davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Billing disputes — 
Company: FIRST NATIONAL BANK OF OMAHA (TN)

My complaint is about a dispute improperly handled by the credit card company. 

My credit card ( XXXX card ) was originally issued through XXXX. In XXXX 2015 I disputed a charge of {$100.00} for a XXXX night stay at XXXX XXXX TX, because the services provided were not as advertised or as expected. ( Very briefly : We did not get an accessible room as requested, and my XXXX husband XXXX. There were various other problems as well, none of which were corrected. ) I provided plenty of evidence supporting my claim. The bank issued a conditional credit while investigating. After about XXXX weeks I received a letter from the bank stating the charge was placed back on my account because I stayed in the hotel, i.e. received the service. 

I disagree with this decision because : -I never denied that I stayed in the hotel. My reason for dispute has consistently been that the services were substandard, not as advertised or expected, and the management made no effort to correct the problems despite repeated requests. 
-The bank was fully aware that I stayed at the hotel when they first placed the charge in dispute. If there 's no recourse they would not have initiated the dispute in the first place. 
-XXXX offers protection to customers for services that are substandard or unsatisfactory, as do other credit cards. " Services rendered were not as expected or advertised '' is XXXX of the specific reasons provided by credit cards for disputing a transaction. I provided ample evidence to support my dispute under this option. 

When I called to appeal their decision, I was told that the credit card has been transferred to a new bank, and I should contact them. I contacted the new bank, First National Bank of Omaha, and submitted my rebuttal to them. The representative said she would talk to a supervisor and see what she could do, but so far I have heard nothing and the charge remains on my account. My email to her attached. 

I then emailed XXXX XXXX XXXX, Executive Vice President of Consumer Banking in First National Bank of Omaha. Again heard nothing. My email to him attached, with supporting documentation about the dispute. 

It appears that neither credit card company protected my consumer rights provided through XXXX or Fair Credit Billing Act. I am requesting your help to get this dispute processed correctly and issue the refund. Thank you.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Midwest Recovery Systems (MA)

I have a XXXX charge in collections on my credit report that is not mine. I have tried to call the company several times and get a voice mail were I have let numerous messages with no response. I would like this removed from my credit report which is affecting my score. I have never gotten any bills or documentation of this charge.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (NC)

I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them.
Consumer complaint received 2015-07-18
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: BlueChip Financial (NJ)

I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (CA)

Hello, I have not been using XXXX for years but they are still charging my account with increasing amounts. XXXX is charging my XXXX account for the services I 've never requested or used. I called them and they returned my money without any problems and agreed that I should not pay for unwanted services, such as web site building applications I never used or requested. That is why I decided to stop XXXX from taking unauthorized amounts from my XXXX. Instead they added together random amounts, put them on my credit I never had with them, and started harassing me sending threatening letters, then sold this fake debt to the collection agency who started sending me harassing letters and threatening to ruin my credit. Please stop it immediately and return all money I paid to XXXX for fake services I 've never used.
Consumer complaint received 2016-09-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NY)

A law firm is trying to collect on a debt that was settled in a class action law suit and I am no longer liable for the debt. They sent a letter to my employer stating everything that I owed, what it was for etc to try and collect on this. My information should not have been given to anyone without my consent. I sent them a certified letter with the proof that I do not owe on this account.
Consumer complaint received 2015-11-08
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (FL)

RushCard ... Need I say more? No, not really, but I will. For 6 weeks now I have been told the same thing, that a system update is causing problems. No one has offered a credit per my inconvenience. And now I 'm being informed that the escalation department handling these inconveniences may or may not even exist. Rushcard has an escalation department but they will not be responding or calling customers about an expected resolution date. That was per a customer service reps own scripts. On the website, they still boast that with Rushcard, you get your money up to two days earlier. It 's been six weeks since the early direct deposit was last available to me, personally, so I feel it is false advertisement for Rushcard to still boast they can give new customers an early direct deposit when existing customers are not getting that paid for feature. I was even told that instead of offering overtime for the outsourced employees dealing with this fiasco, Rushcard is hiring new employees to help deal with the high call volume. So it was easier to hire new people to take calls than it was to hire professionals to fix or update said system issues. As I type this, I speak and proofread XXXX ( name changed to protect the identity of the now employed ). XXXX says that in the XXXX where she is located they do n't even offer Rushcards. So the employees hired to handle the situation dont even understand why it 's frustrating. I have had to change my online password several times since I keep getting locked out due to said system update. All in all after a year with RushCard, I do feel it 's been a bit of rushcard roulette.
Consumer complaint received 2016-03-10
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (CT)

I ( tried ) to use the American express serve prepaid mobile app to deposit a check, which they say takes up to 6 days to apply the funds. I assumed it was to ensure the check cleared. What they do n't tell you is that they use a vendor to evaluate whether or not to accept the check. They check I deposited was rejected and even after speaking to a vendor rep I have no idea why. The information is proprietary and they wo n't tell you why a check was not accepted. They do not provide guidelines of any sort, which means any check can be rejected for any reason. Their excuse is that it is an app and we should n't expect every check to be accepted. The problem is that the American express serve prepaid website and the app do not give any indication that the check will be put through this arbitrary process. this need to be fix I am scared to use their mobile check app fearing that when deposit a check that it will get rejected for no reason
Consumer complaint received 2015-10-14
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (CA)

i have a rush card that i am unable to access. I have a few bills that are due today XXXX/XXXX/15 and i usually get my payment 2 day early. They are updating their systems and the customers are not able to get a hold of anyone. i am a single mom with XXXX kids and i have to take care of my household but unable to due to not able to access my rush card. THIS IS SO NOT FAIR, i have not had this problem in the past and have been using my card for about 6 years
Consumer complaint received 2016-08-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

I am a homeowner of 25 years here in XXXX XXXX, XXXX XXXX, Georgia. I am a XXXX senior citizen and have a XXXX veteran as a tenant in my home. My loan was XXXX and later with Ditech as of XXXX XXXX. I had a HARP modification originally and after financial difficulties due to XXXX and additional medication, I have tried to receive another modification with my servicing lender which was Green Tree and later Ditech. I have been denied every modification from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, 2016 I received a new modification payment schedule from Ditech which forced me to seek other modification companies for assistance including filing bankruptcy in order to remain in my home. In XXXX, XXXX I received a new modification payment schedule from Ditech giving me a new account and payment plan to become effective XXXX 2016. Keep in mind, I had no idea they were placing my loan in a modification status until I received this information. In XXXX 2016, I mailed in XXXX, XXXX, and XXXX payment in the amount of {$950.00} for each month and they accepted all XXXX payments. XX/XX/XXXX, I received a foreclosure letter - to foreclose on my property, effective XXXX XXXX, 2016, this notice came from their attorney ( XXXX ) representing Ditech. After numerous calls to XXXX and Ditech, no one ever returned my calls nor was I able to speak with any representative until the middle of XXXX 2016. I was then told by the attorney that represents XXXX, XXXX XXXX, ATTY, " they should have never accepted my payments. '' She instructed me to call Ditech directly. I called Ditech and was transferred to the bankruptcy department. XXXX of the bankruptcy department of Ditech indicated he would send me a new modification application and said I should receive it within 10 business days. To this date, I have yet to receive the modification application from Ditech. At that time, I asked for an audit of my loan. After the 10 days expired, I contacted XXXX XXXX and Making Home Affordable for assistance with helping me to apply for a new modification. I submitted a new application with the assistance from XXXX XXXX on XXXX XXXX, 2016. On XXXX XXXX, 2016, I received a letter from Ditech that my modification was denied because my property has been foreclosed and I was no longer the owner. 

I have enclosed all recent documents from XXXX and Ditech and bank verification of my payment. Also my dated the modification application submitted by XXXX XXXX.
Consumer complaint received 2015-06-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. 

Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX
Consumer complaint received 2023-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; CHILD SUPPORT ENF XXXX XXXX Balance Owed : {$170.00}.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (DC)

My name is XXXX XXXX XXXX I perches a vehicles on XXXX/XXXX/2016 and after one month I perches my vehicle moved to an a there state and I informed my bank immediately to Stat to Stat title transfer but the bank do the trick do anything to solve my concern know I could n't registered my vehicle and the XXXX wo n't prof of insurance or XXXX pend my driver license I did n't know what to do please Ned help. Thanks
Consumer complaint received 2015-12-29
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Capital Management Services, LP (CA)

I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management XXXX.
Consumer complaint received 2016-06-01
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (NJ)

The issue is that I did not receive proper documentation. I had no idea that this bill had gone to collections until I logged into XXXX and looked at my score drop from the XXXX to below. I never even recieved this bill before it went to collections. Once I found out what the bill was for, I paid it immediately online. It has been removed from my XXXX report/score but not my XXXX. My Fico credit score has dropped significantly because of this and I would like it removed.
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (ID)

Opted out of overdraft coverage to keep from incurring unneccessary bank fee 's. Was told overdraft coverage would be cancelled within 2 days. The account was still allowed to over-draft a week later. US Bank is telling me that I can not opt-out of overdraft coverage on that account. I am now {$210.00} in the red, before extra incurred fee 's.
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Empowerment Ventures, LLC (NM)

I bank with Rushcard prepaid services and on Monday they went through a system update which left me with not being able to use my car for XXXX - XXXX hours while the update was taking place now the update is over and I still can not access my account I can not get in contact with anybody and customer service all my money is in my bank account I can transfer funds I ca n't deduct my money from the atm I 'm not able to do anything my direct deposit goes in tomorrow which is XXXX XXXX I need to pay my car payment and I need gas I need food on the table
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

We are in the process of completing a mortgage closing and approval when a problem arose. we applying for a XXXX XXXX loan which require-sour credit history with our past HSBC mortgage company. We Completed short sale in XXXX 2015 with all the approval and requirements set forth by HSBC.We have pleaded, asked as politely as possible and begged for HSBC to report the trade line and show the short sale as required to get loan approval by XXXX XXXX I believe. 
We tried for close to a year or more submitted paper work to HSBC to hardship department. We where seeking a fixed and lower rates to stop the continued elevation of the already too high 9 % as compared to rates at the time. HSBC dragged their feet and never provided an acceptable solution. 
WE NOW HAVE AN OPPORTUNITY TO RESOLVE OUR ISSUES AND HSBC PROVIDES NO HELP. 
HSBC is the worst company I have ever worked with .HSBC s not customer friendly. HSBC does not believe in the american dream of owning a home
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

XXXX is my last name my loan is under XXXX they have sent me paperwork wit XXXX ... I was never able to get that resolved my loan number is XXXX XXXX I have three payment left on a 5 yrs automobile loan I made a payment on line some how they did not receive the payment via internet I received a call that I was late and would I like to make a payment I told them that I had and the gentleman told that they did not have one on record ... I offered a credit card and figured I could figure this out with my bank ... this was the 2nd occurrence with this bank I get a call the next day from a toll free number stating it was the bank I wanted to get the issue fixed so not to ding my credit I got a recording from from this toll free number stating all the customer service representative were bus and to call back btn and it gave hours of operatation ... another customer service rep called and told me I owed $ XXXX to my loan ... I asked what he was looking at and he told me that was for XXXX and XXXX I told him i only wanted to make the {$380.00} at this time that I had a commission check coming in and would pay the whole loan off in early XXXX ... I had two subsequent calls after that stating that the money was returned to my bank ... so back to my bank I went to find out they took the $ XXXX out of my bank and there was not funds for them to take the $ XXXX I called back requested a manger one to pay the loan get the late fees reverted and to pay my banks fees ( the women I spoke to told me to get a letter of the fees from my bank ) I was told that my account was going to XXXX a manager and I would be taken care of to this point I have a letter from my bank I have a call from thier toll free number but no one on their side would answer when I said hello..to call into the bank it is a night mare to get any one I went to their governance page and asked for a couple of those individual on the page I was told by customer service that they could not offer me that information Oh so I TRIED TO MAKE A PAYMENT THIS MORNING on the internet and coud not make the {$39000.00} was told to call customer service and so far XXXX has been over 45 minutes to get someone to talk to ... 
I was told they would review the recorded conversation and get back with me that never happened i just want the fees reverted ... letter that they did not mess with my credit score and loan paid off there are so many layers to this bank you can not reach someone who will run with issue
Consumer complaint received 2015-06-29
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (CA)

They mailed a collection notice with terms to my employer 's home address in another city. The letter was addressed to me at his address, my employer opened it. My employer put the open notice on my keyboard on my desk where it laid for XXXX days in my absence. 

They also mailed a notice with terms to my daughter 's address in another state. My daughter opened it and called me very upset.
Consumer complaint received 2015-05-07
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (NJ)

United Recovery Systems called my place of employment and was very nasty to the secretary. The man wanted to speak to me and the secretary explained that I was in class. I am a XXXX I could not leave XXXX, XXXX year old children to come to the main office and speak to him. Apparently, my class was not important. 
I am now in debt settlement and have a law firm handling my case. I have since XX/XX/2014. 
It is illegal to harass people at their place of business.
Consumer complaint received 2021-08-01
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: EQUIFAX, INC. (WI)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also, Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so dont want any automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because I will pursue litigation for false information. Now do your job now!!!! I have attached my ID