davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I used my debit card at a chain Auto Service Station, I paid for a service they said they could do but were unable to do. To avoid any further damage to my vehicle I took it to the actual dealer to fix the other merchants mistakes. 

I called Bank of America ( my bank at the time ) to explain what happened in great detail ( and probably 20 mins ) and asked if I have any recourse since I now just had to pay twice for the same service. The CSR explained that I could filed a debit card dispute since the merchant didn't provide the expected service etc. The dispute was filed. Within days Bank of America put the disputed amount back into my bank account. A few months later I was traveling out of the country, and see that my account is negative! Also, pending transactions were charged overdraft fees or declined etc. ( Thank XXXX I had some cash with me ). I see that the disputed amount was reversed, so I called Bank of America and they told me my claim was denied because I had in fact made the purchase?? What?! I know, that was never part of the dispute. I believe the way the CSR entered the dispute was incorrect causing me to lose the dispute. I asked to appeal the decision. They told me that I should get an expert opinion regarding the work done. Perfect, so I went to the dealer ( who actually makes this vehicle ) they wrote a statement on company letterhead on my behalf. Appeal denied. Meanwhile over the course of this lengthy process, and Bank of America reversed the disputed amount causing my account to go negative, I explained that i will NOT deposit anymore money with them until this is resolved, to which they responded by closing my account that I had for about 15 years! Recently I went to open an account at another bank and was denied an account, and I learned it was because Bank of America put me in XXXX siting " ACCOUNT ABUSE '' as the reason?! That is lie! I did nothing wrong. Bank of America was supposed to protect me from fraudulent merchants, or not mislead me into thinking they were going to dispute a charge then change their mind. They let a merchant scam me and then the bank abused me. 

I have been denied credit and the ability to open checking accounts because of the information Bank of America has inaccurately posted with XXXX
Consumer complaint received 2018-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX the bank charged me {$26.00} just because the the monthly payment of {$3000.00} which I made from my other bank was posted onXX/XX/XXXX instead of XX/XX/XXXX.

XX/XX/XXXXbeing XXXX XXXX  and bank holiday caused a minor just 2 day delay. The 2 day interest on about {$3000.00} came to be {$26.00}. I tried to call the bank to explain them the situation but the representative/supervisor wouldn't listen to me and was very rude.

I think this amount of interest just for 2 days is not a fair business practice and not acceptable. It would have been okay if it was for whole month. I was hoping the bank tele-representative would understand that and give me a favorable resolution. He didn't. When I said that I would rather close the account as this is ridiculous, he didn't care.
Consumer complaint received 2022-02-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have new information pertaining to a complaint I sent to TransUnion. The complaint ID is XXXX. I am a victim of identity theft and it has been well over 4 business days and they have not blocked the information. TransUnion needs to follow directions pursuant 15 U.S.C 1681c-2 ( a )
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc. (VA)

This company named first national collection bureau, inc. continues to send me letters, and phone calls concerning a {$2100.00} debt that i have never owed, and or have any ideal about. iv mailed them 3 letters in the past two months advising them of the same. but they continue to contact me. i have attached the most recent letter from first national collection. dated XX/XX/2018 2018
Consumer complaint received 2015-10-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX I went to Chase branch XXXX to re deposit a check in the amount of {$17000.00}. I did the deposit tru the teller who gave me a receipt and say check was verify and no hold was placed, so money was available for use the next day. Teller name XXXX. On Saturday, XXXX XXXX, 2015, I went to another Chase branch XXXX that I was closed by and i decided to withdraw $ XXXX, the teller was ready to release my withdrawal but it was her limit so she asked her manager for approval and the manager she started reviewing my account and make the teller to call the XXXX. They say they can not verify check and I was not given or neither serve notice of funds to be held. So I belief Chase bank to be penalized for the illegal practice and they should pay a fine to me the consumer for pain and suffering. We are ready to prepare a civil lawsuit if this matter do not resolve ASAP.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: INDEPENDENT BANK CORP. (MA)

been ordering brand new XXXX XXXX XXXX for my XXXX XXXX for 15+ years without any issues within the last 8-10 months the have stopped ordering them and claim they are unable to get them. I called the Fed Reserve in XXXX and were told new ones are available and to seek this route to resolve my problem. The reason it is such a problem is without the new bills the dispenser is constantly getting jammed. this leads to upset customers and frustrated employees. Please help.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc. (FL)

Eastern Account Systems is attempting to collect a debt from 14 years ago. This is not a valid debt and it is outside the statute of limitations being over 14 years old. The debt was opened from XX/XX/XXXX through XX/XX/XXXX for an account back from XX/XX/XXXX from WOW services. I am unfamiliar with WOW services. When I spoke with two different representatives at Eastern Account systems they had no documents or any records to explain this debt. I called WOW services myself and verified my account and they have no notes, documentation, billing statement explaining what the debt was for and told me to contact Eastern Account Systems. This has ruined my excellent credit score of 800+. In the past 14 years I have never heard of this debt on any of my credit reports which I check regularly.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (DE)

I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with Wells Fargo but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with XXXX, XXXX XXXX and directly with Wells Fargo and they left the item on my file.
Consumer complaint received 2018-01-24
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: EXPERT GLOBAL SOLUTIONS, INC. (GA)

I was a victim of Identity Theft, I did not apply for a mortgage, but when I overlooked my credit report I noticed I had a Inquiry from this company, and it was not me.
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I have never applied for credit with XXXX XXXX / XXXX. 
I have advised the company that several cards were applied for around this time so my information was compromised. But they haev refused to fix the matter stating that no credit was issued. The inquire was a hard nit to my credit and is affecting my credit because of it. They have become non responsive.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

I went to store to make purchase and found out account was closed XX/XX/17. I called up to ask if they can reopen and they stated no and for me to re-apply. It did n't make sense to open a new account when I already had an account but they closed it without any notice.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. 

Discover- XXXX
Consumer complaint received 2018-01-27
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: NAVY FEDERAL CREDIT UNION (CA)

On or around XX/XX/XXXX Navy Federal entered negative remarks on my credit report on a credit card debt they never validated coming from a legit loan. They never sent me anything proving the credit or loan came from their own capital or funds and risked something of value on their part. They seemed to either ignore or misunderstand the multiple validation letters sent to them since XXXX XXXX to present XX/XX/XXXX. As explained in my notice of dispute : THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Consumer complaint received 2017-10-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

I am the administrator of my late mother 's estate ( death certificate and my appointment attached ). At the time of her death and at the time of the modification in question, my mother had been declared incompetent, and the XXXX of Ky. ( " XXXX '' ) was acting as her legal guardian. 

My mother 's mortgage was owned by XXXX and serviced by Rushmore. Rushmore had initiated a foreclosure, but with my uncle 's assistance my mother avoided the foreclosure by securing a HAMP modification ( attached ). The XXXX signed the modification on my mother 's behalf. 

The modification provides several different dollar figures : * Original Loan Amount : {$100000.00} * Unpaid Principal Balance of the Original Obligation Secured by the Existing Security Instrument : {$94000.00} ( para. 4.P. ) * New Principal Balance : {$120000.00} ( paras. 3.B. and 4.P ) Neither the XXXX official who signed the modification on my mother 's behalf nor the XXXX 's attorney who reviewed it and notarized it understand how Rushmore arrived at these figures.
I have repeated asked Rushmore for an explanation of these numbers and the differences between them ( attached ), but they have yet to provide any answers.
The house is now under contract, and we hope to close in late XX/XX/XXXX. Rushmore has provided a payoff amount of {$130000.00} ( attached ).
I question how Rushmore added another {$32000.00} to the Balance of the Original Obligation to arrive at the new Principal Balance and whether these additional charges are consistent with the HAMP program. I need them to reply quickly so that we can resolve this issue prior to closing. 

The account at Rushmore ( # XXXX ) is currently being handled by XXXX XXXX / XXXX XXXX XXXX XXXX / XXXXXXXXXXXX.
Consumer complaint received 2018-01-27
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. (SC)

I have contacted XXXX  several times with no success in getting a unauthorized inquiry removed from my credit file. This same inquiry with XXXX XXXX  has been listed on my other credit files, which I disputed and was successful in the removal of the inquiry. I do not have no account with XXXX XXXX at all.
Consumer complaint received 2018-01-27
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. (AZ)

on XX/XX/XXXX I sent EXPERIAN a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX BY EMAIL which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX  XXXX and XXXX.
Consumer complaint received 2023-01-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nationwide Recovery Systems, Ltd (MD)

Nation Wide Recovery Sy, has reported damaging information about my credit to XXXX Credit Report Agency, for the second time, with the intention to damage my credit history, and my credit score. I've already disputed them twice. In conclusion, I've contacted and spoken to XXXX XXXX XXXX XXXX, XXXX, and to XXXX XXXX XXXX XXXXXXXX, Washington , D.C., and they both stated to me, that my medical insurance paid them in full, starting in 2018.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (IN)

I received a notice from XXXX stating my credit had been flagged I have, & NEVER miss payments as I have a high credit rating and knew that what they were saying was impossible.. It came as a debt they say I owed XXXX I have the XXXX account number and I knew there could be no money owed as so purchased my number and had it ported to another company over 2 years ago.. They never port, or sell a number without all accounts paid including the last bill.. I still contacted them they gave me the account number and said there was a XXXX balance as well.. After further investigation, I saw the name CONVERGENT XXXX  Mind you, I have never been contacted by this company other than to ding my credit and a look into my identity was posted..I have tried to reach them to no avail!! Its JUST UNBELIEVABLE!!! I have since discovered it is Blatant FRAUD, I am following up with you because it has been brought to my attention that others have tried as well Please get back to me, so we can not only stop these people but rectify the situation.. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

My credit score dropped tremendously due to inaccurate information. Again, Experian along with the other credit reports states they have no record of a Mortgage Company on file. We did a refi on the house in which  our new Loan is serviced by XXXX XXXX. As well we have eliminated some other debt as well. My credit score dropped almost 100 points due to inaccurate information. This needs to be corrected ASAP. These companies need to post the accurate information, not something that is totally false.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL (NJ)

synchrony bank- pep boys sold my past account to a collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XXXX. the collection agency said once I paid off the balance due, they would remove the charge-off then list the account as PAID IN FULL, not a paid collection or settlement. after paying off the balance, they refused to change the status from charge-off to PAID IN FULL, as agreed. I was informed they could not do it because they did not do the reporting to CRA. they said only synchrony bank-pep boys could remove or change the status. unfortunately, I did not record the conversation, as they always do. i reached out to synchrony bank-pep boys as the collection agency instructed me to do, they said there's nothing they can do. please help
Consumer complaint received 2018-01-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CO)

I was injured at work and lost hours resulting in decreased income. I have fallen behind on my mortgage payment and am unable to contact the company. I have spent hours on hold and no one answers, or they answer and immediately disconnect the call. I call nearly every day. I am 4 payments behind and I had submitted one and a half payments to try and catch it up, but they returned that payment to me saying additional funds are needed.
Consumer complaint received 2024-01-19
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-03-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A. (AZ)

I have applied for a government travel card with Citibank XX/XX/XXXX and they have not supplied me with one. I have tried to talk to someone to find out what I need to do but I haven't been successful. There are two different cards you can apply for there is onXXXX with a {$3000.00} limit and the other is a {$6000.00} limit. Somewhere along the way, I applied for the higher limit by mistake which was not my intention. I was applying with my leadership walking me through the process. Somewhere along the way the consent to run my credit was checked. I wasn't aware that it would affect me. As I was literally being walked through the application step by step. This happened with one of my initial attempts my credit was run when the card I was trying to apply for your credit isn't checked. The card were credit is not checked is the card that I meant to apply for. I need this Government XXXX XXXX to pay for my lodging and food every month as I am XXXX XXXX XXXX. It's vital to my mission and I am due to deploy overseas next yearXX/XX/XXXX. I am worried that I won't have it when I need it and I will be stranded.
Consumer complaint received 2018-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (DC)

I was notified by wells fargo bank and also a law firm called XXXX XXXX XXXX about opting into a class action lawsuit against wells fargo bank for unauthorized accounts and also unauthorized charges made to those accounts. I currently have a checking, savings and also a brokerage account with wellsfargo bank. I have been charged several times in overdraft fees and had to have some rembersed because of bank error. I believe wells fargo bank has been using my personal information to open up accounts and also have made unauthorized charges to my account.