davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2019 I received a check from my employer for XXXX dollars. I deposited the check with Bank of America on the same day to receive a notice that my check will be held till XX/XX/2019. I called on XX/XX/2019 to ask if the funds can be released earlier as my employer messed up with my direct deposit and I needed funds for my car payments, rent, credit cards, medicine ( my wife just went through surgery ), and groceries. When I spoke to the representative on XX/XX/2019 at XXXX XXXX   EST, I was informed that any check or ACH payment from XX/XX/XXXX forward would go through without any fees since there is a pending check on hold and that when the check cleared it would just be reconciled when it cleared, this was all on a recorded line. I explained that I did not want them to go through if they were going to become non sufficient, I was informed I could process these payment without any issues however I would not be able to use my debit card. On XX/XX/2019 I checked my account and noticed all my ACH payments had gone through but with NSF fees. I called Bank of America to figure out why and to get these fees reversed and was explained that the representative provided me incorrect information on XX/XX/XXXX and that all my payments would be returned. This now makes me late on all my payment with accumulated fees from my creditors. I spoke to a manager and to no avail was completely turned down on Bank of America taking any accountability and allowing these payments to go through without any fees. I asked to have my check returned to me so I can cash it and was denied the right to my own funds as well!! At this point I either want my funds available as this is not a federal regulation and my payments to process with all fees refunded or I want my check returned to me, fees removed and my account closed immediately. I have never dealt with a bank holding my funds with no access to any money for my bills or food for this long. This needs to be fixed before further action continues.
Consumer complaint received 2019-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC. (FL)

I have an auto loan with Exeter finance. Ive had this loan for almost 6 years. I am supposed to have two remaining payments in the amount of {$380.00}. I received a letter from them stating that there is an extra almost {$1500.00} worth of interest applied to my loan because they put two loan payments on the end of my loan five years ago. No one ever told me that they were going to be assessing an extra {$1500.00} worth of interest, and then they send me a letter threatening to report me to the credit bureau if I dont have that extra {$1500.00} paid off by the end of my loan on XX/XX/XXXX. This loan has been current for five years or so. I attempted to call them and speak to them about it, theyre trying to tell me that what theyre doing is OK and that I have to pay it and if I dont pay it then theyre going to repo my car and report me to the credit bureau. I have made 70 payments on this car, Im supposed to have two remaining payments, I signed a contract for 72 payments, and now they want me to come up with an extra {$1500.00} in a month. I asked them to produce proof that someone even spoke to me about this or I signed something saying that theyre going to assess an extra {$1500.00} and the woman told me because Im in Florida that they dont have to do that. I dont understand how a business can be deceptive and then take something from me that I have paid for for six years.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

I held XXXX particular American Express account since XX/XX/XXXX, that has a {$30000.00} credit limit. In approximately XX/XX/XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XX/XX/XXXX/XX/XX/XXXX.  for American Express, Amex could not find that account at all. At that time, American Express cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, American Express began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact American Express but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to American Express to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (PA)

I am trying to verify the validity of an alleged debt. Every time I contact the debt collection agency they state they need more information to look into it. However, when XXXX  or the CFPB contacts them they're able to verify the debt with no issues. 

I want the debt collection agency to either send me validation of the debt or remove it from my credit report. I never received any notice that this item was being reported on my credit report. 

I sent a letter to Receivable Solutions LLC on XX/XX/2021 disputing a debt. I provided them with the amount, the original creditor, and a partial account number that I retrieved from my XXXX  credit report. Receivable Solutions LLC received the letter XX/XX/2021. They responded via a letter dated XX/XX/2021 requesting the " guarantor 's SSN or date of birth, guarantor 's address and telephone number, name of health care provider. '' I can not provide this information since I do not know what this is for. Additionally, I'm not obligated to provide this information. 

I disputed the debt with XXXX  on XX/XX/2021 and provided them with a copy of Receivable Solutions LLC 's letter stating they could not " identify the correct account. '' This dispute was not changed on XX/XX/2021 because Receivable Solutions " certified to Experian that the information is accurate. '' XX/XX/2021 I filed an initial complaint with CFPB ( XXXX ). Receivable Solutions LLC stated they were able to locate the account, but the account was " not credit reported by [ their ] company. '' And " the matter is considered closed in [ their ] office. '' However, this is not true. The matter was and currently is reported to XXXX. I submitted a comment to this effect. CFPB did nothing with this information. 

So I submitted another dispute to XXXX  on XX/XX/2021 with a copy of the CFPB complaint where Receivable Solutions LLC states that this matter is " not credit reported '' and requested it be removed from my credit report. On XX/XX/2021 XXXX  closed the dispute without removing the account because Receivable Solutions LLC " certified to XXXX  that the information is accurate '' despite the fact that they told the CFPB the item is " not credit reported. '' Receivable Solutions LLC is required to validate the debt upon notice of my dispute. They did not due so. They stated they couldn't locate the account. However, Receivable Solutions LLC certified the debt as accurate to XXXX  twice so far. They then lied to the CFPB and stated the debt was not " credit reported '' even though it was. Receivable Solutions LLC is very clearly a bad actor in the debt collection industry that will continue to violate Federal law until they are held accountable.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

I'm XXXX XXXX, natural person received a collection letter dated XX/XX/2022 from Healthcare Revenue Recovery Group stating I owe a debt of {$180.00} and {$85.00}.

I do not know who Healthcare Revenue Recovery Group is or how they got my private information. They violated my privacy rights and did not have my prior consent to contact me about a debt pursuant to 15 usc 1692c ( a ). They are violating my consumer rights pursuant to Fair Debt Collection Practices Act 15 usc 1692. I disputed this letter on XX/XX/2022. They caused me to be stressed out. I haven't heard anything from them.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Neon Newco Corporation (MN)

XXXX XXXX, ( Netspend ) a subsidiary of XXXX withholding around XXXX USD. I called to close the account and the next day they created a fraud block and told me I needed to send in documents like SS card, ID, and proof of address. None of my proof of address documents would be accepted and they wanted documents from my old address on file. They would not accept documents for my new address which I had changed to prior to closing the account with the representative. I do not receive mail at that address anymore obviously and can not receive mail there. They do not care. They told me it's the only way to access my money. 

This company is negligent and outright unconcerned with customers wanting to access their money. They fail to do simple tasks such as fulfill a change of address prior to account closure, they fail to provide reasonable customer support in response to their failures, they start a fraud block on an account due to a closure request, so I can't even access my money now.
Consumer complaint received 2020-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX # XXXX is reporting a charge off with a balance that should not be on there. I have settled this account and it should not be reporting a balance to my credit.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

In XXXX and XXXX of 2019 I made two separate orders at Macys.com. These orders were delivered successfully. 

The Macys app correctly showed both orders as paid in full with no further purchases. However, when my paper bill arrived there were numerous fraudulent charges during that period that were NOT listed on the Macys app! 

I filed a fraud report with Macys ; they replaced my credit card. However, after speaking with dozens of Macys employees, receiving multiple letters from different departments ( no one seems to talk to each other! ) the issue is still not resolved. 

I am also receiving DAILY emails that I have a credit balance! These emails seem to be designed for people who dont pay their bills I have a credit according to Macys and I find these daily email security alerts harassment. I can only imagine people who arent able to pay their bills are also receiving daily alerts. Isnt that illegal? 

When I called Macys to tell them according to my records I dont have a credit balance, they said theyd fix it. The next statement DOUBLED my credit balance. 

When I called today to ask them to stop sending me daily emails, they said theyd issue me a refund check which would stop the emails. They were not interested when I said the credit amount was in error. 

What a hassle and they still havent resolved the fraudulent activity on my account!
Consumer complaint received 2019-10-12
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-14
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This year when I applied for credit I was told that my credit score was lower, but only with Transunion and the other two XXXX or XXXX, and I tried to get my updated credit report nd score from them, but still cant get it even through the annual credit report? The bottom line the score they have is false and they need to correct it, so I want to file a complaint and wonder they somehow have it lower than others?
Consumer complaint received 2019-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: HOME BANCSHARES, INC. (AR)

I'm in Dept to the courts and child support and it's gotten so bad I can not even afford to turn the electric on at my house or uptain auto insurance to commute back and forth to work. And I'm barely hanging on by a thread if it wasn't for my neighbors and my brother XXXX I'd probably be starving to death I even owe centennial bank {$1400.00} XXXX XXXX {$260.00} and my old boss at XXXX XXXX {$420.00} for helping me get my license reinstated and my tax guy XXXX XXXX at XXXX XXXX XXXX XXXX almost {$1100.00} I could really use some kind of assistance with all of this.
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I recently started looking into my credit report because I plan to buy a house in the next year. When I pulled my report I noticed multiple late payments shown under my student loans with  XXXX   XXXX . I called into the customer support line  XXXX   XXXX ,    2017  and inquired about the late payments. The associate confirmed my loans were deferred or in forbearance at the times of the reported late payments. Since there is no way to report my loans as current and late at the same time I requested the derogatory information be removed from the my reports. The associate informed me  XXXX   XXXX  would not be able to do that. I have sent letters to the company and am currently awaiting a reply.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (TN)

XXXX, a Wells Fargo company, claims I opened an account with them in early XXXX w/ a limit of {$6200.00}. I did not open this account nor did I ever use it. I would never do business with a Wells Fargo company due to their practices and consumer lawsuit history. When I saw the account on my credit report in XXXX, I called them, told them I never opened the account and insisted they close it. While they did they reported that they closed it instead of noting it was their mistake. I believe them to be a predatory company & should be investigated for same.
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (VA)

FCO claims I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX   XXXX and was told they no longer own the property and XXXX does. I called the company and was told that it was a application that I was supposedly did online which I did not. They are also shocked it went to collections and that they no longer seeking money even if I did it! So the only people collecting the money is the collection agency when I never applied I can show verification where I was living. So this account is not mine and sorry they are collecting or trying to collect money from a debt that isnt mine
Consumer complaint received 2024-03-25
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: Future Judgement Solutions (FL)

A person claiming to be an employee of a company called Future Judgment Solutions FJS has called me every day for the past week harassing me over a credit card debt that was already settled and past the statute of limitations ( XXXX XXXX XXXX ). They have also called several of my familiy members threatening to sue me.
Consumer complaint received 2023-02-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Orions Management Group, LLC (CO)

on XX/XX/2023, I received a phone call where The collector didnt not introduced them self as a collector in the beginning. The. Began to explain the details of a letter that I never review in the mail about collecting this debt. Asked for them to email me the letter. 
He was reluctant to do so because the letter was already dated and the letter was set to expire on the XXXX of XXXX. 

When he sent this notice on the phone had mentioned that if I didnt call them by Friday day morning they will report this to the credit bureau for further action. 

Minutes later called and left a voice mail and said I emailed out the letter you want to do your XXXX account you got till tomorrow morning to give me a call back to get this resolved XXXX if I don't hear from you XXXX XXXX I'll assume you're not gon na call me back and we'll proceed without your cooperation you got till tomorrow morning my office hours are on your email end quote. 

The issue is they know I had a short notice on this issue and the collector is not willing to give me until the XXXX. As the letter stated.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (IL)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX FO XX/XX/XXXX
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (UT)

Comenity Bank XXXX is reporting a late on XX/XX/20. Due to the unanticipated events in my life surrounding XXXX, I was affected financially. During this time, I was paying my absolute necessities and was really struggling. I was surprised to see Comenity Bank report any late notations at this time because the bureaus did ask creditors to take leniency on credit reporting during an unprecedented pandemic. I have been current since and was never late before. I ask that Comenity Bank please make a one time goodwill adjustment and remove the late.
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE (VA)

On XX/XX/XXXX, I received a letter from XXXX XXXX  stating I had a balance due for real estate property taxes. On XX/XX/XXXX, I called Stockon Mortgage my loan servicer to inquire about the tax bill that is due. They advised me to email the tax bill to them at XXXX, I did as advised. I assumed the bill was paid since my escrow increased. But sadly mistaken, on XX/XX/XXXX I received from XXXX XXXX  a delinquent tax bill with an increase of {$150.00} due to fees and interest for not paying. I again called Stockon Mortgage, this time I was advised to mail a physical letter and to expect a 3 week turn around time for my request to be processed which would put me in a a further delinquency. I asked if I could just pay it and be refunded, they stated no. So I did as they said XX/XX/XXXX I sent it next day mail and they've received the letter and no action has been taken. I've called now every week to see if any action has been taken and as of today XX/XX/XXXX, they have done nothing. They've placed me on a hold to talk to a supervisor for thirty minutes just to be hung up on. At this point this servicer isn't doing their job and doesn't seem capable of handling accounts.