davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX my wallet was stolen from my apartment in XXXX XXXX, NY. Within 2 hours {$2400.00} was stolen from my account and I contacted Bank of America to alert them and request a freeze on my account. 

A police report was provided to Bank of America within 48 hours of the theft. 

The fraudulent transactions were made through XXXX XXXX  with my debit card number that the suspect stored on their phone ( digital wallet ). Bank of America incorrectly issued me a new debit card, did not freeze the account, and thereby automatically updated the debit card number in the suspect 's digital wallet. 

Because of this mistake by Bank of America, the suspect regained access to my account on XX/XX/XXXX and XX/XX/XXXX and stole another {$1200.00}. The total loss suffered became {$3600.00}. Upon discovering these new breaches I demanded a full stop on all transactions in and out of the account for a second time. Bank of America chose to remedy the situation with an {$880000.00} hold. 

An updated police report, stating the new total loss suffered, was provided to Bank of America. 

Today is XX/XX/XXXX and I have only received credits for {$1200.00}, and the account remains frozen. Bank of America has not paid the remaining claims ( {$2400.00} ) because of supposed " bank operator error '' on multiple occasions and I can not get them to properly remedy this situation. 

The final 2 claims of {$1200.00} each were most recently " closed as duplicates '' even though bank representatives told me these were opened as a result of the bank 's mistakes on previous claims. The bank started a debt collection process on the remaining {$2400.00}, and is not upholding their fraud protection guarantee.
Consumer complaint received 2020-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (LA)

My home mortgage is with Lakeview Loan Servicing at XXXX. XXXX XXXX XXXX  XXXX, VA XXXX. Loan # XXXX In XX/XX/XXXX I purchased a new homeowner 's policy with XXXX. I notified the mortgage holder and they paid with money in my escrow account. 
XX/XX/XXXX they were supposed to renew policy with funds in the escrow account. I discovered in XX/XX/XXXX that the policy had lapsed so I had to rewrite policy with my agent. The premium was paid with funds in escrow. 
The mortgage holder informed that I needed to show proof that I had insurance for the lapsed period or they would force place a policy for the " past '' year. 
My complaint is that I was not informed that my coverage had lapsed when it actually did when the company failed to renew policy that was in place. No coverage was issued at that time in XX/XX/XXXX, I was not informed that I had no coverage. And I can not understand how any Insurance agency can issue a policy for the " past ''. 
The company has already paid for this policy with funds in my escrow account leaving me with a negative balance and increased my monthly payment. I am retired and living on social security benefits. This increase will place a hardship on me for some time. 
I ask that you please look into this matter.
Consumer complaint received 2020-02-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Someone wrote a fraudulent check on my business account which I reported within a week of it being cashed. The person who cashed it also signed it and endorsed it with his name so nowhere on there is my endorsement or signature. However, the teller cashed it anyway. 

I lost my checkbook unknown to me until the time I noticed this fraudulent check. The checkbook had been in my glove compartment of the car however since I was using them, they could have been in my purse instead. I have no idea how the checks got removed so I can only believe that someone entered my car or the checkbook came out of my purse when leaving the car. 

I have been denied 3 times by the bank to reimburse me for this large check. One of the denials, I was told that it was due to a police report which I did get. 

By the way, I have not received ANY other responses except for the first denial. I have spent hours checking on this, calling on it and they are very uncaring. 

I have several accounts with Chase but I will be leaving them because of this. The biggest reason I have an issue is that the bank should have done diligence to see that the check was not signed or endorsed by me. Nowhere was my signature but now I am responsible for the funds that they were negligent about cashing.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (MD)

Over time of Trying to communicate with IQ data international, the way they speak to a person on the phone is very very rude and distasteful. They blame you and make you feel bad for why you even have a debt with them in the first place. Now with covid and its variants things have changed drastically, less hours at work, deaths in the family and with this inaccurate information once the account was closed and sold. I can not get cooperation from this colony whatsoever. Im trying to find a new home for my family but trying to resolve this debt is in the way. And I dont know who to communicate with other than them because they hurt your feelings, make you feel bad, theyre rude as XXXX and they make you cry over the phone. Its heartbreaking, Im just trying to cover what debts I can in this pandemic. I cant get anything extra because of a balance Ive already figured out and had settled 2 years ago. Please help Im desperate. I need a way to feed myself and my family.
Consumer complaint received 2020-02-12
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: EQUIFAX, INC. (CA)

Equifax - I put a credit freeze on this account ( all three credit bureaus ) in XX/XX/XXXX ( when I heard about the breach at Equifax ). 

All was fine until XX/XX/XXXX, when XXXX XXXX called and informed me that someone tried to apply for credit. ( Not me. ) I called all three agencies, learned that Equifax was called by someone ( a perp, a fraud ) on or before XX/XX/XXXX, wherein Equifax believed that the caller was me, and removed the freeze. 

Then the fraud tried to apply for a card at XXXX XXXX. 

This is the second time I have had my security breached at/by Equifax. The first time likely being the Spring XXXX breach of 145 million accounts. What is the price ( cost ) for that behavior? Who pays? Who pays me for my time to straighten out Equifax 's lack of security/protocol, a far-less than professional outfit? 

I have written a letter, dated XX/XX/XXXX, to Equifax that addresses all the above. XXXX  XXXX is sending me a letter that recaps what they did ( including our conversation ). 

XXXX XXXX has issued me a complaint ( fraud ) ID : # XXXX I am seeking from you ( or the Federal Trade Commission ) a reference number so I can approach all three credit bureaus, and place an Extended Credit Block ( 7 years ) on my account ( s ).
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (PA)

I have been struggling making payments for this loan for three months. I have been trying to get in touch with someone at American Education Services to fix this so I could get the loan out of delinquency and get on a better payment plan that I can afford. They always would tell me that I need to fill out financial information papers that they didn't have on hand and would print and send out. They told me it would take 10-14 days to arrive. A whole month has passed and it still has not come to my mail, which i check everyday. They have given me a hard time every time I call and ask for the papers and many employees give different answers from the others. This is going to ruin my credit as well my cosigners credit.
Consumer complaint received 2019-05-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: MiraMed Revenue Group LLC (NY)

There is 2 amounts on my credit report and both amounts should not be there. 
{$500.00} & {$640.00} for dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have had full insurance medical benefit - I do not know why this is on my credit report. 
I called the company to try to dispute it and they were not helpful at all. 
I have my paperwork of the claimed being paid by my insurance company. 
When i call the company contact on my report they wont help me. 
I want both charges off my credit report immediately. 

Company contact info is : Miramed Revenue Group XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2020-02-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2020, I contacted TransUnion regarding 12 unauthorized inquires on my credit report. I had been car shopping and authorized a dealer to do a " soft pull '' on my three credit reports. Instead, not only did they do a " hard pull '' themselves, they sent my personal information ( without my verbal or written consent ) to a number of third party financing companies. The car dealer said I would have to contact the credit bureaus : they could not remove the inquires. While I had not problem contacting XXXX  and XXXX and having the unauthorized inquiries removed, TransUnion 's response was that they did not conduct inquiry disputes and that I would have to contact each third party creditor directly to have them remove the inquires. One by one I contacted the creditors : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. and each time I was told by the representatives of the respective creditor I contacted that they could not remove the inquiry and that I needed to dispute it with the credit bureau ( TransUnion ) to resolve the issue/have the inquiry removed. Again, I contacted TransUnion on XX/XX/2020 and explained to the new representative to whom I was speaking that the creditors are telling me that I have to file a dispute with them. Again I was told they do not dispute inquires, but then was told to write them a letter in regards to what I was disputing. I asked if I could fax the letter to them, for expedience sake, and was told they no longer allow disputes by fax. My concern is, that after sending and them receiving the inquiry disputes, is that they will not act on them as they are legally required to given the fact that they are now telling consumers ( I have read other reviews on complaint boards ) that they do not dispute inquires. Considering each inquiry can lower your creditor score by 2 points or more, and a high number of inquires can cause a denial for credit on its own ( even with a good credit score ), TransUnion 's position is causing serious potential financial hardship to people who are trying to improve or maintain their financial status.
Consumer complaint received 2019-05-10
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. (PA)

I requested that the following collection accounts that are being reported be verified and/or validated with TransUnion : Collection Agency : XXXX XXXX XXXX, XXXX Original Creditor : XXXX XXXX XXXX  ( USA ), XXXX. 
Balance : {$660.00} Account Number : XXXX Open Date : XX/XX/XXXX Basis of Dispute I never had an account with this creditor and I do not owe this debt. 

Collection Agency : XXXX XXXX, XXXX ( XXXX ) Original Creditor : XXXX XXXX XXXX, XXXX. 
Balance : {$1100.00} Account Number : XXXX Open Date : XX/XX/XXXX Basis of Dispute I never had an account with this creditor and I do not owe this debt. 


I received a response indicating that both accounts were verified as correct. I then following up in writing requesting the method of verification and who was contacted to in fact verify these accounts as I was never able to verify myself by sending the following : I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have contacted both collection agencies and both have failed to verify this debt and I was provided no evidence. 
In compliance of this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is completely unacceptable. I am requesting a re-investigation along with your method of verification as obligated by law. 
The items in question are inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect these items will be removed from my credit file immediately. According to this regulation, I may sue you in any qualifying state or federal court, including small claims court in my area. While I would prefer not to involve the courts and the news/media to enforce my rights, I wont hesitate to do so if you refuse to comply with the law. 

To date, none of the requested information was received.
Consumer complaint received 2015-09-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit Management Inc. ( " MCM '' ) never responded to my XXXX XXXX, 2012 letter requesting verification of the underlying XXXX XXXX Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by XXXX XXXX Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score.
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (CA)

I expressed to Prestige financial that I lost my job about would need assistance with the XXXX payment of {$390.00}. I was advised that I would be able to pay a reduced payment of {$190.00} for XX/XX/2020. I called in and paid {$200.00} to them on XX/XX/2020. On XX/XX/2020 I began to get countless of harrassing phone calls and e-mails from them about when I can pay my XXXX payment which is not even due until the XXXX of XXXX! I have told them on numerous of occasions to not blow up my phone like this. They also stated in one email that I owed $ 600+ which is inaccurate and is confirmed through an email through them stating I was current in my payments. For some reason they are claiming I owe {$73.00}? How could this be possible when they stated I could pay {$190.00} for XXXX?
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (MO)

Admittedly, I unknowingly participated in the process by providing essential personal information before I realized I was being scammed. On XX/XX/2022, I called a number from an email invoice supposedly from XXXX on the purchase of an XXXX laptop for {$340.00}. Since I had not made such a purchase I called the phone number ( XXXX ) to inquire. Identifying themselves as XXXX XXXX XXXX  Fraud Security Unit. I was informed that my XXXX account had been hacked. The laptop was purchased by a " XXXX XXXX in Ohio '' I was asked questions about if I knew the person or anybody in Ohio that would have access to the account etc. I responded NO, I rarely use the XXXX account. Instructed to go to XXXX XXXX and download " XXXX ''. They took control of the cell phone, I was instructed not to touch it or answer calls that were coming in. They signed me up for Wise.com using the personal information provided. Apparently, they knew I had a XXXX XXXX credit card because they asked if I had it. They used that information to charge {$1000.00} putting it into the Wise account they set up in my name. ( This detail I discovered through my investigation ) When I protested the charge to XXXX XXXXXXXX " No mam, no charges to your account this " is blocking codes '' so we can block the Ohio hacker. {$990.00} was sent to XXXX XXXX ( XXXX ). I became suspicious when another charge was attempted for {$850.00}, however, it did not go through declined by XXXX XXXX. I was asked for another card or if I had a XXXX XXXX account. By now knew this was not right and a scam. Protesting and refusing to cooperate further, I was transferred to a Manager, XXXX XXXX who tried to convince me they were legitimate. However, while on hold though told not to move my phone screen. I more closely evaluated the initial email that prompted my phone call and realized it was phishing. The bottom line this {$990.00} charge was obtained fraudulently. I am disputing the {$1000.00} charge with XXXX XXXX and seek your cooperation in getting the {$990.00} from XXXX XXXX ( XXXX ).
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

ATTN TSI THE FOLLOWING DOCUMENT WILL PROVIDE PROOF THAT PAYMENTS HAVE BEEN MADE EACH MONTH TO XXXX XXXX XXXX  XXXX. THE BALANCE IN WHICH YOU HAVE IS NOT REFLECTED ON THE STATEMENT THAT XXXX  XXXX  HAS SENT ME NOR THE ADDITIONAL CHARGE YOU STATED THAT SHOULD HAVE BEEN APPLIED IN THE AMOUNT OF XXXX OR XXXX. EITHER BALANCE OR CHARGE IS NOT ON ANY STATEMENT THEY HAVE SENT. YOUR ADDRESS AND PHONE NUMBER IS ALL THAT IS PRESENT. THEY ALSO SENT A STATEMENT INDICATING THEY HAVE NEVER BEEN PAID TO MY UNIT WHICH IS SLANDER AND DEFAMATION OF CHARACTER. THESE ACCUSATIONS WHERE FALSE. I WOULD LIKE A LETTER OF APOLOGY FOR THE FALSE CHARGES AND STATEMENTS FROM WITH ORGANIZATION WITH THIS CARD BEING SOLEY IN YOUR POSSESSION AND I PAY YOU OR THEM NOT BOTH WHERE TWO CHARGES THAT ARE BEING APPLIED AND THE PAYMENTS ARE NOT BEING REPORTED ACCURATELY.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (RI)

My mortgage company XXXX XXXX had a data breach in XXXX. I was sent a letter in XXXX about the incident. My mortgage company is s sister-company. My name, social, and personal information was affected. 

TD Bank I received a letter saying that I requested an address to be added to my TD Bank Cash Credit Card. I contacted tran-union to freeze my credit. That was XX/XX/XXXX. On XXXX I got a phone call from a risk company asking if I charged {$7800.00} on this card. I said no then asked about XXXX XXXX for {$1000.00}. I said no and there was a few other charges all made in Georgia. That was done in the state where the address addition was requested. I called TD and cancelled the card on XX/XX/XXXX. I asked them for new cards, and told them what was going on. We thought it was getting looked at. We received a statement in the mail saying the accrued amount was {$14000.00}. We called and got the fraud department. The person said, that he could see that we cancelled the card, and someone tried to get into the card after it was closed. I listened to the phone call that recorded of the person trying to get into the account. It was a younger person. We thought it was getting desputed, but we never received any correspondence. I then received a letter saying that I owed {$540.00}, and it was going to go to collections. I called and found out that they did nothing with it. They also took the flag that was on this account off the account without my knowledge. We called, XX/XX/2024, the person put notes on the side, but never did anything with it. We now received a claim number XXXX. The charges were all made online.
Consumer complaint received 2019-05-10
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: SYNCHRONY FINANCIAL (GA)

I had made a purchase for an antivirus program online. It was not what I needed or expected so I asked for a refund and it was not given. I then filed a dispute through papal. The antivirus company emailed me stating that if I cancel the dispute they would refund the monies. I did as instructed and I am still being given the runaround by this company and they have not refunded the monies. I contacted Paypal explaining and they stated too sad, too bad attitude. They stated because I cancel the dispute I am out of the money. This third world antivirus company should not be able to mislead the consumer in believing they will receive a credit and they do not follow through. Apparently, they are well aware of paypals policy and that is why they told me to cancel the dispute.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I closed my AmExp credit card a couple of days ago and suddenly got an email from them today that they took my bonus miles away. I called them and was told that I was supposed to keep the credit card for at least one year. However I was never told about this requirement either when I opened the account or when I closed it. Otherwise I would have done it differently. This was a scam, trying to sign up consumers without informing them about all the fine prints. It's wrong. They should not reverse my bonus miles that were given to me several months ago.