davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: DISCOVER BANK (TX)

I had an online savings account with Discover Bank and logged on XXXX time in XXXX, 2015 and could not access my accounts. No one could tell me what was going on with my account. I finally had to try to call the CEOS office and got someone to tell me my account was frozen. To this day I do not know what the reason was for my account being frozen and never received any letter explaining what went on with my account. When Discover Bank froze my account, they prevented my bill payments from getting paid. Thus resulted in all kind of fees and even my credit cards being cancelled because so many payment had been bounced by Discover.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (GA)

We have filled a complaint in regard of a check that we sent to Shellpoint Mortgage servicing that has cashed by Shellpoint and did n't posted to our account. After the complaint, they resolved the problem as well as brought back the overcharging for the escrow funds. 
When we received the reply correspondence, we wrote Shellpoint back for more clarification about three ( 3 ) months mortgage due the letter has stated. While we were waiting for the final dispute or the clarification answer the case has closed. As we receive the correspondence last week on XX/XX/2016 there are XXXX fees that we needed to dispute. Therefore, we have to submit this new complaint. 
1-Shellpoint has charged us {$220.00} late fees. While, they are one who made the mistake or intentionally not posted the funds to our account to generate late fees. We requested that the {$220.00} late fees should wave in our account. 
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime, as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue, we are going to make a payment arrangement.
Consumer complaint received 2016-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

On XX/XX/XXXX I opened up my bill from OCWEN to send it off for payment and was shocked to find out that my bill was XXXX more a month. My reaction was pure shock then I pick up my phone and called, was disconnected the first time, seeing I have had several run ins with this company over the course of my loan which has been 11 years XX/XX/XXXX. So over the 11 years I have has several mistakes on their part, like them stop sending me my bill because I filed bankruptcy in XX/XX/XXXX, which took me two years to fix and the gentlemen at that time even admitted they made the mistake. Most of the time when I call OCWEN it is always over seas so I arrived at a point to where I request to speak with someone in the United States I have a hard time trying to understand several of the operators that do not speak clear English at all. After being disconnected I called back at which time I was on hold for 15 minutes during the transfer, after that I spoke with a woman by the name of XXXX ( spelling could be wrong ) # XXXX you see they all have numbers and they should give them to you once they pick up, but they talk so fast I make them repeat it and their names. With the help of XXXX she sent me a file I did not receive and she talked about an ESCROW Evaluation which was done XX/XX/XXXX also on my bill it states ( your monthly has changed to XXXX effective XXXX/XXXX/XXXX further detail regarding the reason for this change will be included in a separate letter ) it never came. The worker # XXXX told me that this company paid school taxes in XX/XX/XXXX to XXXX XXXX XXXX XXXX well I do n't live in XXXX XXXX and my daughter has been going to XXXX XXXX since kindergarten and she is XXXX XX/XX/XXXX. From what they lady told me and from what they County Clerks office said is that this loan company paid taxes to the wrong school district and now they want me to pay for their mistake. I have documentation to prove my case and once I am done here will submit this complaint I will be sending a certified letter stating my next steps if this issue is not resolved and my loan is not back to where it needs to be. I will not pay for what these stupid loan company has done by making me pay for it. I have been dealing with them far to long and hopping in the next few months to do away with them. You see they have changed their names 4 times and when I filed Bankruptcy XX/XX/XXXX they continue to threw it in my face and it is on every bill they send me, you will see from the current bill I have placed in my attachment. 
I need some help with this again they are forcing me to pay for something I did not do, that it is their fault, I do n't run the ESCROW, I depend on the company to do that for me and it looks like they do n't know how to read, talk clearly, or organize my payments. I need for this company to fix their mistake and stop taking it out on me. I have sent a letter stating this and still nothing is done. Please Help Me!! 
Sincerely your XXXX XXXX
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (MD)

I reported a charge to my account that I did n't recognize. I reported this to M & T Bank. I received a provisional credit and a case number. Then I received a form asking for more information which I filled out and returned. I did n't hear anything for a while and then the credit was removed from my account and a couple days later I received a letter saying that the case was closed. I called to find out why, and spent over 20 minutes on the phone. I was told that the card was swiped and there was nothing I could do about it. I emailed from my account page and was told that the investigators never received the letter requesting more details. Eventually I was told to go in to a branch and fill out a form. I did so. Again I inquired about the status because it seemed to take a very long time, and I was told that the second letter was received, but the bank did nothing with it because they had already previously closed the case. So I asked for the case to be reopened, and was told that there was no evidence suggesting fraudulent activity so my claim is denied. This has taken 3 months and wasted a lot of my time and I do n't believe M & T has done anything to investigate this. The transaction took place when I was at work and I could not have been at the XXXX subway spending {$68.00}. Furthermore, I 've only ever been on the XXXX subway once and that was XX/XX/2015.
Consumer complaint received 2016-03-14
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I bought XXXX {$500.00} gift cards at XXXX, XXXX, CA on XXXX XXXX, 2016 for my friend as wedding gift. But when I open it I noticed that the cards looked weird. so I tried to use XXXX of them at gas station. It was not reading. Then I tried all three of them at XXXX for test, it turned out none of them working. I called customer service right away, the rep asked me to make a copy and fax to them. I do not feel comfortable, so yesterday, XXXX XXXX, 2016, when I checked balances, all of them are less than {$1.00}. All my XXXX cards are hacked. I lost {$1500.00}. when I XXXX USbank gift card hacked, I was shocked that tons of people reported. I am confident that either US bank are selling fake gift cards at XXXX 's ( I XXXX I am not the only XXXX, there are tons of victims ) or the employee in US banks selling informations to hackers. I want all my money back including fees ( {$1500.00} ).
Consumer complaint received 2016-03-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I have owned my land line phone number since XXXX 2015. In that time from XXXX 2015 to the present time, I receive up to six calls from Portfolio Recovery Service every week and sometimes four calls in one day. I block the number on my telephone but they have so many different numbers they call from, it is not possible to keep all the blocked numbers in my phone. I absolutely have no debt owing, and have never been delinquent in terms of financial monies owing. The first few times when I did answer the call, they were very aggressive and would not even provide their personal details, except to tell me I owe them something. 

Following is a small list of some of the phone numbers they are calling from : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Please help me stop these harassing calls.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I held an account at Bank of America that had no fees. I only use this account to auto-pay my mortgage and a couple of other Bill Pays. I was notified late in the year last year that my account was negative. I immediately got online to see what was going on to find out that my debit card had been compromised. I am to this day not sure how that happened considering the debit card was in my safe at my home & had not been used in over 3 years. Never the less after reviewing my account I realized they had charged me a {$25.00} " account maintenance '' fee. After investigating further I went into a branch to close my account. They told me ( even though I was the ONLY customer in the branch ) it would be in excess of 1 1/2 hours before they could help me & that I could call in to close it. So, I withdrew all of my money and proceeded to call from the parking lot. The phone agent at Bank of America told me that I had entered a branch XX/XX/XXXX and switched my account to a kind that charged a fee. I demanded to know which branch as I had not been in a Bank of America Branch in over 4 years! After putting me on hold for 10 minutes she advised she could not tell me and that the switch looked strange to her. I advised her I had not been in a branch since XX/XX/XXXX and that I have NEVER received any notification via mail or email stating my account was changing. Since this was an account that I only use for XXXX-XXXX transactions a month I never reviewed my online statements which is why I did not demand a refund. I did, however, advise that I would be filing a complaint so that they could not do this to anyone else.
Consumer complaint received 2024-08-29
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. (TX)

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation. 

I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections accounts listed below due to identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries listed below : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Address never lived no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To : TransUnion Consumer XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Place a Security Freeze and Suppress Sharing of Information Dear TransUnion Consumer XXXX, XXXX, I am writing to initiate a request under the Fair Credit Reporting Act ( FCRA ) Section 605A [ 15 U.S.C. 1681c-1 ] to place a security freeze on my credit profile and to suppress the sharing of any information related to my identity. I do not consent to, nor do I authorize, the sharing of my personal or credit information with any third parties, including data aggregators seeking to collect information about me. 

I further request the removal of my credit file and associated personal information from your data institution. Below are my detailed requests : 1. Provide My Full Consumer File Disclosure : Please provide a complete overview of my consumer file, including the set of documents, procedures, and any credit information associated with my name, addresses, or other identifiers listed in this letter. 

2

. Place a Security Freeze : Immediately place a security freeze on my credit profile and suppress the sharing of any of my information with other parties unless expressly authorized by me in writing. 3. Confirm Completion of My Requests : Once the security freeze is completed, kindly confirm in writing within five ( 5 ) business days. This confirmation should include the details of the security freeze and the necessary information to verify the suppression of my credit profile and data. 

Personal Information : Full Name : XXXX XXXX Social Security Number : XXXX XXXX Addresses : Current Address : - XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Thank you for your prompt attention to this matter. Please confirm the completion of these requests in writing and address all correspondence to my current address provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-03-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stuart-Lippman and Associates, Inc (IN)

I was contacted by a Debt Collection Company on a debt against me and my company. I asked several times for them to send me proof of Debt, Itemized debt ... I was then submitted a letter saying if I refused to comply within 48 hrs I would be subject of an investigation of my personal bank accounts and property. After speaking with this very rude individual by phone and email. I stated that I would need any further documents by mail only. He continued to email me several times and call my work phone throughout the day. I informed him that I was familiar with FDCA and he would need to contact me by mail, with proof of debt. he continued the harassing by phone and email.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ORG GC GP BUYER, LLC (GA)

My neighbor received a call from XXXX XXXX asking for me and left her number for a return call. I have no idea how this person got my neighbors phone number, we have never listed this number on any documentation. I called and spoke to XXXX XXXX and she said she was with GC Services and was calling for an Illinois debt. I am not sure what this is in reference to but I want action to be taken against XXXX XXXX and GC Services.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: HireRight Solutions, Inc. (NH)

My previous employer, XXXX XXXX XXXX reported XXXX XXXX XXXX driving records on me, both were incorrect. I filed a claim ( s ) with the reporting agency, Hireright disputing the accuracy and true facts as I know them to be. Hireright just sent me XXXX letter 's stating the report will stay the same, coming from XXXX XXXX. Hireright has said I can submit a rebuttle of up to XXXX words, but the record will stay on my file. How can the record stay on my file when the record XXXX XXXX reported is absolutely wrong? When I submitted to Hireright for an investigation of the record, I asked then to listen to the recorded conversation of my explanation of each incident and the is all the evidence needed to prove I 'am correct and that XXXX recorded be corrected.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NC)

Upon reviewing my credit report I noticed XXXX addresses that I am not familiar with nor ever resided. Also my employment history has not been updated for several years. I have been gainfully employed with XXXX XXXX XXXX. XXXX since XXXX of 2008.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Transaction issue — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Bank of America was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to " Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process.
Consumer complaint received 2016-02-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: WELLS FARGO & COMPANY (MO)

Inability to regain control of my student loan account after financial hardship because late fees are outrageous and unable to gain a forbearance unless you are paid to current ;. Can not be current on the lawn without the forbearance due to not making enough money to make the extremely high payment amount. 

I can not choose all XXXX repayment options listed below, however, all XXXX options apply.
Consumer complaint received 2016-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$180.00} - XXXX XXXX Open Date XXXX XX/XX/2015 XXXX improperly listed the XXXX account on my credit report. XXXX XXXX bought a disputed debt ( between myself to XXXX and their agents in the past ) they never sent me notification of the purchase nor their intentions to place the debt on my credit bureau. They listed the debt as open XXXX XXXX 2015 which is incorrect - as the re-aged the debt through fraud. I never admitted any obligation on the bill, and consistently disputed it through every collection agency that attempted to contact me. I am part of a class action lawsuit against XXXX for illegal collection practices : ( XXXX v. XXXX XXXX ( XXXX ) XXXX, Case No. XXXX U.S. District Court for the XXXX District of XXXX ) Again, XXXX never contacted me on my disputed debt. XXXX illegally re-aged the debt on my credit report with a XXXX XXXX 2015 open date. And they purchased a debt I disputed several times ( both via phone and in writing ).
Consumer complaint received 2016-03-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (MO)

My XXXX XXXX has not fulfilled their portion of responsibilities agreed upon in the contract. When my daughter 's XXXX was damaged, I notified them right away amd for four ( 4 ) months I continuously contacted them to see when her new XXXX would be delivered and when I could have it replaced. I do have documentation of any and all attempts of communication to recrify the situation as well as the lack thereof. They made absolutely no effort to order the XXXX in a timely fashion let alone maintain open communication regarding her replacement XXXX that has stil yet to be received. The only time this " business '' attempted to contact me was when I stopped payment on an XXXX and services I was no longer receiving due to their blatant neglect and avoidance.