davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Credence Resource Management, LLC (NC)

Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. 

Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

North Carolina Debt Collection Practices Act 75 54. Deceptive representation. 
( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. 

North Carolina Collection Agency Act 58 70 110. Deceptive representation. 
( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.
Consumer complaint received 2015-06-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Credence Resource Management, LLC (FL)

First time I ever heard from them.was when my manager told me at my job they called and said if I didnt call them back I would have to talk to a judge and they have called all my family members I never received any notice of this and they refuse to send me any paperwork in the mail last.time I asked for any proof they were rude said whats the use you will never pay this they call friends of mine that I used to live with and just veey rude I want this to stop any help would be wonderful thank youCredence Resource ManagementXXXX
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

BB & T Mortgage holds the mortgage on our investment property. We have repeatedly received incorrect annual escrow account disclosure statements over the past several months. Each time I have called BB & T to point out the incorrect insurance amounts. I've been on hold for hours, to be transferred to their insurance department, who confirms the anticipated escrow disbursements are incorrect and overstated by several thousand dollars. The insurance department transfers me back to the mortgage customer service line, stays on the line with me and confirms the amounts are incorrect and a new escrow calculation is ordered. But each time I receive the new/updated escrow disclosure statement it is still incorrect. On XX/XX/2022 BB & T charged us the new payment which is at least {$200.00} more than it should be because of the overstated anticipated insurance payments. My insurance payments, confirmed by both my insurance agent and the BB & T insurance department are as follows : {$2100.00} Hazard/Fire, {$820.00} flood front, {$710.00} flood rear/garage, {$1500.00} windstorm. The most recent escrow statement dated XX/XX/2022 lists the following : Hazard {$1000.00}, Flood {$820.00}, Insurance {$1500.00}, Insurance {$2200.00}, Insurance {$1000.00}. The flood insurance for {$710.00} is missing on this statement ( and has never appeared on any previous escrow statements ) and instead two " insurance '' policies are listed at {$1000.00}. I am being grossly overcharged and BB & T is unable to fix this problem despite the fact I have called in XXXX and twice in XXXX to fix the incorrect statements.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX of this year, I received a call from the exact number on the back of my Citibank debit card saying there was a suspicious transaction on my account in XXXX, GA. I confirmed that wasn't me and he said he wanted to protect my account from further fraud. He asked me for information - exactly what I don't remember - but essentially the same information a bank would ask if they were trying to access my account. He sent me prompts from a text number that had sent me Citibank prompts as well. When a request for a wire transfer of {$9800.00} came up, he said to accept it - that it was not a real wire transfer but just a sample prompt to make sure I received fraud alerts moving forward. I quickly hit accept and immediately felt odd about it and then they sent me another transfer request. I didn't respond to that one. Shortly after, he put me on hold and then the call dropped off. I immediately called Citibank and they confirmed that while the number they called from was theirs, they had no record of an outgoing to call that day to me. From there, I was directed through a maze of Citibank representatives and hold times, ultimately freezing the account but it was too late... the money had already left my account. Citibank sent multiple alerts to Bank XXXX XXXX and I filed a police report with the XXXX XXXX Precinct ( # XXXX ) and have submitted to the FBI IC3.
Consumer complaint received 2022-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX  XXXX XXXX. - {$330.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$560.00} 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (FL)

My complaint is against Wells Fargo Bank, with which I have had a checking account since it took over Wachovia 's banking operations. On XXXX/XXXX/XXXX, I made a deposit of a {$690.00} check from my Roth IRA account with the XXXX XXXX XXXX XXXX ( XXXX ), and I have deposited my Roth IRA checks into my account on numerous occasions and the funds have always been available as these checks have always cleared. My checking account was overdrawn at the time, and I deposited this check as soon as I received it. The bank placed a hold on {$490.00} of this deposit, leaving my account still overdrawn by approximately {$50.00}. I was advised that the hold was place because I had repeated overdrafts in the last six months. The reason for such overdrafts is that in XXXX, I signed up online at the Wells Fargo website for what I thought was overdraft protection, and since then Wells Fargo has paid any checks or debit card transactions that I have made without having sufficient funds in my account for a {$35.00} fee for each such transaction, which I thought was part of the overdraft protection arrangement. When this hold was placed on my account on XXXX/XXXX/XXXX, I questioned Wells Fargo about my overdraft protection and I was advised that I had instead signed up online for " overdraft services '', which unbeknownst to me differs from overdraft protection and which was not explained at the Wells Fargo website. Wells Fargo 's marketing of its overdraft protection at its website was confusing in this regard. Had I known that at the time, I would have proceeded differently and made sure to enroll in the actual overdraft protection ( which I have now done by telephone ). And when I questioned the bank further about this hold and advised the bank that I have several pre-scheduled and authorized payments ( debits ) which will come out of my account during the period of the hold, I have received different answers : ( 1 ) one advising me that I must go to a Wells Fargo Bank branch in order to get the hold removed, and ( 2 ) and another advising me that the hold could not be removed at all. In the meantime, such pre-scheduled payments have started to reach my account and I am being assessed an overdraft fee of {$35.00} for each such transaction. I view this as an excuse on the bank 's part to continue to collect the overdraft fee of {$35.00} while the {$490.00} remains in hold status, which I view as predatory. The XXXX check that I deposited is not a personal check, it is from a nationally recognized organization. Also, I work for a municipality and my paycheck will be direct deposited into my account on XXXX/XXXX/XXXX and I am afraid a hold will be placed on that deposit as well. I would appreciate any assistance you can provide to me in getting the hold removed if possible.
Consumer complaint received 2015-07-12
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I had problems with my account awile back which I complained to " higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged " loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE BOA as a result.
Consumer complaint received 2019-02-26
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. (VA)

I contacted XXXX  XXXX to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX  XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (WA)

I have an Amazon, Care Credit account and Walmart ( which is paid off ) and when I opened these accounts GE was the holder and it looks like the accounts were sold to Synchrony Bank. Synchrony Bank 's horrible practices have to STOP! Each time I make a payment, the credit limit is dropped below the minimum balance due and then charged an over the limit fee of {$38.00}. I would also be charged the interest rate and before I know it my monthly payment is extremely high. I am including both Care Credit and Amazon payments. I want to be refunded each time they charged me the overlimit charge and for late fee for all three accounts. Please look at the interest rate they are charging. for Care Credit, the annual APR is 26.99 %!! This is just XXXX and it needs to stop. And please do n't take forever to investigage. This needs to be resolved NOW and if you read any of the blogs about this company, a ton of people are complaining about their practices so please do something about them!!! Thank you.
Consumer complaint received 2018-05-27
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: EQUIFAX, INC. (AL)

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I am writing today in hopes to obtain your help. Currently I am working on reviewing my credit, paying down my balances, and working on getting better credit worthiness. You play an important role in this process. I am inquiring about the account number referenced in this complaint. I see you have reported me 30 and 60 days late to the credit bureaus ( XXXX, XXXX and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am writing to get this remark retracted. I had believe I had made all my payments on time, the only I could think of, is that my statement didn't get to me in time.
Consumer complaint received 2018-03-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NJ)

I have a credit card account with XXXX XXXX. I have two bank accounts set up for my monthly payments. Back in the fall, my daughter 's XXXX account was compromised on a game and charged over 100.00 in XXXX charges. I filed a fraud claim and the money was refunded and then recharged to my account. I asked for this to be updated and resolved through the resolution center numerous times to no avail. 

Then I paid an account with XXXX XXXX for XXXX and it was charged to a Paypal account instead of a XXXX XXXX account. We do not have a Paypal account, we did not sign up for this nor have we ever used it. They tried to take money out of my accounts 3 seperate times, which resulted in XXXX fee each time for a total of XXXX. I asked them to resolve this error for 3 weeks straight. Paypal then credited my Paypal account ( which I do not have ) with the XXXX and left me to pay the remaining XXXX. 

I contacted XXXX XXXX and Paypal never paid them, therefore I paid the balance due to them immediately. 

Paypal will not let me remove my bank accounts as well. The system always says error. 

so Paypal has me paying XXXX for nothing and did not credit my account correctly. I have asked numerous times for this to be corrected and now received a collection notice for XXXX which is not even my charge.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian has been reporting and refreshing a negative account on my credit profile, it says I have late payments from this year and last year but that is incorrect everything has been paid on time, and paid off before i tried to close the account for fraud in XX/XX/XXXX but it was kept open, and I was told that the negative marks would be removed from XXXX, this is fraud that information is not accurate and you cant prove it is It says closed my account in XX/XX/XXXX which is a lie! I closed it way before that!! 

I told Experian consistently to remove the negative XXXX  XXXX  because it was being used in fraud, and the company refused to close the account I never paid them late The XXXX XXXX should have been completely gone from my credit report!! It was fraud!!! And also my credit report says I have a recent late payment, I should have XXXX late payments!!! Your marking my with no proof I took screenshots as well just in case I have to bring this the court
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (IL)

my name is XXXX : the medical bill was to be paid by insurance but it was never paid. Now Merchants Credit Guide send it to my credit report as unpaid, which has been {$56.00} ; which i paid it directly to the hospital because i want it to be off my credit report, but the collection company still keeps on putting as unpaid and in my credit report. I may be contacted at XXXX or XXXX
Consumer complaint received 2019-02-26
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. (VA)

I contacted credit one to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX  XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Credit Karma (PA)

I submitted a dispute to XXXX regarding XXXX XXXX XXXX for a collection account that I did not recognize. During the investigation all XXXX Credit Bureau 's place a dispute as well as for XXXX that I did not know at that time it was linked to XXXX XXXX XXXX. When the investigation was complete I received the results online but did not get any verification signature from either company stating that the account was mine. I received a notification on my credit monitoring that XXXX was removed on XXXX XXXX, 2016 then readded back to my credit report on the same day XXXX XXXX, 2016 as a new account. I then contacted the credit bureau 's about reinserting the account without being properly notified.
Consumer complaint received 2015-11-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

USAA F.S.B ( XXXX : XXXX ) About 6 weeks ago, I applied for a credit card with USAA F.S.B by phone. I specifically instructed the representative that we wanted the Cashback rewards plus XXXX XXXX card -- we specifically told the representative that we wanted the card that offered 5 % cash back for military purchases. We were approved, but a few days later found out that the representative had accidentally submitted our application for a different credit card -- the World Mastercard. 

I have been on the phone with USAA customer service at least 5 times, and we have received no useful information yet. USAA once told me that they had pulled the record of the phone call and the manager was going to review the recording, but we were subsequently informed that USAA was still searching its records for the phone recording. We have never been given a chance to speak with a manager about this issue, and USAA has even stopped calling us to give us updates about our case. The customer service could not be worse, and it appears that after 6 weeks of time to review, USAA has not done anything to rectify their mistake. 

In short, USAA F.S.B. did not process our application for the credit card that we requested, and they issued us a different credit card that we did not apply for.
Consumer complaint received 2021-01-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

Paypal put my account in a permanently limited state without telling the reason why and they are not responding to any of my emails. 

I closed my account a few years ago and then reopened it a few weeks ago with my bank debit card. They then put it in a limited state and asked for personal information, once I did they lifted the limitation. 
I then made a request for the Paypal debit card to be mailed to me and changed my registered mailing address as I moved recently. They then told me that my account was permanently limited for 180 days and they're holding my money. 

When I tried to send them a message the messaging center auto responded that there are no agents available and to call back during business hours even though I called around noon. 
My account is frozen and they're not responding to my email and their phone number just automatically hangs up on you. 
As you can see by the screenshots attached their automated system is telling me they're close and to message them during business hours. While I am messaging during business hours.