davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Certified Bureau of the South, Inc (LA)

I went to the hospital XXXX XXXX XXXX XXXX XXXX in XX/XX/year>. I received a bill and have been paying XXXX. I then received something saying I only owed around XXXX, which I paid. Then I received a notice from you saying that I was turned over to the debt collector. I am happy to pay in installments but I can't afford the whole amount at XXXX. I thought I was doing good. Please call me at XXXX so I can set up payments. My reference number is XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2020 a bankruptcy was filed under my name and resolved XX/XX/2020. I was incarcerated at the time and did not consent to anyone filing this proceeding. I am requesting that this public record be removed immediately as it violates my consumer rights.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

I was recently transferred to this mortgage and for days was unable to access my account. After this was finally resolved I was trying to update my payment information to make multiple payments per month. I found out there is no secure way to do this therefore costing me more in interest. They only do this via email, fax, and mail which is not a secure way to send bank account information. Since they already had my bank account information I asked if they could just update the additional payment info without me filling that out due to the security issue and the said no. When I asked if they could transfer me to someone who could they said no one could. Because I dont want to send me bank info over to a company that doesnt have security policies, a company I did not choose, this is costing me the additional interest I have to pay because I can not make the additional payment amount. This lack of security in these times is very concerning and I want to make sure you are aware as a government body so that rules can be in place that holds these companies accountable for the security they need to have regarding our bank information. 

The company is Newrez LLC DBA Shellpoint
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MI)

I am writing to file a complaint regarding an issue I encountered while purchasing XXXX debit gift cards from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Receipt Attached # On XX/XX/2024, I attempted to purchase XXXX debit gift cards with the intention of using them for specific purchases. Upon attempting to purchase/activate both cards the sales consultant XXXX and myself discovered the that only XXXX of them was activated. The paper receipt says ESPrepaid Processing Failed.Declined Response Code is XXXX : Suspected Fraud ; Refund Required and " Pending Refund : Vanilla One Visa XXXX '' Even with this directive on the receipt he would not issue a refund. I was charged for both cards at the time of purchase. XXXX gave me the card that was activated and insisted he could not issue a refund for the XXXX debit/gift card nor did he give me the card that did not get activated. 
I requested the XXXX and was told she wasnt in but would be working in the afternoon. I returned later that afternoon and was introduced to the XXXX XXXX who had been briefed on the situation. She reviewed my receipt and acknowledged that I was charged for both but only XXXX activated. She would not issue a refund but stated the extra {$500.00} charge will fall off your credit card in XXXX days. She ( the XXXX XXXX XXXX told me the company knows this is an ongoing issue but she could not or would not issue a refund. She insisted I wait at least XXXX days to see if a refund/credit would appear. I check my statements often and of course it did not fall off my credit card statement. Ive been charged the full amount for XXXX debit cards with activation for only XXXX. 
I have reached out again in attempt to resolve this issue but I have not received a satisfactory response or solution. I am entitled to receive the refund of {$500.00} value of the second gift card that I was charged for but not given or activated. 
I would like to request your assistance in resolving this matter and ensuring that I am either provided with a working replacement card for {$500.00} or reimbursed for the value of the second card + reload fee that was not activated- {$500.00}. Receipt attached. 
Thank you for your attention to this matter, and I look forward to a prompt resolution to this issue.
Consumer complaint received 2024-08-07
Product: Credit 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: AMERICAN EXPRESS COMPANY (AL)

Took my son 's car into XXXX XXXX XXXX XXXX XXXX XXXX XXXX location on XX/XX/year>. It needed a new alternator. They replaced the alternator with a cheap part. We paid {$810.00} and drove away. XXXX hours later the warning light came back on. We took it back to them and they " ran diagnostics '' and declared that we needed to take the car to XXXX to get the XXXX replaced ( electronic control module ). 

I took the car to XXXX XXXX that day. They put a new, better quality alternator on and charged a little over {$600.00}. It has worked perfectly since. 

American Express, despite having all the documentation is refusing to reverse the charge, stating that XXXX XXXX XXXX says I paid for the service, which I did- i ca n't drive my car away without paying.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (SC)

Square Inc. froze my account on XX/XX/2024 XXXX in my account. 

I am running a business and I need to pay vendors, etc. They are causing me a tremendous amount of financial pain. Even though I have proven time after time to them, that my income is legitimate and I am an insured legitimate business. I can prove every transaction on my account. 

I never received my square card. I assume someone stole it during shipping, and now is trying to make purchases with it. I never activated the card.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

I made a deposit in my account of XXXX at atm I've been with wells Fargo for at least 7 years the money went into an account that was on hold and supposedly investigation was being done since XXXX on my sons account however the money didn't go into my account It went into my sons where the fraud was my son opened an account under me as a XXXX because he was once receiving XXXX XXXX  from his father however that recently stopped my son is not an adult he did just recently turn XXXX however he made a deposit into his account of a check he was given for payment on beats he made for a client he did not know this was a bad check so he filed a fraud dispute and a police report no one reached out no one communicated fast forward yesterday we go into branch and we're told by rude fraud agent over the phone both accounts are being closed no communication was sent no one ever explained why and we as customers never have done anything wrong but being treated so unfairly so unjustly the branch representative didn't understand or agree she said this happened to other clients and wished she could do something but isn't able to I was making a deposit to avoid additional fees on my own personal account not the fraud account So I am seriously not understanding why this happened I want this fully researched someone should personally reach out and rectify this situation as I feel wronged by wells Fargo they are also tainting my child 's name in banking and mine when I've never had anything like this to occur i need answers XXXX XXXX is who assisted me in branch and the fraud agent who wouldn't have a manager assigned is XXXX XXXXXXXX XXXX XXXX is trying to overcharge me in fees and close our accounts for no reason I want an explanation I need to understand what rule I broke or my son because my money and accounts should be fdic insured and I feel unsafe for any of my family members friends or others to use this institution knowing how they handled this situation or more over mishandled I have proof of me attempting making deposit of my sons police report and all please advise I am a XXXX woman who really is put in a bind to find other banking however after being treated this way how could I continue business with them
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

My checking and savings account was closed. I Have been a usaa member for 4 years. I never had any problems besides fraudulent transactions that was disputed on my account. XXXX percent of the disputes worked out in my favor. So I asked the representative why was my account closed, they stated that the fraud department didnt have to give an reason to why they decided to close my account and all of that information is in the XXXX disclosure I signed when I became a member. No documents was provided. The policy is that they have 60 days to close the account and send my funds in a check. I have bills and I also get ssi every month going into that checking account. I cant afford to not pay my bills for 60 days. I need my funds to be released. I cant survive 60 days without any funds. This is going to put me in a financial hardship. On The high dispute claims, there reversing the credits and on the low disputes they made permanent. I also asked for documentation on how they came up with there decision being that those disputes was under the same dispute number ID claim XXXX. All of those disputes was fraudulent thru cashapp at the same time. So why was some considered as fraudulent and some was considered not fraudulent. They never gave me any evidence to support the claims and how they came up with there answer. I also noticed that this same company has a big lawsuit going on for doing unethical business towards the consumers.
Consumer complaint received 2024-08-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/year>, I received a letter from Bank of America requesting verification of my social security and identity. I promptly visited the Bank of America branch and with the assistance of the branch manager, contacted the credit card department. During the conversation, I was informed that I needed to provide my Social Security card, W2 form, ID, and a copy of my passport for identity verification. After promptly submitting the required documents and following up within two weeks, I was informed that my credit card had been closed due to suspicious activity on my account. Despite emphasizing that there had been no fraudulent activity and minimal card usage, Bank of America proceeded to close my account without valid reason.
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have been dealing with Identity theft from about 3 years now. I have been working with XXXX  Identity theft department to resolve most of the fraudulent accounts that were opened under my name. Only one account which XXXX XXXX XXXX, I am unable to resolve. The account was some time in XXXX  and still shows a balance of {$1200.00} and Resurgent Capital Services are the collection company I am introduce too. Resurgent customer service agents are unprofessional when it comes to helping people who are going throuhg Itentity theft. I have in contact with them for about 3 years and I have been filling Identity theft forms that are sent by them, but I have not been able to resolve it. I hope this complaint can resolve my issue.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to express severe concern in connection with the current practices at Equifax which infringe on my consumer rights. following a block that was placed on myequifax.com for need of verification of my identity, I sent needed documentation including my government id social security card police report along with disputes of incorrect/fraudulent information on my consumer report. XXXX received no response, I have non access to my Equifax report due to a block that is not equitable to me. especially considering I am a fraud victim with a 7 year fraud alert. I am requesting my account be unblocked, as well as an immediate investigation and correction/block/deletion as mandated by the Fair Credit Reporting Act ( FCRA ). These inaccuracies include incorrect personal information and accounts that do not belong to me. 

Incorrect Personal Information : Incorrect Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXXStatus : UnpaidBalance : {$1000.00} Legal Precedents and Arguments : The cases of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Mortgage XXXX, and others underscore the critical importance of accurate credit reporting and the legal obligations of credit reporting agencies under the FCRA. 
These accounts do not belong to me, and I have not authorized any transactions or agreements with these entities. Enclosed are copies of documents that substantiate my claim. I request that these inaccuracies be investigated and corrected as soon as possible. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I wasn't exactly sure the problem to select, because my situation isn't really covered under any selection. My car loan was financed through Huntington Bank. I unfortunately also bank with them. I was rear ended, and my car was totaled. I stopped making the payment because I am self employed and use my car for income. They told me that I had to catch my payments up before they could stop payment or anything. They weren't willing to catch my payment up with the totaled out payment from the insurance either. 
After the payment from the insurance company my balance was lowered to {$2100.00}. This is including interest and late fees still accumulating on the actual balance. They didn't take me to court or send any certified mailing informing me of their plans of garnishing the entire balance out of any of my accounts that I have with them. I have XXXX accounts with them. XXXX of those accounts are with my children. XXXX of my children has a cognitive XXXX. The othe one was a savings account that was opened when he was a minor that he uses as his main account. Right now he is on XXXXXXXX XXXX XXXX after an injury at work. On XX/XX/year> the took the entire balance of {$2100.00} out of my son 's account! 
I called them explaining to them that was my son 's account and only his money goes in there. You can see that none of the deposits made to that account are from me! You aren't legally allowed to garnish money without taking me to court. You would've had to take me to court if I didn't bank with you! You still needed my permission to even take a payment, so how could you legally take the entire balance after you wrote it off? The didn't care that they put my son at risk to lose his apartment and his car for something that wasn't even his! I said you can look in the computer and see that none of the deposits in that account is mine! They said once the check clears there's no name on it! There's no way that they should be able to put loopholes in their contracts to legally be corrupt! If they can't just take a payment without your permission, then they shouldn't be able to just take the whole balance just because I bank with them!
Consumer complaint received 2024-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: RoundPoint Mortgage Servicing LLC (IL)

I am owed my escrow balance from the sale of my home in XXXX XXXX, which was completed on XXXX XXXX, 2024. I have yet to receive any payment back. I have called multiple times and am continue to be to told that it is in the mail. I have had them stop payment and reissue my refund check yet nothing has arrived. 
I called to get status today and they hung up. I am owed my refund of {$4500.00} dollars and interest on that money as it continues to sit with them with no recourse for me, the rightful owner of said funds.
Consumer complaint received 2024-06-21
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: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-08-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (DC)

I submitted my application on studentaid.gov to change my payment plan to the SAVE plan. After completing my application and being approved, it was up to Mohela to implement the plan on my account. They did not. I called them several times to understand why they didnt move me to the new plan. You can see the number of times I called them below : XX/XX/XXXX XX/XX/XXXX ( x2 ) When I finally reached someone, they told me to apply again. After some time, I noticed that I still wasnt moved over to the new plan. I called again. 

XX/XX/XXXX After this time, they told me to apply again, at this point having submitted at least three applications, and still, I have not been moved to the SAVE plan. 

I understand the stay put on issuing the plan on borrowers as of XX/XX/XXXX, but the fact of the matter is they never moved me to the SAVE plan before this date despite my efforts. 

Mohela is a predatory servicer that shows complete incompetence when it comes to processing and managing loan plans for borrowers who are trying to make their payments more affordable. If it were up to me, Mohela shouldnt be allowed this much power and authority while exhibiting harmful levels of negligence impacting thousands if not millions of people just trying to repay their education.
Consumer complaint received 2024-08-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: BMO Bank, N.A. (WI)

My bank is BMO Harris Corporate office in XXXX XXXX Illinois My HELOC just went into repayment mode. Total borrowed is {$42000.00}. Payback time is 20 years at 9.49 % interest. They say me monthly payment is {$490.00}. If I look up any repayment schedule that has interest compounded daily, my payment should be {$390.00}. I contacted BMO about this matter both in their customer line and local bank. They will not give me any paperwork or figures on how they arrived at their math computations.
Consumer complaint received 2024-08-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: TRUIST FINANCIAL CORPORATION (NJ)

This company XXXX XXXX sent me documents for a loan approval. They claimed to be a company that helps clients with bad credit to improve their credit score by sending me checks to my email and having me send it to a XXXX XXXX bitcoin address. I was misled with information, they told me lies. By the third check i was notified that the first two checks bounced and my account is overdrawn by almost XXXX XXXX dollars. My bank account is closed and I do not want this situation to affect my future situation with banks
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.