davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

This is my third complaint and Fifth Third has failed to specifically address any of my concerns. They have failed to provide the appropriate information, and the specialist that has been assigned to either complaint has never reached out to correct this issue or has never once returned my calls. I will continue to make these complaints and unfortunately file a lawsuit to recover the funds that were removed from my account without my authorization or consent. They provided one document that was from XX/XX/XXXX and was rescinded in XX/XX/XXXX. This complaint will be addressed and I will receive the customer service that should be an acceptable standard. I am not asking for anything other than what Fifth Third stated in their initial document that nothing would change from my old mortgage holder and that the conditions would remain the same. Nothing is further from the truth. Fifth Third has completely mishandled my account and provided horrible customer service when I brought to their attention that they failed to pay my taxes and instead issued an escrow overage check, which snowballed into a financial downfall that I have not recovered from yet. Then they withdrew funds from my account two times without authorization. I was making one-time payments from XX/XX/XXXX until I paid the account in full in XX/XX/XXXX. These actions by Fifth Third further caused me financial hardship. I look forward to actually hearing from a human that will correct these mistakes. I also have audio recordings from every interaction with the company. I also have video recordings of every one-time payment made from XX/XX/XXXX forward. Thank you!
Consumer complaint received 2022-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This WAKEFIELD & ASSOCIATES account number XXXX that has a balance of {$160.00}, opened on XXXX XXXX is not belong to me. I don't have an idea why I got this collection. This is FRAUD someone used my identity for their own benefits. I'm done filing an FTC affidavit. Please see attachment.
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My problem is with Kohls and their store card. I've asked many times about the ability to set up automatic payments in the account in order to avoid late fees. I use this card a few times a year, so I don't have monthly payments. 

It is my belief that Kohls refuses to offer an option for automatic payments so that they can benefit from a considerable number of late payments. The late fee on a recent bill was 35 % of the outstanding bill.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (FL)

XX/XX/2023 for XXXX XXXX XXXX {$280.00} left me in XXXX balance. XXXX XXXX {$20.00} XX/XX/XXXX {$58.00}. XXXX XXXX XXXX {$19.00}, XXXX XXXX {$39.00} XX/XX/XXXX {$100.00} XX/XX/XXXX, {$19.00} XXXX XX/XX/XXXX, XXXX & {$33.00} XX/XX/XXXX {$310.00} & {$840.00} XX/XX/XXXX, {$1200.00} XX/XX/XXXX {$24.00} XX/XX/XXXX, {$20.00} XX/XX/XXXX {$19.00} XX/XX/XXXX, {$39.00} all I did not approve or authorized i was told i should have paid attention very unprofessional i asked to be credited chime repeatedly put me on hold and hung up in my face
Consumer complaint received 2023-07-07
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. ()

I taken personal loan 4Years back in XXXX XXXX XXXX XXXX and I fully paid said amount... but they not update my last payment of XXXX but it shows outstanding balance of XXXX in XXXX  score ... Kindly resolve this issue..
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

I had previously informed Chase about an unsolicited email message that I received from Chase ( unsolicited message from Chase XXXX ). 

In its response ( Chase Letter regarding unsolicited messages XXXX.19 XXXX ) Chase claimed that the unsolicited email message was related to a product or service that Chase is offering, but regardless of the fact that the message was related to a product or service that I had not requested from Chase, Chase did not consider the message a solicitation. 

In its response Chase quoted its policy saying that " Under the terms of your credit card account, we can send you email messages for transaction or service related reasons. We may also email you if we suspect fraud or identity theft, or to obtain information from you. '' 1. The unsolicited email message that I included with this complaint was not related to any transaction on my account. 

2. It was not related to any services of Chase that I used or inquired about. 

3. There was no suspected fraud nor suspected identity theft on my account to which the unsolicited message was related. 

4. The unsolicited message did not contain any requests for information from me. 

It is quite concerning for the community as a whole that companies like Chase started to disguise their unsolicited advertisements as service related email messages in order to bypass any ethical standards meant to restrict the amount of SPAM sent over the internet.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Suffolk Consulting Group Inc (NJ)

We were solicited by a company called XXXX XXXX XXXX. They called us and told us that they would be able to lower our monthly payments by restructuring our debt. We were told that they had an attorney on board for our protection. We signed up on a Friday. Things went very fast and they were very persistent and aggressive. They asked us if we could wire them our down payment for the program. We decided not to do that and knew that if things went sour we would never be able to recover our funds via a wire transfer. I should have known then something seemed shady. After doing our research about the program over the weekend we decided the program really wasn't for us. They told us on our confirmation call on Monday that we were not able to speak to their supposed attorney and we were coached to stop paying our bills and default on our loans. In addition we were told to stop picking up our creditors ' phone calls. That is exactly what my partner and I did NOT want to do. We were told a lot of things on that Friday to get us to sign up that just didn't turn out to be the case. We never wanted to stop paying our bills and not pick up the phone when our creditors ' called. In the state of NJ, you have 72 hours to rescind a contract. On that Monday, after our confirmation call we realized the program was not what they said it was so I immediately e-mailed them asking them to cancel the contract and refund our down payment immediately. They were then very defensive and stated that they would not allow a refund. The law is the law, I am requesting a full refund of the money I put down for services not rendered. These people are extremely shady and the public needs to know to stay far away from them at all costs!!
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Beginning in XX/XX/XXXX I reported to Bank of America multiple recurring fraudulent charges to my checking account dating back to XX/XX/XXXX. I made at least 7 phone calls to BoA. I provided all requested information on the phone. Multiple claims were opened. Some were approved and I was reimbursed for those. The following were denied. XXXX {$69.00} denied XXXX XX/XX/XXXX, XXXX {$190.00} denied XXXX XX/XX/XXXX, XXXX {$61.00} of {$140.00} denied XXXX XX/XX/XXXX. The charges were under XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. I did not make these purchases. My debit card was with me at all times and no one else is authorized to use my account. Yet BoA states " The following charge ( s ) was authorized by you or made by someone who has permission to use the card or account. '' This is a lie. I contacted the vendors, who confirmed it was fraud. I placed a Fraud Alert on my credit report with all 3 bureaus on XXXX XX/XX/XXXX. I placed an FTC Identity Theft Report on XXXX XX/XX/XXXX ( XXXX ). I placed a police report with my local police department on XXXX XX/XX/XXXX ( XXXX ). Bank of America refuses to work with me, doesn't call me back, doesn't help at a local branch, and has now withdrawn over {$240.00} from my checking account and will take another {$61.00} on XXXX XX/XX/XXXX. Please help.
Consumer complaint received 2021-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (FL)

On XXXX XXXX 2019 I co-signed on a car loan for my son. I am a XXXX  and already had two other car loans and honestly didn't think they would allow my info. to be used based on already low credit and obligations, but somehow they did. I should have known it would have turned into the nightmare it has. He has defaulted, had a major accident and total loss of vehicle. Aside from that, I want to be released off the loan for the following reasons which I have already tried to address : There was a Multi-state judgement against Santander Consumer USA Inc., which Chrysler Capital is under license with and tried to reach out to Santander, Chrysler Capital, XXXX XXXX, and the XXXX XXXX XXXX XXXX for help for clarification about status of where I would fit into this class action suit as I clearly ( possibly my son ) fit into the stipulations as a party defendant. I have not heard anything, but instead get upwards of 8 phone calls a day from Chrysler Capital and hits on my credit report constantly due to this defaulted loan. I would simply like to be released as a co-signer on the loan as this loan was upside down from the beginning and fits all definitions of a predatory loan.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2021-04-18
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: Credit Karma (NJ)

On XX/XX/XXXX I first reached out to Credit Karma about the incorrect information being displayed for my Driver License and state of residency under their application. They reached back and stated that they would close my account to prevent any fraudulent activities and to reopen it I would need to send documents like Driver 's license and SSN for verification. After completing the process the information remained on my account as I waited for 2 months for any changes to take affect. I later reached back to Credit Karma on XX/XX/XXXX about the same issue and stating I never even resided in the state where they had on file for drivers license and that they were clearly mixing up my information with someone else of maybe similar names. On XX/XX/XXXX I reached out to credit karma again about the numerous attempts of resolving this issue and finding out there source from whom they get the information to try and dispute with them. On XX/XX/XXXX they responded claiming that there has not been any changed because they receive their information from XXXX  and that they can only update as soon as XXXX  updates there information. On XX/XX/XXXX credit karma reached back stating that the information regarding my XXXX  listed on there application is tied to the address entered on my Credit Karma account and also the states Motor Vehicle Commission. Conversations continued back and fourth for months me reaching out to XXXX, XXXX, XXXX, and even my local XXXX, to correct any information that may have been on any of those records. I reached back to them on XX/XX/XXXX stating I did all the above including receiving driver 's abstract from XXXX and none of the information they had matched what Credit Karma was displaying. They later replied on XX/XX/XXXX stating the information they had came From XXXX records and because of that they were unable to edit that information. Clearly this has gone no where now for almost 2 years and I need help your help hopefully resolving this issue.
Consumer complaint received 2020-02-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MD)

On XX/XX/2019, I opened a checking account in a Citibank branch in XXXX, Maryland. The banker matched a sign-up bonus of XXXX XXXX XXXX AAdvantage miles for me, given that I maintain a balance of {$15000.00} for at least 60 days. 

I deposited {$15000.00} into this account on XX/XX/2019, and maintained such a balance until XX/XX/2019, for a period of 69 days. 

I never received the miles. I contacted Citibank regarding this matter many times but they never solve this issue. Once they gave me a document ( attached ) confirming that I qualified for the promotion and told me to wait up to 90 days to receive the bonus. But the bonus did not post to my XXXX XXXX account even after 90 days. 

I contacted Citibank many times after XX/XX/2019 ( 90 days after qualifying ). Every representative who answered my call or chatted with me in the online banking system kept telling me to contact the branch. I contacted the banker via email but got no response. I called the branch and someone said my banker will call be back but she never did. I got very disappointed with Citi and closed the account. 

A few days ago I received a XXXX form from Citibank, saying I got {$400.00} dollars in a 'promotion '. Since this account is the only banking account I ever had with Citibank, the amount of {$400.00} must be the value of the XXXX XXXX XXXX AAdvantage miles that I should have received.
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Equifax, XXXX, And XXXX is reporting inaacurate and unverified late payments. I recently asked the 3 bureaus to investigate the deliquent accounts. I recieved information that the accounts were verified and accurate without any proof. I have never been late, so these accounts should not be reflecting late. I ask for amethod of verification.

1. What did your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?

2. What certified documents were reviewed to conclude your investigation?

3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

6. If yes to above : A. Who did you speak to?

B. On what date?

C. What was their position?

E. What telephone number did you call?

F. What is the name of the employee of the company that spoke directly to the above party?

G. What is the position of the employee of the company that spoke directly to the above party?

I. What formal training was provided to this employee to investigate items of this kind?

J. Was there any e-mail or written communication between members of your company and the employee that youve spoken too?

7. If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.

8. Provide the date of the commencement of delinquency 9.Provide the SPECIFIC date reporting that these items will cease There is no question that you willfully violated my rights and that I could bring charges against you immediately. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of inaacurate information, I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (FL)

I have received A letter dated XX/XX/2023 from AllianceOnce Recievables Management XXXX XXXX stating they are a debt collector attempting to collect a debt for {$220.00} .I do not have any responsibility for the debt that they are trying to collect.
Consumer complaint received 2023-03-18
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: Army and Air Force Exchange Service (IL)

I consolidated three credit cards XXXX, Military Star, and XXXX XXXX, thru the Consumer alliance processing corporation two of my cards were paid with no problems but the Military star card was for some unknown reason was transferred to collections after the account was paid off in XXXXXXXX XXXX XXXXXXXX. The account was transferred after the account was paid off. The confusion starts with Military star they cant answer a simple question as to why the card went to collections especially since they had been receiving XXXX dollar payments from XXXX XXXX which was agreed on by a XXXX XXXX XXXX at Military star, on XX/XX/XXXX why my original account ending in XXXX went to collections is the problem. I have been given several different answers by several different associates at Military star and as I have stated nobody has wanted to answer why the account was transferred to collections. Im asking that Military star remove this error from my credit and or send a letter to the credit bureaus stating that their late and missed payments were in error on their part and that they make me whole for causing me to not get a car and a home which due their negative reporting for the last two years I have been being denied credit cards and I have been being denied credit period! I sent all documents, I had consumer alliance call them while I was on the phone as well two different associates stated that the account ending in XXXX was paid in full in XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX and yet Im receiving negative letters stating I was delinquent in payments which were being sent since XXXXXXXX XXXX XXXXXXXX. As I stated the question to Military star is who and why did my account go to collections thats where you will find the problem. Im currently trying to purchase a house and I need this corrected and removed immediately. I have refrained from bashing this inept company Military star I just want this corrected. Thank you
Consumer complaint received 2021-04-18
Product: Checking or savings account — 
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a line of credit with Bank of America, which has had a XXXX balance for several months. I applied for a mortgage with another bank, and when they checked my credit scores, they found that Bank of America had reported my line of credit delinquent, with a balance due of {$5.00}. My BoA online banking app still shows a XXXX balance on that line, I was never notified of any charge or delinquency. This error on my credit report caused me to miss out on a mortgage refinancing that would have saved me {$10000.00} a year. I tried calling BoA but couldnt get a human on the phone.
Consumer complaint received 2020-12-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RENASANT CORPORATION (AL)

Renasant Bank provided me with three separate FHA loan amounts and approvals in a 30 day period, to then deny the loan, even after locking in my rate. 

The employees of Renasant Bank were incompetent in their duties and did not due their due diligence interpreting the FHA guidelines. 

Renasant Bank shared my personal, credit and financial records with other mortgage lenders without my knowledge or consent. 

PLEASE SEE DETAILED RECORDS AND NOTES ATTACHED TO THIS COMPLAINT