davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-08
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

My father purchased XXXX savings accounts for me and my siblings in XXXX and XXXX. He passed away in XXXX and had given the savings certify ficates to my sister to hold for him. 
My sister whom forgot about them, did n't disclose that we had them until this year. 
Their have been XXXX bank mergers since the original opening. 
I have contacted the current bank which is Fifth Third Bank in XXXX, Ohio Ohio. This bank has branches in XXXX, FL where I first began my search. The Original bank was called XXXX XXXX, with branches in XXXX, MI and in XXXX, XXXX XXXX etc when they were first opened. This bank was later merged with the XXXX XXXX XXXX. 
I believe in XXXX XXXX XXXX was merged into another bank named Fifth Third. 
My sister and I whom is a senior citizen also, went into the XXXX XXXX, MI branch to cash them. They said that they would check it out with their main office, as they had no record of our CD 's. 
I then contacted the main branch located in XXXX, Ohio and spoke to a spokes person there for several weeks. I sent into then a death certificate of my father and copies of the CD 's. 
The answer from them was a dead end. They accused me or a family member of cashing them in, which never happened. 
My attempts have been endless either online and going into Fifth Third Branches in XXXX, FL where I now live. 
My sister is XXXX years older than myself and has XXXX. 
I do n't know what do at this stage after endless attempts to cash them. 
The bank has stated to me that the CD 's are worthless, and to rip them up. This a ridiculous statement to make to a citizen of the USA, and to be allowed to get away with this. 
My brother, has XXXX who I 've tried to include in my inquires. 
Hopefully, your department will be able to research my CD 's and retain funds after 33 years of opening them from my father. 
Hopefully, here I will be able to fill out the correct directives required by your department.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have numerous inquiries on my credit report with XXXX that I have continuously disputed. I did not apply for credit with these companies and would like the inquiries removed. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX,
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AK)

I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Bank of America says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because bank of americas customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.
Consumer complaint received 2024-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I rented a car from SpiritXXXX XXXX I was sent to XXXX and selected a car for {$1500.00}. I reviewed XXXX XXXX  cancelation policy-cancel anytime for {$50.00}. My plans later changed and I called XXXX and canceled. XXXX now refuses to refund the $ XXXX {$50.00}. It is unfair and possibly illegal to keep my money while providing nothing. Bank of America is complicit and the charge with interest now has reached over {$1900.00}. I am an XXXX XXXX XXXX XXXX vet and losing a large sum of money hurts. My complaint is that it is a scam to keep money from someone while providing nothing. Bank of America should not agree to collect this.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (DE)

Freedom mortgage over charged me {$820.00} for my escrow account. I am retired and this has a significant impact on my budget. I learned that they over charged me when I got a refund check in XXXX. I questioned this and got a response with a lot of inaccurate information. I sent them a response to their letter on XXXX XXXX and have not gotten a response to date ( XXXX/XXXX/16 ). I left XXXX messages for XXXX XXXX XXXX and have not gotten a return call. Finally on ( XXXX/XXXX/16 ) I spoke someone on the escalation team and I told them that I expected a response to my letter.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

My complaint is against Chase Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. I contracted XXXX XXXX to begin the process of filing bankruptcy. They indicated to me that I needed to pay them a certain amount before they could initiate a federal filing on my behalf. According to my Chase Bank records they made {$800.00} in fraudulent withdrawals from my Chase Bank checking account. I believe that this company never had any intention on honoring an agreement to file bankruptcy on my behalf. Once I realized the company 's credibility was questionable I asked the Chase Bank to issue stop payment on XXXX. Additionally, I emailed the company to request that my account be closed in XXXX, 2016. Once, I made this request, I was unable to get through via phone to XXXX XXXX. They routed calls to a voicemail that noone ever answered. I continued to try to communicate with them via e-mail to no avail. I am requesting a refund of the funds that I believe were fraudulently deducted from my bank account. XXXX XXXX now claims to have gone out of business as of XXXX XXXX, 2016.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MD)

I am writing to complain about the practices of PNC Bank relating to a mortgage loan and the ability to resolve a deficiency. Due to the financial crash of 2008, my home value has suffered a loss of approximately {$300000.00}. I have been trying to sell the house for five years with no offers that meet the amount owed. I requested a modification and after the modification was approved the monthly payments were actually higher than the original mortgage. I maintained the payments through the trial period after which time PNC stated we could sell the house through short sale if necessary. We found a buyer, however PNC wanted more than was owed and declined the offer. The loan went into deficiency again and we eventually found another buyer who made an offer and PNC was informed of the offer and began the process for short sale. While in the process of short sale PNC submitted the loan for modification status without our request, knowledge or approval ( it was the same as the current payment with no modification ) and removed it from short sale status, resulting in a delay of the short sale approval process and then turned around and put it into the foreclosure process
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ORG GC GP BUYER, LLC (NY)

Client called XXXX after closing account and switching to another carrier to see if she owed after paying her last received bill. She was told that if she did owe anything, they would send a bill. She never received any bill or notification of amount owed. She later reviewed her credit report and found that she had a collection account from XXXX for {$240.00}. When she called XXXX to resolve this issue, they refused to acknowledge that the error was on their part, that the client had attempted to confirm any remaining balance owed ( which XXXX did not confirm ), and that the client had never received a bill for the amount.
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (FL)

Canceled service due to unsatisfactory internet issues. The ISP promised higher internet speeds however due to having a " customer '' owned modem they could not guarantee such speeds. ( XXXX ). Upon contact with phone agent I was informed that mg account would be settled and nothing would be due granted I return the dvr and XXXX other boxes to seperate tvs in. To my suprise I receive a letter from Credit Protection Association advising of a past due balance required to avoid credit reporting.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX XXXX XXXX I called XXXX XXXX XXXX to request a credit card line increase. I was very specific and asked multiple times how the process works and if that would be a hard inquiry on my credit if I would request a line increase. The phone banker assured me several times that it would n't be a hard pull on my credit. A couple of minutes later I received an alert that XXXX XXXX XXXX pulled my credit. After reviewing my inquires from XXXX XXXX XXXX on my credit report I recognized another hard inquiry from XXXX XXXX XXXX. This inquiry was a result from my first line increase request. Both hard inquiries were done without my consent. I requested that both inquires are going to be removed. The phone bank Manager ( Name : XXXX XXXX ) did n't really take my issue serious he said that I will be receiving a call back by XXXX XXXX with the resolution. I am very disappointed with XXXX and at this point I can not trust in XXXX anymore that they will take serious action in removing those inquires.
Consumer complaint received 2016-11-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (OK)

I have previously requested that synchrony bank only contact me vial mail and or email. I requested that they make no phone calls to my cell phone number under no circumstance. I contact synchrony bank regard our credit card balance that is one payment past due and advised them we are gathering all information and will be receiving a consolidation loan. 3-5 days later I then received a phone call to my cell phone twice in one day ( after I previously requested no calls to my cell phone at all ) which I believe falls in a UDAP/FDCPA violation.
Consumer complaint received 2016-11-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (CA)

I have repeatedly requested that Cavalry Portfolio Services provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-11-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX XXXX is reporting false information on my credit report and I filed a dispute with Transunion and they claim it was verified. This is totally untrue I contacted customer service for transunion and they told me to contact this company and I have done so. FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. 

They are also stating the date they supposedley bought the alleged debt as the date the account was created. But according to their own records it was bought from another creditor, so the date they aquired it can not be the date the account started. I filed a dispute with XXXX as well and in that report they said the original date of deliquency is XX/XX/2010. I have attatched my credit report with XXXX after their investigation. And if both accounts came back as verified with different information, how can they possibly BOTH be accurate? 

XXXX XXXX is not my creditor.Equivalently, to be excluded as a debt collector, the debt would have to not have been in default when acquired. FDCPA 803 ( 6 ) ( F ) ( iii ). 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor. FDCPA 803 ( 4 ). 

Not being a creditor, I have no credit account with XXXX. I do not receive monthly billing statements with due dates upon which to report a delinquency in payment.This reporting my account as " Past Due '' " over 120 days late '' and showing a Monthly Delinquency after the date XXXX purchased the debt from is clearly improper. 

If I do have a contract with XXXX XXXX, please produce the contract used to verify this account because I have none with them and the information you have is inaccurate. And also please provide the sworn affidavit used to verify and the accompanying documentation as required pursuant to XXXX XXXX XXXX which defines what " verification '' actually is. 


The term " verification '' is defined in XXXX XXXX XXXX XXXX Edition : " Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. 
Affidavit of truth of matter states an object of verification is to assure good faith in averments or statements of party. '' The term " verify '' is defined in XXXX XXXX XXXX XXXX Edition : " To confirm or substantiate by oath or affidavit.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (TX)

I had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.
Consumer complaint received 2016-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

Navient stopped sending statements with balances on them, and I could not find one with a balance on the website ... the website showed that my loan was paid off, but I did not believe this to be correct, I had emailed and didnt receive a response so I called and spoke with their representative XXXX on XX/XX/2016 at XXXX and was told the loan was paid off but they could not provide me with any details and said I would get a letter and refund for overpayment in 30-45 days..I then received an email from Navient saying I spoke with someone so I was all set, I had to go to another website to access this email, this website allowed me to access a statement with a balance of {$33.00}. I emailed again that evening to find out what my payoff was and why I was given the wrong information, and have not received a response, this was after they put my loan into deferment without my authorization, and then reduced my payments when I asked to have my loan restored to my previous terms.
Consumer complaint received 2016-04-20
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Santander Consumer USA Holdings Inc. (MS)

Santander, Contacted me at work where I am not supposed to receive those kinds of calls and asked me about a vehicle that I have never owned in my life claiming that they were unaware that my name was not unique in the state. I finally got the person to understand that it was not my vehicle but the phone calls caused me severe stress and embarrassment.
Consumer complaint received 2016-11-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company " XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to " fraudulent activity '' I have been fighting this matter with " XXXX '' & " XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your time!!
Consumer complaint received 2016-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAINE & WEINER COMPANY, INC. (PA)

For more than a month I have been receiving automated dunning calls from XXXX. The caller purports to be calling from Caine & Weiner, a California collection agency. The calls are directed to my cell phone. The call is directed to XXXX XXXX and asks for a call back to XXXX extn. XXXX. No caller name was provided. The latest of these calls occurred at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and today at XXXX XXXX XXXX, all XXXX. The debt is not mine. I do not know a XXXX XXXX. On XXXX XXXX I sent an email to XXXX, president and CEO of the firm, directing him to stop these harassing calls but they still persist. The email went unanswered.
Consumer complaint received 2016-11-08
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Midwest Recovery Systems (FL)

Received alert today of a negative item was posted to my credit report. Contacted Midwest Recovery Systems to find out what this item was. I talked to XXXX XXXX, who was rude, distrepecrltful and very unprofessional who told me the creditor was XXXX whom I had a payday loan with in XXXX 2012. I have never heard of nor did any business with company. Told him I never received anything in the mail regarding this collection. He said no they did n't send anything in the mail and they did n't have to because this was there 1st contact and this was all that was needed. I said no it was n't and by law I have 30 days to respond and I was n't given that time to respond, so please remove this item immediately from my credit report. He said they were not going to remove anything until this account was paid in full and hung up on me..