davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-10
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: RAYMOND JAMES BANK (MI)

I decided to invest my money with Raymond James in XXXX, 2015, due to the guarantee of protection that I would be getting with my investment. My financial advisor at Raymond James informed me that he could not provide better returns then what I was seeing on my own but what he could do is promise me protection from any major loss if the market was to go into a tailspin. His investment strategy he was proposing was to set Stop Losses in my plan to make sure I got out of the market at 10 % loss if the market was ever to have a major drop in the market. He could not believe that I had no protection built into my current plan that would protect me from a catastrophic loss and what he could offer me was peace of mind and a guarantee that even in the worst of times I would not suffer more than a 10 % loss due to the protection that he would put in place with his investment strategy. I believe the Stop Loss investment strategy was not properly explained because this strategy did the opposite of protection and caused me to have a major loss. NO RISK was even mentioned. I should have never been promised protection if that was not true. The sales pitch I was given was based 100 % on protection. When the market dropped on XXXX XXXX my account was traded at 40 % below the market in some cases. The value of my account dropped by over XXXX. My advisor said that it was not his fault and this has never happened before. I should have never been sold a guarantee of protection if this was not true. My advisor should not have had me invested in XXXX 's that were not liquid and difficult to find a buyer in a down market. I feel Raymond James and my financial advisor are responsible for my loss by their negligence to understand the inherit risk of an investment plan based on Stop Losses, to properly inform me of the risk involved, to have invested my money in XXXX 's that were not very liquid, and to promise protection from a loss of greater than 10 % and yet I suffered losses of 40 % below the market. The response I 'm getting from Raymond James is not acceptable when they are supposed to stand behind their promise of protection and integrity. They empathize with my situation but say the trades were valid trades even though the orders were filled at prices lower than the sop amount limit was set for.
Consumer complaint received 2015-11-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Republic Commercial Service, Inc. (CA)

Metro Rep Comm Svc Inc. is reporting a medical collection account on my credit report to all XXXX major bureaus despite the fact that I informed them upon initial contact that I was disputing the validity of this debt. They never contacted me prior to reporting this account. I discovered the account through XXXX XXXX. I tried to call Metro Rep Comm Svc Inc. but they were very difficult to get hold of. They never answer the phone. I left more than XXXX message that I was disputing the account with the original medical provider because I did not receive the services claimed. I have asked for a complete accounting of the bill but I have been ignored. I have never received a call back, any correspondence from Metro Rep Comm Svc of ANY kind yet they are reporting this on my credit. I believe that this is a violation of several laws including but not limited to Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX ( b ) that your claim is disputed and validation is requested. I also believe this may be a violation of the XXXX XXXX and the recent agreement between the bureaus and the New York XXXX as this is a medical bill.
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (TX)

During the period of my mortgage with PHH Corporation, force placed insurance charges were fraudulently collected from my account. PHH has been ordered to provide restitution to such borrowers as myself. I have asked PHH for funds to be returned and they are nonresponsive.
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a problem with a loan I got in XXXX XXXX, and subsequently refinanced again in a later date. Now about six months ago I found out that there are still XXXX outstanding liens from this transaction on my property. Also in XXXX the hat a wildfire come through and burned my house and most my records. This loan from XXXX was financed by Bank of America and I 've been working with Bank of America for six months or more and they are on able or unwilling to give me any pertinent information. These liens on my property from the prior owner causes me great financial trouble, I can not get in equity line of credit or sell the property lists these XXXX outstanding liens present. Thank you very much XXXX XXXX
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

Pioneer Credit Recovery Inc continues to send letters advising that a debt of XXXX is due to the XXXX XXXX for a Small Business Administration loan. No one at this address has ever applied for, been part of a business, or co-signed with anyone taking out a Small Business Administration loan. This company, Pioneer Credit Recovery, has been notified in the past that this debt does not belong to the occupants at this address. Yet, they continue to seek collection with letters threatening wage garnishment or legal litigation by the Treasury Department.
Consumer complaint received 2015-06-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: First Investors Servicing Corporation, Atlanta, GA Branch (WI)

In reviewing XXXX XXXX credit report, I found that first investors financial service corporation placed the incorrect balance amount along with the duration period of the false balance on my XXXX report. I currently have a pending investigation with CFPB open with their debt buyer XXXX XXXX XXXX, in which they requested 60 days to get the correct balance resolved. Within those 60 days, my first investor financial services credit report balance increased to the loan origination amount. ( indicating that my high loan balance was XXXX ) Please be advised that payments were made throughout the lifetime of my loan. It is basically showing I have n't paid anything. I had gap insurance, along with my car was sold at auction XXXX/XXXX/2014. None of those credits were applied. Based upon the consent order dated XXXX/XXXX/2014, first investor financial services was ordered to pay a XXXX XXXX dollar fine based inflating delinquency amounts. The only difference in this matter is first investor financial services was n't able to inflate my delinquency balance on XXXX and XXXX, they used XXXX.
Consumer complaint received 2015-11-09
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I had co-signed a loan for a XXXX XXXX in 2012 for a friend. I am the make because my credit was more impressive than hers. She fell behind on her payments as she no longer could afford the almost XXXX dollars a month payment. This is falling back on me. My account is currently on my credit report showing that it is in collections. I am currently on social security and XXXX which stops them from collecting anything from me and I was receiving when I signed off on the loan.They send me letters from time to time. I do not want this to backfire on me.
Consumer complaint received 2016-01-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NM)

citi became the new credit issuer for best buy and home depot. I was then discovered that my spending limits were slashed for no reason and was never notified. Never late with payments. I then notified citi I was cancelling this acct. They immediately shut down my on line access and since I went paperless, there was no way for me to pay my bill. I called again and they said when accounts are cancelled, so is the on line access. They then said they would send a paper bill but it would take a while. And in the mean time, they reported to the credit reporting people that my acct was 2 months late and my score dropped XXXX points, greatly hindering my abilities to obtain anything. They should have told me about shutting down my on line access when I cancelled my acct but they didnt. I am sick by what they have done to me as its taken me a while to rebuild my credit over time and they just ruined it and me. Some action needs to be taken against these criminals.
Consumer complaint received 2024-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to 15 USC 1692c ( c ) IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION.
Consumer complaint received 2015-12-19
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NY)

For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! XXXX!!!! Just because I wanted to dispute items? What does XXXX have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.
Consumer complaint received 2016-03-13
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (TX)

Tried to make a money transfer to XXXX via Western Union today sunday. They were able to take the money from my account very fast, but then denied the transfer without giving any explanation. Now they say are not responsible if I DONT GET MY MONEY TODAY BECAUSE IT DEPENDS ON MY BANK. tODAY IS SUNDAY..THE BANK IS CLOSED AND THIS MONEY IS FOR AN EMERGENCY
Consumer complaint received 2015-12-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (KS)

I have XXXX debit card transactions that occurred a day prior to an ATM withdrawal ( ATM withdrawal resulted in an overdraft of the account ). However, the ATM withdrawal ( which occurred a day after the debit transactions ) posted to the account before the XXXX debit card transactions, so instead of an overdraft fee ( {$35.00} ) for the ATM withdrawal I received XXXX overdraft fees ( {$140.00} ). XXXX for the withdrawal and XXXX for each of the debit transactions. I called the bank ( Wells Fargo ) and spoke with a customer service agent and then a supervisor ( XXXX XXXX ). The supervisor repeatedly refused to provide contact info for his manager, or anyone above him, and repeatedly stated " We are all going to tell you the same thing ''. He eventually transferred me to a department so I could " file a complaint '', but when transferred I was asked to enter an extension from the directory and the line disconnected. I was given no such information from the supervisor who transferred me. 

I have researched the practice of batching the posts for the day and then posting the highest items first. I understand this is a " legal '' practice. However, the overdraft item ( ATM withdrawal ) occurred a day after the debit card transactions. So in my case, this should not apply. 

Which raises another concern. The supervisor I spoke with notified me that all three of the transactions were listed as " Credit '' and not " Debit ''. XXXX of these transactions are from a market right across the street from my employer. I visit this place almost daily and I ALWAYS select " Debit '' and enter my PIN. There is absolutely no chance that I accidentally ran it as credit. 

So the second component of my complaint is that assured " Debit '' transactions are showing up as " Credit '' transactions once processed. I have been told by multiple agents ( Wells Fargo customer service ) over the years that as long as I run the transaction as " Debit '' the funds will come out of my account immediately ( If ran as credit there is a valid delay in posting, depending on the merchant ). I have an inclination that the supervisor I spoke with may have been misleading about my transactions posting as " Credit '' in order to give a reason why the fees were valid, but I have no evidence or documentation to confirm this. 

To summarize, my bank has issued XXXX overdraft fees ( {$35.00} each ) based on the posting order of items. However, XXXX of the transactions were made when there were sufficient funds in the account. And further, the transaction that caused the overdraft occurred a day after the other transactions. I know my fees are relatively low for filing a formal complaint, but I tried contacting the bank for assistance and feel I have nowhere else to turn. Thank you. 

I called Wells Fargo on XXXX/XXXX/2015, approx. XXXX CST. 
The name I was given of the supervisor is XXXX XXXX.
Consumer complaint received 2016-01-08
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (TX)

Today on XXXX/XXXX/2016, I received an email stating that my American Express Serve account is being closed due to " unusual usage patterns. '' I have used Serve with full intent to pay credit card bills, water bills, gas bills, property tax, school tax, rent, XXXX fees, and other bills. In fact, the tax office is still waiting on the Serve bill payments that I requested to be sent on XXXX/XXXX/16. 

By closing my account, I will not have a way to pay my bills on time. What I loved about Serve was the ability to load money via credit card or debit card quickly and the funds would arrive immediately. It was more convenient that the bank transfer method that takes several business days. It was also more reliable than work XXXX XXXX. There is no activity that is inconsistent with the intended use of the account. Serve has been so great to me. 

As a servicemember and current American Express cardholder, I am often told that American Express has our backs, no matter the issue. But this is not the case, and this was a slap to the face to all of us serving.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding continues to report a duplicate account to all of the credit reporting agencies despite my efforts to get them to validate this debt. The original creditor is showing on my credit report and so is Midland. When I learned of Midland I asked them to validate the debt and they did not respond. This is a violation of FDCPA 809 ( b ). Since they refused to respond to my request for validation I disputed it directly with them and they ignored that and did not report that I had disputed it to the credit reporting agencies. That is a violation of FDCPA 807 ( 8 ). Basically Midland Funding is employing every predatory tactic there is to collect a debt that is beyond the statute of limitations. They also re-aged the account on the credit report. That is a violation of FCRA 605 ( c ).
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

i made a settlement XX/XX/XXXX. Now XX/XX/XXXX I am being offered yet another settlement on an already paid debt. 

Its been 12 years and now im expected to have receipt on hand. I have GOOD credit. There is no negative on my credit report for many years. 

I have maintained a good credit rating for many years and do n't owe any monies to this collection agency or its affiliates. 

thank you for your time. 

with respect,
Consumer complaint received 2015-07-15
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

I have a business credit card through Citibank, a Citibusiness AAdvantage Platinum Select Card. My last statement balance was {$750.00}, and I paid {$700.00} on the due date of XXXX/XXXX/15 ( no disagreement on payment due date or date received ). I was charged interest on XXXX/XXXX/15, in other words 10 days after payment, on the month 's average daily balance, rather than the unpaid balance of {$50.00}. And almost exactly the same situation occurred last month ( with a similar charge ). 

This {$11.00} charge is in addition to the {$100.00} annual fee I pay, and the ~2 % fee paid by merchants. All other credit cards I have charge interest on an unpaid balance ( not the average daily balance across the whole month ), and I find this practice of Citibank 's to be i ) an unusual, illogical, and frankly, greedy attempt to create fees and ii ) unfortunately in keeping with Citibank 's reputation of aggressive and opportunistic ( fees ) behavior.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am trying to deposit to my BoA checking account ( BoA branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that BoA enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ...
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

I have been trying to work with BOA in qualifying for a program to lower my payments-specifically my interest rate with no assistance. I began the process speaking with a HUD counselor who assured me I met the HAMP guidelines due to the extensive questionnaire and financial information she collected. After many months I was told I qualified for a trail modification which RAISED my payment with no other changes to the loan. After appealing my decision I was told again I did not qualify for any program and this letter dated XXXX stated I was not interested in refinance options at this time. What exactly do you call trying to lower your payment and interest rate?!
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.