davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-11
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: DISCOVER BANK (CA)

Case XXXX This is a response to the case that was closed on XX/XX/XXXX. 

1. Call phones have experienced a widespread port-out scam therefore security codes etc have been rendered useless. XXXX XXXX XXXX XXXX XXXX XXXX My carrier, XXXX has sent out multiple alerts about this and I had even reiterated the risk of this to Discover.

2. A new card was requested in XX/XX/XXXX and sent to my home address. Yes, this was requested by me, because of the ongoing case since XX/XX/XXXX and a new card had to be sent out.
Consumer complaint received 2018-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (IL)

This debt is from XXXX I closed the acct due to a move In XXXX I called them to return the equipment. They sent me a XXXX label I returned the equipment via the XXXX store on XXXX XXXX in XXXX I've tried to contact XXXX cable company several times over the last couple of years about the amount they are reporting on my credit reports The amount is incorrect and all equipment was returned via XXXX in XXXX. They still have not changed the amount owed {$1300.00} which is causing an issue on my credit reporting. I've even disputed with the credit reporting agency with no assistants. I should only be charged for one month of service with XXXX. 

I've contacted XXXX several times for them to notify me that my account is un-locatable or they can not pull the XXXX information or as recent as yesterday I'm not in there system.
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (IL)

I am a victim of identity theft, I had 39 applications in XXXX and XXXX from Synchrony Bank for store retail cards, credit cards, balance transfer credit card, gas credit card, I followed the list from FTC for victims of identity theft and I filled 2 police reports in XXXX for identity theft with the local police department, 1 report for stalking, 1 report for harassment by phone, 4 identity theft reports with FTC for every time the cards were used and a billing statement would appear in my mail box. 
It became worst when the identity theft escalated to mail theft, most cards applied for and issued by Synchrony Bank were either forwarded to a clandestine address and never received or stolen on the mail without a trace. When contacting the bank in XX/XX/XXXX I was assured that every account would be closed and removed from my credit without hurting my credit score. 
48 hours later I called to follow up on XX/XX/XXXX and the Synchrony Bank associate had no history of my phone call, I took 28 phone calls to every department store working with Synchrony Bank to receive a letter in the mail from their fraud department to fill it up the fraud forms and provide the police reports. My credit went from XXXX credit score to XXXX and still dropping, a year has passed and every month an account from Synchrony Bank shows up in my credit report and a letter from the bank stating that I am benefiting from an account that I don't even have the credit card. 
In XX/XX/XXXX I was robbed in my office/work at XXXX XXXX XXXX, at XXXX, MD, whereas my driver 's license, my paycheck, my cash, my house keys all were stolen from my desk but I took the necessary measurement at the time and filled a police report at the scene. 
I am a victim of a crime, I even involved the State Attorney of Illinois which she provided a letter stating that no reporting to the credit report should be allowed under Federal Law resulted from a crime investigated by its office.

Just to resume : 5 police reports, letter from FTC for Identity Theft, letter from the State Attorney of Illinois for Victim of Crime ; It is not only illegal to collect the theft but the points lost every month of XXXX points for an account pass due or maxed out that I have no ownership of the shopping spree.
Consumer complaint received 2018-04-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services (PA)

In the month of XXXX, I opened a loan on an existing account.My initial invoice noted 'please pardon our progress'..we are not able to include your balance at this time. ' I continued to pay the invoice in good faith fr several months. I then called and reminded the creditor that it is legal bussiness practice to include my payment as well as the future balance with the payment deducted ( past balance ). I reminded the csr that I was sure that when he paid his personal invoices, this information was included. He agreed.Asking for patience with the company update, I relented. Six months later, The representative tried to get me to emphathize with their company 's struggle with thier system. I adamantly replied that I pay my invoice on time and noone from her company concerns themselves with my struggles. I pay the invoice on time ... Every Time. Please review my payment history..over 26 years. This company has changed hands twice since XXXX  when I initiated a bussiness relationship with them. At this point, I have not received a balance in a year of payments. So, I am not prepared to pull out the initial Loan agreement from XX/XX/XXXXand then pull out check ledgers to find my own balance, only to have this company dispute my math or interest calculations. This is not a reasonable requirement of me. I also refuse to call every month for a balance. In America, if it's not on paper, it holds no weight.At this point, I refuse to pay this company until it provides me with a record of all payments, deductions and balance calculations for every month of the Loan. This will circumvent any descrepancies.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

Ignorant applications of RESPA statutes to a all complaints prior to today, when reviewing statements and documentation, resulting in wrong late payment reporting to XXXX, Experian and XXXX by XXXX, XXXX and XXXX XXXX.
Consumer complaint received 2023-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NC)

I contacted AMEX in regards to XXXX payments we submitted that would be returned due to an accident involving our bank accounts. AMEX reassured me over the phone that a returned payment would not be an issues, rather that we would only incur a small {$39.00} fee. 

The returned payments came and went, we made substantial large payments to heavily pay down our balance in the amount of {$4000.00} & {$7000.00}. This was all fine until yesterday. We opened a new AMEX business account for another company and our account was sent to financial review, during the review they saw the XXXX returned payments, and charges with a company that they deemed was " affiliated '' with us, which they provided no explanation about how they came to this conclusion. After making this review they immediately closed my long standing account ( since XXXX  ) and also suspended our new account. 

AMEX baselessly closed these accounts and refuses to provide any valid reason for the closure even though we were upstanding users and made on-time honest payments for years. We were never late and never carried a balance over our limit.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my TRUIST BANK account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (OH)

I spoke with XXXX XXXX on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.
Consumer complaint received 2018-04-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/17 Bank of America debt collectors phone number XXXX contacted my mothers home and provided information in regards to my debt to my mother. She is not a co-signer. The only information they asked for her to verify was my date of birth. No other verification were asked. 

They continued to give private information to my family member. When I called the debt collectors to inform them that they did not verify the correct person and informed then that their verification process is not strong enough they hung up the phone on me ( supervisor XXXX XXXX ) not 100 % sure of last name. I called again spoke with Manager XXXX XXXX and he assured me that XXXX will never hang up the phone. Which she did. He indicated that they can not protect information if someone impersonates me. I informed him if the verification process was stronger their would be no room for impersonation. He was extremely sarcastic when I asked why didnt you verify address or social and he responsed with a snarkly comment your mother does not know your address?
Consumer complaint received 2018-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

I had a account with American Express Business that went to collections. I was a XXXX XXXX of a XXXX XXXX in my local area when the account went to collections in XXXX. Since the summer of XXXX the account was settled and resolved with a {$0.00} balance.
Consumer complaint received 2022-06-14
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: TOYOTA MOTOR CREDIT CORPORATION (OH)

I spoke with Toyota Financial on XXXX XXXX regarding a late payment that was reported for XX/XX/2022. Representative researched issue and stated I have never had a late payment on this lease, that it has to be credit bureaus issue. She gave me the phone number for the credit bureaus but was unable to reach a real person.
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (MD)

I was XXXX from XXXX XXXX until XXXX XXXX. During that time, a relative used my personal information to obtain credit, goods and services in my name. There have been car loans, bank accounts and not so successful attempts to get a mortgage. I have been pretty successful in providing documentation to creditors and debt collectors listed on my credit bureaus and subsequently having the negative information removed. Except the following two companies. Receivables Management Systems Account Number : XXXX This company is collecting for XXXX XXXX, a express medical facility. I have been able to provide significant information that proves that this debt was not incurred by me. I provided all of my records from the XXXX XXXX XXXX here in Maryland which lists the date I began my XXXX to the day that I was released. Since XXXX, I have left voice messages for a supervisor named XXXX, who never seems to be available when I call him. I have had better luck speaking with a representative named XXXX XXXX, but even then she is limited in what information she can provide. When I last spoke with her on XXXX XXXX, she told me that the agency was waiting to find out from XXXX XXXX if I was serviced there as an XXXX - which I certainly would not be. I left another message for XXXX XXXX yesterday, after waiting a full two weeks and I still have not heard anything back.
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I received a check in the mail, and went to my 5/3 bank to deposit it. When the clerk came back, saying that the check could not be verified, she gave me the check back and said to check with the company that sent it. I called the number on the letter that accompanied the check, and was instructed to mail everything back, and that they would look into it. After I did so, I never heard anything else back from the company, and when I went back to my bank, I was instructed that they had closed my accounts and seize my remaining assets because the check I attempted to deposit was suspicious. I was then told that my balance would be mailed to me, and that there was no one I could talk to in regards to this incident. I was also told that had the check not been returned to me, that the outcome and actions taken by the institution would have been significantly different.
Consumer complaint received 2019-03-22
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. (FL)

Emergency room visit year XX/XX/XXXX. I was uninsured and nearly died. I paid extensive amount back. The creditor said they saw I had paid so they dug up my records and saw this one from XX/XX/XXXX so they added it to my report as new in XX/XX/XXXX in XX/XX/XXXX stating as new debt. Asking for this to be deleted off my credit report. Very very old and creditors asked if I can pay more rather than settle. It was XXXX hospital for {$320.00} emergency visit. financial assistance never offered at the time for medical debt
Consumer complaint received 2018-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

This letter is your formal notice to cease your two unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : Onemain Made on : XX/XX/XXXX - XX/XX/XXXX Made with : XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2019-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account was paid and the creditor XXXX agreed to delete from Credit Report. Because it was in collections it was sent to a collection agency/law firm. XXXX refuses to remove the debt from my credit report despite representing that once the debt was paid they would. 

Here is the information as it appears : Legally paid in full for less than the full balance Election of remedy - reported by subscriber
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

I called navient on XX/XX/XXXX to put a check on file for the balance to be paid XX/XX/XXXX, navient ran the payment on the XXXX and I got a XXXX   dollar bank fee and had a XXXX  dollar bill and XXXX expense that now went into my line of credit through my bank. I called navient on XX/XX/XXXX to make them aware of unauthorized payment, I sent over bank statement to prove charges. I called navient XX/XX/XXXX gave my account info for a refund of XXXX but instead navient ran a payment again for the full balance on my account which made another bank fee. I have spoke to several representatives and get something different every time, navient doesn't want to reimbursed me for 3-5 days. so onXX/XX/XXXXwhen I call to pay my balance off it's showing I don't owe anything.
Consumer complaint received 2023-03-28
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (TX)

Dear Sir/Madam, I opened a 5-year CD with BMO Harris Bank on XX/XX/XXXX. BMO withdrew the principal of {$100000.00} from my checking at XXXX  XXXX XXXX on XX/XX/XXXX. BMO sent an email confirmation of receipt on the same day. The terms of the 5-year CD are the following : CD term : 60 months Interest Frequency : quarterly/every 3 months after the last pay Interest payment method : XXXX. 
Interest rate : 4.162 % Interest APY : 4.25 % Maturity Date : Date : XX/XX/XXXX Last Renew Date/Opening Date : XX/XX/XXXX. 

The first 3-month interest period was from XX/XX/XXXX to XX/XX/XXXX, comprising 92 days. Based on my calculations, the total interest accrued for the period should have been {$1000.00} ( vs. {$1000.00} BMO deposited for the period ). 

When I contacted BMO Harris Bank regarding the discrepancy on XX/XX/XXXX, I was passed on to multiple departments and representatives in a total of one and a half hours. The Everyday Bank Specialist admitted that the first 3-month interest of {$1000.00} deposited to my CD was incorrect and that my calculation of {$1000.00} was the right amount. However, the Everyday Bank Specialist said he could not make the correction because it had to be done in the system from the back office. 

When the bank 's back office was contacted, the system department was unable to correct the problem either, and I was told that I would have to visit a BMO branch to get my money back. As I live in XXXX XXXX, TX, which is thousands of miles away from XXXX where the bank is located, this is an unreasonable and unacceptable solution. 

I was eventually transferred to a Solution Specialist named XXXX, who said she would also have to reach out to the back office. However, when I asked her to send me a written response regarding the issue when she heard back from the back office, she said she could not send any written response or email but would call me back in 5-7 business days. But that phone call never came.

I followed up again with BMO Customer Service and was told the correction could only be made by the back office and customer service representatives could not make any corrections. It has been more than a month since I contacted the BMO for the discrepancy, and things went nowhere. The issue remained unresolved. 

I hereby request your help to have BMO Harris Bank refund my {$41.00} shortchanged for the very first 3-month interest deposit. More importantly, BMO Harris Bank needs to make sure the system setup was correct going forward as it is a 5-year CD. If the first 3-month interest was erroneously calculated, it will impact the interest compound for the remaining term of the CD ( 4 years and 9 months ).

BMO Harris Bank has a responsibility to correct its mistakes promptly and transparently. I appreciate that CFBP would investigate this matter and take appropriate action to ensure that BMO Harris Bank complies with federal regulations and treats its customers fairly. 

Thank you for your help and attention to this matter.
Consumer complaint received 2022-07-21
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.