davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

My account was unreasonably cancelled by the Bank of America. I do n't care they close my account with no reason but I need my money on the account back. The total is XXXX dollars. I call them lots of times from the end of XX/XX/XXXX till now. They told me they will send the check to me, but I am not sure if they really did. I check the right address and phone number. The first time they told me they had made a requirement for sending it. After few days, I called them again to check. They said it was sent out already, but I did n't get it. They asked me to wait but there is no response anymore. I kept calling them to ask, the attitude of customer service is so bad! And they said they still did n't sent out but they can make a requirement again. After three business day, as they said I call them to check again, they still did n't send out. I asked if they can give me a reason why they did n't send it and send me an email when they send the check. They still say no!! They said the check was sent back to the Bank because no one received. That 's impossible! I lived in the residence hall, all the mail will be received by university employees and the Bank mail does n't need signatures. Today, I called the customer service, firstly, a lady asked me do my city have Bank of America, if so, I can just go to the bank and get money. Then I called the Bank of America financial center, the  banker told me I can take my photo ID and get money directly. For making sure, I called the customer service again. Another customer service worker said they do n't have this service and what I can do is waiting. They do n't give me any promise, response and evidence show they have already sent my check. 
My first language is not English. I am an XXXX I do n't know if this is because they think XXXX people do n't know the policy or law, so they intentionally do this to me. This is XXXX. I really want you can help me to solve this problem.
Consumer complaint received 2017-10-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and TransUnion are not investing nor providing the method of verification for the following item : XXXX XXXX XXXX IL XXXX / XXXX Additionally, how are XXXX and TransUnion able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX CLOSED Company still working STATUS Company response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX reviewed the complaint, its records and initiated a reinvestigation. *XXXX did not receive any additional communications from the consumer during the review of the complaint. *XXXX will mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Equifax has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow 7/10 business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at XXXX to learn more.
Consumer complaint received 2017-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nations Recovery Center (NY)

On XX/XX/XXXX I received a call from a woman by the name of XXXX XXXX, a representative of XXXX XXXX XXXX, a Collection firm. I was informed that I owe a debt in the amount of {$7000.00} from XX/XX/XXXX or XX/XX/XXXX- or it went into collections in XX/XX/XXXX ( per the caller ). The caller stated that I was served in the state of Georgia and in New York. I have never been served and I have never resided in Georgia. I requested that the caller send via US mail any relevant information including all signed contracts. I was informed that i would need to go to the court to look up the file I informed her that due to my XXXX I could not go to the courts to research at this time.. I was then informed that the debt will not dissolve until XX/XX/XXXX and my assets will be subject to seizure along with other threats In addition, i was informed that there are ways that my bank account or personal information could be obtained.
Consumer complaint received 2017-10-06
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: Convergent Resources, Inc. (NV)

On XXXX XXXX,2017 I contacted Convergent Outsourcing and I had no problem paying the settlement amount but I wanted to be 100 % assured that it would be completely deleted off of my credit report once it was paid. The agent assured me that it would not be on my credit report any longer once I paid the asking amount. Now, 3 months later and the account is still showing on my credit report as a collection. Very unprofessional to reassure someone something that isnt true.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP (WA)

received an offer from Key bank advertising " receive {$400.00} with depositing {$500.00} in a Key Bank Checking account within 30 days from the account opening and keep it there for 180 days ''. When I signed up for the account online I was only allowed to deposit a max of {$400.00} into the account at that time which I did upon signing up. Once the account was set up and I had my account information I then deposited the other {$100.00}. This was roughly dated back to X/XX/17, then 180 days goes by with me maintaining a balance over {$500.00}. So I then check my account once the wait period has passed and I do n't see a credit to my account so I then called the customer service line. From talking to them they said I had to make a deposit of {$500.00} within 30 days of opening the account, which I was unable to initially because they limited me to a max of {$400.00} when I initially signed up because of the offer. This seems very shady to me because when initially when signing up they do n't allow you to comply with the requirements of the offer.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (VA)

1 ) Equifax 's lack of proper security allowed my personal information to be compromised 2 ) They did NOT let me ( or any of the customers! ) know when the data breach happened so that I could take proactive steps ; they only published it weeks afterward ( based on their statement of XXXX-XXXX-17, the breach happened on XXXX-XXXX-17 ), so my SSN, addresses, credit score, and other personal details have been at risk without my knowledge 3 ) The " compensation '' offered is in the form of one year of free credit monitoring ( XXXX XXXX ) which will not cover the lifelong risk of my SSN and other details being compromised 4 ) There is a hidden statement in the enrollment terms for XXXX XXXX that enrolling will waive my right to file a suit against Equifax, which is not accessible except by looking at the terms of service of the site itself. This is completely disingenuous on the part of the company 5 ) The only step for me to take to protect myself from Equifax 's data breach, at this point, is to pay them {$10.00} to freeze my credit XXXX {$30.00} total to freeze across all bureaus ). I should NOT have to pay THEM to protect myself from their bad business practices! 

This whole thing has been handled very poorly and possibly illegally by Equifax, putting me and millions of others at risk without timely and appropriate communication and attempts to resolve.
Consumer complaint received 2017-10-05
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. (GA)

On XX/XX/XXXX, I spoke to an Equifax agent in regards to several numerous repeated inquiries that I have not made. I even sent in a dispute online on XXXX XXXX,2017 that is still pending and has not been completed in 2 months. I advised the rep that I have in fact called the creditors and sent out letters 2ith no response. I even advised that one of the creditors on my report sent me a letter and it was addressed to someone else. After being on the phone with her for what I felt was over 30 minutes going through my credit report she stated she had submitted it but the next day I received an email with the same information I had sent to the creditors. I even spoke to one creditor who stated my report has only been pulled once, but showing up numerous times on my credit report.Then now I may have been apart of the data breach and have been hung up the face several times when trying to reach someone to speak to.
Consumer complaint received 2017-10-05
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. (CA)

I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.
Consumer complaint received 2017-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Recently, we paid off our mortgage with Wells Fargo when we sold our home. We were communicated that our escrow funds were going on the XXXX of XXXX. I have not received the funds to date. When I contacted them, they said they hold the check internally for XXXX business days before mailing and could n't confirm when it was in the mail. This seems like they are holding my money to earn more interest in the meantime. I 'm sure it 's not a lot in terms of my loan, but would add up with many others.
Consumer complaint received 2017-10-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (UT)

On XXXX XXXX, XXXX our legal counsel, XXXX XXXX, sent a demand letter ( via Electronic and U.S. Mail ) to Citibank, N.A.outlining Citibank 's negligence in their handling of our HELOC and asking Citibank to take the necessary steps to rectify the negative and harmful consequences we have suffered ( loss of credit capacity, loss of credit expectancy, and loss of credit reputation, increased out of pocket expenses ). Citibank has yet to respond to the demand letter, as outlined by Federal law which requires a response within 30 days. 
On XXXX XXXX, XXXX we sent, via fax, an additional demand letter to Citibank which has yet to see a response.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (TN)

On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX  STORE Credit Card. 

I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card. 

While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card. 

Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick. 

I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account. 

In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history.
Consumer complaint received 2017-09-10
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: EQUIFAX, INC. (TX)

Equifax was hacked and lost millions of personal data, mine included. The fact this company can have such critical information stored without being properly secured has put me at risk for identify theft. The offer of 1 year credit monitoring is inadequate because my identify may be stolen 5-20 years from now. The company should be offering lifetime credit freeze/monitoring to the people affected. 

Further, Equifax allows you to freeze your credit for 90 days but that can be unfrozen with a PIN which can be reset with the same information that was already stolen. 

Finally, the failure to notify customers in a timely matter that the company was hacked put me at risk without my knowledge.
Consumer complaint received 2017-09-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc. (CA)

I received a gift card as a bonus from work in XXXX XXXX with XXXX $ on it. It expired on XXXX XXXX. The company XXXX with phone number ( XXXX ) XXXX XXXX says they will not replace the new card based on their terms and conditions. On the CFPD website it says they should be able to replace the card : XXXX : XXXX What can I do about this how can I get this money back? 

-XXXX  Also , I am very happy that a resource like website exists for people like me.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I made a payment on XXXX of {$320.00}. There was already a post dated payment for XXXX that was scheduled on XXXX XXXX via the phone. My total credit that the account holds is only {$500.00}. After making the payment of {$320.00} the other payment processed the next day and later was returned. Then my credit card account went into revoke status on XXXX and closed status. I received a letter stating my account status. I immediately called to fix the problem and the representative told me that it will be taking care of and removed from that status. I then assumed it was done by the time I had made my next payment. I made another payment of {$100.00} on XXXX. I then spoke with the credit card company again on XXXX because I reviewed my statement for XXXX and it showed that I have no available credit, but I already had paid XXXX + {$100.00} and my account reflected an available credit via online. The representative told me on the call that my account is in revoke status, but note I already called between the dates of XXXX to address this situation after I received the letter and the representative told me it would be taken care of, whatever that meant. Now that my account is fixed, which it could have been done when I called between XXXX, the manager stated that my account already have been reported to the credit bureaus as it has been closed on XXXX. But due to the lack of training the representative I spoke with between XXXX my account is being reported in error because of that reason. On XXXX me and the manager fixed my account.
Consumer complaint received 2023-04-17
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

Someone opened an out of state account in our names and sold our property. The perpetrator is waiting to receive the proceeds from escrow. We were contacted by the escrow company when they decided to double check for fraud. We confirmed this was fraud and not to close escrow.
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

On XXXX/XXXX/XXXX, I learned about the Equifax hack that compromised 143 million people through the internet. The company took ZERO steps to let potential victims know that their information could have been compromised. 

Unfortunately, I am one of those people after looking at my credit report on XXXX/XXXX/XXXX with a different company. My information was used to get insurance on XXXX/XXXX/XXXX. I am currently having this be disputed by the different company as well. 

I understand that fraud can happen to anyone if you 're not careful, but in this situation, it is not my fault. The fault is on the company who did n't share the initial news back in XXXX. 

Had Equifax been upfront on the breach, I would 've instantly placed the initial fraud alert and the business that happened on XXXX/XXXX/XXXX would 've been prevented. But no. Instead, Officers of the company sold their stocks and the breach was n't found out until XXXX. Now I have to file a police report and extend the alert to 7 years and continuously do so after ; that information can be used all throughout your life, and I refuse to have my identity repeatedly stolen because of the negligence of others.
Consumer complaint received 2023-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

So on XXXX XXXX XXXX I called Credit Management LP to inquire about an amount owed to them. Upon speaking to a representative from their company they said I owed them {$580.00} dollars. I asked for what and she said it was an unpaid balance for XXXX XXXX. The Rep then told me I was able to Settle this debt for {$290.00} if I paid over the phone right then. I was also informed that this company does not perform any pay to delete services for credit. However they did say that they would settle the account for the amount paid and it would take 2 weeks for the update to reflect on my credit. I agreed to pay this {$290.00} to settle the account with them seeing as I had the time to wait for it to reflect on my credit. But now its been more than 2 weeks and about to be about to be 2 months since this settlement occurred and they have still not held up their end of the bargain. Which is now affecting me in the process of purchasing a new home.
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I had very clear fraudulent activity on my account in XXXX and XXXX of XXXX. Synchrony bank never identified the fraud and it continued for 30 days. My account was set up for automatic payment and the money was withdrawn from my checking account paying for the fraudulent charges. I called to report the fraud when I saw the large withdrawal. 
A fraud claim was opened. I contacted synchrony multiple time over the next several months. I never heard from them proactively. The only information I got was fraud communication was via email and I would have to wait sixty business days. I still never heard from them but eventually they found the claim in my favor at the end of XXXX which I only knew about because I called weekly to find the status. I now have a credit balance of thousands of dollars on my account that they will not release. I have been asked for dcoumentation that the payment in XXXX was made. It was an electronic payment so obviously they have that. Regardless I sent that via the companys portal. They claim they dont have it. Now I am faxing the documentation. I have been without this large sum of money for far too long and every step of the way Synchrony has been negilgent in fulfilling their duties. I need help in getting this money returned to me.I also want a complaint filed against Synchrony for negligence as I feel the fraud should have been identified way earlier than it was and this claim should have been resolved long ago. It is not XXXX and I have not received one communication from Synchrony regarding this matter.
Consumer complaint received 2017-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/XXXX, as XXXX of my XXXX XXXX, I went to my local Chase Bank branch in XXXX, to deposit assessment checks. I was told by the teller that one of the checks had a hold placed on it. It turned out that it was my check, from my account at a credit union. I asked why the hold was placed, and the teller said she did n't know why. I went home, and called my credit union, and they said that there was no reason on their end that a hold should be placed on one of my checks. I returned to the bank, and spoke to one of the bankers, who tried to cancel the hold unsuccessfully. I told the banker I wanted to know WHY the hold was placed, and she said there was no way she could find out the reason, that it was the " back office '' who made these decisions. 

My question is : can they do this to me without telling me why? Because the fact is that they are benefiting from having the money from this check from XXXX to XXXX, when the money will be sent to the XXXX XXXX. If they repeat this action enough times, I would guess that they can make quite a profit.