davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX took an unauthorized money {$540.00} onXX/XX/XXXX from my Checking Account No.XXXX  of Bank of America , which I never authorized. I never established any account with XXXX. I contacted Bank of American more than a dozen times. But Bank of America did not help me, while XXXX told me that your money is here with us. Ask your Bank ( BOA ) to file ACH or Charge Back to get your money back. XXXX  sent me emails the first one was on XX/XX/XXXX stating, " Please contact your bank immediately to report the unauthorized charges. Your bank will also tell you how you can be credit. '' Messages Date Subject Reply Status XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXXView read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Transaction reevaluated - unable to pay XX/XX/XXXX View read message Affidavit received regarding previous debit XX/XX/XXXX View read message Unable to pay claim - No error occurred XX/XX/XXXX View read message Important second request - Please complet required affidavit Online reply expired XX/XX/XXXX View read message Important - Please complete required affidavit Finally, XXXX issued a check to me which I deposited yesterday, XX/XX/XXXX.

I am officially filing this complaint against Bank of America, as BOA did not cooperate or helped me to get my money back.
Consumer complaint received 2018-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

T D Bank on XX/XX/18 had my account one pending for {$280.00} the next is was {$260.00} I had a check payable to XXXX XXXX XXXX for {$280.00} there was a deposit of {$300.00} showing when I left the bank the next hour it was {$260.00} then my account was drafted for {$35.00} then I call then the lady was rude on the phone after I ask all the questions to verify the account. Then I ask to speak to a manager and she got upset and lock my account. Call back and the bank said my account was lock. I went to a Branch to get it unlock which was time I had to do for no reason. Sat there for over 30 minutes to wait to be unlock. My account should had never been  lock. T D Bank has bad service to the customers. I want my {$35.00} dollars back and I notice I pay some bills by Debit and it takes sometimes 5 to 6 days to clear.It makes no sense some one pays on a date and its 5 or 6 days later before the money is paid by T D Bank. I dont like how I  was done considering the payment was pending.
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Creditors Bureau Associates (GA)

I am reporting my rights, under the Fair Debt Collection Practices Act, ( FDCPA ), were violated. Under the FDCPA, it states, If you dispute the debt, then anytime the collector reports that debt to a credit reporting agency, then they must report that debt is a disputed debt. As you can see in the attached documentation, from my archived credit report, ( XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX ), they did not report the debt, as being disputed. They still reported disputed debt, to XXXX  and to XXXX, as if it were not being disputed. 
Attached you will also find a copy of the certified letter receipt ; the collection agency received a letter, asking them to validate not verify, said debt. According to FDCPA, Upon the consumers request written request within the thirty day period, the debt collector will provide the consumer with requested form of validation. A debt collector presented with a timely ( within 30 days of receiving my notice ) demand for validation must stop all collection activities until they provide the requested validation. As you can see from the attached certified letter receipt, from XX/XX/XXXX to XX/XX/XXXX ( today ), it has been 52 days. They have not provided me with requested validation, and they continued to report XXXX and XXXX, which is another direct violation of the FDCPA. 
In lieu of the violation of my rights under the FDCPA, I am requesting that these accounts be deleted from my XXXX  and XXXX credit profile, and that documentation of requested action be forward to me as soon as possible.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (HI)

I paid off the full balance of {$3700.00} on my Citibank Costco Credit Card on XX/XX/year>. The screen said my balance due was {$0.00}. I received a bill from this bank for {$44.00}, which I paid on XX/XX/year>, and the screen said my balance due was {$0.00}. Now I've received another bill from Citibank for {$83.00}. 

I called Citibank and asked why I keep getting charged for a closed account that I paid off fully on XXXX XXXX. I was told that the charges were for interest because the payments I made were past the deadline. 

I believe the charges I've received since XX/XX/year> are a scam to get me to pay more than I am required to pay or what is fair. I want these scam charges to stop and a refund of {$44.00} for what I paid after I paid off the full balance due.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo is trying to oust me from my home in a foreclosure process, despite the fact that I've prepaid {$200000.00} in principal. Their foreclosure process has continued despite my filing of a complaint.

I should not be subjected to a Sherriff 's sale to cover their outstanding balance of {$150000.00}, when my house is worth {$900000.00}. Check XXXX  for XXXX XXXX XXXX XXXX, NJ.

I'm XXXX  years old and encountering age discrimination in my career.

I've reported this before, but no response has been received.

If I were to get a refund of even apportion of my prepayments, I would still be solvent.

Wells Fargo has engaged in predatory lending business practices against me.

I'm too late for their class action complaint settlement. I'm suffering financial consequences and credit discrimination due to not being able to pay my monthly bill.

I NEED A RESPONSE!!!

I will be filing a federal superior court complaint pro se if this complaint continues to be ignored.

I was their most valued customer having prepaid mortgage, now I'm being treated like XXXX.
Consumer complaint received 2023-05-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I have requested XXXX and informed them that there are hard inquiries on my credit report that I did not request or give these companies permission to access my personal information. I have requested XXXX to provide proof that I requested this and since I did not they need to remove this hard inquiry from my credit report. 

Section 623 ( a ) of the FCRA generally prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/18, I was notified that my XXXX XXXX had been compromised and cancelled that card immediately. To be safe, I decided to put on hold my credit using the top 3 credit reporting agencies. I started with TransUnion. I went to their website and clicked on the option that I thought was right, Credit monitoring so I could freeze my credit. The screen took me to an input screen to enter my name, address, and identifying information. To the right was my credit score boldly displayed and I filled in the screen as directed and clicked " next ''. It asked for my credit card information which I thought was odd but decided this was a verification for the agency to ensure I was the right person as they had all my credit information on file. I completed this and continued to next screen. After finishing, I was informed I would have a recurrent charge applied and was shocked. Never did I agree to any amount and nowhere was it clearly displayed any recurring charges. I went back in to repeat the steps to see if it mentioned any charges. On the input screen where you enter 15 or so items about yourself in small writing on the lower right corner in an " advertising '' style box with a random photo of someone was " credit monitoring for $ XXXX/month ''. As most people, I ignore the ads on the right side of my screen and never thought small writing hidden in a box would be of serious importance. My attention was focused on completing the page and continuing. I called TransUnion and after sometime of explaining and reexplaining ( 5-10 minutes ) the agent said " I would no longer be charged anymore ''. I debated that I didn't want to be charged at all and all charges must be reversed as the page was deceptive and misleading. I explained that this was fraud to charge someone without clearly showing the costs involved but she ignored me and said wait and a few minutes later she said she would reverse the charges. I had to put up quite a fuss and spend excessive time to fight my way out of this charge. Other consumers will continued to be scammed by this poorly designed and clearly deceptive website. Folks who are not so wary and ready to battle for their rights. This needs to be changed. Not clearly identifying charges and no step to verify the charges is deceptive and misleading.
Consumer complaint received 2018-06-20
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. (TX)

I received a letter from XXXX XXXX XXXX that I had until XX/XX/XXXX to make a payment of {$760.00}. And that if the payment was received by this date then my account would not go into default. L But they filed on my credit on XX/XX/XXXX causing my score to drop 42 points. I contact them and they stated that the letter was automatically generated and that the action they took were correct. They also filed that I owe the full balance of the truck which is incorrect, it should have only been for one missed payment at that time. {$380.00} The truck was deemed a total loss by XXXX  XXXX car insurance and XXXX was notified. I have never missed a payment ever and I dont understand why they did not honor the letter. I have called them everyday trying to make sure that whatever I needed to do was being done and to confirmed when they received the check for {$4500.00} from XXXX XXXX. No one ever stated to me that I needed to make a payment because I signed the truck over on XX/XX/XXXX to XXXX  XXXX. I informed them with proof from The XXXX that they were sure to be paid. As of now I have contacted the insurance company which stated a check was mailed out on XX/XX/XXXX and the Postal service stated it should arrive in 3-5 business days with me giving them the zip codes of where from and where to. It should have arrived on Saturday XX/XX/XXXX and received Monday XX/XX/XXXX. But every time I call XXXX they a very rude with me and they are still stating they have not received the check. I feel discriminated against. They treat me like Im a joke. I have asked them for assistance since I am XXXX and has been for the past 5 years. And this morning XXXX tried to pull my credit Without my permission or consent. I called them after they had already tried to pull it. I received an alert from the credit bureau.
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXXXXXX XXXX while visiting XXXX XXXX I lost my debit card. I checked my account and found multiple unauthorized transactions from XXXX for a total of {$600.00}. I immediately called Chase and reported the card stolen and filed a fraudulent charges claim. After about ten days they issued me a credit for the {$600.00}, but then reversed it and took the money back.
Consumer complaint received 2018-05-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (NC)

Checked my rate online at XXXX for a payday loan of {$800.00}. It didn't show me a rate, but instead started a whole application. I was contacted by XXXX   who had me send in a copy of my bank statement and license.

I didn't recieve a truth in lending disclosure at the time until the funds were sent. The APR is over 400 % and violates North Carolina laws.

Luckily, they said I had three days to cancel the loan, and I did so on XX/XX/XXXX by emailing my loan officer named XXXX.

I didn't get a response.

I would like to get this toxic loan canceled ASAP.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I was contacted by portfolio Recovery Agency regarding an account that they claimed they purchased from XXXX XXXX ( XXXX XXXX ). On XX/XX/XXXX I requested that they validate and verify the information on their claim. I sent them a request for written proof. I cited the Fair Credit Reporting Act section 609 disclosures to consumers ( a ) ( 1 ) ( A ) and requested they verify through physical verification of the original signed consumer contract any accounts that they reported on a credit report. They responded on XX/XX/XXXX with old copies of statements and an explanation that they received only an electronic file and admitted they DO NOT have any signature. Despite this, they continue to report this on all three credit reports.
Consumer complaint received 2018-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

I completed 5 years of full time XXXX in a XXXX XXXX  ( low income XXXX ) in the area of XXXX XXXX, which qualifies me for XXXX  loan forgiveness under the XXXX Loan Forgiveness Program. 

I applied for it, with my XXXX XXXX XXXX assistance ( superintendent of HR filed the paperwork to certify my 5 years ) in XX/XX/XXXX. I received a letter from the XXXX   Loan Forgiveness Program approximately one month later telling me I was denied. There was no reason given. Upon further investigation, it was because I consolidated my loans from XXXX in with loans taken out after XXXX through XXXX. Because the program began in XXXX, I'm automatically left out, even though I have plenty of loans taken out after XXXX. Essentially, because I made the wise decision to consolidate and pay a lower interest rate overall for my loans, I'm being penalized. 

Please help me! I made the commitment and I need help with getting the federal government to follow through on honoring their program.
Consumer complaint received 2018-05-23
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. (MI)

In XX/XX/XXXXI contacted XXXX  to correct an auto loan information with XXXX creditor. They have not corrected the inaccurate info they are reporting. They are also reporting false info about an account with XXXX XXXX opened in XX/XX/XXXX and will not remove it. I have not ever had an account with this company and did not open one with them recently. Equifax is also reporting this inaccurate information. I  want these inaccuracies fixed immediately as they are preventing me from financing purchases and providing for my family.
Consumer complaint received 2018-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (AZ)

I received my mortgage statement, due for XX/XX/2018. On that statement, Seterus, the servicer failed to account for receiving my mortgage payment on time, on XX/XX/2018. I have proof of payment from my bank, showing the electronic transfer being received by Seterus ( attached ). 
Instead however, Seterus dated my XXXX mortgage statement on XX/XX/2018, five ( 5 ) days before the date the payment is considered late and assessed a late fee. 

Again, XXXX received my mortgage payment on time and I have proof. Nonetheless, they assessed a late fee -- this is in violation of the Note and Deed of Trust, which states the payment is not late until the XXXX of each month. 

This must be a newest/lateest tactic to assess late fees .. telling the borrower he/she is late even before the late fee can legally be assessed. 

Moreover, my XXXX mortgage statement was not received in the mail until XX/XX/2018. It does not take 10 days for the mail, so the fact that the statement is dated XX/XX/2018 means they held on to it before placing it in the mail. 

This company should not be servicing loans. 
A few months ago I was forced to file a complaint because for over 1 year Seterus refused to send me my statements in the mail. 
And, now that they have finally started sending me my mortgage statement in the mail they are assessing late fees prior to the date they are legally entitled to do so.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, 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. (MO)

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ive sent a report stating that 6 inquiries does not belongs to me ive also sent a removal letters and also an FTC report still nothing wasn't done
Consumer complaint received 2018-05-23
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. (CA)

I submitted disputes to the credit bureaus about an account that is older than seven years. I clear understand the rules that the statue of limitation begin since the last day of payment or activity, so the account in question is XXXX XXXX knowing that this item is from XX/XX/2010, so I submitted the disputes but the credit bureaus XXXX, XXXX and Experian did not delete the account.
Consumer complaint received 2024-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (NV)

I was hospitalized and have paid all necessary co-payments and this was covered completely by my insurance This company, nor the hospital ever contacted me regarding any outstanding past due amounts. 

These fees are outrageous This is damaging to my credit report
Consumer complaint received 2018-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (CA)

Recently have tried to contact collection agency regarding debt.

XX/XX/XXXX andXX/XX/XXXX certified letters asking to show me how they own debt.

Can they prove i owe it. how can this be I live in California. They were unable to validate debt except give me a bill. I've tried to dispute with credit reporting agencies. they said it was verified. that cant be because i verified by certified mail and they could not. verify debt. I sent multiple certified letters because on the 3 different reporting agencies they are showing different names and addresses it has caused a lot of confusion.

I sent a second letter asking a second time to remove if unable to verify. they refused by sending me another bill.

XX/XX/XXXX after their response I sent another letter stating if they can not validate or furnish anything then to remove debt. they refuse. I tried calling the hospital,. they will not share any information with me due to hiipa they said.

Ive tried calling them even the statute of limitations have lapsed. but still refuse they sai it starts once they post on credit report. however they have removed it then have reposted to my credit report. its a game and very aggressive tactic.. Ive called them about this. Their response was telling me that they can renew it by giving it to another company.

THEY REFUSE TO DISCLOSE ANYTHING THEY HAVE CHANGED THEIR ADDRESS THEY CHANGE THEIR NAME AND DO THIS SO PEOPLE MAY NOT DISPUTE CORRECTLY. ARE THE LAWS NOT IN PLACE PROTECT CONSUMERS?
Consumer complaint received 2018-05-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

We have done an ACH wire ( {$30000.00} ) on XX/XX/2018 from XXXX XXXX   to Wells Fargo. Unfortunately, Wells Fargo bank account was incorrect. ( someone hacked the emails of our vendor email server and sent us official notice of bank account changed ) Since ACH was initiated by us, XXXX refused to act as a fraudulent activity and Wells Fargo though confirmed ( by local bank manager ) they see this exact amount sitting in this account, but refusing to release fund back to us ( XXXX ) saying they need some sort of legal complain/ notice to do that. We went to local law and enforcement and file an official complain but after few weeks they found our money transferred from one account to another within Wells Fargo but eventually withdrawn the money by saying Loss Prevention Closing Entry ( screenshot attached ). It seems money is still with Wells Fargo and need your immediate assistance to release these funds back to us ( originator ). I would appreciate your attention to this matter. Thanks XXXX
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was approved for a Bank of America secured credit card and never received it after my deposit was withdrawn. The manager XXXX XXXX was very rude and was not helpful. Also the claimed I didn't receive the card because my account was overdrawn which it wasn't and I had BOA customer service rep verify and I was still denied after been told I was approved. This was an hard inquiry accrued on my account for nothing. WORST CREDIT CARD COMPANY EVER!!!