davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service.
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Loan application for the refinance of an investment property. It is a really long story that started on XXXX/XXXX/16 the day I spoke to loan officer from Everbank in XXXX FL. She can talk up a storm. We scheduled a meeting and prior to that meeting I sent her all the documents and then some that she requested. What she and processor XXXX XXXX said was a simple loan has turned into a nightmare. It 's a $ XXXX refinance loan on a property that appraised higher and have owned for 10 years. I have had to send and disclose everything with the exception of the size of XXXX I wear. Not only that they lose everything. Even documents you hand them personally. Its been 83 days since we started this process and we have not closed yet. We were supposed to close XXXX/XXXX/16/ That did not happen then we were supposed to close today XXXX/XXXX/16 of course did not happen. No one notifies you of anything. I find out the information because I contact the title company. for the love of XXXX. This is the most unprofessional banking institution I have ever dealt with.The mortgage branch manager XXXX XXXX laughed today when I called him and talked to him. I CALLED HIM. He tell me they close XXXX loans a month but he does n't get involved. No wonder it is a mess. There entire operation is a mess. It 's disgraceful and misleading. I feel bad for those young couples that want to buy their first home. This bank makes it almost impossible. I am just trying to refinance a existing home. Another supervisor XXXX XXXX also in XXXX XXXX. It 's unbelievable.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Experian improperly shared my contact information with many parties. Starting on Monday XX/XX/XXXX and continuing on Tuesday XX/XX/XXXX I received over 40 calls and text messages from creditors offering mortgage or mortgage refinance products. I never consented to them sharing my information. The creditors confirmed the info came from Experian. Experian makes it literally IMPOSSIBLE to get ahold of someone to stop the illegal sharing of my personal data. The phone number on their website they suggest calling when a privacy violation occurs is NOT attended to ( it will ring twice and then go silent ). The other phone number on their website is automated only and regardless of which automated options you choose, the machine states they are unable to connect people to representatives. We needed to call a line specifically for business customers of Experian to try to find a backdoor way to get ahold of someone. I would like to Experian to show me where I consented to them sharing my personal data as required by law.
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (WA)

I woke on  XX/XX/XXXX  to a text message from  Net Spend   XXXX   XXXX   detailing there is a problem with my debit card, please call before using the debit car d. Two  and a half hours prior to this text the monthly {$5.00} fee for  my Elite a ccount benefits  (  overdraft, cahs back, ect. ) was deducted from my account. I called and was notified that my account had been closed due to the other name on the account being deceased. I had reported  XXXX   XXXX  deceased the first time in Fall of  XXXX , and have repeatedly requested the removal of his name over the past 3 years. Each time I was told " It is ok, do not worry, but we can not remove his name. Just ignore it. '' I did, but now I am cut off from my money. I am being told that I must purchase a new card at my own expense, wait the month long waiting period for my account benefits to be reinstated, and the 7 years of customer history is now gone. My money is still in the closed account, and I am not being offered a way to get the money other than a check in 14 days. My auto-pay for my rent is du e in four days,  infact all my auto-pay bills are due on the  XXXX  of each an every month. I was not provided any warning to prepare for this closure, and now I could face eviction due to my rent being stuck on this card. I do n't have the cash on me to purchase a new debit card. I asked about sighning up for one online, and was told no. I was told that I must purchas e one in a ch eck cashing store at my own expense. I asked about transfering the funds to my  XXXX  College debit card that is still active, and they refused. I am told simply, " We have closed the account due to the deceased person on the account, and we will not be able to rectify this problem in any way, shape, or form. '' After two and a half hours I was hung up on by the company. The account is also locked online and I have no access to it.
Consumer complaint received 2016-03-10
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

This was at a first citizens bank on XXXX/XXXX/16 at time XXXX i made a deposit XXXX which XXXX was cash at XXXX i made a withdraw of XXXX from a atm the bank charge me a XXXX overdraft fee i ask them about it and all i got was a run around so they stole XXXX bucks from me
Consumer complaint received 2023-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2017-05-23
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 (FL)

I opened my own business about 3 months ago and took out  an American Express Business Gold  card, based on the promise that I would receive  XXXX  bonus points if I spent more than {$5000.00} during the first three months. I spent the {$5000.00} but noticed my points balance remained at  XXXX . Today,  XXXX   XXXX ,  2017, I  contact ed American Express  about this issue and after being bounced around  to 4 pe ople, was given every excuse in the book ( i.e. the program has ended, the promotion was for either no annual fee the first year or the points and you chose the no annual fee, etc. ). I told them my partner had taken out his card around the same time and got the points, that even as I spoke to them on the phone I could access their website offering the promotion, that there was no option of which promotion I would select ( and if there was I would obviously take the  XXXX  points over a {$170.00} annual fee waiver ), but nothing seemed to matter. I then told them I wanted to cancel the account, which I did. I believe that these kind of bait-and-switch campaigns must be confronted as many people do not have the the time or energy to deal with it, and will simply ignore it.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I do believe that this company has not delivered the service agreed upon in the contract. I told them that I would not be able to continue to bind agreement to this contract in such that I had to subside to the issue of the benefactors that have enabled my immediate provision and the monetary trade of this due process was not feasible under my most urgent concern at the time of the arrangement. I was not in a position to utilize this program at the times availed to me, due to the due party not providing a convenient and feasible housing constraint for me to utilize at the times that were subsided for me at the times of availment. I need this incorrect information removed from my credit report as a result of the circumstances at hand.
Consumer complaint received 2017-01-17
Product: Prepaid card — Government benefit payment card
Issue: Unauthorized transactions/trans. issues — 
Company: Comerica (RI)

I had a federal XXXX mthly check deposited. then it was fraudulently taken out in XXXX florida on the XX/XX/2017 around XXXX eastern to XXXX eastern time now direct express will not give me my provisional money or answers as to why their customer service is terrible and lack of fax number for expedited letters and lack of communication i am out my monthly check and am being evicted out of my residence.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have disputed mul tiple Portfolio recovery acc ounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have tried several times to remove this credit debt from a credit card with Bank of America and in fact they have breached my information thru 3rd parties and passed my information to other collections and changed my information as well I tried opening an account with them and had one and then they closed my account from and identity theft and never accepted me back
Consumer complaint received 2015-06-06
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (CA)

I recently received a letter dated XXXX XXXX, 2015 from " REAL TIME RESOLUTIONS, INC ''. The letter states I owe a debt of {$3200.00}. The letter states the creditor is XXXX XXXX XXXX. 

On XXXX XXXX, 2015 I sent a certified letter to REAL TIME RESOLUTIONS, INC informing them I have no loan agreements with XXXX XXXX XXXX and I do not have a loan debt in the amount of {$3200.00}. I requested any future contact regarding this matter be in writing. 

A XXXX search reveals both companies are supposedly owned by a man named XXXX XXXX XXXX. I have not had any direct business dealings with this person.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (AZ)

Around the end of XXXX I had randomly wondered what my credit score was since I had not looked in some time. When running my credit report it brought up an odd issue of collections for {$1200.00}. When I proceeded to look into the debt owed I quickly noticed it was not mine and someone had fraudulently opened up this card in my name without me knowing until it was too late. I contacted Citibank which then transferred me to XXXX XXXX whom were forceful in being adamant the debt was mine and I owed them. I requested proof which they sent thinking was proof when in fact all it does is confirm it's not mine. There is an address located in XXXX, SC attached as well as a XXXX XXXX XXXX XXXX XXXX, SD and the transactions are for things I don't even own ( XXXX XXXX, XXXX, prepaid cards ). Since then I have established police reports here in XXXX XXXX ( where I actually live ), XXXX XXXX, SD and after numerous calls to XXXX their police force seems inept and failed to ever return my calls. Ever since then I've been slowly filling out the recovery plan through identitytheft.gov which has led me to this point now. XXXX XXXX are a bunch of bullies and I will not lie down without a fight.
Consumer complaint received 2022-02-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

Shellpoint became the servicer of my loan on or about XXXX XXXX. On XX/XX/XXXX at XXXX a.m., I called Shellpoint to ask for a copy of my Note and I was told by XXXX of Shellpoint that they did not have my Note and that I had to get a copy of my Note from the previous servicing company. When I said, " what do you mean, that makes no sense. Shellpoint sent me a letter informing me that it would be taking over my loan servicing in XXXX XXXX and it wants me to pay it but it doesn't have my Note and will not provide a copy to me ''. XXXX replied, " You can call serving ''. To which I responded, " I did. You work there, submit the request! ". Then she said, " I am not going to request it for you. ". Also, I asked to be told what number payment I was on and XXXX told me XXXX. This loan originated in XX/XX/XXXX, it has to be more than XXXX. XXXX also lied to me. She said that I had to show proof of my hazard insurance. That the Note said I had to but yet, she told me that Shellpoint didn't have my Note. I asked to speak to a supervisor and XXXX put XXXX XXXX on the line. He was not a supervisor. I asked him to allow me to speak to a supervisor and after telling me three times that he was still waiting for a Supervisor and then sent my call to an out going message that said Shellpoint was closed. It wasn't closed. It was XXXX a.m. and Shellpoint is open until XXXX p.m. on XXXX.
Consumer complaint received 2016-02-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CA)

Mortgage Solutions of Colorado LLC. asked me to send them my complete financial information via fax and/or emai, in which we did. I do have a sale date of XXXX XXXX, 2016 and I have called Mortgage Solutions of Colorado LLC. to check status on my file, and my sale date. I just spoke with XXXX a representative in the Loss Mitigation Department on behalf of Mortgage Solutions of Colorado LLC. and was informed my file is complete and was forward to the processing department and is currently in line for review. However when I asked about the sale date XXXX informed me they, Mortgage Solutions of Colorado , LLC, do NOT postpone sale dates until the package is complete. XXXX XXXX she just told me my file was complete and because of the completion the file was forward for underwriting and asked her to correct me if I am wrong? XXXX placed me on hold and came back on the line to inform me they will try to review my file and I can call back tomorrow to check status on my file and see if they did not sell my property. I explained my sale date is tomorrow, how does she want me to wait specially when she just told me the file is complete and this is why it was forward already for review. I asked to speak with a supervisor and was transferred to the collection department, whom then transferred me to the loss mitigation department whom transferred me back to the main menu.
Consumer complaint received 2022-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (NC)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late on purpose.
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (PA)

i am filing a complaint against u s bank home mortgage.took XXXX and a half years to get our mortgage modified. with the lost papers miss filed papers and lack of them calling back after several messages left with questions about the papers and lost documents to allow my wife to talk to them because i was working. leaving messages etc. then told the dead line past re file again. we stoped our payment do to this so the mortage went from XXXX to XXXX as a result of this. and yet they now as of we finalized it all in XXXX of this yr and they marked that payment late on my credit. when XXXX payment was XXXX XXXX and are now say my escrow is XXXX dollars behind and i have a letter that states we owe XXXX thought this was clean slate fresh. nothing to pay in the rears cuz we have a mortgage over XXXX hire then we started. they get angray when we call hem out on it and they say my house ins is behind when it came out of my bank auto pay till they took it over. etc. i need help trying to figure out how they can duble charge me higher mortgage and behind escrow there wrong and we cant afford all this the house it not worth what there hitting us with ..
Consumer complaint received 2024-02-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2020-10-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (TX)

This issue has been ongoing since XX/XX/2020 With U.S. Bank. ( there is no US Bank in my state and the two ATMs in my town, don't take deposits. ) I will just skip to the issue : I am trying to mobile deposit a larger amount than normal. ( but my balance is lower than normal as well ) I keep calling and trying to get that changed even if for the one time since I now know that limit and they keep sending me denial letters stating that " Your previous deposit history does not indicate you would need increased limits ''. 

I had no idea that there was indeed a limit to deposit not to exceed {$3000.00} ( {$6000.00} a week ) I can not cut a check in half. 

My balance is now dangerously low, like hopefully make it through this month low. 
I have told them to look at my balance, I need to deposit this immediately but that doesn't seem to make a difference. 

They are going to force me to get another bank and have to change all my automatic deposits and withdrawals.I move around a bit and was trying to establish a relationship with a bank we liked. All because they don't want to take my money. 
I have too much going on in my life right now to be dealing with all this and/or going to a new bank and transferring everything.
Consumer complaint received 2016-09-04
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion applied a fraud alert on all of my credit files that i did not request. This has caused me to be denied for a credit card that i applied for. I did not request this i did not ask Transunion to add an alert to my files. I want this and the request from the other files to be removed immediatley.