davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
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: Southwest Credit Systems, L.P. (GA)

SOUTHWEST CREDIT SYSTEM Original creditor : XXXX {$660.00} Balance updated XX/XX/2020 Account Number XXXX Contact XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX I have disputed this item several times. I have never had an account with this company or XXXX. During the time of this account I was XXXX anyway so it is definitely fraud. I told them this and that I have no contract with them and they have never even verified the account as valid. So it needs to be removed and never attached to my name again.
Consumer complaint received 2019-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (IL)

We are filing this complaint against BMO Harris for reasons of negligence on their part while the fraudulent activity kept on going with our Home equity and another account for almost 1 year and now enormously distressed by their unfair business practices. We were never contacted to authenticate any such transaction, my signatures were never validated, not a single correspondence. A year later ( XXXX ) we received a letter from the bank notifying us of the overdraft and that we are required to make the payment. My husband, XXXX XXXX went to the bank the very nest morning and discovered that we apparently have a home equity line in the amount of {$610000.00} and a dormant joint account with apx. {$27000.00}. The bank manager was quite helpful ans was able to pull some information. It was discovered that starting XXXX someone somehow accessed our home equity line account and starting transferring money into our joint checking account and on monthly basis was sending money to different banks, one was particularly XXXX XXXX belonging to XXXX XXXX XXXX XXXX The entire year such large transactions kept moving out with fraud signature and received not a single notification. Upon discovering this, we immediately filed a police report, filed a complaint with FBI and FTC. This was all done to provide additional support and assistance to BMO Harris bank in investigating and closing the matter. The bank has been avoiding communication, lack of response. WE had one meeting with investigating team in XX/XX/2019 and other on XXXX, because we were being persistent. There is a matter of statue of limitations as well. The bank is unnecessarily causing delay. FBI has confirmed to the bank that there is no foul play by the client and there is a large racket out which is involved in such fraud activity. 
Now the bank is asking for our Identity Theft Protection information which is our insurance. We spoke with XXXX XXXX and they were socked as to how the bank can come after our our personal insurance. We have provided the BMO Harris all the contact information of XXXX XXXX and what they are trying to do is reduce their losses. Their exact words.
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TN)

XX/XX/XXXX, i received a statement for credit card that I never opened. I went to XXXX XXXX to check my credit and there was an inquiry for a credit inquiry ( and an open account ) on my credit report for a Chase- Amazon Rewards Credit Card that was not requested by me. I called Chase immediately to have it removed and it was and also contacted the FTC to submit a complaint. We also contacted XXXX to enable a 90 Fraud Alert and tried to file a report with my local police and were told to report it on an FBI website at https : //www.ic3.gov/complaint/default.aspx. A month ( TO THE DAY ) later in XX/XX/XXXX we receive a denial letter for the same card, meaning there was another  inquiry, because my Fraud Alert was ignored by Chase. So I contacted Chase and the FTC again to get the inquiry removed. There was no more activity until XX/XX/XXXX. I once again, contacted Chase. I have been placing Fraud Alerts on my credit every 90 to the day and it is n't stopping anyone at this point. I ca n't get the 7 year protection placed on my credit due to my lack of police report ( my police wo n't deal with it since it is an internet crime ). More recently, I have signed up for XXXX XXXX and they are helping me contact chase every time in order to remove the credit inquires. Since XX/XX/XXXX There have been XXXX more Chase Amazon Reward Card inquires : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX This has severely damaged my credit and made it incredibly difficult to start my life with my new wife. These fraudulant accounts and credit inquiries have made it difficult for me to financie my home and my new car.
Consumer complaint received 2017-04-28
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)

I have asked Equifax to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  XXXX   XXXX . I contacted  XXXX   XXXX   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to Equifax and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  XXXX   XXXX  and the letter from Equifax. How can Equifax say they verified the info and I have proof that the public record is not in  XXXX   XXXX  database.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MN)

I have had an account with US Bank but was never told that they put ch ecks through 24 h r/day. I asked for this policy in writing but they do n't have it in writing and never did. I had a check go through at  XXXX   XXXX , which I did not know was possible. I have had a number of overdrafts and have now realized its because the check went through in the middle of the night and I wake up with an overdraft posted, when I had looked at my account the eve before and it was positive. Ive asked what the business hours are at my bank and I 'm told they are  XXXX  to  XXXX . I assumed that that 's when business is conducted and not the middle of the night. Now I realize that checks can go thro ugh 24/7. No one told me that and it is not in any of the bank brocheres they have given me. It is not printed anywhere. I checked with the banker. This is deceptive practice.
Consumer complaint received 2022-11-15
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: I.C. System, Inc. (SC)

I am requesting to have IC System Collections {$70.00} and XXXX XXXX {$51.00} removed from my XXXX and XXXX Credit Report. I am not aware of these creditors. These accounts are not my account. These two accounts are affecting my credit score. I have written to bother agencies and didn't get a response from either account. Both may be medical. I repeat these are not my account.
Consumer complaint received 2017-06-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (MO)

I purchased a car from Santander, I had to move because of job related issues I could no longer afford the payments so I did a voluntary repossession. The company sold the car and then still tried to collect the full amount of the car from me. After I was told that all I would owe was any balance if any that was left after the car was sold. They are still trying to collect  over 15,000.00 from me  and the car was n't even that much to begin with.   this is the second complaint, they responded stating that they could n't find any information. I am providing the la st four number s of my ssn #  XXXX , I do n't have any vehicle information anymore because this has been almost 7 years ago.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc. (CA)

over due parking ticket for the city of  XXXX   XXXX  was paid in full to the city of  XXXX   XXXX  in  XXXX   2017  ( check mailed  XXXX   XXXX , cashed by city  XXXX   XXXX   ).      Despite this ticket being fully paid 3 months earlier, "   XXXX   XXXX   XXXX   XXXX   XXXX  '' intercepted funds from my CA state tax refund - notice issues  XXXX   XXXX   2017 .     This should not have happened.   Upon contacting   XXXX   XXXX   XXXX   XXXX   XXXX , I was informed that they will evaluate a refund upon receipt of proof of payment and debt notice, and that this will take bet ween 90-120 days / another 3-4 month s.
Consumer complaint received 2019-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northern Service Bureau, Escanaba Inc. (MI)

On XX/XX/XXXX, I received a phone call from a Mrs. XXXX at the Northern Service Bureau in XXXX, Michigan asking me to return her call. On XX/XX/XXXX I returned her call and spoke with XXXX. XXXX was not nice and proceed to tell me that legal action will be taken against me if I do not resolve these issues. I asked her if she was threatening me with legal action cause that is a violation of federal law. She replied with I didn't say that! I informed her I do collections for a living and it is a violation and if I did that I would be fired. She told me I owe over {$800.00} from the early XXXX and it needs to be paid. I told her my financial situation does not allow me to make payments at this time. She continued to argue with me on it. I did inform her to never call me again.
Consumer complaint received 2017-06-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On  XXXX   XXXX    XXXX   I received an updated escrow review from my company LoanCare. They increased my escrow requirement to {$670.00} from {$510.00} per month. This was caused by an incorrect calculation by their escrow department in assessing my property taxes for the year ( They computed them as {$7500.00} when they are actually approx {$5400.00}, information they have had since  XXXX    XXXX   when I sent them actual tax bills ) I called in within a few days to explain their miscalculation and was told it would be taken care of wi thin 15 bu siness days, as they would do another review. I then waited and called in for a status on  XXXX   XXXX . They stated they were unable to do a review because they did n't kno w what my taxes were. I did the leg work and contacted my county tax office and was told my taxes were the same as my last billed one. I the n resent in my tax bill and description of wha t the county tax  office had told me on  XXXX   XXXX , where I wa s again told 15 business days were necessary. I have attempted an update via phone or email with LoanCare after the 15 business days had  passed (  XXXX   XXXX  ) and have not gotten any response as to the escrow issue being fixed or even an update on progress. As such, I had to pay the extra incorrectly assessed escrow account on  XXXX   XXXX  for my monthly mortgage. Additionally, they seem to be ignoring my queries and continuing to keep my escrow at the incorrect level to force me to send them more money then is necessary, upon a mistake they made.
Consumer complaint received 2019-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY (MO)

I went to XXXX University and got one wellsfargo loan. When I left XXXX University they kept putting loans in my name even after I had withdrew. I dont believe these loans are mine but have been paying on them because they keep threatening to ruin my credit. They have been charging me late fees, aggressively calling me on the phone and mail and refuse to work with me. I told them that my husband had died but they did not care they still wanted their large payment. XXXX University says that I do owe for these loans, however XXXX is very corrupt. They fail students they do not like and refuse to pass XXXX students. I finally left because XXXX advisor told me that she was not going to pass me no matter what grade I got! 

Wellsfargo is using predatory practices for these student loans and I need HELP!
Consumer complaint received 2019-10-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HANCOCK WHITNEY BANK (LA)

I purchased a XXXX XXXX XXXX, on XX/XX/2019, and was in a car accident on XX/XX/2019, ( making my 1st payment not due until XX/XX/2019, which was after the accident ). My car was deemed a total loss in XXXX and although I technically wasn't responsible for any payments following the accident, I was told by my GAP insurance, to still make the payment so that my account doesn't default, and that I would get that payment back, because my account will reflect as being over paid after they pay off the loan. Hancock and XXXX XXXX came to an agreement early on, when the guarantee of title was discussed, so after that, it was beyond my control of what their policies and procedures were. I do know that it typically takes 30 days to resolve a total loss claim, and I had no desire in paying more than 1 payment for a vehicle that I barely had a month and could no longer use, especially for {$660.00}. I do believe that if I wasn't so hands on with my account, the claim would still be ongoing. I can show emails to support this as well. I have been calling Hancock every week, sometimes several days per week since the very beginning, up until sometime last week about this issue. I also went into a branch to see if someone could explain to me in person where my money had gone, and like everyone else, she couldn't even tell me. I made 1 payment in the amount of {$660.00} and I have yet to receive any of it back. The payoff amount before GAP made any payments because there were 2, was {$7000.00}, which I have several documents to support this. From what I can see, apparently, 1 of the payments from GAP were reversed and made into a regular payment instead of a curtailment like the other payment, and charged interest. By doing this, it ate up the payment I made out of pocket, and they kept it. When I saw the payments from GAP in my account, I called Hancock to discuss the overpayment at that time, and one of the reps told me to call back in a few days when my account has updated. When I tried to view my account prior to calling, I could log in, but it had been wiped clean. Luckily for me, I had printed it before they deleted everything! I have been stressed dealing with the aftermath of the accident alone, and now I am beyond stressed for what is actually mine! My credit has suffered as a result of this entire mess, and I am out of money that I did not have to pay and I'm hearing that I should not have paid if they knew my vehicle was totaled and I had GAP insurance in place! I spoke to 2 supervisors ( XXXX and XXXX ). I never received a call back from XXXX and XXXX has stopped responding.
Consumer complaint received 2019-10-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: GREAT LAKES (AZ)

XXXX XXXXfor the amount of XXXX I volunteer to have the car return I was notified by representative at XXXX XXXX that they no longer have the car anymore they recycle the car as in they resold the car so I am not responsible for that debt but yet it is still on my credit report I tried reaching out to XXXX XXXX to discuss I left voice mail and and sent email no reply. Need to be removed. Also I only attended one school and that was XXXX XXXX XXXX XXXX is stating that I attended another school for XXXX University I never attended any Universities only community colleges. And XXXX College I never took out any loans.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2017 I filed for chapter XXXX bankruptcy- all creditors were notified including XXXX XXXX  XXXX- prior to  filing bankruptcy all my accounts were current- I stopped making payments in XX/XX/2017, my complaint is XXXX XXXX - charged my credit card- even thou they were noticed by the court that i was under Bankruptcy protection once I filed. Now its shows on my credit report that I have a charge off.
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VT)

I currently have a mortgage with Specialized Loan Servicing. Recently my city tax bill came in and it was incorrect as there was an error on my XXXX taxes. I was to receive a credit from the State of VT which is sent directly to the City of XXXX  XXXX for our property taxes. Specialized Loan Services ( SLS ) had already paid our XX/XX/XXXX taxes but paid too much. They even sent me a check for {$1500.00} since I apparently an overage in my escrow account. This check was received at the end of XXXX. I started calling on XX/XX/XXXX to 1 ) send them a copy of the NEW tax bill and 2 ), request an escrow analysis be done since my property taxes were now paid thru XX/XX/XXXX. I've called each week since then, have been promised a resolution and call back and nothing. They give me an email address to send my tax bill to and then say it was not received. To speak with a supervisor is to wait another 4-5 days. My last call was on XX/XX/XXXX with XXXX - # XXXX who promised me a call back and never called. All I want to do it pay the CORRECT amount on my mortgage but they are asking me to pay more with erroneous monthly statements. I feel my rights are being violated and I now have payment to the city I live in for my taxes thru next year. Nothing is being resolved and I'm at a loss.
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX California State Controller, XXXX XXXX XXXX, sent letter dated XX/XX/XXXX, regarding unclaimed property of {$240.00} held by : Bank of America - Pre-Paid Card, XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Phone number : XXXX Type of property : AC01 Checking Accounts Amount Reported : {$240.00} Date Reported : XX/XX/XXXX XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX at XXXX to claim property. Rep could not verify my identity on phone said I would need to report to a branch and have the branch call on my behalf to verify my identity via CA DL with current address. Rep on phone gave me a reference number of # XXXX XX/XX/XXXX Went in person at XXXX to Bank of America branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Bank representative verified identity and called XXXX on my behalf to verify my via CA DL with current address. Rep on phone gave a second reference number of # XXXX. Told to wait 6 to 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Told to wait 8 weeks. 

XX/XX/XXXX Called Bank of America - Pre-Paid Card, XXXX XXXX XXXX  XXXX  at XXXX, to check on status of check. Spoke to rep XXXX who transferred me to California Pre-Paid Cards department ( EDD ) at XXXX. Told check would be mailed within 6-8 days. 

XX/XX/XXXX Called California Pre-Paid Cards department ( EDD ) at XXXX, spoke to rep XXXX who transferred me to rep XXXX, Post Escheatment at XXXX, who transferred me to rep XXXX. 
XXXX said the check had been cut on XX/XX/XXXX and sent to the previous address, not my current address. XXXX ( rep ) said I would have to change address with the state of California, once address had been changed with the state, then I should call the Pre Paid Cardholders department at XXXX to verify identity and ask for check to be reissued. 
This is the first time a rep has 1 ) told me a check was cut 2 ) the check was sent to the wrong address 3 ) I would need to change my address with the state of California. 

Still unresolved.
Consumer complaint received 2019-10-11
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. (NY)

A dispute was made to correct inaccurate information being reported by these four creditors yet all four comes back reporting more inaccurate derogatory information like the account status being derogatory when the status of an account is closed. The current payment status is in collections explain how this can be in collections when they sold the account they all have me in collections yet they do not own the account how can that be Explain how a closed account status read derogatory and not closed when in fact the statue of the accounts are closed. 

Explain how the current payment status can be in collections they sold the account how can they have a collection on me
Consumer complaint received 2019-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (TX)

I spoke to Regional Acceptance company on or around the XXXX of XX/XX/2019 and explained I had lost my job in XXXX and was having financial trouble, The woman offered me a 2 month deferment, and said it would be for XXXX and XXXX, I told her i had already sent in a partial payment for XXXX she said that would be credited for XXXX, and the remainder would be added to the bill after the two months of XXXX and XXXX where i would receive a bill XXXX instead of the XXXX. I told her that would be fine. I received a notice from credit monitoring that I had a new derogatory remark on my credit of 30 days late. I call regional acceptance today and they said I had no deferment and that I missed my XXXX payment. I asked for a supervisor, a supervisor then told me they had mailed me a letter that I had to sign and they never got it back, and that I was never given a deferment, that i had only made a request for one. The person i talked to in XXXX, never said i was applying for a deferment, or that any paperwork needed to be fill out, she plainly stated she was giving me a 2 month deferment, When I complained to the supervisor, he then only offered a one month deferment if I sign some papers and send it back and that he would not remove the 30 days late on payment from my credit.