davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

XXXX XXXX XXXX owned by XXXX XXXX in XXXX, Michigan added {$1400.00} non-itemized damages to my resident ledger after I moved. I notified management that my family would be moving out at the beginning of XXXX. We lived at the same apartment XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX and moved out on XX/XX/XXXX. The lease was through XX/XX/XXXX and I paid for that month in full. Management was notified on XX/XX/XXXX that we would not be renewing our lease. I spoke to management on XX/XX/XXXX and was given a final payment of {$940.00}. My security deposit of {$840.00} was never returned and I started receiving collection calls from Fair Collections and Outsourcing XXXX Inc. beginning in XXXX. 

I called the collection agency to find out what the balance was for as I never received any documentation from XXXX XXXX. I was told that there were balances for utilities for XXXX as well as " Damages '' They could not produce any listing or evidence of the damage. 

The apartment was an older apartment when we moved in. No updates had been made in many years. There were several repairs reported to management while my family occupied the apartment. Item number 18 of our lease is Owner 's duty to repair. There were many repairs needed while my family lived there. All were reported promptly and none were caused by my family and none were repaired correctly. This includes a broken window, water leaking into the main bedroom causing mold, mold and no working fan in the bathroom, the stove vent did not vent outside of the apartment, a leak from the upstairs apartment into our kitchen light socket, and the furnace was leaking water into the living room. 

In the storage area there are boxes of previous tenant records that are available for anyone to rifle through, it is not a locked area. This management company is sloppy and has been a detriment to many renters and past renters. 

I have disputed this collection because I do not believe there is {$1400.00} of damage. I believe this company is trying to extort money from me to upgrade their apartments. I received nothing from the credit agencies but it is noted on my credit score that the collection meets FCRA requirements. I have heard from other previous tenants that the same charges were added to their ledger after moving as well. I would like a list of what these damages are. How can I dispute these damages when I don't even know what they are?
Consumer complaint received 2019-03-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (OH)

Ally will not answer phone, no matter when I call they put me on hold and say there is a 6 min. wait time,6min. go by and they say again there is a 6min. wait time.I am unable to withdraw money that I need.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MD)

Innovis is reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, Innovis is reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2021-12-01
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: JPMORGAN CHASE & CO. (CA)

Purchased a XXXX miner system on XX/XX/XXXX of 2021 for {$460.00}. Item was never shipped. Company eventually sent email offering refunds but they now tell me they can not process refund as they have a problem with their credit card processor. PLENTY of similar complaints about company on XXXX, XXXX, XXXX, etc. 

Contacted Chase, they gave a temporary credit but are now reversing that because they say XXXX has XXXX day limit. Company committed fraud by taking money for an item they never had, but XXXXVisa is refusing to do a chargeback even though evidence was submitted showing that the charge was fraudulent.
Consumer complaint received 2022-01-15
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (GA)

Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. XXXX XXXX  XXXX says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

I had reported to Wells Fargo Bank that I was having difficulty with an employer and my direct deposit posting in XXXX of XXXX. I am on SS XXXX. I took a position that required more standing than similar jobs in past. It aggravated a condition my doctor took me off work til XX/XX/XXXX. I informed Wells Fargo of the job difficulties prior to the leave of absence. My difficulties started in XXXX of XXXX and the job begin to harass me after my doctor submitted accomodations in XX/XX/XXXX, in addition they cut my hours. All along I'm looking for another job. I kept the bank in the loop and was told by them my account was closed where the check was returned but it was not. Because a check was returned from another account where I have overdraft protection, where the direct deposit was to post. The jobs fault and the check was returned. I settled the issue. Never was I told I could have overdraft protection at Wells Fargo until last week. A check was returned before I was abruptly let go from my job while on medical leave because of the abrupt job lost. I was told I could make payments. I a made XXXX payment. I owed XXXX that's all. They have been charging my account XXXX a month knowing my situation. I called and told them I had found another job. They sent me 2 emails telling me I could have asked for overdraft but now its too late, but they never offered. Said I could make payments, took payments, closed anyway. I feel this is wrong. I had no control over my situation, I have and can document anything is this email. I don't even owe a lot of money and they are threatening to hurt me further and report me to some agency AND THEY OFFERED NO HELP TIL THEY WAS READY TO CLOSE THE ACCOUNT. NOT RIGHT. THIS IS WHAT THEY TOLD ME LAST WEEK. I HAVE ALL EAMILS FROM THEM.
Consumer complaint received 2019-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This complaint is about Bank of America ( BofA ). Claim # XXXX On XX/XX/19 two of my bank accounts ( XXXX XXXX and Bank of America ), as well as XXXX account, was compromised in the form of unauthorized outbound transfers. I filed claims with all companies. XXXX and XXXX conducted investigations and concluded within a few days that it was unauthorized and returned the money. 

BofA informed me on XX/XX/19 that the claim was denied as it was consistent with the pattern of my previous logins given the two-factor authentication code provided matched. See attachment. 

on XX/XX/19 I appealed to Bofa with additional documentation explaining that " Upon closer investigation, we found out that our home network and computer ( a XXXX ) was hacked into and remotely controlled which is how the hacker was able to succeed with these unauthorized transfers money. The hacker was able to overcome two-factor authentication process by using the XXXX desktop application that was running on the desktop computer. This allowed them to intercept the text messages for two-step authentication process ( which would be received on my phone and the desktop app ), use the code, and delete the message ( which would then delete it on my phone as well ) after using without me realizing. Since the attack was done during night time this made it harder for us to notice. '' On XX/XX/19 I received a call from a BofA reviewer, named XXXX, who clearly had not reviewed the additional documentation or did not understand them as I had to explain everything again and after explaining she told me that it seems things are resolved and that she is going to close the case. I explained then that the claim is not resolved as what was resolved was with the other two companies and BofA has not returned the stolen money that was transferred to a completely unknown to me XXXX account ( XXXX ). She then asked if the computer I used had a virus and I told her that the virus scanner did not show any trace of any virus or malware. She explained that then she can not do anything without me proving that there was at least a virus on the computer. I tried to explain to her that a simple XXXX search shows that there are multiple ways a computer can be hacked into and taken over without a virus/malware present. She gave me a fax number in case I could produce documentation that the computer was infected with Virus at which point she would be able to review that. 

I am at a loss about next steps as I am left with burden of proof that I was hacked through a virus, which I can not do and yet the fact that I have not authorized these transactions do not seem to matter to BofA and it appears that by using this method BofA can clear themselves of any responsibility of protecting their customers which is unacceptable. I have taken several steps to reduce the risk of this happening by replacing our router and desktop computer, as well as disabling XXXX app on the new desktop.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc. (MA)

As of XX/XX/XXXX, I contacted Monarch Recovery XXXX XXXX to obtain a receipt for each payment I've made to them regarding my debt with XXXXXXXX XXXX. This account was settled with my final payment of [ {$180.00} ] being made on XX/XX/XXXX. 

The payments I made to Monarch Recovery XXXX XXXX, were done by phone and while they recently sent me an account settlement letter, indicating that my debt with XXXXXXXX XXXX is settled, when I asked the representative for receipts for the payments I've made to Monarch Recovery XXXX XXXX he told me that he could not do that. 

I explained that I didn't receive receipts for my payments to Monarch Recovery XXXX XXXX  but only the few accounts letters he acknowledged that were sent, but which only indicated my account balance and my final payment to Monarch Recovery XXXX XXXX 

The most recent letter I received from Monarch Recovery XXXX XXXX, dated XX/XX/XXXX, also shows a Total Balance Due of [ {$94.00} ], despite the fact that my account was settled on XX/XX/XXXX, and while it was explained to me that amount reflected a remaining so-called " savings balance '' after agreeing to their settlement offer, the way it appears in this statement from them, could easily be misconstrued as indicating that I still owe an outstanding balance. 

In light of this fact as well as the fact that I've never received receipts from Monarch Recovery XXXX XXXX, I implored the representative from Monarch Recovery XXXX XXXX that I'm entitled to a receipt of payment for each transaction I made to them and that, specifically, this is what I was requesting, to which he continued to assert that Monarch Recovery XXXX XXXX had issued, when in fact, I have NOT received any receipt for any of the payments I've made to Monarch Recovery XXXX XXXX. 

I know, by law, I am entitled to a receipt for any transaction I make, and before my XXXXXXXX XXXX   debt was sold to Monarch Recovery XXXX XXXX, it was being managed by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, of whom always provided a receipt of payment to me, along with a confirmation number, for every payment I made to them as collection on the debt I originally owed to XXXXXXXX XXXX. Even before my XXXXXXXX XXXX  XXXX XXXX account was sent to their own collection department, XXXXXXXX XXXX  itself, also always provided me with a receipt of payment for every payment I made. 

To date Monarch Recovery XXXX XXXX is refusing to provide me with receipts for the payments I made to settle my outstanding debt with XXXX XXXX This is why I am now reaching out to the CFPB, because I need help ascertaining this information I am legally entitled to, from Monarch Recovery XXXX XXXX.
Consumer complaint received 2021-12-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

2017 i moved to XXXX Tx XXXX Came back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things were still being used and delivered item as well to XXXX XXXX XXXX we moved out in XXXX  mid of year XXXX. Had renters then after a few year house was sold in XXXX i have emails were i tryed to find out were new cards were being send no response and of course on phone waiting for atleast 45 minutes to being hung up on XXXX agent informed me that she didnt know why this was not a red flag someone tryed changing my phone number XXXX times. 

XXXX finally gave me this website to inform about this and want a copy of it. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Other collection company is trying to collect on the same ones as well.
Consumer complaint received 2018-02-19
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (SC)

During the month of XX/XX/2018, I submitted a request for a Goodwill Adjustment to my credit file and the following response is being submitted as my request was unreasonably denied based on the circumstances surrounding my request : Made several attempts to return phone calls to the company. On each occasion received voice mail message. Left messages for a return call. Never received the same. In any event, my request was for a simple deletion of 1 late payment of 30 days. My unforeseen circumstance was presented with documents verifying the same. The death of one 's spouse is a very devastating event and this was the sole reason for the missed payment as the account is now satisfied and paid in full. Not asking for the entire record of the account be deleted, just the one 30 days late reported. This action would not be unlawful in any event. I still think the company is being unreasonable based on the circumstances surrounding my request for said Goodwill adjustment.
Consumer complaint received 2021-12-01
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: AMERICAN EXPRESS COMPANY (DC)

On XXXX XXXX, 2021, I purchase on Amex Travel using my Amex credit card an airline ticket for {$98.00}. Due to reasons associated with the pandemic, I was unable to travel so I decided to call Amex Travel and cancel this flight. Amex Travel said that they will give me a credit of {$98.00} to use for another ticket with XXXX XXXX. However, yesterday when calling Amex Travel to use this credit, they are telling me they can only find a divided credit, XXXX for {$51.00} and another for {$46.00} and that I can only use XXXX at a time to book a new ticket. Therefore, if I want to use the full {$98.00} that I paid for on my credit card, now I have to buy with Amex Travel XXXX airline tickets, which is a total scam that I never agreed to. 

I never paid for XXXX tickets, I was only charged {$98.00} on my Amex credit card, in this sense, I am requesting the use of the full {$98.00} credit to buy a new ticket, however, this has been denied repeatedly by Amex Travel even after speaking with a supervisor. 
I tried contacting Amex credit card to initiate a dispute since the service is not been provided as described and not what was agreed upon, that I will have a future credit of {$98.00} to use to buy a new ticket, however Amex credit card refused to open a dispute on the basis that since it was the same company I can't open a dispute with them but I could only speak with Amex Travel agents, I told them I already talk with their agents which keep on refusing to honor the full {$98.00} credit. 

This has left me with a charge of {$98.00} for a flight I never took, and which I will never be able to use as a credit unless I am pressured to accept Amex Travel policy scam, of using partial credit, or buying XXXX tickets, which I never agreed to since I was charged a full {$98.00}. On the other hand, I can't dispute the charge with my credit card just because they are the same company, so I am being forced to accept what was never agreed.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WAS DISCHARGED THROUGH A CHAPTER XXXX BANKRUPTCY AND SHOULD BE DELETED FROM MY CREDIT REPORT
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the Fair Credit Reporting act has violated my rights. 
Sec. 4021. Credit protection during COVID-19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-15
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. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

I had made previous purchases on promotion with XXXX XXXX, differed interest for so many months, I have one purchase that ends on XX/XX/XXXX with a balance of XXXX, one that ends on XX/XX/XXXX with a balance of XXXX and the most recent one with a balance of XXXX ending on XX/XX/XXXX. up untill now the majority of my payment has been being appied to the purchase promotion due to end in XX/XX/XXXX but this months payment went mostly to the newest larger purchase. I called and was told that each purchase has its own min payment. I asked about the extra i sent above the min payment and was told that the extra must be split between the 3 purchases as well. This will make it impossible for me to pay off the promotion due to end soon without paying off the entire balance. I believe this is an unfair practice that will lead to them recouping the differed interest and that the promotion is misrepresented.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WI)

Ok first my identity was stolen and someone got ahold of my sears MasterCard and made unauthorized purchase and luckily I caught them in time and after they didnt get the products they ordered without my authorization they called and had my account closed I tried to get it opened multiple times and got nothing but more hard inquiries on my credit report and would like to get my account back open and in good standing
Consumer complaint received 2019-03-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I am sending in a Qualified Written Request to Select Portfolio Servicing as I believe they don't have legal standing to be servicing this loan. I also believe that there are " errors '' in the fees and overall accounting of this account and I am requesting verification from SPS.