davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NC)

B B & T of North Carolina allowed someone to open a Checking account in my name and social security fraudulently. When I started receiving overdraft notices in the mail, I could not reach anyone by phone at the local branch ( XXXX, NC ) or at the branch listed on the statements XXXX XXXX, NC XXXX for several days. When I finally got through to a person, they transferred me to someone with voicemail who did not call me back. I called the Corporate office in XXXX which transferred me to the local XXXX branch and the guy who answered the phone challenged my spouse as if security was of the utmost concern to them, although she clearly stated the issue, gave them her social, and mine also. When she called me to the phone, he began to question me and lecture my spouse as if 'she ' were the person who was in the wrong. After much persistence, I learned that they had allowed someone to open an account ONLINE with MY social security number and this person on the phone was attempting to tell my spouse that 'she ' could not speak to them about it if I was not present WHEN I was telling him to do so. He ignored my requests, ignored my instructions, and continued to act as if it were my spouse in the wrong. He stated they would 'mail ' a form ( as if it were of no consequence that fraud had been committed ) and THEN had the gall to hang up on us. We have no idea if the issue is being addressed and this bank has acted in a completely negligent fashion, not to mention treating concerned, and justifiably so, persons contemptuously. They need to be caused to answer as to how this has happened and we expect an appology and FULL disclosure of information as well as how they intend to remedy any damage caused by their lack of security.
Consumer complaint received 2021-06-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My Mortgage was sold to a new lender. New lender, Flag Star bank stated I must carry flood insurance for my property as it was in a SFHA. All FEMA maps indicated the home was in a low risk flood area. Lender purchased and force-placed a flood insurance policy for the XXXX year at the cost of approximately {$2700.00}. I have been forced to repay this money which resulted in a shortage in my escrow account. Due to COVID restrictions I was not able to have my land surveyed until XXXX. I paid {$400.00} out of pocket for a surveyor and finally I obtained a Letter of Map Amendment in XXXX of XXXX stating that my home is in Flood zone XXXX I submitted this document to the mortgage company and while I was told I no longer had to carry flood insurance I was also told that I would not be refunded the money I was having to pay back for the lender-placed flood policy. FEMA suggested I contact the insurance company directly and pursue reimbursement through cancellation code 19. When I contacted Flag Star to obtain the policy information for the policy they purchased for XXXX I was first given information for a policy that didnt exist. I was then given information for a policy from XXXX and told that I had to call a specific XXXX number and that I should not call the company directly. When I called the number I was given and stated that I, per FEMA, needed a refund based on cancellation code 19, I was told that I needed to speak to Flag Star directly and was transferred back to Flag Stars call center. The call center again told me that I was not entitled to any refund. I then contacted FEMA again who expressed concerns that it appeared I was being forced to retroactively pay for a flood policy that never existed. FEMA also stated that they had no evidence of any flood policy in existence for the property during the XXXX year. When I called Flag Star again and requested information on the supposed flood insurance policy I was told that the policy was through Flag Star and that if I called the insurance company about it directly they would have no record of it and wouldnt know anything about it. When I expressed confusion and concern over the fact that I appeared to be paying retroactively for a policy that had never existed and asked bluntly what I was paying for and where the money was going I was told that I was, paying into my escrow account. I have been dealing with this issue since the summer of XXXX. I have spent close to 40 hours total on the phone attempting to rectify this issue. I have asked to speak to supervisors and have never been allowed to speak to a supervisor directly. On multiple occasions I have been told that the issue was being escalated and have been promised that the problem would be resolved. During my most recent phone call with FEMA I was advised to file a complaint with the state department and told that it appeared the bank was fraudulently taking my money.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (TN)

Hi. I tried to open an account using a promo code offer. The requirements were to open a checking and savings account at the same time, have {$500.00} in direct deposits, and receive a bonus depending on how much is kept in the savings account. I used the code XXXX. Less than {$10000.00} in the savings account would give a bonus of {$300.00}. I did that and applied the bonus to my account when I opened it. I had an issue when I opened the account online and it only opened a checking account only not a checking and a savings account. I reached out to support who connected me with a local banker at a local branch. He assisted me with the savings account and confirmed that I would still qualify for the bonus. 

Now that its time for the bonus to be paid and credited to my account I did not receive it. I spent several weeks trying to get a response and kept being told they would look into it. General support finally referred me back to the branch banker who told me I would get the bonus. He spent a couple of weeks trying to get a response for me only to finally say that because the two accounts were not opened at the same time I would actually not qualify ( despite confirming several months ago that I did ) and that I would receive no bonus. He said today even though he told me via email in XXXX that I qualified that I actually did not.
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (MI)

I reached out to the company Midland funding after they took my tax refund. I didnt know about a debt I owed then after looking into it found that its not mine, I disclosed this to them numerous times since 2015 and still they have now decided to put negative marks on my credit report along with taking money they are not owed. But now that the debt is paid they still wont remove this off my report and wont tell me who it came from or what its from
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (UT)

Experian is reporting inaccurate information on my credit file. For the past 6 months I have been submitting dispute letters with no responds from them. Under the law they have 30 days to respond. Experian is reporting incorrect spellings of my name and incorrect social that is not mine. I have no idea where this came from, but social # XXXX Needs to be deleted off my credit file. I am attaching the proof you need to show what Experian is reporting as well as a copy of my social and ID.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (CT)

These inquiries don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft FACTUAL DATA Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

9. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

11. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

I am being charged two taxes on my escrow account for my home mortgage. Only one of the Tax accounts belongs to me, the other should be removed. 

I began calling about this issue in XX/XX/2021 and was told the issue would be taken care of by the tax department, I called back on XX/XX/2021 was told the issue was resolved and should appear corrected in my next statement. Called back in XX/XX/2021 and was told it was being escalated to call back on another date to confirm it was removed. Called again on XX/XX/XXXX extremely upset because it has still not been removed, was put on hold and the call was disconnected after 20 minutes! called back again was transferred to a young woman who seemed to understand the issue and told me she would personally follow up and make sure the issue was finally correct and she took down my information so she could call me back once the problem was resolved. Today on XXXX XXXX I have called again was on the line with a representative when he told me he would place me on a brief hold to discuss with another representative, again after 25 minutes the call was dropped again and I never received a callback. I called back an hour later and spoke to XXXX who again told me he would be opening up a ticket with the tax department because they are the only ones who can correct this issue and he would be contacting me once correct. 

I have been given the run around for over 5 months and it seems like AmeriHome can careless about correcting these issues.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (GA)

There is a debt from XXXX in the amount of {$2400.00} that I have to keep disputing and requesting validation on for the the past year or so. In XX/XX/2020 XXXX sold this debt to a company named XXXX XXXX ; who failed to validate the debt and was deleted from my report. Then XXXX decided to sell the {$2400.00} debt to XXXX XXXX XXXX in XX/XX/2020 ; and in turn they failed to validate the debt and was deleted from my reports the 2nd time. Now going on the third attempt ; XXXX has decided to sell this {$2400.00} debt to Source Receivables Management company in XXXX, NC. I have sent out a certified letter to this new company to validate this debt XXXX debt for {$2400.00}. 

I am tired of XXXX keep going from different collection companies ; trying to collect a debt they failed to validate twice already. I have asked them several times to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance ; including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

XXXX has violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file. Since they have failed so many times I am asking that they cease sending me collection letters from several different companies trying to collect a debt that does not belong to me and I have provided documentation stating this does not belong to me.
Consumer complaint received 2024-10-21
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

After three years of being told wrong information and getting the run around I've finally got somewhere with boa. Sadly, it was just a little bit of false hope. 
The boa specialist I was assigned XXXX actually talked to me on the phone. I'd have to call, leave a message, and 24 to 48 hrs I'd get a call during their posted business hours. Not only did the first call back a week after I messaged them came in, it was two hours after they were supposed to be closed.

So after three weeks of leaving messages I emailed them to which I got a reply to call them. 
After reapplying the disputes for the money stolen from my account several times, they have approved two of eight. Those two being the smallest amounts out of order in which I filed them. 
All others have been denied for a laundry list of reasons that I have proven to be false with evidence. 
I had no control of my XXXX  account or boa debit card account. I filed for fraud that neither sides would take serious due to lack of security question answers, email, or addressing I didn't setup. 
Boa has wrecked my life from this. I've lost everything and I'm struggling just to reclaim my identity back from this event.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (SC)

on XX/XX/21 I was notified by XXXX XXXX that a new charge appeared on my credit report. a charge of {$1000.00} was made. I contacted CITI Bank regarding the charge and I was told a balance transfer check was used for {$1000.00} plus a {$50.00} transaction fee. The account was closed a new card was issued and the case was turned over to the fraud department. As of XX/XX/21 I have never been contacted by CITI band regarding this issue. I have made several phone calls to CITI bank and requested to speak to someone in the fraud department regarding this matter. I was told that the fraud department did not have a direct extension to be transferred to. In the mean time i have been getting repeated phone calls/text messages/emails trying to collect the debt. I contacted CITI again and was told they are in the process of doing their investigation. On XXXX I contacted CITI again and got the same run around I requested that i be transferred to a supervisor in the fraud department. I was told that a fraud declaration form was mailed to my home on XX/XX/21 & XX/XX/21 none of which I received. I requested that the form be emailed to me so I could complete the form and return it Immediately I have yet to receive the form. When i got hole on XX/XX/21 there was a letter from Citi in my mail box stating the investigation was complete and that I failed to cooperate by not completing the fraud declaration form the letter also stated the findings will be report to the CRA. My concern is that CITI goes to extreme measure to contact me regarding a past due amount by any means possible why couldnt the same thing be done regarding the fraud issue.
Consumer complaint received 2021-06-28
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. (FL)

Collection account from XXXX XXXX  XXXX  should not be on my credit report. The account is in litigation. There is no evidence account was initiated for or applied for by me. Account Ownership is incorrect and fraudulent. 

Account Info : Account number XXXX Collection opened XX/XX/2020 Account type Collection XXXX XXXX XXXX
Consumer complaint received 2021-06-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (AZ)

Im disputing the PAST DUE AMOUNT- Experian report {$5500.00} but XXXX XXXX report {$5500.00} im disputing the inaccurate payment history : Auto now report my first payment was on XX/XX/XXXX, but Experian report I made a payment XX/XX/XXXX Im Disputing Missing notice of dispute on XX/XX/XXXX
Consumer complaint received 2021-06-29
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. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

I submitted a payment for {$2600.00} on a invoice amount of {$2500.00} on the XXXX of XX/XX/XXXX. The payment is due on XX/XX/XXXX and the loan servicer shows the payment in their system on XX/XX/XXXX. 
I began receiving calls from the Collection department on XX/XX/XXXX stating that i did not make a payment. The company then was able to see my payment and stated it was being returned, but was unable to tell me why. 
At this time I have been instructed that the payment is being refunded to me. The company is unable to tell me why. 
I have also been charged a late fee. 
At this time it is unclear where my payment is or how to rectify the issue. I am hesitant to send them more money as my bank shows they took the payment and have yet to return it.
Consumer complaint received 2021-06-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-06-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Volvo Car Financial Services U.S., LLC (CA)

Volvo is claiming that 3 of the tires on my car at lease turn-in are below tread. This is peculiar and improbable to me for the following reasons : ( 1 ) when dropping off the car no issue was identified ; ( 2 ) I dropped the car off on XX/XX/XXXX and Volvo has tried to charge me for additional months of lease and claimed I had not returned the car in a timely manner ( i.e. Volvo couldn't find the car at their own dealership ). Now that they have located their car, the inspection takes place at XX/XX/XXXX ( over a month later ) and I have no way to validate what wear and tear has occurred over the last month plus. 93 ) Of further concern, the odometer they note in their Lease Termination Inspection Report does not match the amount the dealer noted on XX/XX/XXXX. I have attached both reports. One odometer reading is XXXX and the Inspection Report cites XXXX. ( 3 ) I dropped the car off at the same dealership that has completed all the annual maintenance for the car, and never was low tread identified as an issue ( nor at the last schedule maintenance ) ; ( XXXX ) the XXXX XXXX tires have a 70,000 mile warranty down to tread of 2/32 '' in which there should be a rebate at a minimum. 

This position is very convenient for Volvo to make these claims at the detriment of consumers. I contacted Volvo to better understand and they were completely unhelpful in trying to resolve this matter.
Consumer complaint received 2021-06-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have been so stressed out dealing with Exxperian. Ive sent several letters to Experian requesting inaccurate account to be investigated and deleted from my report. Ive sent a letter out on XX/XX/21 and XX/XX/21 and have yet to recive any correspondence. This is damaging my life. By law the credit bureau has 30 days to respond and if they dont they must delete the accounts from my credit report. I am demanding these items to be deleted from my account immediately.
Consumer complaint received 2021-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

Have continually requested information concerning XXXX. XXXX XXXX regarding ssues with payment processing, unauthorized withdrawals in the amount of XXXX dollars and most importantly agreements to terms of loan as we never intiated, signed, or even aware of how loan ended up in the hands of this XXXX awful mortgage company, as we were initially doing business with XXXX XXXX. When You notify XXXX of their fraudulent behavior they make threats and negatively and fraudulenty report to creditors, causing great consumer harm. It is amazing that this company has been sued by multiple people as of recent and still allowed to do business.