davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to express my ongoing concern regarding an identity theft issue I reported in my initial letter dated XX/XX/2023. Unfortunately, the matter has not been resolved despite my efforts, and I am experiencing financial repercussions due to the prolonged delay. Here is my previous claim number XXXX. 

I have diligently followed the necessary procedures to fix this situation, but the lack of resolution within the past XXXX days has prompted me to seek more help. According to my research, given the circumstances surrounding this identity theft case, I am entitled to compensation and data removal. 

I request a thorough review of my claim and a swift resolution to alleviate the financial strain I am currently facing. I would greatly appreciate your attention to this matter, and I am hopeful for a quick and positive outcome. 

Thank you for your time and assistance.
Consumer complaint received 2021-05-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2021, I mailed a letter to Experian and XXXX about 4 negative accounts that were removed from my XXXX  Consumer Report because of its inaccuracies and errors. I sent documented proof of the Inaccuracies and Experian and XXXX refuse to remove them like XXXX  did. Also, I have not received a response letter yet and its been more than 30 days.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (PA)

From the period of XX/XX/XXXX- XX/XX/XXXX. I have been getting over draft fees from M & T Bank. I put this period time line as this is the frame of my complaint. M & T Bank has been charging me over draft fee 's unfairly when I could have just transferred the funds into my account to make sure that said payments would be taken out from the merchant. I have a total of XXXX accounts with them and they are very misleading when opening business accounts as well. They did waive four fees for me, but the others are not justifiable. I believe a total of {$3800.00} or more of fee 's have been taken out of my account with M & T Bank. There banking practices are unreasonable and unfair when it comes to fee 's. From this particular period I didn't have overdrawn account protection due to the pandemic. It's been very challenging for me and I have been banking with them for over 5 years. I understand that this is a corporation. However, they have some very unfair practices with over draft fee 's. I made a payment on XX/XX/XXXX for {$27.00} and transferred the amount in my other account because normally it takes 2-3 days for the merchant to receive the ACH and M & T hit me with a {$36.00} over draft fee in my account. I don't understand how banking works and I keep up with my account. This is getting out of hand with them charging fee 's in under 24 hours of transferring funds into another account.
Consumer complaint received 2022-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My Bank, Bank of America will not release my funds which are free and clear. They had flagged my account due to what they had seen as a questionable payment towards my charge balance. The money in the account is what I need to live for food and my bills. Last Monday on XX/XX/XXXX, I requested my funds and was told they would respond in 1-5 business days. Today, XX/XX/XXXX I called and was told to try later this afternoon or tomorrow. There is currently {$5100.00} in my checking account. Furthermore, my pension check will be deposited on XX/XX/2022 Thursday. I need the money desperately.
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (NY)

I was told that my XXXX Visa Signature card issued by Synchrony Bank came with protections like trip cancellation coverage and lost bag protection. When I received the card, the guidebook explaining all these benefits was missing. I called Synchrony and the representative told me that THIS CARD DOESNT OFFER THOSE PROTECTIONS, they are apparently from Visa. I asked why his card advertised these benefits when they are not offered by Synchrony for this card. He told me to XXXX Visa Benefits to find the benefits or call a generic number. A search of the internet turned up no results for the guidebook, nor would the Visa site let me register the card to view these benefits. This is clearly an advertising scam by Synchrony, these benefits/protections are not associated with their Visa Signature product. 

Call details : XXXX Employee ID XXXX XXXX XXXX XXXX EST
Consumer complaint received 2022-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc. (GA)

XXXX provided me subprime private loans with a credit score of XXXX and a XXXX $ an hour job living in XXXX XXXX XXXX were originated between XXXX and XXXX by XXXX XXXX , my loan specifically in XXXX. I was mislead and deceived by XXXX when I was issued XXXX XXXX loans and this company knew Id never be able to afford paying them back ; and XXXX has ruined my life by this debt with interest over {$40000.00} XXXX dollars by splitting my loans up into several high interest loans destroying my credit and putting me on the XXXX program in XXXX for one year I laid XXXX $ a month for 12 months then went into default due to job loss and accumulated more debt and never-ending interest payments. NOW THE LAWSUIT IS BRINGING ATTENTION TO THESE CROOKS I CRIED WHEN I SAW THAT ALL THE CRITERIA MET FOR MY LIFE TO FINALLY HAVE A CHANCE FIR A FAMILY AND HOUSE. But when I read to go on the student aid.gov site to make sure my address was up to date I was SHOCKEDXXXX  HAD NOT PUT ME IN DEFAULT IN XXXX then with no yearly re-applying for the XXXX program showing funds they had forged or kept me in the XXXX program for 10 years with the state of Alabama which is not eligible for cancellation of private student loans. I havent made XXXXne payment in 10 years yet they have falsified INFORMATION ON THE GOVERNMENT SITE AND THE APPLICATIONS EACH YEAR HAVE NO SIGNATURE FROM MYSELF OR THE CORRECT STATE OF GA THAT I RECEIVED THE LOAN AND MY PROMISSORY APPLICATIONS I HAVE SHOW! Its overwhelming the illegality of this life ruing act. I put my new GA address on the gov site but read if its not default no cancellation!!!!!! WHAT??? The whole illegal scam was to keep us out of default!! Please help.. XXXX people is a joke!!!!!
Consumer complaint received 2022-01-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 2 issues One is pertaining to Bank of America closing my account without a valid reason and the other is pertaining to Bank of America refusing to issue my rewards money to me. 

On XX/XX/XXXX, Bank of America closed both my personal credit cards and my business card for irregular authorized user activity and refused to issue my rewards to me. They also refused to send me my statements to see the total amount of rewards. I had balances and they refused to apply my rewards towards the balances. I had one card since XX/XX/XXXX, and the other card since XX/XX/XXXX, and I had a stellar payment history. I attached the credit card agreement and closure letter for both personal cards and the account closure letter for the business card.
Consumer complaint received 2015-04-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

I received a call from an online store called The XXXX XXXX, asking me to confirm my purchase. I told them it was not mine, yet they had all of my credit card information. They canceled the order, confirmation # XXXX for {$490.00}. They have an email address ( not mine ) and an alternate address in California for the items to be shipped to. They said that information could only be obtained by law enforcement via their fax. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a police report also # XXXX with. XXXX XXXX, XXXX XXXX XXXX XXXX. I XXXX. I also contacted my bank, Chase Bank, who issued the " XXXX Chase Credit Card '' which I also kept on file at XXXX. I also notified them as well.
Consumer complaint received 2022-01-21
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. (MI)

On XX/XX/2021 I sent a letter regarding inaccurate, misleading, unlawful, and unknown things on my credit report. Its been well over 60 days and I have not received any feedback regarding the serious matters in my letter. I feel that Im being treated very unfairly, taken advantage of, and ignored. We all understand that an investigation was supposed to be completed within 30 days and its been WAY more than 30 days. The accounts that I disputed in my letters have more than just one thing wrong with them. The disputed accounts have many things wrong with them, and we all understand every account that appears on my credit report must be reported A HUNDRED PERCENT ACCURATE, TRUE AND WITH MY PERMISSION. Every account I disputed in my letter have MANY problems and I DEMAND EACH ACCOUNT IS DELETED/REMOVED from my credit report NOW! Please remove these accounts from my credit report or Ill be forced to seek litigation and justice through the proper channels due to the immense stress you caused me and people close to me. My personal information was also impacted by the Equifax data breach and may have got a hold of by the wrong person.
Consumer complaint received 2022-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NY)

I was called by the collection agency Capital Accounts, about a month ago regarding a " claimed '' outstanding balance of XXXX $ from services provided by XXXX XXXX XXXX XXXX dating XX/XX/2020. I asked them to provide me with an itemized invoiced, which they have failed to do up until today. At the same time, I called the billing office of XXXX XXXX ( XXXX ), where they confirmed that they do not work with this agency and that there is no outstanding bill under my name or any of my family members. Today ( XX/XX/2020 ) I received a written notice from Capital Accounts for the same reason, and I immediately called XXXX XXXX  billing department where they again confirmed of having no knowledge of this collection agency and that I have and never had any outstanding invoices. I then proceeded to call Capital accounts, I confronted them with the information from XXXX XXXX that they had no knowledge of them, that I was going to report them for fraud unless they could email me immediately the delinquent obligation, which they have not been able to do so, and thus I am reporting them..
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

Experian, XXXX, XXXX are allowing XXXX XXXX ( account XXXX ) to violated my federally protected rights according to FCRA. 

1

5 U.S. Code 1692d A debt collector may not engage in any conduct the natural harass, oppress, or abuse any person in connection with the collection of a debt ; saying I am late and imposing late charges when in fact a finance charge was already enforce.

15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, * CA is reporting my payment status late & sending false information to bureaus, violating the FCRA * Credit Acceptance has been reporting that my payments are {$300.00} but charging for being late although Im paying them as agreed 300, plus i pay {$100.00} extra - [ ] 15 usc 1681 ( d ) : A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer ; the are abusve and destroying my payment history or my credit report - [ ] 15 UCS 1605 finance charge sum all charge including late payments ( which is in my contract ) so why are they triple charging me & adding imposing fees, another violation 15 U.S. Code 1681 The responsibility Consumer reporting agencies have assumed a vital role protecting information on consumers ; by ensuring fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2022-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

Recently I became aware that one of three of my student loan providers, Navient, reached a settlement to forgive loans provided from XXXX. I qualify for the settlement. On XX/XX/XXXX, I found out that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) paid off my Navient loans ( $ XXXX ) as of XXXX!? 

Some time ago, I reported XXXX  to the credit bureaus because they were showing up on my credit report and I NEVER applied or received a loan from XXXX for school or anything. XX/XX/XXXX, I reported them to the Department of Education because my Navient loans should be forgiven through the settlement instead of being transferred to XXXX. The loan amount from Navient ( $ XXXX ) still shows up on my credit report but under a new name, XXXX.
Consumer complaint received 2021-05-11
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Investors Servicing Corporation, Atlanta, GA Branch (TX)

This account was opened up in behalf of my ex wife and she did agree to make the payment. My complaint is that the account is reported as {$29000.00} past due however they have failed to provide proof of this debt and it is hurting me and my ability to finance a new home. I have specifically requested the final account statement and automized statement showing option proceeds and final balance after all fees applied, the value of the vehicle far exceed the value of this loan this debt should be resolved as XXXX balance and reported as satisfied or paid in full. this account has been reporting inaccurately for the past 3 years and it has been hurting me XXXX  credit the entire time.
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (RI)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2021-05-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

We bought a home in XXXX, XXXX with a loan from XXXX XXXX XXXX. In XXXX, XXXX XXXX XXXX  sent a letter advising us of our mortgage being transferred to Lakeview Mortgage and that we would need to make our first payment to Lakeview Mortgage in XXXX, XXXX. 

See attached letter. 

We made our payment accordingly for XXXX, XXXX. 

Then we made our XXXX, XXXX payment on time as well. 

Well Lakeview mortgage has been calling us that we are delinquent, so in late XXXX, XXXX we called to resolve issue. But they told us we had to make the XXXX, XXXX payment. 

We were told our XXXX XXXX, XXXX payment went to XXXX, XXXX and our XXXX, XXXX payment went to XXXX, XXXX. We told them that was incorrect and they said they would investigate and get back to us to call in XXXX, XXXX. 

So comes XXXX, XXXX and we are still getting calls that we are delinquent. So we called again several times in XXXX and no one can resolve our issue. Then they say they are working on it. Yet we receive e-mails saying issue has been resolved. 

Come XXXX, XXXX and the same calling over and over being put on hold and speaking to different employees and supervisors. They request documentation from our bank showing money was withdrawn by Lakeview Mortgage. We have been asked to supply them with documentation and we have always complied. 

Comes XXXX, XXXX we called today XXXX and I was put on hold again and we they came back was told once again that it was referred to a supervisor and that they are still investigating. 

Its been 4 months and they havent been able to resolve issue and we keep getting the run around. Please help we are so stressed out, what was suppost to be a beautiful journey with our new home has turned in the most stressful one.
Consumer complaint received 2022-01-21
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 (NY)

In XX/XX/XXXX, I received an email from my friend referring me to American Express Gold Delta Skymiles Credit Card. The terms and the condition, as well as the promotion, clearly shows that if I ( the customer ) spend {$2000.00} within 3 months, I will get XXXX Delta Skymiles. 

I applied for the American Express Delta Skymiles card in XX/XX/XXXX and I was approved immediately for the card and shortly followed up by an email confirmation ( see attachment ). 

After I got the card, I spent {$2100.00} in XX/XX/XXXX, which was within 3 months after I am approved for the card, in accordance with the promotion requirement of the credit card. 

However, after I paid off my balance of spending {$2100.00} in XX/XX/XXXX ( one month after I got the card ) the XXXX did not show in my American Express Delta Skymiles account. 

In XX/XX/XXXX, I called the customer service twice and the representatives says that they can not help. The representatives says Although you are approved for the card, you was not approved for getting the XXXX. And this was not inform you in any emails. You ( the customer ) would not receive about this information unless you have called us ( the American Express ). I have asked twice about this statement and the representative replied me with the same answer. 

I have also used online chatting customer service. No one helped me. 

I believer this is a Bait-and-Switch Scheme. American Express send me an offer of the American Express Gold Delta Skymile Card, I applied and the American Expressed approved. However, after I spent the money using the card and paid off completely along with the annual fee, I did not get the promised offer that I supposed to get, which is one of the main reason that I have signed up for the card.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (DE)

. This item was deleted and you reinserted them without notifying me 5 days after this account was in violation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I