davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION (MD)

On XX/XX/XXXX I reached out to my mortgage company to find out what the numbers would be if I refinanced, they transferred me to the refinance department which is handled by Amerisave I was speaking with XXXX XXXX with Amerisave Mortgage Corp XXXXXXXX ID # XXXX, Mortgage Banker XXXX ID # XXXX, after he gave the numbers, I said I wasn't interested, we ended the conversation and hung up, shortly after I received an email : XXXX XX/XX/XXXX, XXXX ( 6 days ago ) to me XXXX XXXX XXXX Thanks for your mortgage application. Expect a credit decision and rate/closing cost quote soon. The attachment provided details your credit score and how its calculated. As you have not given consent to receive disclosures electronically, a copy of your credit report notice will also be mailed to you. If you have any questions regarding your credit score please contact us. Warmest Regards, XXXX XXXX Mortgage Banker XXXX XXXX # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX East XXXX XXXX, XXXX XXXX XXXX AZ XXXX XXXX Desk Fax XXXX Visit my personalized webpage : XXXX XXXX XXXX  I didn't think anything of it until today I received settlement papers. I called him and he hung up on me, I called my mortgage company and they transferred me to the refinance department which they apparently partner with Amerisave and I spoke with a XXXX, I explained to her that I want to speak with a supervisor regarding this issue, she stated she has sent a message to the supervisor and he'll be reaching out to me. At this point I am very uncomfortable with these people after this incident. I told him that I was not interested and we had ended the conversation with him telling me it's too early to refinance, then why the email and why am I receiving settlement papers?
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

I had been a loyal member of USAA for several years, relying on their services for both my checking and credit card accounts. Last XXXX, I sold my house and deposited the proceeds into my USAA checking account. I then used some of this money for investments, including transfers to legally operating cryptocurrency firms within the US such as XXXX, XXXX, and XXXX. All transactions were conducted with US-based banking institutions, and at no point did any money leave the US banking system. 

On XX/XX/year>, I was shocked to receive a notification that both my checking and credit card accounts were to be closed. I was not provided with any specific reasons for this action, and this has caused considerable stress, especially with the credit cards, as I relied on my USAA cards for most all my purchases and closing them had a significant negative impact on my credit score. 

In trying to understand why this might have happened, I considered a couple of possibilities. One is the house proceeds transfers and subsequent investments. Another possibility is that I had previously placed a security freeze on my XXXX report, which I have since removed. I don't know if a report may have been ran that showed it frozen and it led to a negative account action, but it is unfrozen now if USAA would like to check.

I understand that banks have obligations to monitor and act on transactions they deem risky, but all my activities have been legitimate and transparent. As I said, the closure of my credit card accounts has significantly impacted my credit score and my ability to make necessary purchases.

I respectfully request an explanation for the closure of my accounts and an opportunity to address any concerns USAA may have. I hope to have my accounts reinstated or be allowed to reopen them without fear of immediate closure so I can continue to rely on the trusted services USAA has provided over the years. 

Thank you for your attention to this matter.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation (GA)

I am submitting this to formally request the removal of this account from my credit report. The account in question is negatively impacting my credit score and financial opportunities. 
XXXX XXXX XXXX  Balance Owed : {$780.00}
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

This account has been closed on XX/XX/year> complaint XXXX by XXXX XXXX l am writing to formally file a complaint against National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692c ( c ) and failing to validate a debt as required by law. On multiple occasions, I contacted National Credit Systems to request validation of an alleged debt and to instruct them to cease all further communication with me until the debt was validated. Despite these requests, National Credit Systems has continued to contact me without providing the required validation of the debt. Here is a detailed summary of my interactions with National Credit Systems : Email Communication : On XX/XX/year>, I sent an email to National Credit Systems requesting that they validate the alleged debt and cease all communication until such validation was provided. Follow-Up Email : On XX/XX/year>, I sent a follow-up email reiterating my request for validation of the debt and for them to cease contacting me until validation was provided. Telephone Communications : On XX/XX/year>, I called National Credit Systems to verbally request validation of the debt and to instruct them to cease contacting me until such validation was provided. On XX/XX/year>, I spoke with a representative named XXXX XXXX, once again requesting validation of the debt and instructing them to cease all communications until they provided such validation. Despite my clear and repeated requests, National Credit Systems has failed to provide any validation of the debt and has continued to contact me, in direct violation of 15 USC 1692c ( c ). Under this section of the FDCPA, if a consumer notifies a debt collector in writing to cease further communication, the debt collector must cease communication except under specific conditions that do not apply in this case. Additionally, they have not fulfilled their obligation to validate the debt as required under 15 USC 1692g. The ongoing and unlawful contact from National Credit Systems has caused me significant stress and inconvenience. Therefore, I am requesting the CFPB to take immediate action against National Credit Systems to enforce compliance with the FDCPA, ensure that all unlawful contact ceases, and that the debt is validated as required by law. Please find attached copies of my email communications and summaries of my telephone conversations to support my complaint. Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (LA)

I received an offer from Regions saying that I was prequalified for Regions XXXX XXXX Loan or a Regions XXXX XXXX Line of Credit. I applied and was told that I was not approved because in order to be eligible to accept my offer, I must have an open Regions savings or money market account with an available balance of at least {$260.00} and must have a Regions checking account. I in fact have those qualifications except the money market account. I have a XXXX account and a XXXX account with more than {$260.00}. I'm attaching proof. Thanks
Consumer complaint received 2024-07-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

Subject : Formal Complaint Against XXXX Credit Card for Unauthorized Charge and Customer Service Scam Dear Sir/Madam, I am writing to formally complain about an unauthorized transaction and subsequent poor customer service by XXXX Credit Card , which has not only affected my financial standing but also my personal well-being. 

On XX/XX/2023, my XXXXXXXX credit card was charged {$5400.00} without my authorization. The details of the recipient of this charge were not included in the transaction record, which simply shows as " completed '' but lacks any payment information or recipient details. I have attached a screenshot of the transaction as evidence of the missing details. 

Despite repeated efforts to resolve this issue through customer service, my complaints have been met with inadequate responses. Each time I contact XXXX 's customer service, my call is transferred multiple times without any resolution. I have called monthly since the charge appeared, and each interaction has been documented with a different complaint number, the latest being XXXX. 

This ongoing issue has severely impacted my financial health, affecting my ability to pay rent and other bills, and has caused undue stress and hardship. Additionally, XXXX has continued to charge interest on the unauthorized amount and is demanding a minimum payment of XXXX XXXX  monthly, further exacerbating my financial strain. 

Enclosed are copies of the transaction proof and email correspondences with XXXX 's customer service, which demonstrate the lack of effort on their part to rectify this fraudulent charge. 

I am seeking a full investigation into this matter, the reversal of the {$5400.00} fraudulent charge, the correction of my credit report, and a cessation of further interest and payments related to this charge. I believe XXXX has violated consumer protection laws and has not adhered to ethical standards in managing my case. 

We need justice. Thank you for your attention to this urgent matter. I am hopeful that with your intervention, this issue will be resolved justly and promptly. I urge you to also review similar complaints from other customers, accessible via online forums and consumer complaint boards, which suggest a pattern of fraudulent practices by XXXX, affecting many innocent people across the XXXX. Here are some angry customer complaints similar to my cases from reddit consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (CA)

I disputed the XXXX XXXX XXXX debt on my credit report on XX/XX/year>. I let them know I was at a XXXX  XXXX shelter because the manager wouldn't accept the rent assistance from XXXX XXXX XXXX. I was not clearly told where to submit my documents. XXXX asked Kimball, Tirey, and St. John LLP to investigate my claim and update them. I only got a judgement in the mail with no other response. XXXX XXXX XXXX management Coerced my debt and has now proceeded with malicious prosecution by not investigating or attempting to acquire documents to investigate this dispute properly.
Consumer complaint received 2022-02-11
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. (OK)

XXXX, XXXX is reporting on my XXXX and Experian credit reports. This account does not belong to me. I have tried several times sending in my FTC report. Please send to these companies ASAP this account does not belong to me!
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Avant Holding Company, Inc. (NY)

On Saturday, XX/XX/year>, I was trying to make a purchase at XXXX for {$630.00}. I have over {$1800.00} available on my AVANT XXXX. 
The first time I tried the transaction, it was declined and I received an automated phone call asking if it was an authorized transaction, which it was, I answered and followed the prompts. I figured that after that, since I reported it as a legitimate, not-fraud, transaction, it would work. It didn't. Ultimately, I called the company XXXX different times myself, making a total of XXXX phone calls thus far, and they kept telling me that the card was declined for detecting fraud, but there was no card block. On the XXXX call in, I asked for a supervisor who told me it must be the fault of the merchant. So I called XXXX and they told me that the order I was trying to place was being declined by the card issuer. So I called AVANT back and told them this.They told me that the transaction was blocked for suspected fraud, but that the card was fine. I told them that they can't have it both ways. I even tried on XXXX of the calls to do the transaction while they were on the phone so that they could push it through. They said they could see it but could do nothing. So XXXX calls to the card issuer, XXXX call to the merchant, and XXXX incoming automated call from the card issuer and I still can not process the transaction. They said there's nothing they can do but they can submit my feedback and escalate the problem, but that will take 2 days for an EMAIL response. 
I previously had trouble with card declines with this card for no apparent reason, and even the card being deactivated when i tried to use it on a vacation, which took 10 days to escalate and resolve, and then had to have a new card issued after that.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

My credit card number was used to purchase tickets through XXXX without my permission. I marked it as fraud as soon as I saw it. Chase sent me a new credit card but declined to remove the charges after review.
Consumer complaint received 2023-09-30
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. (TX)

I hope this letter finds you well. I am writing to file a formal complaint regarding the persistent reporting of late open accounts on my credit report, which is maintained by 3 Credit Bureaus. Despite repeated attempts to correct this inaccuracy, these late open accounts continue to adversely impact my credit history and financial standing. 
I have diligently followed the necessary procedures to dispute these inaccuracies with your bureau and have provided all required documentation to support the veracity of my claims. However, to my frustration, these late open accounts persist on my credit report, causing me undue hardship. 

I have taken the following steps in an effort to address this issue : I have contacted the creditors associated with these late open accounts to dispute the inaccuracies and request their removal from my credit report. Unfortunately, my efforts have not resulted in a correction. 

I have submitted written disputes through your bureau, attaching all relevant documentation to substantiate the inaccuracy of these late open accounts. 

The presence of these late open accounts on my credit report has a detrimental effect on my credit score and financial opportunities. It is imperative that this matter is resolved promptly to ensure the accuracy and fairness of my credit report. 

I kindly request the following actions to address this issue : XXXX a thorough investigation into the late open accounts erroneously reported on my credit file, verifying their accuracy and timeliness. 

Coordinate with the relevant creditors to correct this error by promptly updating my credit file to accurately reflect the opening dates of these accounts. 

Provide me with written confirmation of the correction within the exact timeframe from the date of this letter. 

Implement enhanced quality control measures to prevent the recurrence of such errors in the future, ensuring the accuracy of credit reporting. 

I understand the critical importance of accurate credit reporting in the financial lives of individuals and trust that your bureau upholds the highest standards of integrity and precision in this regard. 

I request a response to this letter within the exact timeframe from the date of receipt. Failure to address this complaint adequately may compel me to seek legal remedies and escalate this matter to relevant regulatory authorities. I am asking for your assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXXXXXX Balance : {$390.00}.
Consumer complaint received 2024-07-20
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (MA)

I purchased {$500.00} Visa Gift Cards on XX/XX/XXXX. Six of those gift cards were compromised when I went to use them. I called Incomm and opened Case ID XXXX with them. I was told that the cards had been attempted to use in another part of the country and locked because the activity was suspicious. I was asked to send in copies of the receipts and compromised cards along with my driver 's license. I did so on XX/XX/XXXX. 

I followed up XX/XX/XXXX and again on XX/XX/XXXX. I finally received a message on XX/XX/XXXX from a Do Not Reply email box stating : " Hello XXXX XXXX, We are writing to inform you that we have completed our investigation regarding your card issue,XXXX. We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, unfortunately we are unable to approve your case and it has been closed. If there was a balance on the card ( XXXX ) at the time you reported your claim, a replacement card with your available balance has been shipped to you. The replacement card should be received within XXXX to XXXX business days. Please refer to the cardholder agreement as it relates to unauthorized transactions. Any problems or disputes you have regarding a purchase should be addressed directly with the merchant. The disputed cards are now inactive and can no longer be used. Please destroy these cards via secure destruction method ( such as secure shred ). We appreciate your business and value you as a customer. This is a do not reply email box. If you have questions or concerns, please contact customer service at the number on the back of your original card. 

Sincerely, Incomm Payments '' I was sold a compromised product that Incomm sells in XXXX packaging that allows thieves to compromise their product and then drain the cards before consumers can use them. Then they refuse to take responsibility and draw out cases for months before responding denying restitution. They provide no details that would allow for their decision to be challenged.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

XXXX XXXX XXXX XX/XX/year> XXXX I have Identified information on my consumer report that are a result of Identity Theft this items are not related to any Transaction completed by me 15 U.S Code 1681 c-2 - Block Of Information Resulting From Identity Theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not begin made in error ; nor is my request to block begin made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. without my explicit permission, thereby breaching the confidentiality and trust that should be upheld in our business relationship. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I demand that you cease and desist from further disclosing my personal information without my consent. Furthermore, I hold your institution liable for any damages that may have resulted from this violation, including but not limited to harm to my credit report. As such, I hereby demand compensation of { {$1000.00} } for each violation and adverse effects on my creditworthiness and financial standing. Failure to rectify this matter promptly may result in further legal action to protect my rights and seek appropriate remedies. You are required to do what I am asking and block these transactions from begin reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. Thank you
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX