davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: VALLEY NATIONAL BANCORP (NY)

After completing all the requirements for the {$400.00} promo below, Valley decided to close my account, presumably to have to not pay out the promo bonus. They say the reason is due to information from XXXX, but they had that information when they allowed me to open my account. I met the terms for the bonus, and I am owed {$400.00}. 

" Valley National Bank is offering a sign up bonus of {$400.00} when you open a new Valley All Access Checking+ and completing the following requirements : Receive two or more qualifying direct deposits with a cumulative total of {$7500.00} or more within 90 days of account opening. ''
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, XXXX, Experian ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, XXXX, Experian ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

Hello, I have a dispute my credit card company refused to resolve, but before I get into it I want to thank you for all you and the CFPB do. You have helped me in a situation once before, and I think your agency is essential for maintaining the balance between consumer protection and good business. On XX/XX/XXXX, I purchased an XXXX screen protector from XXXX  XXXX for {$35.00}. The next day, I attempted to return the item but was refused. XXXX XXXX  claims screen protectors fall under the category of " consumables '', and these products are not eligible for refunds. I was never once told screen protectors are " consumables '' until I chatted with an agent yesterday, nor was I ever told the item was nonreturnable. My argument stands that a lay person would not know a screen protector is a " consumable '' item, as this term generally refers to things you actually consume, like food, etc. ( which Best Buy sells ). So, I took my dispute to the next level and opened a case with my credit card company, American Express, on XX/XX/XXXX. A month goes by ( just long enough for the returns and exchanges window to pass ) and I receive a " resolution '' letter from American Express informing me XXXX  XXXX saw no evidence I attempted to return the item and that they would be reinstating the charge. Obviously, if they refuse a return there would be no " evidence '', as there was no transaction, but they could check their security cameras and see I was in the store and did attempt to return the item. I even have the dated pink sticker they give you when you enter the store with product. There was no attempt made by American Express to gather more evidence from me, like a picture of said sticker, nor was I ever contacted by XXXX XXXX. 

Reading the dispute, American Express and XXXX  XXXX seem to assume the item I attempted to return was damaged. I'm not sure how they could come to this conclusion, especially while maintaining the claim I made no attempt to return. 

The whole incident is disheartening and generally has the feel of big companies trying to take advantage of the consumer. Any help you may provide is welcome. Thank you in advance. 

Regards, XXXX XXXX
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Our home was impacted by Hurricane Irma, we reached out to our mortgage company Roundpoint for assistance, they provided Foebearance on the account where they deferred XXXX, XXXX and XXXX payments and in XXXX there would be a balance due for the the deferred amount including XXXX payment and if you were not able to pay the full amount they can offer further assistance for a modification review. I was not able to cover 4 months of payments so I contacted Roundpoint to advise would like to apply for the modification, I was able to resume monthly payments starting XXXX and have been making regular monthly payments since then, I was advised by Roundpoint that there was nothing needed for the review and my account would not have a negative impact due to the natural disaster. 
Well its XXXX now and there still no decision, Roundpoint has applied late fees and loan level advance fees for property inspections and has reported late to the credit bureau, I have reached out to Roundpoint regarding the matter they said they will adjust the charges and correct the credit report, as of today no adjustments have been made no correction to the credit bureau. 
My credit has been impacted on one of my credit cards with XXXX went from a credit score XXXX to XXXX where they lowered my credit limit on the card. 
When I call Roundpoint all they can advise me nothing needed its still in process Please I need help to get this issue resolved and the corrections that Roundpoint said they would do but have done nothing.
Consumer complaint received 2018-05-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (OH)

On XX/XX/XXXX, my insurance agent sent the invoice for my homeowner 's to my mortgage servicer, AmeriHome. The email was verified with a customer service representative that I called on XX/XX/XXXX. Her name was XXXX. It was not a great call. Due to the non-payment from AmeriHome, I had to start a new application and the premium went up. She stated that AmeriHome would not be paying the difference if it increased. It did increase from {$910.00} to {$950.00} annually. After she refused to escalate to a supervisor twice, she transferred me to the insurance department and provided the number for them. I was only hold for about an hour and suddenly there was a busy tone. I called the number XXXX provided and a recording stated that they were now closed ... Since my home was not insured for this time I felt the urgency to get a hold of someone immediately. I emailed a complaints or compliments email that I found online and made them aware of the situation. I received a response, that they would overnight my payment to the insurance company and that I should be credited. I have yet to see the result of that. It is very concerning as a first time homebuyer that my taxes and insurance be paid on time especially since I am making my mortgage payments on time and even early. This is our first month dealing with them and our first payment was due XX/XX/XXXX and not a very positive way to start a 30 year relationship. I am disappointed non the least and nervous that going forward I will have to constantly check to ensure that my insurance and taxes are paid.
Consumer complaint received 2018-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NH)

My wife and I consolidated our student loans in 2010. They advised us to list my wife, XXXX XXXX, as first on the loan, because her credit score was higher. However, they neglected to tell us that consolidating the loans, with her name first, would prevent us from taking advantage of student loan forgiveness for teachers. I don't make much money, and I am a teacher in a school in a high poverty area. I should be able to get student loans forgiven, but I can not, because the loans are consolidated and my wife 's name is first. I am doing a service to society by working in a poor school for 12 years, and yet I can not get the financial benefit for doing so that I ought to be eligible for.
Consumer complaint received 2018-03-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation (TX)

I had a loan due XX/XX/2018, had told them i would pay when i could. Called my work mutipe times even after told to stop. I was always on the clock when they would call me so i couldnt answer. They thought it'd be best to go ahead & show up to my work place to ask when i was going to make a payment ...
Consumer complaint received 2018-03-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (DC)

Coinbase, a popular virtual currency wallet, is advertising that their wallets are insured by the FDIC. By my understanding, this is factually inaccurate and misleading to potential cryptocurrency investors. 

Link to the page where this is stated XXXX XXXX XXXX XXXXXXXX Quote in question : " If you are a United States resident , your Coinbase USD Wallet is covered by FDIC insurance, up to a maximum of {$250000.00}. ''
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I was reported to XXXX over a year ago for a fraudulent activity that took place on a bank of america account that i never had. Which forcefully caused my XXXX XXXX bank account to close when i made an attempt to open an additional account to manage my money better. I have made several attempts on contacting XXXX but the account i requested to be resolved have been bypassed. I am seeking immediate results.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AZ)

I setup a subscription with a company for car rentals that you pick up on demand. The first day that I setup the subscription with the merchant they began making fraudulent transactions not only on my Chime XXXX but on another debit card of mines as well since I had to place two cards on file in order to begin processing the application. I sent those documents to Chime for part of their investigation, I don't believe the Chime investigators really looked into anything because I submitted a complaint on approximately XX/XX/year> and the very next day XX/XX/year> Chime stated no error was found in their investigation with the merchant.
Consumer complaint received 2018-03-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (GA)

Good morning my name is XXXX XXXX, I'm writing to report three different collections agencies. I ask them to please validate the debt on XX/XX/2018 and I haven't received anything from them. 
And they probably have reported to the credit report agencies. 

1- CMRE Financial Services , XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX 2- XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , OH XXXX 3- XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between XXXX XXXX XXXX and XXXX XXXX XXXX!
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I previously notified XXXX XXXX that they was reporting inaccurate on my credit fie that they maintain under my social. Yet and still they still continue to report this inaccurate information. I have notified them on numerous times that this account did not belong to me and I have been a victim of identity theft concerning this alleged account. Yet they claim that they have verified this information with XXXX. How is this possible and they cant even verify the information with me. After speaking with XXXX they claim that they have sent Experian correct information thru regular communication channels to delete this account from my report yet they are still continue to damage my credit file with this inaccurate information. They have no contract and no proof that this account belongs to me so how in the heck are they reporting it to and claim to have verified it. WHOM DID YOU SPEAK WITH AND WHAT DID THEY SEND YOU BEARING MY SIGNATURE?? This account does NOT BELONG TO ME AND I AM A VICTIM OF IDENTITY THEFT
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To whom it may concern I would like to make this brief. I have contacted Equifax, XXXX, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
Consumer complaint received 2018-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} Equifax : XXXX {$1000.00} XXXX XXXX {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Consumer complaint received 2024-09-19
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NY)

My wife and I inadvertently provided my Target credit card number over the phone on XX/XX/year> to what turned out to be a fraudulent operation. Immediately upon recognizing the problem I hung up and contacted Target. I explained the situation, asked that any order placed on the card be cancelled and that I be issued a new credit card number. I contacted them IMMEDIATELY. Target issued me a new credit card number but did not cancel an order that had been placed for two ( 2 ) gift cards in the amount of {$350.00} each for a total of {$700.00}. Target should have cancelled the order immediately such that even if the gift cards had been sent electronically they would be cancelled and could not be used to purchase goods. Targets failed to act accordingly and in my best interest. 

Target denied my fraud claim for the two ( 2 ) {$350.00} gift cards and Target failed to both cancel the gift cards and any order having to do with such gift cards upon our request. It is incumbent upon Target to act in the customers best interest. Target failed by not enacting the most basic step when an order is identified as fraudulent. As such any damages must be borne by Target for such failure. Target has based their denying my fraud claim on the basis that I " willingly '' provided my credit card number. Ok, I did. But Target failed to cancel such order or cancel use of the cards as they had sufficient time to do so as i contacted them immediately. Targets denial of my fraud claim is one-sided and self serving. Additionally, Targets failure to cancel the gift cards puts the burden of loss upon Target. 

I contacted Target by phone and via letter ( Three times ) without their accepting responsibility.
Consumer complaint received 2024-09-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (MI)

I am a XXXX XXXX XXXX service member. On XX/XX/XXXX I left the United States for the XXXX XXXX. On XX/XX/XXXX in the middle of the night I noticed that someone from XXXX XXXX logged into my account on XXXX  On this XXXX account my American Express credit card was saved. After noticing this unusual activity I quickly reached out to XXXX to change my password. During this time the fraudster started making ticket purchases and began trying to transfer these tickets to themselves. I noticed this a froze my American Express card and reported the fraud to American Express. Over the next few days I worked with XXXX, who refused to assist me and asked that any claim be processed with the credit card company. American Express refunded my account but said that a full review could reverse that decision. Now yesterday, American Express emailed me claiming that the fraudulent charges are rejected by the merchant and they will now debit me for the full amount. I asked for the merchants proof, and provided them a copy of my military orders to the XXXX XXXX, emails showing that someone logged into my account fraudulently, as well as the proof that multiple further purchases were attempted against my card while my card was frozen.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I had a loan with XXXX ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that XXXX reported that I missed 30 payments. The truth is I never missed a payment. XXXX is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after XXXX/XXXX   took no accountability for their actions I consolidated my loans with another company. I no longer do business with XXXX because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with XXXX XXXX   customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) XXXX does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation (TX)

I'm asking for Debt Validation... According to 15 USC 1692g requires debt collectors to follow CERTAIN procedures when validating debts : XXXX : WORLD ACCEPTANCE CORP XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 1. I want a detailed list of payments made by me on these accounts. 2. I want to see a signature that I put on a contract guaranteeing that I would pay this creditor. 3. I'm asking to see if there has been any insurance CLAIMS found on these debts. 4. I want proof that you have the chain of title to collect on these debts. Also, According to 15 USC 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice Requirements A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this title. You ; have violated all ABOVE laws.