davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (AR)

I bought a my vanilla prepaid Visa card at the XXXX  XXXX. I added {$80.00} to the card at the XXXX  XXXX  register when I bought the card. When I tried to register the the card online it wouldn't let my information go through and wouldnt activate my card it gave me I error message in red at the top of the screen saying to contact customer support. When I called the number that was provided for customer support it said they are experiencing extreme call wait times and I was placed on hold for over a hour. I have tried several times to call them back and they still havent answered their customer care line. I am extremely upset at this company for not allowing me to activate my card. The card is distributed and serviced by InComm Financial Services , Inc. And the phone number for then customer care center is XXXX
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C. (AL)

I have talked to them and told them this was not my debt. I have disputed it with credit bureau. The whole account is fraud and mixed up with another person that stole my identity. I sent the police report to credit bureau as well
Consumer complaint received 2022-01-19
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: JPMORGAN CHASE & CO. (CA)

We were overcharged by XXXX XXXX XXXX, XXXX. The disputed amount was {$160.00}. I disputed this overcharge with JP Morgan Chase Bank and sent in all the corresponding documentation corroborating my overcharge. Chase claimed the overcharge was valid based on information provided by XXXX. The XXXX XXXX XXXX did NOT clarify any overcharges nor did Chase. I believe Chase did not investigate the case as they never provided any explanation as to why the charge was valid. There was no response from Chase aside from what appears to be a canned letter that they routinely send out.
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

To Whom this may concern, While reviewing my credit report on XX/XX/2020, I noticed an incorrect and fraudulent collection account from Phoenix Financial. I reached out to this institution via phone # XXXX XXXX XXXX XXXX twice on XX/XX/2020. The original rep I spoke with was combative, used vulgarity and refused to disclose my account # which resulted to him hanging up in my face. In addition, Rep violated HIPPA by disclosing sensitive information prior to authenticating account fully! I called back a second time and spoke with Supervisor XXXX XXXX and was able to obtain account number. I advised her I do not have an account with Phoenix Financial and do not agree to debt. I advised I have no knowledge of this account nor have I done any business with this company. I explained that I do not have a signed and dated agreement from Phoenix Financial. I  am requesting you to provide validation for this debt. In addition, under the FDCPA, you are also to cease and desist from contacting me regarding this matter unless it is by the United States Mail. This Agency has called my phone numerous times harassing me for an account that I do not owe. I advised supervisor I do not agree to debt and will be filing a complaint due to harassment and the lack of professionalism.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NY)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is an update to existing CFPB complaints XXXX, XXXX. 

I spoke to the credit card customer service department of Bank of America. 

They indicated that my account had a feature called " Auto Debit '' is active. This " Auto Debit '' system is supposed to pay any statement balance pending on the due date. 

My XXXX statement balance was {$3900.00} Payment due date : XX/XX/2020. 
I had paid {$3600.00} as of XX/XX/2020. 
I made a payment of {$370.00} on XX/XX/2020. 

As per the credit card statement, following are the wordings " AUTO PAY ACTIVE - Your payment of {$3900.00} will be automatically deducted on XX/XX/2020. '' I called the credit card customer service department to dispute the {$940.00} payment that showed up in credit card account. Since there was no trace of any deduction from my checking account. 

They denied knowledge of which account money was coming from and closed my credit card and ordered a new card. This is a flaw. The customer support specialist is unaware of the way banking works or pretended to have no knowledge. 

Today, when the credit card department transaction overdrew my checking account, customer service representative said they will charge an " insufficient fund fees ''. 

I disagreed and talked to the manager. The manager agreed to the fact that they will not charge any insufficient fund fees.

However, the manager was non-committal about the flawed logic used by " Auto Debit '' to try and deduct any amount beyond what is owed as per the XXXX credit card balance statement the was due on XXXX XXXX. 

The manager said they would remove the auto debit from my account.

But I am concerned about this predatory logic that could effect thousands of other credit card customers like me. The bank must abandon such practice and only deduct the difference between statement balance and amount paid already. 

I have file a police report with XXXX, California police department Report number XXXX.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I asked for legitimate documents to prove the appearance of these items in the credit report. 

XXXX - XXXX, XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (PA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I am trying to get a mortgage loan to purchase a house but the mortgage company is unable to obtain a copy of my credit report from Equifax. 
I have called Equifax several times and they said they don't know why the mortgage company is having trouble accessing my credit report. 
I can't move forward with my mortgage application unless they get a copy of my Equifax credit report.
Consumer complaint received 2020-04-20
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. (VA)

A judgement was filed against me in XXXX XXXX, Virginia by an attorney XXXX, XXXX XXXX XXXX in Maryland on behalf of XXXX XXXX XXXX. THIS JUDGEMENT DOES NOT BELONG TO ME!! 

The judgement shows up on my TransUnion credit report. in the amount of {$11000.00}. THIS JUDGEMENT HAS BEEN ON MY CREDIT REPORT SINCE 2018. I DID NOT KNOW IT WAS THERE UNTIL APPLYING FOR A MORTGAGE. IT IS POSSIBLE THIS JUDGEMENT PREVENTED ME FROM OBTAINING OTHER CREDIT AND A GOOD DISCOUNT ON CAR INSURANCE. MY EMPLOYER MAY HAVE SEEN THIS JUDGEMENT. 
I HAVE PERFECT CREDIT AND HAVE NEVER HAD A JUDGEMENT OR ANY OTHER TYPE OF NEGATIVE CREDIT IN MY ADULT LIFE. 

After obtaining the details of the JUDGEMENT with XXXX XXXX Government IT WAS CONFIRMED THAT THIS IS NOT MY DEBT ... and I am not the DEBTOR CONFIRMED AND IDENTIFIED by my official birthdate and legal name. IT WAS STATED THAT I WAS SERVED WITH A WARRANT AND REQUIRED TO APPEAR IN COURT!!! THIS NEVER HAPPENED!! I HAD ABSOLUTELY NO KNOWLEDGE OF THIS UNTIL VIEWING THE CIVIL CASE DETAILS WITH XXXX XXXX GOVERNMENT!!! 

I HAVE TRIED TIRELESSLY TO REACH THE LAW FIRM OF XXXX, XXXX XXXX  XXXX TO RETRACT THIS JUDGEMENT WITH NO REPLY. THIS LAWFIRM ERRONOUSLY FILED THIS JUDGEMENT WITHOUT VERIFYING PERSONAL DETAILS OF THE DEBTOR.
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XXXX $ withdrawal from a non Wells Fargo ATM in XXXX XXXX Ca on XX/XX/2021. Posted to my account on XX/XX/2021. I contacted Wells Fargo on the early morning of XX/XX/2021 to report the fraudulent withdrawal. Wells Fargo waited till XX/XX/2021 to do any investigation about the the withdrawal. On XX/XX/2021 during that phone call they determined the withdrawal wasn't fraudulent because there was no inaccurate pin punched in and the chip was read. The bank has stated during several subsequent calls to the claims department that there is no way to replicate a chip on an ATM card. Today XX/XX/2021 I was transferred to the Wells Fargo executive office and spoke with an XXXX XXXX. XXXX told me he couldn't do anything to help me because the claims department told him the claim would not be reopened for further investigation. XXXX hung up on me. 
I am filing a complaint because I was not in XXXX XXXX and neither was my card. Fraud has been committed by someone, somehow and Wells Fargo has no concern for the safety of my account or my money. I am essentially being called a liar. 
I have made several attempts to rectify this incident with Wells Fargo. After my phone call today where XXXX stated he was sorry for " all of this '', I am feeling traumatized and victimized by the person who took my money and by Wells Fargo for further victimizing me by not believing me. 
I am willing to submit any documentation that I have. I am also willing to testify against them sworn in under oath. I am extremely offended by their accusation that I am going through all of this headache to take XXXX $ from them. 
I feel that Wells Fargo has acted against my best interests as their costumer and for your agency to please investigate them in this matter. 
I have attached two transaction that I physically used my card and the fraudulent ATM withdrawal.
Consumer complaint received 2023-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (NY)

Rushmore Loan Management Services XXXX XXXX XXXX XXXX XXXX, CA XXXX www.rushmorelm.com XXXX Mortgage payment for XXXX has not come out XXXX payment was not taken out as an automatic debit from my checking. When I try to contact the company via phone they do not acknowledge there is an account under the mortgage number or social security numbers. Can not contact a live person either. I am assuming that the loan was sold to another company. We have not received any notification regarding this. I need to know what is happening. The mortgage payment is going to be late, do to no fault of my son or mine.
Consumer complaint received 2024-10-25
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NV)

I have a solar loan from Dividend Financial, a division of Fifth Third Bank. On XX/XX/XXXX, I contacted Dividend Financial to make my Incentive Investment Payment of {$20000.00} to maintain my monthly payment of XXXX. However, I was charged {$22000.00} to keep my payment at the current amount. That was an additional {$2100.00} charge. Below is what my loan document stated. 

Amount of Payments ( assuming Full IIP Payment is made ) Pre-Incentive Monthly Payments {$420.00} beginning XX/XX/XXXX Incentive Investment Payment {$20000.00} paid on or before XX/XX/XXXX Post-Incentive Monthly Payments {$420.00} As part of your signed loan agreement, you are encouraged to make the Incentive Investment payment {$20000.00} by XX/XX/XXXX in order to keep your monthly payments low. This amount is based on the federal Residential Renewable Energy Tax Credit ( RRETC )
Consumer complaint received 2024-09-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NM)

I had many fraudulent charged in XXXX and XX/XX/2019. Imagine 55 per day for the same amount of {$96.00} and this went on for days. Their security department didn't pick it up. I reported this in XXXX but every month they continue to post these charges on my account. I have to call them every month to ask what my payment should be. 
On y last statement they charged me interest on the unpaid fraudulent charges. I started trying to call, Fist call on hold for 42 minutes, the disconnected. Startyed sending emails to the fraud department. No response for 6 days. Called agin and disconnected after a 58 minute hold! 
Finally after contacting the parent company I got to talk to a human being but? 
Incredibly horrible customer service. Unbelievable. No one is concerned. How do these people continue in business. 
Costco Citi card.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (AL)

In accordance with the Fair Credit Act this Creditor has violated my rights under 15 USC 1681 Section 602 States. I have a right to privacy 15 USC 1681 Section 604A Section 2 states a consumer Agency can not furnish an account without written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also violating FCRA Laws, with reporting the account as a charge off without providing me with a 1099C. This is a IRS violation. Reporting fraudulent to the IRS as if they provided me with a 1099C form.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

This is the letter I sent to Syncrony bankXXXX My name is ... .... and I need to bring up to your attention a consumer issue that I struggle with. 
In XX/XX/XXXX my ex-husband ... ... ... ... ... bought a XXXX XXXX XXXX  and I ( ... ... ... ... ... ) had to co-sign the contract ; he used to pay the monthly bills in time ; I never took care of it, never used the credit card ; Last year on XX/XX/XXXX we got divorced and the Final Judgement of Divorce stipulates that he is responsible for monthly payments on XXXX XXXX/Syncrony bank credit till is paid off. With that occasion my last name has been changed to ... ; He continued to pay it monthly, until on XX/XX/XXXX when he passed away ; On XX/XX/XXXX the attorney of estate contacted XXXX  XXXX/Syncron bank to notify them about .... ; later on, the attorney of estate informed me that I have to contact XXXX XXXX/Syncrony bank ; On XX/XX/XXXX, I called XXXX XXXXSyncrony bank and explained my situation the divorce agreement, the fact that I live in a different place, I cant afford to pay anything ( I barely pay my rent ), the bed remained in the house where he lived, I dont use it etc ; they said that Im responsible for the balance of the contract On XX/XX/XXXX, I called again Syncrony bank and I was informed that my name has been removed from the contract and should I not be worry about it ; all conversations are recorded so, it must have been a prove of what the representative told me ; After a while, couple weeks, I started to receive alerts thru Credit wise, saying that Im in default with XXXX  XXXX/Syncrony bank payments ; at the end, my credit score dropped off from XXXX to XXXX ; Thats being said I ask for your help - Im not able to pay any money towards the bed, my monthly income is {$2300.00}, I will have hard time to rebuild my credit, because of this huge burden. Also, I have to help my daughter who is in college in ... ... and to cover our monthly expenses. 
I enclose a copy of Final Judgement of divorce and a copy of the invoice that I received by mail on XX/XX/XXXX. 
Thank you so much for your consideration, Best regards, ... ... 

The amount credited in XXXX, XXXX by Syncrony bank was {$8000.00}. On XX/XX/XXXX the amount due was {$2200.00} ; now the amount is {$2300.00} including late fees and interest. 
Thank you for your consideration! 

Sincerely,
Consumer complaint received 2020-04-20
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: NAVY FEDERAL CREDIT UNION (TX)

In XX/XX/XXXX I received two unsolicited Navy Federal Credit Union Visa credit cards. I have never at any time had contact with Navy Federal Credit Union for any reason. 

In XX/XX/XXXX I received a letter indicating that a checking account and a savings account had also been opened in my name. I called Navy Federal, filed a fraud report ( attached ) and was told that the issue would be resolved and the accounts removed from my credit report. Navy Federal informed me that nothing had ever been charged to the credit cards, a nd no checks had been written on the checking account. 

In XXXX of XXXX I checked my credit report and the credit card was still showing, with a balance of roughly {$12.00}, and a note that payment was over 30 days late. It had a very deleterious effect on my credit score. I called Navy Federal again and tried to work through this issue again. It seems that Navy Federal had charged the {$10.00} to the credit card account to expedite shipment of the credit cards I never applied for to me. 

Today, XX/XX/XXXX, I received two collections letters from Navy Federal dated XX/XX/XXXX and XX/XX/XXXX. One informed me that this fraudulent account was now 60 days past due and that it was an attempt to collect {$12.00}. The other informed me that because I had failed this debt I never contracted or incurred, my credit card interest rate was being escalated. 

Navy Federal has, since XXXX, been supposed to provide me with documentation that this issue has been resolved. Other than these fraudulent dunning notices, I have received no communication from them at all. I have requested copies of all communications, internal and external relating to me and these fraudulent accounts, and been given nothing at all. I requested that all record of me be removed from Navy Federal 's system, including name address, and all identifying numbers and been stonewalled on this as well.

Navy Federal has behaved recklessly in allowing these accounts to be created without verifying the identity of the person requesting them. They behaved incompetently in  addressing what is a purely internal problem. I have been treated from beginning to end as if I were the problem and it is clear that their business convenience is far more important than redressing injuries their carelessness causes innocent parties.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 2 accounts with Bank of America that were hacked into. {$980.00} was robbed from my checking account and {$2400.00} was robbed from my savings account. Both were fraudulent XXXX transfers to a XXXX XXXX. Bank of America had no business tranferring such large sums of money to such a dubious account. When I tried to resolve the problem with Bank of America typical hold times are 2 hours, and their initial response was to decline my claim. {$3400.00} is a huge amount of money for me as my only source of income is social security and a part-time job XXXX XXXX.
Consumer complaint received 2020-04-20
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. (GA)

I recently checked my credit report bc I was trying to purchase a new car and noticed several accounts that did not belong to me on my Credit report. I immediately filed a police report and wrote the credit bureaus about the fraudulent information but with no luck. I reached out to the companies as well but with no real resolution. I am listing below the accounts, amounts, and dates. 

Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$3000.00} Account : XXXX Date : XX/XX/XXXX Amount : {$2200.00} Account : XXXX XXXX Date : XX/XX/XXXX Amount : {$8100.00} Account : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Amount : {$1400.00}