davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: TENET HEALTHCARE CORPORATION (CA)

Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail to the address that is provided on my credit report the letter came back to return to sender. Syndicated Office System is well are that this account is fraudulent and still verifying it with the credit bureaus. I called and talked to their office supervisor who on a recorded line said they did not need to reply to the credit disputes. I have sent a second dispute to them and consulted with an attorney about this ordeal.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NC)

My american express blue cash credit card is supposed to pay 5 % rewards on XXXX categories of spending at supermarkets, drugstores, and gas stations once I reach XXXX in spending for the rewards year. i reached the limit with XXXX in spending as of my XXXX/XXXX/16 billing. Since then I have continued to get only the low 1 % rewards with my XXXX, XXXX, and XXXX billings. I have called many times for the last 3 months without success. My last contact was an email stating my rewards were correct, unsigned with no callback number except for general customer service. Calls made since get only long waits, transfers, and promises to investigate all without success.
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MI)

hello I received a debt collection notice from Midland Credit Management stating I owe a debt. I do not believe I owe this debt and they can not give me any proof of this debt. I have also tried calling XXXX, XXXX and they all direct me back to Midland Credit Management. If I in fact have a debt I will gladly pay it but I do n't and until I have proof of this I will not pay it.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I have Had an business account with Bank of America for just about and year now. 
XX/XX/2016 around XX/XX/XXXX - XX/XX/XXXX My account was a target of Fraud. 
With that being said, they did follow threw with making the claim.But, On the date of XXXX/XXXX/2016 Bank of America did and unauthorized with draw from My account in the amount of $ -XXXX as well as $ -XXXX. 
for a total of XXXX. Dur-ring this time I was in the process of moving my funds to another bank because this was the 2nd time this has happen to my account. Bank of America could n't provide reason as to why this happened to my account. On top of all of this slapped me with an XXXX overdraft fee and the rest of the amount that was over drawn from the account. as you take a look at the amount you may see it had and small amount but it my small amount and it was taken from me with out an lettered statement telling me the process date the amount and a reason why. I had to wake up and text message an Email tell me my account has been overdrawn. Bank of America rep stated to me after ( we dont have to sent statement out to you it our account, ( " Yea, But its My money!! '' ) An I would like it all place back on my account. I would consider it stolen as we speak. ( NONE, of Bank of America starter account paper work stated " we dont have to sent statement out to you if we take money out your account. ) I only speak/s of and overdraft fee. with this in mind, I would like the rest of the funds, that was taken out My account sent to me in a check. Its Only right!
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VT)

On the month of XX/XX/2023, there were several fraudlent charges on my Citi Bank Credit Card, which I have informed my bank and the bank is not accepting my dispute, instead the bank is saying that I owe them money. I have reported the bank about all the disputes as soon as I have reveived my statment and they mentioned that they will remove all the charges and my balance was negative ( - {$20.00} ). And now they have put on all the charges back to my account. 

As I told my credit card company that I don't recognise the charges and I want to dispute all of them, still they are not helping me on this matter and they have sent a bill of {$3800.00}.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I called Chase bank on XXXX ( XXXX XXXX XXXX, XXXX ) on XXXX/XXXX/2015 and talked to the Branch Manager XXXX regarding converting checking/saving account into a trust account without closing the existing account because I have my direct deposits, auto pay all taken from this acct. He told me there should be no problems and come to the branch and the banker could assistance me with this. On XXXX/XXXX/2015, I went with my trust documents to setup the acct and was told by a rep that I had to close existing acct and had to reopen with new acct. I asked to talk to the manager who was not present there. I waited for 20 minutes and called Chase Customer Service regarding the policy and was told that I should be able to convert without closing the acct. The Customer Service rep requested to talk to the branch but the branch rep refused to talk to the Chase CS. Later the manager called the branch and requested to talk to me as I was on the phone with Customer Service. My husband explained to him about the situation and the manager denied my conversation regarding what he had told me on XXXX/XXXX/2015 and said if we are not satisfied with the service than go ahead and close the acct and take it to a different bank. I also have an account with XXXX XXXX XXXX and they were able to convert my checking/saving acct and put into a Trust acct without closing the existing acct. If both the banks are regulated by OCC and FDIC then why different policy. Please advise.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion is the only credit reporting agency reporting inaccurate information of the bureaus in this case. After disputing numerous accounts that are inaccurately being reported on my credit report, TransUnion failed to delete the inaccurate account and continue to refuse to provide me with acceptable proof of the documents used to unequivocally verify and determine the XXXX account ownership. As of now, TransUnion is in violation of federal law as the 30 days allotted have passed and the referenced account has not be sufficiently been verified. Under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to " ... promptly delete all information that can not be verified '' that has been disputed.
Consumer complaint received 2016-08-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

For over 60 days Pioneer Credit, XXXX, has been calling my cell phone asking for a person named XXXX. I am not XXXX. I am a man. I have repeatedly asked them not to call my cell phone and that I am not XXXX. They then have told me they are attempting to collect a date in XXXX XXXX 's name. I do not believe they are even allowed to tell me someone 's first & last name, are they? In addition, their phone calls have not ceased. I would like to file a formal complaint against this company. If I ever had a collection I would not want a company calling random people telling everyone I had a collection. Is n't this personal information and why wo n't they stop calling me?
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (FL)

This has been a repeat issue with XXXX XXXX the account there trying to have me pay on wasn't ever made by me the repeat phone calls at all hours and letter threatening to turn off my cable service now if not paid is on going threatening and there poor customer service skills aren't warranted at no time did I set up service at XXXX XXXX XXXX XXXX XXXX XXXX, Florida and when i asked them did the person give a proper I.D that's valid?? I've had service with this company for years and never before had customer service or experience this before and this needs additional attention not from me ... ... last message I left for them was XX/XX/2020 @ XXXX XXXX
Consumer complaint received 2016-03-25
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Big Picture Loans, LLC (GA)

Needed some extra XXXX money.I applied for a {$200.00} online to Castle payday.They wanted {$100.00} a month for 9 months.I refused to pay {$900.00} for a {$200.00} loan! 5min. later a lady calls me and said why did '' nt you want the loan? I told her I '' m not paying {$900.00} for a {$200.00} loan.She tells me she can cut my payments down 4 payments of $ XXXX.I said okay.What I later found out, she gave me the same deal I did '' nt want.I had to change my bank account so they could '' nt take out anymore money.Castle payday is nothing but a " rob you in plain sight '' company!! Nobody wants to deal with a company that lies to you and robs your bank account!!
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

This complaint presents a separate violation. I have submitted formal demand for Experian to block the XXXX collection records reported by XXXX XXXX XXXX. XXXX XXXX XXXX falsely reports that I have not contacted them directly and that I have not submitted all required documents to show proof of identity theft including the identity theft police report and other supporting documents. Experian has sent me notice that the XXXX records remain on my credit report and direct me to contact the creditor because they have no way to contact me. That is a blatant lie.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I disputed a Medical Collection that was on all XXXX Credit Bureaus from XXXX. XXXX  for {$1300.00}. The Debt was Never mine, I'm 100 % covered for Medical with the VA at any Local Hospital, Clinic, Doctor ETC. under Community Care Program. The billing was to go directly to, XXXX  XXXX XXXX XXXX GA!! The XXXX from XXXX XXXX XXXX goes all the way back to 2013, over 10 years. My recent Disputes filed on XXXX were Successful with XXXX XXXX XXXX, they have Removed the Collection, BUT Experian has not Removed the Collection and still updated it on XXXX!! I have requested for the Collection to be removed ASAP, with no results. As of today XXXX it has not been removed. My complaint is the XXXX from XXXX. XXXX  on behalf of XXXX XXXX XXXX be removed ASAP from Experian. Thanks XXXX XXXX XXXX
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NC)

Amount : $ XXXXThis letter is to inform you that the validity of this debt is disputed. I am unaware of this account and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). As we both know, I have the right to dispute this account, request for verification, and/or request for validation of this debt. 
This is the XXXX time that this company had listed a debt in my name and I believe they are playing a fraud game and I wish bring a suit against this corporation. I have previously disputed their entries, yt every 6-7 months, they re-appear attempting to collect money that is not rightfully theirs ; a debt that is not mine. 
Something must be done about this company. The internet is full of stories of this company sending out debt letters to people where the money does not belong to them or their identities have been stolen. 
I need to know how to I file a harassment claim against these unscrupulous collection agents! 
Am I going to be going through this for the rest of my life with this company? 
SOMETHING MUST BE DONE ABOUT THEM!
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Other fee — 
Company: Continental Finance Company, LLC (NY)

I had made a payment on my " VERVE '' credit card on XXXX for {$100.00}. This payment was made as it has been for months. Yesterday I received a call from the credit card indicating that my payment has not posted due to " incorrect or wrong account information ''. I called Verve ( continental finance ) and i was advised by the representive that their website had some work done. I asked why they wouldnt advise the payor that they should reenter their information. Instead they marked my account deliquent and assessed a {$25.00} fee.
Consumer complaint received 2016-04-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (SC)

My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. 
My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. 
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

my hunsband got laid off from his job that he bend have for XXXX something years.we had to let our car go back .son had to come back from collage.we coundnot afford my house payment.
Consumer complaint received 2017-02-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OH)

I opened a business savings account ( XXXX ) XXXX on XXXX. Under which time I was informed that there will be a 9 day business hold on all checks for the first 30 days. Subsequently, made another deposit and to sign up for online, I was told that there would be a 9 day hold on all check deposits for 60 days. Informed him that was unacceptable " as a business I need to have working capital '' states where there is a 60 day. Once last check cleared closed my account, he explains that there is a {$25.00} fee for early acct termination. Explained I was closing due to the 60 days window, states well that the policy for new accounts. Called to complain and with both of us on the phone I explain that there had been no disclosure stating 60 day hold. He looked through forms and stated that I was correct, but he was not willing to refund me the {$25.00} because I closed my account based on the information that I received from him. 
I would like the {$25.00} refunded to me - this is totally taking advantage of consumers, I can bet there are more out there.
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PENTAGON FEDERAL CREDIT UNION (NC)

Someone opened an account with PENFED Credit Union under my name last XXXX 2015. I found out about this this past XXXX. I have called PENFED 6 times, faxed them my police report 3 times and have yet to hear from them with any followup from the Fraud Dept. I am very concerned that there is no follow up or concern for resolution with this issue.
Consumer complaint received 2016-03-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Resurgent Capital Services L.P. (CA)

Re : XXXX XXXX XXXX, LVNV Funding LLC . 
Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort. 

I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed. 
My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me. 
Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever. 
I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response. 
XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this. 
I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNT -- 1. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (FL)

This is a continuation of complaint submitted last year XXXX XX/XX/XXXX XXXX Case No : XXXX. 
Lender is again sending threatening letters that they do not have a copy of my insurance policy when in fact they do have on file per conversation XX/XX/XXXX Letter states that must provide proof of insurance within 10 days. Informed lender again that property is fully insured and there is no HOA policy in effect.