davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Contacted Experian and XXXX  multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.
Consumer complaint received 2021-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (VA)

We have had mortgages for condos before and we have NEVER had the problems that we are having with this new loan through Suntrust/Truist Bank. I keep getting letters that they are going to purchase insurance for for us unless we submit proof of insurance. I do that and they send me another and another with dire warnings. First it is for unit and flood because there was some sort of mix up and they didn't get info at closing, ok. The next was for condominium master policy which is paid by the association and covered through our HOA dues. They want us to submit proof every year that the association has insurance or they will purchase a policy for us so that we would be double paying. What? Now they are telling us even though XXXX sends them the bill every year, we have to contact Suntrust and tell them that we are renewing with XXXX for flood and wall to wall or they will automatically purchase their preferred insurance for us. In essence, we have to contact them XXXX times over the course of a 30 yr loan. They can not put it in their system to automatically pay XXXX every year unless we tell them otherwise. This is a scam.
Consumer complaint received 2021-02-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (TX)

There was an issue the resulted in a return payment. The creditor conatacted me at XXXX XXXX on XX/XX/2021 ( Before XXXX XXXX XXXX. I informed them that there was a bank error to resulted in the issue and then I would make a payment online on XX/XX/2021 once it was resolved. 
The creditor called multiple times on Tuesday XX/XX/2021, and then repeatley harrased me by calling my over 6 times in one day XXXX XXXX/XXXX/201 XXXX.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Experian has not tried to fix the issue regarding my report. They have tried to delay the process as much as possible. I have provided them with the documents asked now they say its still not me so now i have taken it a set further and added the last 2 credit reports along with my ID and social security card. I have also mailed them light bills. 

Now i have the Credit Report from there website Now i have the Florida Issued ID Now I have MY social Security Card Now I have provide my consent to review my report All in this complaint, lets see what the issue is now. I have provided the things asked can you please remove the items off my report. I have added the https : //www.ftc.gov/sites/default/files/documents/reports/section-611e-fair-credit-reporting-act-federal-trade-commission-program-referring-consumer/p044807fcracmpt.pdf. I have attached the 611 statueTo the documents attached just in case we are not clear on the law. Everything has been provided to you can you please remove the items ...
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (CO)

I have a Bluebird American Express prepaid debit card. An unauthorized party was able to steal my debit card information and withdraw funds from my account via ATMs without the access of the real card. A total of {$2000.00} was withdrawn without my permission from XX/XX/XXXX to XX/XX/XXXX. I discovered these withdrawals on XX/XX/XXXX and called the customer service number on the back of the card on the same day. The representative froze my account and opened a dispute for the seven unauthorized withdrawals totaling {$2000.00}. 

I asked if I should notified the police department and the representative said their side will perform an internal investigation, so notifying the police is not necessary. I submitted the declaration of fraud to the link they sent me on XX/XX/XXXX. 
I received an email notifying me that the dispute was declined on XX/XX/XXXX. I called their fraud department after I received the notice and asked about the decision. The fraud department representative said they cant offer any information relating to the investigation over the phone and told me to write to them. The representative offered to open my dispute again, and I accepted the offer. I asked if filing a police report will strengthen my case, and she said it wont affect my case. The dispute was reopened on XX/XX/XXXX, and the declaration of fraud was resubmitted to them on XX/XX/XXXX. The dispute was declined again on XX/XX/XXXX. 

For my third attempt, I filed a police report with the XXXX Police Department on XX/XX/XXXX, and reopened my dispute on the same day. The declaration of fraud was resubmitted on XX/XX/XXXX. I mailed a letter to American Express requesting the reason for the earlier denial on XX/XX/XXXX, and they havent responded back. The third attempt at the dispute was declined on XX/XX/XXXX. 

American Express has been reluctant to provide information on their decision on my case throughout this whole endeavor. As a customer, I had provided them with all the requested information within the requested time frame, and my disputes were still declined. The fraud department representative can only reopen my case, but can not provide any assistance or information on the investigation. A stranger was able to duplicate my card and steal my money, and American Express refuses to take any responsibilities. I feel helpless as a consumer because I dont know what else I can give to American Express to convince them that money was stolen from me and fraud was committed. Please help.
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates (OH)

on XXXX XXXX, I received a notification that a negative item was reported on my credit report. The collection company placed an {$84.00} debit for collection representing XXXX XXXX. This debit was discharged in a Chapter XXXX BK in XX/XX/2020. I contacted this company and they told me that they would not remove it as it is a new debit even as they purchased it from the original creditor that was discharged. I have provided the documentation showing the discharge and the original creditor. They said they would review. Contacted them on XX/XX/XXXX to get the status and was told that they are not sure what happened and are not sure if they can remove it. Even as the BK Attny and Trustee sent over documentation proving the debt is not valid.
Consumer complaint received 2024-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I made a withdrawal from a Bank of America ATM. Two men appeared, one behind me the other to the side. The one behind me dropped some money on the ground. In my attempt to help him the other guy took my ATM card either out of the machine or quickly out of my hand. It was so fast and confusing I lost track. I didn't know know until the following day that they had my card. After I left the ATM the withdrew {$360.00} dollars from the ATM. They then went into the bank and made two withdrawls, one for {$3500.00} and the other for {$4400.00}. The bank teller never asked them for ID. The bank manager said as long as they used my debit card ID number they don't ask for ID. The next day the bank notified me of a low fund balance. I went in and deleted the Debit card and got a new one. I went to another B of A and made a cash deposit of {$2000.00} and believe it or not they asked me for ID to make a deposit. I filed a complaint with the Bank and they said they would mail me a copy of the complaint but they never did.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION (TX)

I have a Regions Bank CC, but I had not used it in over a year until a recent charge. When I was actively using the card, I always received an email notification of a pending bill/statement ready for review. I often received a bill via US Mail as well. I did not sign up for 'paperless ' service ; but the company stopped sending me bills. They continue to send me promotional items regularly, however, and I have received several letters from them in the US Mail AND in emails this year. 

Recently, I was surprised to receive an email informing me that I had missed a payment that resulted from a newspaper subscription renewal, which I originally signed up for in XXXX XXXX ( my last 'intentional charge ' on the card ). Prior to receiving the notice that my bill was past due and that the amount due now included a {$25.00} late fee, I did not receive any email or other notification that a bill was pending. Upon learning of the charges, I immediately paid the full amount of the subscription service ( {$54.00} ) and then requested that - in light of the Bank 's failure to notify me of a bill, as well as the nature of the charge - the Bank removed the late penalty. So far, the Bank has refused. 

I sent my request via the Bank 's internal 'secure email system ', although difficulties with the system have been a great impediment to communicating with the Bank XXXX In a 'regular email ' ( sent thru my XXXX address ) to me on XXXX XXXX, the Bank acknowledged problems with the system, writing " Our programmers are working to fix the problem. We do not have a set date for these updates. Im sorry for any inconvenience this issue may cause you in the meantime. '' In the same email, the Bank wrote that " Security is very important to Regions. That is why we can not provide any account sensitive information through normal email. We can not vouch for the security of individual email providers. '' Further, in another email, the Bank wrote that they " can only refund late fees if the Bank is in error ''. 

I have explained to the Bank the error that was made on their part, and expressed my disappointment in their refusal to remove the late fee, as well as their dishonesty regarding their ability to remove the fee ( ie they obviously CAN, but are CHOOSING not to ). The bank has not responded to my email in any substantive way except to say that there is a 'message waiting for me in their notification center '. I am not inclined to spend anymore time searching for this on a website that doesn't work properly, I can see that the {$25.00} fee remains. This is the sum of my balance, and - for obvious reasons - I now wish to close the account and cease doing business with the Bank. 

Thank you for your assistance in helping me to close this account and settle this matter.
Consumer complaint received 2021-02-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

XXXX XXXX  ( DBAMr Cooper ) is not responsive to basic questions. Their messaging system does not permit copying,, so the only way to document the correspondence is using a screen print. I requested copies of correspondence from them, but like other questions asked, they respond with a message that says they will contact me, but never do. I am waiting for an explanation as to why they would not process my payoff check. I ended up issuing a stop payment and paid the balance off in smaller amounts to bypass their certified check requirement. I am also waiting to see if they will process my tax payment or return my escrow balance. I also asked them to rescind the letter they send me informing me that they will be assessing an insurance premium. See attached documentation for dates.
Consumer complaint received 2021-02-05
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. (FL)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2021-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (IL)

I tried to close my bank account with chase bank. I initially tried to do it via customer service, but was told I had to speak to someone at the branch. 

Seeing that They offer remote services through their website to schedule an appointment for service due to covid-19 concerns, i scheduled my appointment. 

Upon requesting to cancel my account, i was told it was the " only '' service they don't offer over the phone. If I wanted to cancel i had to come in person. This was XX/XX/2020 at XXXX. 

When I attempted to go to the branch to cancel in person, they seemed willing to help, until I mentioned I wanted to cancel an account. Then it was by " appointment only '' with no appointments available without me taking time off work. 

Meanwhile, despite making it imposible for me to cancel my account, they will still charge me fees for it. 

By making the process so onerous they guarantee that I'll continue paying them fees.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I received a letter from XXXX XXXX after their investigation on my account they said the account was forgiven and the account would be removed from my report. 

Nothing has been removed so im sending you the letter they sent me
Consumer complaint received 2021-02-05
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (CA)

I am the daughter of someone owing a debt. These people are harassing me from comenity bank. This is not my debt and these phone calls need to cease. It is illegal to obtain information of a relative as I am not listed on her information. Yesterday I received an abusive call threatening my mother from a blocked number she better pay up I believe this is either comenity or XXXX XXXX. I will also be reporting this to the XXXX. Stop allowing debt collectors to call relatives I used to collect debts myself and never disrespected people like this or called family. 

Here is one number : XXXX ( XXXX XXXX XXXX
Consumer complaint received 2021-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Today i went to the XXXX XXXX police station so that officer XXXX could sign my Identity theft victims complaint and affidavit to support my identity theft report. Please see attached supporting documents. I have included my ID and utility bill for verification
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commercial Acceptance Company (PA)

On XX/XX/3020 XXXX XXXX XXXX XXXX ( XXXX ) submitted my account for collection to Commercial Acceptance Company ( CAC ) for the amount of {$83.00}. I am not aware of any unpaid bills nor was notified by XXXX of an attempt to collect this amount prior to submission to collection agency. 
Email was sent to my primary care office of the above including copy of the CAC letter last XX/XX/2020. No response was given. 

I have sent a certified letter to CAC last XX/XX/2020 and have not received a response regarding verification of same amount.
Consumer complaint received 2021-02-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (CA)

My identity was used fraudulently to open a personal loan on XX/XX/2018 with GOLDMAN SACHS BANK USA account # XXXX balance {$11000.00} This account is fraud.
Consumer complaint received 2021-02-04
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 submitted to Equifax 6 disputes on XX/XX/XXXX ( this is the second time ). I paid all of my 5 credit card balances to {$0.00} on XX/XX/XXXX and currently have less than 30 % of credit debt ration. My credit limits in total are {$5100.00}. I have total balances of only on 2 of my 5 credit cards of {$510.00}. Equifax not only has not shown the current balances, they have reapplied past balances from before XX/XX/XXXX as of today XX/XX/XXXX. I've contacted all the credit card companies, they are showing my correct low balances. XXXX  shows my score at XXXX. XXXX  shows XXXX. Equifax is showing 65 % usage with a XXXX score today. Yesterday it showed XXXX for about 2 weeks still awaiting 1 of my cards to show the XXXX  balance it has currently. I would've gone up from XXXX. I called Equifax. They say their system was down today so they can not check yet my score dropped 39 points. We are trying to shop for a first home purchase and this is not helping. Please help.
Consumer complaint received 2021-02-05
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: EQUIFAX, INC. (NJ)

I've been trying to remove fraudulent accounts from my credit report. The process seems simple enough for me to request an investigation and per LAW, the bureaus have 30 days to finish their investigations and remove accounts found to be fraud. Unfortunately, that's all on paper. Reality seems to be quite different since I'm going into over 200 days and the bureaus have not only not removed fraud accounts from my report, they haven't even started their investigations since I have received no such updates. This seems odd since USPS tracking shows the bureaus have indeed received my multiple sets of letters and have yet to do anything. This is my final option before I turn to the legal system and sue for compensations.
Consumer complaint received 2021-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (ND)

I have tried numerous times to talk to someone at Ally Financial about an auto debt that I paid off last year, on XX/XX/2020. If and when I actually get to talk to someone about my account, they say they cant help me. It was sent to a collections agency XXXX XXXX XXXX XXXX. I had set up payments with them on behalf of Ally Financial to resolve this debt and it was paid in full. XXXX XXXX XXXX said they notified Ally that the debt was taken care of. Ally will not only update with the credit Bureaus that the account was settled and that there is a XXXX  balance. They are alleging I now owe another {$10000.00} 's. Which is the amount that was already paid. My credit score is dropping so far down, because they refuse to change my status. One of there representatives told me to file disputes, which I have done numerous times with no resolve. I have documents, and receipts with proof of payments made. I am not sure what else to do at this point. This derogatory remark is ruining me and my families ability to apply for any type of loans. During these difficult times.
Consumer complaint received 2021-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

Credit Collection Services/XXXX has reported my account to collections as derogatory. This report was made to all 3 credit bureaus while I was actively paying according to the payment plan arranged. The account has been paid in full and is still being reported as derogatory.