davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK (GA)

I opened a secured credit card in XX/XX/XXXXwith Discover bank that went into default. The bank closed the account in XX/XX/XXXX and later sent me a XXXX. In XX/XX/XXXX I included the XXXX in my tax filings to the IRS. Discover continue to report the account as " Failure to Pay '' every month with the last report being on XX/XX/XXXX. I have called and asked them to allow me to settle the debt so they would stop reporting it monthly to the credit bureaus and I was told : " that is not an option '' The IRS rules that a XXXX is a debt cancellation and in the case of ( XXXX XXXX, XX/XX/XXXX XXXX XXXX ) from Chief Judge XXXX XXXX XXXX of the U.S. Bankruptcy Court for the XXXX  District of Iowa agrees that a creditor can not continue to collect on a debt after the issuing the debt cancellation notice.
Consumer complaint received 2024-03-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XXXXXXXX XXXX in XXXX NY made a fraudulent charge of {$65.00} on my Bank of America credit card. 

I discussed the charge with XXXX XXXX XXXX, but they did not reverse. 

The charge was disputed with Bank of America but they refused to remove the charge.
Consumer complaint received 2024-01-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

FCO has an account in my name that is affecting my credit report negatively, I believe this was a result of identity theft, however they refuse to remove it from my consumer report. I even went as far to settle with them but they backed out on the settlement because I refused to pay the full amount because they knew I was in the process of buying a home so they tried to use that as leverage. I declined as asked them to verify the debt and validate it, to which they did not after numerous request only after I filed a complaint in CFPB they claim to have instructed me to send them proof of residency during certain time periods. I never received any instructions or what documents to send to prove residency so they can remove this as a result of identity theft. I would have sent them that instantly because I was out of the country during that time period and have credit card statements to prove it with a XXXX XXXX  mailing address to which I have attached here. FCO needs to remove this account immediately from my consumer report within 72 hours. I have been patient enough. I am also considering taking legal action as they have violated FCRA regulations as well causing financial stress because of this inaccurate derogatory information on my consumer report. I ask that you resend your instructions here in this platform to ensure I receive them because I have not received any communication from your company unless it was to pay you a certain amount. It is only after I reported them on this website they claim to not accept any settlement for identity theft to cover their tracks well please attached credit card statements to prove my residency. You can not try to defraud a military member because we keep all documentation.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-05
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: JPMORGAN CHASE & CO. (WA)

On XX/XX/2023, a purchase for XXXX XXXX via my Chase Amazon Prime Card was placed. The value of this transaction was {$240.00} via Amazon.com. When I received the product it was already opened and not what I ordered. I returned the product to Amazon, but they would not return my money. I opened a dispute with Chase and they worked with Amazon and came to a conclusion that the " product was not the same. '' I was not able to reopen the dispute. I had no other option to since my credit card company would not support my case.
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I called the loan servicer Nelnet and asked them to make a payment over the phone. I told her specifically to use a certain bank account. She submitted my payment using the wrong bank account and I was charged almost {$300.00} in overdraft fees. 

Nelnet said they would investigate and call me back or send me an email. They told me the process takes 10 days. It's been over 20 days and I am now receiving collection notices from that bank. 


I got all fees waived but {$120.00}.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (AL)

To whom it may concern : Account Name : XXXX XXXX  You are reporting this collection as an " open account '' which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when the above collection is deleted and has been removed.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

I had a student loan with Nelnet Loan Service since XXXX to todays date. This company has sold my loan to XXXX  and is paid off. Nelnet loans continues to show a late status over 180 days and has been for 18 years. This company has validated the fair credit reporting act of XXXX. I have disputed this over and over again and the report comes out differently ever dispute. I am going to seek legal action against them for breaking the law. And my rights. This has been so ridiculous at this point. Over 18 years on my credit. And this is paid off. XXXX XXXX  XXXX here.
Consumer complaint received 2024-01-05
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (LA)

XXXX XXXX XXXX  ( Comenity Capital Bank ) Unethical late fee charges. I receive the statement on XX/XX/XXXX - I mail payment XX/XX/XXXX. They dont post it until XX/XX/XXXX & charge me a late fee of {$41.00}. ( their cut off date was XX/XX/XXXX ) This is the 2nd time this has occurred within the last year. 
I called to see if they could reverse the fee as other card companies have done in past - especially since the mail is even slower during holidays & they refused. I explained that according to my bank the payment should have arrived on XX/XX/XXXX before the XX/XX/XXXX cut off date. I even spoke with a supervisor XX/XX/XXXX at XXXX XXXX  central time. Explained everything and he would not reverse late fee. 

I just received a new statement today XXXX which they claimed to have mailed XXXX which took 9 days to arrive at my residence. 
If I pay it today, according to my bank bill pay account it should arrive by XX/XX/XXXX. The due date is XX/XX/XXXX. 

This is the only card company that this occurs with and they do not work with consumers due to circumstances beyond their control- such as mail service, the company statement mail date which have a bearing on when payments are received. Bank generated checks are very accurate in determining checks arrival dates.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UMB FINANCIAL CORPORATION (OK)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT CREDIT INQUIRIES I am disputing the following inquiries which I did not authorize : 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 UMB- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UMB- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I contacted Chase bank about my checking account and credit card accounts I have had with them for years.

I requested the account statements for the checking account and XXXX credit cards from XXXX XXXX XXXX. 
I requested a research inquiry into the matter as they claimed that statements beyond XXXX years are not available. 
I escalated the issue and they refused to do further research and they close off the inquiry. 
I used to work for XXXX XXXX XXXX and statements are archived on the backend systems. Although not available to customers online, the statements still exist in the system past the XXXX year mark. 
I am requesting and the full account statement history be sent to me from inception for the checking and XXXX credit card accounts as I specified in my original communication with Chase.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (OR)

New Rez purchased our mortage from our previous lender in XXXX. Our outstanding balance is currently under {$11000.00}. We received a letter dated XXXX XXXX XXXX  in the mail on XXXX XXXX XXXX  stating it was our " second and final notice that New Rez didn't have a copy of our hazard insurance and they planned on buying insurance for our property at a cost of {$2800.00}. '' This was the first letter we had received and we received it 11 days after it was dated which seems suspect. Upon opening, we immediately uploaded both our HOA and personal insurance on our property to XXXX XXXX XXXX XXXX XXXX XXXX  as requested. Our insurance policies have never lapsed. After uploading our insurance documents to the XXXX website as requested, we did not get a confirmation number or email, but a comment telling us that they'd let us know if there was an issue with transmission ( this seems odd ). We never heard there was an issue with our transmission so we assumed they got what they needed. However, I was very bothered by this threatening letter so I tried to email them that evening. They didn't have an email but a form I could fill out on their website so I filled it out letting them know we'd always had insurance, that we received one letter in the mail on the XXXX and had uploaded the documents. I asked them to please follow up and let me know they got our insurance documents as we were not going to be paying for insurance they purchased and never needed. I never received a follow-up from New Rez. Today, XXXX XXXX XXXX we received a letter dated XXXX XXXX XXXX stating New Rez has bought insurance for our condo and will bill us for it. Again, we received their only letteXXXX XXXX XXXX and uploaded the documents to their third party website. There is a phone number on the letter so I plan to call them on Monday as their office is closed but I am very upset. This company seems incredibly dishonest. In fact, I read another complaint from another customer where this same situation happened. It also appears there are many class action lawsuits against them. I login in to New Rez 's website at least once a month to pay our mortgage and the request for insurance never showed up on their website. They never called or emailed us. Instead, we got one letter in the mail 11 days after it was supposedly written letting us know it was our second and final notice to provide proof of insurance before they buy insurance and bill it back to us. Upon receipt of the letter, we did exactly what they asked of us and now they have written to tell us that they've purchased {$2800.00} insurance on our remaining {$10000.00} loan and will bill us for it. This is not reasonable but egregious. Terrible dishonest company!
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

I have a checking account with USAA, a debit card linked to that account, and a apple cash account that used this debit card. 

On XX/XX/XXXX, I was XXXX XXXX XXXX by XXXX men who stole my phone and demanded my iphone password. They then sent themselves {$4700.00} via XXXX XXXX on my phone to a contact listed as " XXXX  '' : ( XXXX ) XXXX. 

I disputed this transaction with USAA as fraudulent and unauthorized, and they initially provided me provisional credit of {$4700.00} while working with the claim. After their investigation, they determined that these transactions were not fraudulent, and took back the provisional credit they gave me. 

I have since re-opened the claim with USAA, but I would like to file this claim because I am unsure if they will correctly determine that this transaction is fraudulent.
Consumer complaint received 2024-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (CA)

Newrez LLC is serving my loan. They requested me to provide home insurance for my condo. I provided insurance proof as requested twice. The first time I submit the proof through submissing link they provided, they didn't reply ( around XX/XX/2023 ). The 2nd time I called and sent the proof to the representative and was told I was all set ( XX/XX/2023 ). Now I found they still saying I am not having active insurance. They sent an insurance payment from my escrow account for a lender placed hazard insurance ( I already proved I have an active one ) and asked me to pay for the cost ( dated XX/XX/2023 ).
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (IL)

I had two checking accounts with Citibank ; one for myself and the other for my XXXX  son ; no fees were associated with this account, and if they were, they were reversed/waived. 
I closed my account maybe 2-3 years ago. My sons account had a total of XXXX XXXX in it. 2-3 years later, with no activity on the account, and Citibank is added fees saying that I owe. Total now is over {$30.00}, I believe. 

I asked, when I was a customer do they close accounts due to inactivity. I was told no now I see way. 

This is a clever way to steal money from consumers. 

I asked if the elder customers experience this as well. There was no response.
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COAST PROFESSIONAL INC (FL)

Unaffiliated third party is in possession of personal information obtained without the authorization of I, with the intent to receive benefits or money. I have no contract with said party, nor was given an reasonable opportunity to opt out pursuant to 15 USC 6802 and Florida State Law, 501.705. Any further communication will result in further legal action taken pursuant to Florida 's Deceptive and Unfair Trade Practices Act, Fraudulent Practices of Florida Law Chapter 817 and the FTC act.

Debt Collector is also misrepresenting that it is affiliated of a US governmental agency of Dept. Of Treasury US Fiscal Bureau in violation of the FDCPA.
Consumer complaint received 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica (CA)

XXXX XXXX XXXX my XXXX is available. I went to arm my card had been cancelled. This is 8 times in 12 months. The next day I received 2 texts one asking if I changed my pin I replied no. Low card balance below XXXX XXXX The deposit was greater then XXXX XXXX Someone had illegally pulled the XXXX $ plus out of my account. Because my card had been cancelled and my pin number fraudulently changed I have been Frozen out from contacting anyone from direct express. Because this has happen so many times before I asked your service for dates times and change in protocol to prevent future abuse. I contacted the XXXX XXXX XXXX XXXX Department both then and now. I am asking for audio copies of all fraudulent acts. I want all addresses the criminals requested to send the new cards. I suffer from XXXX, XXXX and XXXX XXXX XXXX XXXX. I need my funds and sent photos of me, my id and my direct express card that I still posseded. I want them to either same day funds and card at there expense and reemburstment of all previous replacement cards. Obviously the protocol does not prevent this crime.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

On XXXX XXXX XXXX XXXX XXXX there were 10 different withdrawals from my account for somebody that had use my account to buy some things online from a company. I dont even know who they are for electronics. These purchases were made when I was still asleep, and I didnt even go shopping online or anywhere else on XXXXXXXX XXXX  I filed a dispute with Chime about these charges. They approved six of them and four of them they did not approve. I requested information about what criteria they went by to determine that they were not going to approve those for charges and requested them to send it to me, however I have not ever received any reasoning behind their arbitrary decision to not cover about {$120.00} worth of charges I did not make on my account Im including copies of those that they covered in those they did not
Consumer complaint received 2018-11-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (IL)

I EXPERIENCED SEVERAL UNAUTHORIZED TRANSACTIONS, THAT WAS CHARGED TO MY CHECKING ACCOUNT. THESE CHARGES WERE FALSIFIED BY, TME ( XXXX XXXX XXXX ) IN THE AMOUNTS OF XXXX, XXXX,XXXX AND XXXX.THESE CHARGES CAUSED AN OVERDRAFT ON MY ACCOUNT, IN THE AMOUNT OF XXXX. I FILED A FRAUDULENT COMPLIAINT WITH TCF BANK, THE COMPANY PUT ALL OF MY FUNDS BACK IN MY ACCOUNT, HOWEVER, TCF REFUSE TO WAVE THE OVERDRAFT FEE. I SPOKE WITH A BANK REP. AND A MANAGER, WHO REFUSED TO WAVE THE XXXX FEE. IN FACT THE BANK REP. THAT FILED THE COMPLIAINT ( XXXX ) STATED THAT ONCE XXXX XXXX, REFUNDED MY MONEY BACK INTO MY ACCOUNT, THEY WOULD WAVE THE OVERDRAFT FEE.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Affirm Holdings, Inc (CA)

a month ago, 4 fraudulent accounts appeared on my account as late payments. The company is called Affirm pay now pay later. I called the company to identify the accounts but the company refused due to there being a different number and address on the account. These accounts were made fraudulently and these accounts are ruining my credit. please help.