davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed 3 times XXXX claim of XXXX in the amount of XXXX. It comes back VERIFIED, NO CHANGE. Yet i have talked to this Collection Agency several times as I have never belonged to a gym in my life. After finally talking to XXXX XXXX from the collection agency, he informed me he has my name and date of birth, however this Gym has been out of business several years. I responded that this was not my debt, and asked if he had a signed contract. I would imagine you would sign something if you are in a contract for owing money as they claim. He said, No they are no longer in business. However i was free to do what i needed to do as far as reporting them for false debt. I have went through great lengths and Transunion has not verified any debt, but yet reports it as such. This is by my knowledge not legal and is dragging my credit down causing great stress and denial of credit, even though my family has a lot of great active revolving credit lines including installment car loans on my record. Someone needs to be held accountable, and this false debt should have been removed 90 days ago. Obviously XXXX XXXX does not feel someone could possibly use another name and date of birth to obtain something, because they sure do n't have my signature or a contract agreeing to any sort of membership.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (TX)

Calls my cell phone looking for the previous owner of the number -- a XXXX XXXX. Have repeatedly told them this is n't my debt and XXXX XXXX is no longer associated with this number. They continue to call and leave blank messages on my voicemail.
Consumer complaint received 2015-10-13
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (AL)

XXXX XXXX the company Rushcard company said they were doing updates, for 2 days we 've had no access to our money, not able to speak or get to anyone to even pick up the phone. I deposited {$670.00} into my account not aware of this issue until after I had made the deposit into my account which by the way does n't show up, my card declines when trying to purchase food for my family, gas, etc. I just want my money like XXXX of others experiencing this crippling issue.
Consumer complaint received 2015-10-21
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (IL)

For a little over a week now I have not been able to get to my money on my rushcard I have called everyday with no luck i have sent emails I live pretty much paycheck to paycheck I 'm a single mother XXXX and I just want my money that I work hard for ...
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (AL)

I '' M A MEMBER OF PNC BANK ABOUT XXXX MONTHS AGO I WAS XXXX CHARGED BY A COMPANY NAME XXXX WHICH TURN OUT TO BE A SCAM SO I INFORMATION PNC BANK WHICH THEY RETURN THE MONEY TO MY ACCOUNT SO XXXX CHARGED ME AGAIN SO I WENT TOPNC ON XXXX/XXXX/15 & I TALKED TO XXXX XXXX XXXX WHO INFORMATION ME THAT MY MONEY WOULD BE IN MY ACCOUNT IN 10 DAYS BUT I CALLED THE BANK PHONE LINE IN THE MONEY WAS IN THE BANK SO THE NEXT DAY XXXX/XXXX/15 I WENT TO THE ATM MACHINE THAT WENT I LEARN THAT THEY HAD CLOSED MY ACCOUNT THEY OWE ME {$170.00} I JUST WANT MY MONEY
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Shellpoint Partners, LLC (LA)

Shellpoint Mortgage Servicing company has been reporting that I am overdue {$4.00} on a XXXX mortgage that I paid off in XXXX 2014. I am trying to take advantage of a refinance opportunity on my home mortgage so that I can finally get ahead on my budget. I sent Shellpoint a check for {$5.00} to clear up the balance again. They said that there were over {$2000.00} fees transferred with the account and I need to contact Resurgent. XXXX XXXX owns all of these servicing agencies. I have requested a breakdown of the fees and I get nowhere. Each time I inquire about the balance, I get targeted for more fees. This is so unfair. This loan was originally with HomEq. They sold to Resurgent. They sold to Shellpoint. I have worked so hard to get my finances back in order after Hurricane XXXX. I paid every bill that I owed even if the creditor had closed the account and gave a bad report to the credit bureau. I paid every balance. My credit bureau report shows that I have XXXX balances on accounts during that time. Now Shellpoint is reporting that an account I paid in full has not been paid and they are reporting this lie to all XXXX Bureaus every month. I do n't know how to get this removed from my credit. Please help me.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AR)

This all began XX/XX/XXXX when my wife of 30+ years passed away. My stepdaughter had been living with us and continued to do so until the XXXX. Apparently, my stepdaughter had stolen blank checks from my home XX/XX/XXXX. When she moved out XX/XX/XXXX, I was still under much mental stress from the passing of my wife. I knew the amounts that had been deposited to my Regions Bank account and my account at another bank and what was withdrawn by me, but I did not discover the forgeries until I was contacted by the bank due to overdraft XX/XX/XXXX. I contacted my local branch and found that between the XXXX accounts over {$20000.00} had been XXXX and forged against my account. The XXXX account has reimbursed me over XXXX % of lost funds, however, that was a different bank. I have now been informed from Regions that I will not be reimbursed for the $ XXXX+ that was forged on this account, due to it not being reported within 30 days of the first forgery. However, these forgeries were reported to multiple counties and cities on forgery and theft charges upon encouragement to do so by Regions Bank to ensure my losses. I followed directions from the bank officer, and then received phone call last week stating that NO funds would be reimbursed. These transactions were due to the fault of the bank, by MULTIPLE tellers and branches, and the dollar amounts and timing of check cashing were extremely suspicious, and they were still cashed without question.
Consumer complaint received 2015-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

The loss mitigation process has once again been denied for another reason of which has to do with HAMP notification denial because I failed the NPV calculator. Is the investor of my mortgage in a better profit position by approving me for modification or would they have a higher profit margin by allowing the property to foreclose. The Forbearance and the Repayment denials are not explained thoroughly to understand the reason that has not been written or sent. It should be taken under consideration that my income for my home is more than sufficient. I have XXXX ( XXXX XXXX XXXX ) and my husband is a XXXX veteran. Our only interest is to keep our home. The denials change to a different perspective that do not help to save my home. We need assistance as to what we can do for our good cause to keep our home. All the income for my home is based on a fixed income that approximately excedes {$6000.00}. I would really appreciate all the help I can get with the bank and I 'll need further assistance.
Consumer complaint received 2015-08-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX2015 I contacted Chase claims department and custmer service to report unauthorized charge was frauduently deducted from my checking account I did not authorized by XXXX. I also contacted XXXX that I inform Chase had been contacted. Chase did not request a handwritten formal dispute from me. I was led to believe the had consumer protection for their customers. I explain to Chase that my car was being repaired and the dealorship contacted XXXX who they do business with to come to their dealorship and pick me up to transport me safely in their car to put me in a rental because the dealer did not have any loaners available. When I got to the location the business partner ask me for my personal information like drivers licensed, insurance card and a credit card. I gave to them when XXXX new the dealor was paying for it by discounted rate. When I returned the vehicle to the dealorship. The XXXX rental charged my credit card without my knowledge. On the XXXX of XXXX 2015 I received a email from Chase claims department and was told by customer service it is difficult to collect on this entity and I was not given any consumer fraud protection. I was told three weeks later that they would not be able to handle the fraud on my account. I said why did you waist my time if you knew you was not able to handle the fraud onmy account. I did call back again and spoke with someone else then was given another story that they did not have copy rights to handle this fraud on my account and never contacted XXXX to dispute the fraud. So now time has passed and time had ran out for me to rebuttal the unauthorized charge against my account. I closed my account to avoid anymore unauthorized charges to my credited card. Then I discovered Chase added the fraud charge never disputed with the merchant whom I never personally done business with only misled by business relationship with dealor and rental car business who slammed my account for charges the dealor agreed to pay for and the XXXX employee trusted the dealor to pay. Instead the rental car employee charged my car with no permission of myown. Anyone that takes possession of a rental rather the dealorborinsurance or third party is paying. A drivers licensed insurance card and credit card must be given for security purposes. The Chase rep started screaming at me very unprofessional and have bounced checks and taken money put me in the negative in my account.
Consumer complaint received 2015-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.
Consumer complaint received 2015-07-31
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

I bought XXXX gift cards from my local grocery store XXXX XXXX XXXX part of XXXX ) issued by US Bank on XXXX XXXX, 2015. Each gift card was loaded with {$500.00}. 
Within a week of so of loading, the money was already drained from the card fraudulently. I filed a dispute with US Bank, the issuer of the card the moment I realized the theft. US Bank did not ask me to fax in copies of receipts until XX/XX/XXXX, which I did promptly. 
So far, the only response I am getting from US Bank is we are waiting to hear back from the retailer where the funds were used.
Consumer complaint received 2015-10-13
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Argon Credit (CA)

At first it was pleasant smooth and an easy process I was told at XXXX that everything was finished and that I would receive my funds in 24-48 hours when I called about a confirmation email I was told at XXXX that my status was changed to decline with no reason why and when I explained to them about earlier conversations they claimed they had no record of approval for me when I tried asking for a supervisor none were there also the XXXX people that told me I was funded when I tried contacting them the mailbox was full XXXX I recommend you stay away from this company as they are a scam and play with people 's emotions
Consumer complaint received 2015-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BMW Financial Services NA, LLC (NJ)

Good Morning, I have disputed my pay history with both BMW Financial & all XXXX CRA 's. I 've asked BMW to correct their reporting of 30 day lates that are reporting on my credit. I 've included my pay history with BMW as you 'll see I have never been 30 days late. I have been 28 sometimes 29 days late but never 30 days. If you review the pay history in XXXX I have paid in the same fashion with no penalty to my credit history. My original due date was the the XXXX of each month, I leased the vehicle in XXXX/XXXX/XXXX as you can see from my pay history I have never had a payment post on the XXXX of any month. I had the payment date changed in XXXX of XXXX for the XXXX of each month, once again I never had a payment post on the XXXX. XXXX has me 30 days late on the XXXX & XXXX of the month when my payment would be 28 days late. Please review the documents thank you for help : - )
Consumer complaint received 2015-10-20
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please do n't call me regarding this complaint. I want a written explanation for the following question for legal purpose. I am not expecting any promotion from BOAHere is the question******* Beginning of question *********Why BOA did n't inform/disclose me that I am not eligible for promotion before I open my account and why they did n't open the right account knowing my intention is to get the promotion? 
XXXX End of question **************They tricked me to open an account and later told me I am not eligible for promotion. 

XXXX XXXX XXXX BOA XXXX or XXXX XXXX please do n't contact me instead answer my question in writing and please do n't talk about promotion eligibility as you have already explained that many times. I am not looking for any promotion. 
Our BOA Business Checking account # is XXXX
Consumer complaint received 2024-11-22
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name 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 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

Account : XXXX  Account Number : XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX payments that are reporting inaccurately. The consumer reporting agencies need to report all information with accuracy. I have attached a copy of my report to this complaint on the following dates, XX/XX/2023, and XX/XX/2023. I would like for you to investigate this account and update these payments to paid on time immediately. Thanks for your understanding and prompt action. I can be reached at XXXX for additional information.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2015-05-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

Received a call and voicemail was left from a restricted number this afternoon around XXXX. Name of the caller was XXXX XXXX. No company name given, no specific reason for calling ( never mentioned actual debt or anything it was in regards to ). Immediately started talking about coming to see me Monday with a court summons at either my residence or place of employment and that I would need proof of ID and my signature. Said that if I was n't reachable on Monday or could not be found, that they would file an affidavit and further action would be required. Only information given to contact them was this number : XXXX and used the word 'firm ', no company name given. Also said to refer to case number XXXX. I 've received calls like this before and they have been happening more often. I did not call the number back, but a simple XXXX search pulls up similar incidents from other people receiving calls from this number and numbers like it.
Consumer complaint received 2015-08-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (LA)

Santander consumers are the worst finance company ever. They towed my vehicle today for delinquent payments since XX/XX/XXXX. Mind you, it 's XX/XX/XXXX. I first purchase my vehicle from them in XX/XX/XXXX, the loan was {$25000.00} with monthly payments of {$570.00} a month and the balance is still XXXX. All my payments went to interest and {$0.00} went to the principal. Also, was charged {$10.00} for extra fees every month. I wrote 5 certified letters to Santander request my singed agreement terms. However, no response, called and was on hold forever and was given the run around. Never a straight forward wander. Then on top of that they reported on my credit stating I have n't been making my parents. 

This morning I got a call from my cousin, stating someone called him to tell him my car is being towed and to come get my stuff out of it. That was when I found out my car was being towed for delinquent payment because I have n't paid since XX/XX/XXXX I was so confused when I paid it on the XX/XX/XXXX. When I called satander, they stated I had a late payment in XXXX and that late payment accumulated to {$2000.00} then on top of that I have to pay for the repossess payment which was {$3500.00}. This company is ridiculous. Someone has to do something about this company ripping people off.
Consumer complaint received 2015-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (DC)

I was in the process of getting a mortgage modification with M & T bank. The modification agreement had been approved and the papers were sent to me for signature. The transmittal letter advised that I consult an attorney before signing the agreement. After review the document, I hired an attorney to look it over. There were a few issues that I had with the document and my attorney contacted the underwriter! ) the property was owner occupied 2 ) the interest rate of 6.875 % has not been reduced. In other words the bank did not make any modifications at all. Subsequent to my attorney contacting the bank, all calls and correspondence were thereafter unanswered. I am still making the payments required, but the payments are not being credited, and each statement has charges added to my mortgage statement that are in dispute. Is there anyway you can get the bank to contact my attorney to resolve these issues.
Consumer complaint received 2015-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On or about XXXX XXXX, 2015 at or about XXXX I receive a telephone call from Port Folio Recovery and Associates [ ( XXXX XXXX XXXX ] in an attempt to recover a debt. I at the time received the call on my cell phone while attending worship services. All of my home phone calls are forwarded to my cell phone when not at home. 

I asked the person on the other end of the line exactly who they were and why they called on a Sunday morning. The person identified herself as XXXX an agent of the company and informed me that she can call any day of the week including Sundays in an attempt to collect a debt and that she was not in violation of the Fair Debt Collection Practices Act. 

I informed XXXX that my interpretation of the law was different from hers and that I would take appropriate action to rectify this use of unrestricted power of calling an alleged debtor on Sunday morning while in worship services.
Consumer complaint received 2015-07-31
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I signed up via e-mail to perform an evaluation survey dealing with the transfer of funds via Moneygram to an XXXX XXXX located in XXXX. I received a check for {$2200.00} from a company titled XXXX XXXX XXXX located in XXXX via USPS Priority Mail express. I would take out my compensation of {$300.00} and {$50.00} for gas and transfer the remaining amount XXXX {$1900.00} XXXX less a {$50.00} MoneyGram fee XXXX MoneyGram total of {$1800.00} XXXX to XXXX XXXX. I cashed the check at my local XXXX Bank and did as advised. Subsequently, in a letter from XXXX Bank, dated XXXX XXXX, 2015 I was advised that the check that I cashed was " altered/fictitious '' and my account was going to be charged for the bad check. The check was a fraudulent check. Additionally I have filed a complaint with the XXXX Postal Inspectors Division and the Federal Trade Commission reference # XXXX.