davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

What happened simplified, Subjects : Bank of America XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, My husband and hisdeceased mother ( the victim of Identity Theft ) according to Federal Trade a commission ). 
XX/XX/XXXX my mother in law passed away from that date up until beginning XX/XX/XXXX mymother in law had been receiving regular Social Security Benefit checks directly deposited into heraccount I believe the last XXXX numbers of her account XXXX. my husband and myself also have bankaccounts in Bank of America XXXX My husband confessed to me that he was fearful of the prospect of the FBIfinding out about it, my husband was indited and convicted of defrauding the government of federalfunds among other charges and was sentenced to 3 years in federal prison and without my permissionhe went ahead and took transferred money out of our marital joint account to cover the loss of thestolen Social Security benefits through her unauthorized ATM card. I believe that total was about XXXXdollars. My husband and I are going through a divorce and that money was part of my equalization ofassets a little over XXXX. 
I had alerted first the Federal Trade Commission, got a reference number got all the requirementsrequested a police report number, the detective called me to say basically it 's a waste of time that Iwould have to know all the ATM 's he withdrew those funds from his mothers account. I would need asubpoena to open my mother in laws accounts even though I had a POA. I tgan than called the office ofinspector general sent in my complaint and was time stamped and signed. I called couple days ago andshe sounded pretty confident in referring me to Consumer Financial Protection Bureau and in hoped totry and recover those funds from my bank account. 
Thank you for you time.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and unauthorized inquiries associated with my credit file. As a victim of a data breach, I have identified the following entries on my credit report that I did not authorize. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request these entries be removed from my credit profile. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} Unauthorized Inquiries : XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2015-11-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Brokers Inc. (TX)

I have contacted this company in writing twice as well as through the XXXX demanding debt verification from the collection agency. They did not respond within 30 days stating they needed more time to verify the debt as required by the Texas XXXX. They sent only a bill via usps, not the complete debt verification as requird through the Texas XXXX. Account brokers has consistently violated the Texas XXXX XXXX, as well as ignored my demands XXXX. 

I dispute the validity of this entire debt. I request validation of this debt per Texas XXXX XXXX. I have disputed this debt with the credit reporting agencies and you continue to validate it without providing the information I have requested. Please note XXXX are bonded in the state of Texas and are required to comply with Texas XXXX XXXX if you fail to meet code requirements. 
Delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. XXXX ( d ) ( XXXX ) For the purpose of validation provide me with : The name and address of the original creditorThe original date of default or non-payment of the debt with original creditorThe date the debt was transferred from the original creditor to the third party debt collectorThe original balanceThe current balanceAny fees added by your agency. Sec. XXXX ( a ) ( XXXX ) Texas Surety bond information as required by Sec. XXXX am invoking Texas XXXX XXXX XXXX CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. 
I request immediate notification by mail if this alleged debt is sold or transferred per Sec. XXXX ( a ) ( XXXX ) Please reply with your response vis XXXX MAIL. 
Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. XXXX. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Seattle Service Bureau, Inc (CA)

I am a victim of identity theft I have notified the Credit bureaus about this account being fraudulent I also sent a letter to National Service Bureau Inc to the address that the credit bureau had for them. They never noticed me about this fraudulent debt and just put it on my credit report. when i wrote them a letter it came back to me because the address they provided to the credit bureaus is wrong. They are knowingly and willingly reporting fraudulent information and have caused my credit score to drop.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS is violating California State Law and Federal Law in the handling of my short sale for my property. 

Complaint # 1 - Denied Access to Relationship Manager. 
1. ) When I call SPS I have been repeatedly denied the ability to speak with my assigned relationship manager XXXX XXXX at XXXX. When I request to be transferred to her by the automated system I am sent to the Customer Service department. When I request the Customer Service representative to speak with XXXX XXXX I am told that she is not available. When I ask to leave her a message I am informed she does n't have voicemail and there is no way to reach her other than for the Customer Service representative to send her a task. Most Recently XXXX XXXX at XXXX denied me access to my Assigned Relationship Manager. 

Complaint # 2 - Violation of HAFA short sale timelines and intentional delays to defeat my rights to short sale my property. 
1. ) On XXXX XXXX I called for an update and was told that the short sale was on hold pending documentation clarifying the names between the listing agreement and the settlement statement. 
2. ) On XXXX XXXX I emailed the documentation to SPS which included an updated Settlement Statement, a copy of the Trust Documents clarifying the trustees and the grant deed showing the transfer from our personal names to our trust. 
3. ) On XXXX XXXX I called to make sure the documents were received and was told they had been received but not processed. 
4. ) At the end of the week of XXXX XXXX I called again and was told the Settlement Statement was reviewed but the other documents were not reviewed. 
5. ) On XXXX XXXX I called and was told that all documents had been reviewed and the file was complete and being reviewed by underwriting. 
6. ) On XXXX XXXX I called and was told that the short sale was denied on XXXX XXXX since the buyer had been changed and a new file would need to be created. The new buyer contract had been sent more than a month ago yet on none of the calls that I had placed in XXXX did anyone from SPS mention that I would need to create a new file. 
7. ) On XXXX XXXX I called SPS again and opened a new short sale file by speaking with XXXX XXXX. He also said that XXXX XXXX is going to call me back within XXXX hours. 

At this point after more than a month of SPS delays I am about to loose my XXXX buyer on this property. My XXXX buyer walked away after waiting 45 days for short sale approval.
Consumer complaint received 2015-11-05
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (IL)

I signed up with the XXXX law Group in XX/XX/XXXX 2012. I was promised that they would have me debt free in 42 months. Although they did settle a bunch of my accounts, they did not settle everything, and I was forced to open a Global Client Solutions account and allow them to make monthly withdrawals. When I looked at my balances, it was obvious that I was paying way more in fees to GCS and XXXX than to my creditors. I paid in a total of {$25000.00} and about {$12000.00} was retained by GCS XXXX as fees. I think this is illegal. When I complained to GCS about the fees they insisted that XXXX was taking the fees, not them. I am not getting a straight answer out of anyone. They were supposed to only take 15 % of the money they saved me, but they took almost 50 % of the monies I paid in. 

I am unable to upload my supporting documentation but if you will email me a direct email address I will forward the correspondence to you. They made all kinds of bogus claims that I added new accounts, etc., which I never did. Also GCS is denying any responsibility for the fees charged and pitched me back XXXX.
Consumer complaint received 2015-11-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My spouse filed for chapter XXXX approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter XXXX was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter XXXX where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter XXXX was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. 
I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for a lower interest rate. 
My spouse has been working for the same company for fifteen years. Now. She barely makes above {$30000.00}. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a XXXX. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a XXXX veteran and she 's coming up on a major decision as to remain at {$30000.00} and continue with the wear and tear of her position, or quit and find something for possibly {$7.00} per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.
Consumer complaint received 2015-11-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

On XXXX my account at US Bank was XXXX and some change. On Tuesday XXXX 2015 I was charged an extended overdraft fee of XXXX because my account was negative XXXX and some cents. So on that same day I deposited XXXX. To cover the overdraft fee because customer service stated they could not wave the fee. Today I now have another extended over draft fee XXXX/XXXX/15 with no explanation. Not to mention that I am enrolled in overdraft protection and have not made any transactions since XXXX This is insane!!!!
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

I applied for a Chase XXXX credit card account and was approved. I added XXXX additional authorized users and we received our cards in the mail in a timely manner. Upon receiving the cards we began to use them to pay bills. After about 5 days after we started using them the card charges were no longer authorized. When we inquired as to why, they said they had suspected some fraudulent activity on the account and would get back to us after the investigation. Being concerned that someone had gotten our card numbers, I call Chase and asked them to close the account and open a new XXXX for us and send us new cards. We did not hear back from Chase for about 10 days so we call them. After many calls we were finally directed to XXXX XXXX in Fraud operations. He said they were investigating the account for fraudulent activity. I asked him what kind of fraudulent activity and he said is was a report from an independent agency that Chase used to monitor credit card use. I explained that all of the charges on our account were ours and that there was no fraudulent activity from our end. I confirmed my address and SSN for him and he said he would get back to me. After waiting 5 more days, I called him. He did not answer and I left a message. I made XXXX more calls to XXXX XXXX and left a message each time. He never called back. XX/XX/XXXX I got a letter from XXXX XXXX saying that they were investigating possible fraudulent activity on my account and to please call him at my earliest convenience. I called him on and got a recorded message. I left him a message. I did not hear back the next day so I called and left another message. I did not get a call back from XXXX XXXX so I called Chase and asked to speak to his supervisor. After being on the line for 28 minutes I was given the number XXXX and was told that she was waiting for my call. I called her and left a message. I doubt I will hear back from her.
Consumer complaint received 2015-11-05
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MO)

On XX/XX/XXXX 2015 I made an online purchase using my American Express Serve Card. On XX/XX/XXXX,2015 I contacted the merchant explaining I did not receive all of the items and the items I did receive where melted. The merchant stated they would send my return labels to return the merchandise. I never heard from the merchant or received the return labels. I then contact American Express Serve to dispute the charges on my card. I emailed documents and a statement explaining what happened. I called to check the status and was told I would have to wait until XX/XX/XXXX 2015 to receive a provisional credit. I asked to speak to someone and they placed me on hold for over an hour to talk to a supervisor. Once the supervisor got on the phone she told me it was nothing she could do and I would have to wait until I get an email from the dispute department. I asked if I could speak with the dispute department and she stated no, they only communicate internally by email. I informed the supervisor this was unfair.
Consumer complaint received 2015-11-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I lost my husband and I have been devastated the past year, barely able to function. I was told that I could not do anything with this home until the probate went through and approved by the court. Finally at the end of last week it was approved and it was given to you immediately. You have postponed the sale for 30 days to allow the probate to go through and as of yesterday I was told that SPS will not give me 45 days to close this home and to pay them off in full. That they are blaming me for not contacting them in the past year. 
I have mentally and emotionally being struggling XXXX trying to stay strong for my daughter. I did not understand how this can work and I had a hard time dealing with it. By SPS by foreclosing will be handing over close to {$100000.00} in equity to an investor, this seems like a total mean spirited action. This money can be used to help our raise our daughter, her education and many other things that will be needed. I feel that you have an alternative motive of someone else profiting on this situation. I do n't know what else to believe.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Experian Information Solutions Inc. (VA)

When I finally locate the on-line credit dispute electronic form it will not honor the completed electronic dispute log-in page. This is a clearly intentional!! The CFPB should interrupt this website and advise customers to go directly to the paper process as the website is not functional & gt ; But you already know this!! if some consumers are successful then it is a lottery thing. 
What are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propaganda what are you doing about the credit agencies deliberate switch and bait marketing scheme whereby they clutter their website with much marketing/sales propagandahave several try and confirm what I believe is be the case = independent evaluationXXXX XXXX cell XXXX XXXXXXXXXXXX
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (MO)

In XXXX 2015, I received a bill in the mail from Macy 's for XXXX charges that I did not make on XXXX/XXXX/15. Immediately upon receiving the bill, I contacted Macy 's and informed them. They stated that they need to conduct a fraud case and that they will send a letter to me in the mail to document in writing what I told them. I repeatedly called Macy 's every week, as I did not receive this letter in the mail until XXXX. While waiting for this letter to arrive, I received XXXX calls on a daily basis from another agency ( not Macy 's ) asking for me to pay this Macy 's debt, upon which I would tell them that the bill was fraudulent and currently being investigated. Other times upon answering these phone calls, the person on the other end would hang up the phone. I felt harassed and not respected every time I received these calls. I asked Macy 's to stop trying to collect on this bill that I did n't make. They continue to send me statements in the mail and to not process this letter that I returned the very next day upon receipt 3 months after notifying them about the fraud. I have never heard of this process taking this long for wrongful charges and have been extremely stressed about their process. I always pay my bills on time and tried to take immediate action, but they have an ineffective process and is one of the most stressful things I have encountered.
Consumer complaint received 2015-11-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland Funding LLC has been trying to collect a debt they say I owe from another company they bought the debt from. Problem is that I do not know the company and have told them I do not owe this debt. They would call my house about XXXX times a day, and kept harassing me about this debt. when I asked for proof that of the original amount, they kept insisting they sent this to me, which I never received. My husbands Aunt has the same first and last name as I do, and is in the process of filing Bankrupt. I do not owe this company and now they are trying to take a legal judgment against me. Sick of harassing calls from a company, I owe nothing too. Sick of this company trying to sue me for money I do not owe. If they purchased this debt why would n't they make sure they have the right person.
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (FL)

I attempted to use my American Express card on XX/XX/XXXX. The attempted charge was declined by AMEX. I called AMEX to check the status of the card. AMEX stated the account was closed because AMEX received a letter stating the account was created fraudulently and the card holder wanted the account closed. Without notice, explanation or permission, AMEX closed my account. 

The account is in good standing and payments are made timely. I have had the account since XX/XX/XXXX. 

I did not ( nor did anyone I know ) send a letter to AMEX telling them to close the account. AMEX is aware of my concerns and suggested that I file a police report. 

I suspect that the letter ( which AMEX would not release ) contained enough sensitive information for AMEX to act and close the account. Which means the party that filed the letter probably has my DOB, SSN, address, account numbers and other sensitive information.