davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have two checking accounts with Bank of America. On  XX/XX/18, I checked my available balance on one of my  accounts and it showed {$94.00}. On XX/XX/18, I noticed that my account had a negative balance of {$54.00}, so I immediately made a transfer from my second Bank of America account ( internal transfer ) and after reviewing the transactions, I noticed a overdraft fee in the amount of {$35.00} posted to my account on XX/XX/18, when my account still had an available balance of {$94.00}. I contacted Bank of America on XX/XX/18 and first spoke with XXXX in regards to the fee, and asked to speak to a manager to have that fee reversed, since there are transactions still in process and I should not be charged an overdraft fee in advance for transactions not completed. Also, since I never signed for overdraft protection, any transaction that comes to my account when there is no sufficient funds should be declined.I explained to her that I was being charged by Bank of America an overdraft fee for transactions not yet posted to my account. She did not transfer me to a manager or  supervisor and started to give me an education session over the phone. I disconnected the call and called Bank of America again and was connected with a representative named XXXX, who said he is a manager in West Virginia. Mr. XXXX also wasted a lot of my time and at the end, refused to reverse the {$35.00} fee. All my transactions were made as credit and as of XX/XX/18 there were still on pending status and Bank of America charged me a overdraft fee on XX/XX/2018 when my account never went on a negative balance. 
Today ( XX/XX/18 ), I received an email from Bank of America stating that my transaction in the amount of {$24.00} posted on XX/XX/2018 caused an overdraft on that date, but my available balance before that transaction was {$110.00}, so my account was never on a negative balance or had an overdraft and the {$35.00} overdraft fee should never been charged to my account. Bank of America is charging customers overdrafts fees incorrectly and representatives are refusing to reverse those fees. I am including supporting documentation for review.
Consumer complaint received 2018-10-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I used '' TransUnion '' website to check credit report, they charged me {$21.00} without my permission or knowledge that a transaction would take place. 

Information of Incident : Date : XX/XX/2018 Time : ~XXXX~ XXXX  ( Not sure about exact time, but around XXXX XXXX ) Amount : {$21.00} Charge Info : XXXX XX/XX/XXXX TU *TRANSUNION XXXX CA I immediately looked up on XXXX if this is even allowed to happen, and found out TransUnion was a scam, and cancelled my account ( hopefully it is cancelled, there is no way to tell if it is ) on TransUnion around XXXX XXXX XXXX~ XXXX the same day, in fear of reoccurring payments without my authorization or consent.
Consumer complaint received 2019-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Wolf River Development Company (AZ)

On XX/XX/2022, I sent a XXXX  of XXXX  to Initiate Electronic Funds Transactions to XXXX  XXXX  and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, XXXX XXXX  debited {$220.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX Electronic Funds Transactions.
Consumer complaint received 2018-10-28
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: I.C. System, Inc. (SC)

I am a single mom XXXX years old, for XXXX kids I work so hard to fix my credit card 2 years before that and it was great, but after my mom being so sick and her XXXX get worse, I started to lose my focus and my job started to complain, I left my first job and little by little I started to freak out and I wasnt able to do anything right, even watching my kids I cant keep up pay my won bills and off course cant pay for my credit I was looking for credit consultants to help me out for more organized but after 2 months I was almost work part time to be with my mom most the time my friends in church was help me with the kids but finincialy I felt apart, and it was 12 credit cards, I really dont remember the amounts 1XXXX 2-XXXX  XXXX 3-XXXX 4-XXXX  5-XXXX XXXX 6- XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX 9-XXXX 10-XXXX 11-XXXX  XXXX 12-XXXX After my mom passed I full apart and I been hospitalized 3 times in one month in XX/XX/2018 And I figured out that after all the health assessment that I have XXXX/ XXXX and that was explained why I was so attached like that to my mother and why I was so XXXX  and full in deep XXXX since I sow her going Down to death. 
But now I start to get my life together now I started to study back to get my certificate as XXXX XXXX XXXX  ( XXXX ) exam and I hope I can fix this situation.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I don't have any contract with XXXX # XXXX ( XXXX XXXX  XXXX, XXXX , IL XXXX ), I don't have any contract with XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX , TX XXXX ),  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX is an incorrect address.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXXXXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX,
Consumer complaint received 2022-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Hello, I had a bank account with XXXX and they sold the division my account was with to Citizens Bank they started the transfer of the bank accounts in XXXX, I was supposed to debit card at the end of XX/XX/2022. The accounts would be officially transferred to Citizens Bank on XX/XX/XXXX they were but I couldn't get into my account for days then I called and the line has been busy every since, then I call the lost card line and was told on XX/XX/2022 that I would get a XXXX of my debit card sent to me in 2-days, I have not gotten that card yet. Basically, I have no accessbiility to my money for over a month and 1/2 and the bank isn't offering any messages online to state what is going on.
Consumer complaint received 2022-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Newrez states that the law mandates the escrow of flood insurance. 

I don't understand that claim. If I pay the flood insurance and Newrez never gets an invoice, what gives them the right to my money hold it and use it to invest and make profit on MY money and keep it for themselves.

I researched the law that was cited in the letter. I found an exemption that I believe I qualify for and sent it to Newrez. I have not heard back from Newrez. Nothing has changed in my payment. I believe Newrez is ignoring the exception I found in the law in order to hold my funds. 

The BiggertWaters Flood Insurance Reform Act intention is to protect the lender 's investment by providing a vehicle to assure a property, used as collateral, is protected. 

When a borrower pays the FLOOD INSURANCE, Newrez does not receive an invoice, which would be like Newrez receiving an invoice for {$0.00}. An escrow for {$0.00} would be {$0.00}. However, Newrez appears to be abusing the intention of the law by picking and choosing excerpts of the act and OVER-ESTIMATING the next year 's flood insurance, thus manipulating the BiggertWaters Flood Insurance Reform Act in order to use the borrower 's money to invest and profit from it. Newrez can reap profits and keep it all to themselves. 

MY policy is a XXXX Direct policy that meets 339.5 2.iii.A. I am the exception. 
NEWrez should not be taking out escrow for my flood insurance. 

The following is " escrow requirement '' : 339.5 Escrow requirement. 
( a ) In general - ( 1 ) Applicability. Except as provided in paragraphs ( a ) ( 2 ) or ( c ) of this section, an FDIC-supervised institution, or a servicer acting on its behalf, shall require the escrow of all premiums and fees for any flood insurance required under 339.3 ( a ) for any designated loan secured by residential improved real estate or a mobile home that is made, increased, extended, or renewed on or after XX/XX/2016, payable with the same frequency as payments on the designated loan are required to be made for the duration of the loan. 

( 2 ) Exceptions. Paragraph ( a ) ( 1 ) of this section does not apply if : ( i ) The loan is an extension of credit primarily for business, commercial, or agricultural purposes ; ( ii ) The loan is in a subordinate position to a senior lien secured by the same residential improved real estate or mobile home for which the borrower has obtained flood insurance coverage that meets the requirements of 339.3 ( a ) ; ( iii ) Flood insurance coverage for the residential improved real estate or mobile home is provided by a policy that : ( A ) Meets the requirements of 339.3 ( a ) ; ( B ) Is provided by a condominium association, cooperative, homeowners association, or other applicable group ; and ( C ) The premium for which is paid by the condominium association, cooperative, homeowners association, or other applicable group as a common expense ; ( iv ) The loan is a home equity line of credit ;
Consumer complaint received 2018-10-28
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: U.S. BANCORP (CA)

On XX/XX/2018 I placed an order with XXXX   for three football ( soccer ) shirts ( jerseys ) for an order totalling {$300.00} including shipping. Two of the three shirts were shipped promptly and my credit card was charged a different amount of {$280.00}. Upon checking their website after receipt of the two jerseys, I learned that the third jersey I had ordered was backordered. At the beginning of XX/XX/XXXX, after waiting several weeks for delivery, I cancelled the backordered item on their website and requested a refund of {$98.00} for the item that was never shipped. 

During XX/XX/XXXX I tried three more times to inquire as to the status of my refund through the merchants website but received no responses from them. 

I then initiated a billing dispute with my card issuer USBank on XX/XX/XXXX requesting a partial refund of {$90.00} which is 92 % of the disputed item quoted cost of {$98.00} The 92 % refund request was based upon proration of the amount billed of {$280.00} divided by the {$300.00} amount quoted by the vendor. 

Despite providing significant supporting documentation ( copies attached ) US Bank refused to provide the partial refund of {$90.00} for the soccer jersey that was never delivered.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Late or Missed Payment ( s ) XXXX Account Number : XXXX XXXX Account Number : XXXX Reason for Dispute : I was never late and believe that this account ( s ) is invalid or contains incorrect information. Please validate this account ( s ) in its entirety or remove this entry from my credit report. Thank you.

Public Records : Reference Number : XXXX Reason for Dispute : I believe that this account is invalid ( not mine ) and contains incorrect information. Please validate this account in its entirety or remove this entry from my credit report. Thank you.
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

I have been disputing inaccuracies listed on my credit report for well over 6 months. XXXX XXXX XXXX in particular continues to report inaccurately and the bureaus are not investigating the accounts or sending me any sort of updates. Each bureau reports a different DLA and the acccounts are illegally beign re-aged.
Consumer complaint received 2018-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

THIS ISN'T MY ACCOUNT AND I CONTACTED XXXX COMPANY AND THEY SAID YOU DON'T HAVE AN ACCOUNT WITH US, AND AS WELL EXPERIAN I SENT LETTERS WHICH IS I WAS TELLING THEM I NEED A PROOF AND STILL TODAY I DON'T HAVE THE VERIFICATION THAT I ASKED. 

I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-10-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (FL)

DIVERSIFIED CONSULTANTS, XX/XX/XXXX DIVERSIFIED CONSULTANTS, XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services (NC)

I have a personal loan with Lendmark. I have been put into a medical hardship. I have contacted a debt collection agency. They informed me not to contact any of the businesses that I have placed in debt collection. I have been receiving phone calls 4-5 days a week at my home since doing this in XX/XX/XXXX from Lendmark. I have 10 different companies listed on this account. They are the only company that is calling me and I feel like they are harassing me. It has not even been 30 days since we made this change. This company has called my job asking to speak with me as well. I am not allowed personal phone calls at work. I then called them and asked them not to call my job. I was then informed that I needed to make a payment on this account or it will and can effect my credit. I explained to them that I was more concerned with losing my home than my credit score. Then today XX/XX/XXXX a family member contacted me to tell me that someone named XXXX had called them trying to reach me. I then called and spoke with XXXX and he informed me if I didn't work with them I could be sued and could lose my home. My home is not connected to the loan that I have with them.
Consumer complaint received 2018-05-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (OR)

I have sent several certified letters, have tried to place calls and no one will return any information.The company has continued to call and threaten me as well as to me letters threatening to sue me. However they will not provide the proof that they said it was mine no paperwork showing my signature. XXXX XXXX XXXX has used illegal threat tactics in order to scare consumers into paying. Letter recieved on XX/XX/XXXX. Sent letter on XX/XX/XXXX no response after that. Sent a certified letter XX/XX/XXXX and still no response.
Consumer complaint received 2022-07-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NE)

I have applied for assistance from the homeowners assistance fund in Nebraska. I was approved back in XXXX but Wells Fargo isnt providing any help in this problem and has continually fed me lies. They are not doing anything to rectify this. The funds are available for me to help with my mortgage payments but for some reason that Wells Fargo cant explain, nothing is being done on their end. I am close to being foreclosed on. Please help before I lose my house which Ive been paying on for more than 20 years.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (CO)

The Tradelines XXXX XXXX XXXX are outdated and paid, I have asked the credit bureaus to remove these invalid tradelines because they are hurting my credit reporting.
Consumer complaint received 2022-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX
Consumer complaint received 2019-05-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (NJ)

On XX/XX/2019, I called XXXX regarding a past due bill which I have been disputing the final amount due. They informed me that my account was with Diversified Consultants, Inc and they gave me the number to call but were able to transfer my call. 
I tried explaining to the representative that I do not owe the amount and the reasons why I felt I didn't owe the total amount. 
The representative got very rude and stated that she can offer me a settlement of {$310.00} but I should know that I've broken the contract by moving and she will not go any lower since it's my fault for breaking the contract. I tried explaining that the area I moved to does not offer XXXX. I asked to speak to a supervisor, she placed the call on hold then came back pretending to be the supervisor and before I start talking she hung up the phone. 
XXXX charged me a reconnection fee after I requested to close my account. My account was not closed the first time I requested and was subsequently closed after my second or third request. I was assessed late fees, reconnection fees and termination fees although they didn't offer the service in the neighborhood I moved to. 
This is unfair and unreasonable even by their standards. I checked their contract terms and I was not supposed to be charged a termination fee for moving outside their service area. According to their collection rep ( Diversified Consultants ),  its not their fault I moved outside XXXX 's service area and I must pay the amount of the final bill.