davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-12
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: Fidelity National Information Services, Inc. (FNIS) (CT)

I was denied a business account with a local bank, mind you, I have several business checking accounts started in the past 3 years. I was told to contact ChexSystems. I called and requested a copy of my report. I received it and disputed the charge of {$96.00} from XXXXXXXX XXXX XXXX  from XX/XX/2014, which I'd have paid if I owed it. They sent me back a letter stating they " verified '' the information and it would stay on my report and that I should contact the bank. Contacted the bank again who told me to contact ChexSystems because I owe NOTHING in their system. Spoke with ChexSystems and they told me I had to file another dispute because they put the wrong phone number for XXXX XXXX XXXX  on their " investigation report ''. This is horrific because there is no accountability with ChexSystems. Who did they " verify '' this information with because XXXX XXXXXXXX XXXX is telling me I owe nothing?
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried for several months to contact Bank of America to close my checking account. The company does not provide a way to submit a message from my online access to the account. It also does not answer the number provided for customer service. I have tried 6 times and waited on hold for 10 to 30 minutes but never been connected to an agent. 

Therefore, I decided to draw down the account balance down to XXXX with an ACH transfer. Instead of sending me an email to inquire the reason for the XXXX balance, I received a notice of a LOW BALANCE. I tried again twice today to call their customer support line but got no answer. 

Because of the pandemic, I do not go into offices unless it is a doctor 's office. Despite this fact, BoA has done nothing to improve remote communications for routine matters, such as account closures and everyday messaging. I have accounts at at least 12 other banks and none of them are as inaccessible or inconsiderate of their clients ' time. 

I have no idea if they will try to levy some kind of fee because I am terminating my relationship with them. However, I hope that you have more clout than a mere customer does and can get their attention on this matter and demand that they close the account and remove my information from their system. 

Thank you.
Consumer complaint received 2021-11-10
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: Santander Consumer USA Holdings Inc. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (TX)

I have sent several letters asking for debt validation over the past 60 days and have not received any response from this creditor. According to FCRA 15 U.S.C. 1681g I the consumer have the right to demand all documents pertaining to this debt. FCRA 15 U.S.C 1692g 5 requirements must be sent to I the consumer and a debt must be validated in writing within thirty days of receipt of the letter. This creditor has violated this law. 

The first letter was sent on XX/XX/XXXX and the second letter was sent on XX/XX/XXXX.
Consumer complaint received 2018-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

Received from Trident Asset Management, LLC XXXX XXXX XXXX XXXX GA XXXX. Account # XXXX a collection letter stating they purchased from another collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX a former XXXX bill of mine dated XX/XX/XXXX 

I have written back to them stating this bill has long been paid directly to XXXX and as a matter of fact I currently have service with XXXX. Anyone who has ever had service with XXXX knows that you can not get new service without paying any previous service in full. I don't know where these companies are getting their information since I have never known XXXX to use an outside source to collect debts.
Consumer complaint received 2022-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I have been a customer of Chase Bank for over 25 years. On XX/XX/XXXX I inboxed XXXX XXXX on craigslist regarding a XXXX XXXX  she was selling for {$700.00}. XXXX stated she just order the XXXX from XXXX and it will be delivered on XX/XX/XXXX, due to high demand, the XXXX was first come/first serve, and we had to make payment to secure we received the item which was XX/XX/XXXX. I XXXX XXXX XXXX {$700.00} on XX/XX/XXXX transactions # XXXX on I attempted to contact XXXX on XXXX to follow up with deliver, I got no response, I called from 15 different numbers and still no response. I contacted XXXX on XX/XX/XXXX this the day we were supposed to receive the XXXX, and the number didnt work, at this point, I knew I got Scammed, I immediately called my Bank Chase and reported a claim. After speaking with several Supervisors I was told, they would recovery my claim for {$700.00}. I received a letter from Chase on XX/XX/XXXX Stated we Agreed that the claim was rejected. I never Agreed to Anything, the letter chase provided is not true, I was told Chase could not recover the funds. I Never received a code chase provides to confirm transactions and I never agreed. I was scammed {$700.00} for a XXXX that was never received. I reported the scam on XXXX and the FBI report. XXXX XXXX bank Declined the one time courtesy request from chase. XXXX XXXX  XXXX is XXXX Bank and I need help from CFPB to help recovery my funds. XXXX needs to be shut down and Chase needs to refund my money ASAP
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Do to the Covid-19 shut down i was out of work at no fault of my own so i was late on my payments but i call all my credit card companies and they said they were going to fix it and we came to an agreement of payments that are being made on time as they are on autopay through my bank. I work for the school district and they all shut down. 
so I feel the last charges on my 2020 payments are not mine. 

thank you very much XXXX XXXX
Consumer complaint received 2022-04-30
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: Experian Information Solutions Inc. (TX)

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. XXXX is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. 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 re-investigated.
Consumer complaint received 2021-08-20
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (GA)

Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for XXXX now is Jefferson Capital
Consumer complaint received 2018-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

I tried to make an international transfer from my citibank account to my son 's bank in XXXX. When I entered the information on Citibank 's website, I entered the correct routing number, account number, name and phone number, but the incorrect Swift code popped up, this number was pre-populated by citibank online, not myself. When I corrected the swift code, an incorrect routing number populated- i was unable to manually correct that. When I called the bank in XXXX they told me that the routing number and account number were most important, so I let it go through with the incorrect swift code-which, as I said was pre-populated by citibank automatically. This occurred more than a week ago. I waited a week, I kept asking my son if he received the transfer. I called citibank yesterday and they told me that there was a problem with the routing number, I called them back later that night and they told me that the wire unit was closed, I should call back the next day. I called again today and spoke with the wire unit. They agreed that the swift code was incorrect and they could not change it. The money had been sent back to citibank. The bank in XXXX had charged a {$25.00} dollar fee and citibank is charging me a {$35.00} dollar fee ( for transfer that didn't happen ) and they will put back the refunded money in my account at today 's exchange rate, not last weeks ' exchange rate, which gives me a net loss of {$200.00} XXXX plus the two transaction fees. They told me that they will put through an inquiry to see what happened and they may or may not accept responsibility. Of course they did not make any attempt to contact me in the past week to tell me that there was a problem, or that my money had been returned to them. I had to make three phone calls to find that. I do have a complaint # XXXX. 
I would appreciate any help you can render.
Consumer complaint received 2021-06-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (NY)

I have a mortgage with Mr Copper. During the start of the pandemic, I applied to get a hold on my mortgage. 3 months ago, I was placed a trial of payments, which I payed with no problem. I was expecting to resume my payment with, of course an increase. I insisted to pay. One rep told to " hold on my money and if I pay XXXX as it was written on the statement online it will be for XXXX XXXX ''. At my surprise today, I checked online, I found out it is a loan modification. I called and spoke to 3 reps whom won't cancel the loan modification because I signed already.
Consumer complaint received 2020-01-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (OK)

I had Mr.Cooper and I was behind on my mortgage and I called to get assistance back in XX/XX/2019. I was told yes ; we will be able to help you. I provided all the paperwork they needed. Then XX/XX/XXXX comes around and it was flat denied because they said I did not have the loan for a year yet. I was already 2 months behind if I would have known that from the beginning then I would've found help somewhere else. Then again, I tried again in XX/XX/XXXX since by then I already had the loan for a year. They kept rejecting paperwork and every time I would call to ask why I would get different answers. Until AXX/XX/XXXX everything was accepted but then I receive a letter that my mortgage would be transfer by XX/XX/19 and I thought well I still have more than 30 days and it will process before it sent to XXXX XXXX. But nothing happen they never moved a finger or letting me know the status of the loan modification. Just overall horrible experience with them. No notes or nothing every time I would call, I had to repeat every time. If the calls are recorded, they should have more than 20 calls within last year. When the loan was transferred to XXXX they advised me nothing was done and that they didn't even receive the paperwork that I sent to Mr.Cooper for the loan modification so basically I had to start all over again. But the difference with them, they actually got everything done within 15 days and started my first trial payment till XX/XX/19. I called also in XX/XX/XXXX and XX/XX/XXXX to have the negative mark removed due to the incompetence and was told I was submitted but never received and email or letter letting me know of the outcome.
Consumer complaint received 2021-06-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

I have had an American Express card account since 2009 XXXX 12 years XXXX. I have never paid late and every month I pay any balance on this card in full. I feel that I have been an exemplary customer to American Express. They had for many years restricted my account to only {$1000.00} and eventually increased it to {$2000.00} a number of years ago. I thought that {$2000.00} was the balance that I had on the card as I had not noticed any change to the account. I primarily use this card for my small health business and had been using it for all of my various bills such as VoIP phone, EHR, constant contact etc each month that required a credit card. I recently was in the process of trying to setup some other business offices in other states where I am licensed to practice and when I used the card to purchase the virtual address locations, they were declined. I had just paid my bill in full, the balance was only {$620.00} and I thought I still had {$1300.00} left on the card. I called American Express and the representative told me that last fall they decreased my account to {$1000.00}. I can't express the sadness that I felt and still feel that this company would hurt me and my small business like this! This was really such a very terrible thing to do to a long time customer that has never done anything to warrant taking away credit. I do carry high loans. I am a doctor in the health field and I have many education and health practice expenses some of which are related to expensive labs that are processing for patients. But my credit is good. The letter that I received today from American Express said that my FICO score is XXXX. Is there something wrong with that? I thought that was good. Like everyone, my small health business was greatly affected by the pandemic and I have been working as hard as I can to make a living and what American Express did to me is really so low and nasty. I did not deserve this! It makes me very angry! It is a terrible thing to do to people who have always paid their bills on time. What a terrible company.
Consumer complaint received 2018-02-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc (MO)

Debt for.a payday loan i was not aware of for XXXX thru XXXX  which was at some.point bout It.to.commecct by ad astra in ks. To.collect i in.attempt.s to get loan saw it.an.disputed it.but.was not.able.to.have it.removed as it is not.a.debt I.made. in attempts to get it off my credi t i called them Explained this an we agreed an.I recorded the call that if u paid it in.full XXXX that day which I did they would.completely remove it.from.my.credi t. Which was to.be done. Within 30 days. its now.gone Past that plus.have tried to.direct dispute it again an ad astra is.reporting.it.is.a.valid.debt and.is.not.removing.it.as.agreed from.my file..I have called them.an.they assure.it will fall off not.to.dispute it.an to just wait. I.do n't buy it. I.need this.taken.off.my.the bureaus as agreed.
Consumer complaint received 2021-11-11
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. (IL)

- Opened lease with XXXX XXXX XXXX in XX/XX/XXXX - Lease was 36 mos - Completed every single pmt on-time or early for 36 mos and returned car in excellent condition in XX/XX/XXXX. Over {$16000.00} in payments- Told of lease termination fee when car was returned in XX/XX/XXXX. However, dealer was unable to accept pmt ( despite my offer to pay ). Was told to check account stmt - Acct stmts never showed amount due after car was returned and stmts stopped being generated - Never received correspondence regarding any amount due to XXXX - In XX/XX/XXXX, credit score decreased over 100 points from high 700s to mid 600s without any warning, notices, etc- Have never had a late pmt over 11 years of credit history including student loan, car leases, mortgage, multiple credit cards, etc- I looked into what caused the decline and it was due to XXXX XXXX XXXX charging off approx {$700.00}. Upon calling XXXX, was informed it was due to a unpaid lease termination fee - Again, I never received any warning from XXXX regarding the issue or potential for charge off - Charge off occurred 10 mos after lease termination - Upon becoming aware of the balance owed, I immediately paid the balance to 3rd party collector who was able to provide balance and online mechanism to pay - Credit score has still not recovered because XXXX is reporting the account as " Paid, was a charge off '' despite their lack of communication or accessibility. XXXX refuses to take responsibility for poor communication, payment accessibility, and consumer awareness - Clearly I had no issue making pmt given the pmt was made immediately once I became aware - XXXX refuses to engage on the issue, despite my efforts- Currently trying to buy a house and this issue is creating meaningful friction
Consumer complaint received 2021-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXXXXXX & Transunion has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and TRAUNION, XXXX, XXXX has violated my privacy XXXX inquires/ ACCOUNTS : XXXX XXXXXXXX XXXX/FXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  INQUIRES / ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Opened my discover secured account in XX/XX/XXXX. Called discover week of XX/XX/XXXX to discuss my credit availability on a secured account because even though payment was taken from bank account it was showing XXXX credit available. After speaking with agent for about 20 min I was informed the reason that I was having this issue is because I was making so many payments in a month and discover just wanted to make sure the payments would actually post. Under the advisement of the agent I increased my secured amount from {$800.00} to {$2000.00} so that moving forward the same issue wouldnt occur. The additional XXXX is taken from my bank account and by the XX/XX/XXXX my discover account reflects the increase but then something strange happens on the 25 my account access gets restricted and my card begins to decline everywhere. I contact discover they send over a form for me to sign and say once this is handled my card access will be restored. Well two weeks later and many phone calls with agents telling me they can not discuss account discover closes my account with no heads up and nobody can tell me why or when my security deposit will be returned this is blatant theft.
Consumer complaint received 2021-06-09
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. (MO)

The original debit was with XXXX XXXX then sold the debit to XXXX XXXX XXXX. On XX/XX/21 XXXX XXXX XXXX agreed to a settlement payment of {$700.00} and also agreed to report the account as paid in full. I have connected all three credit bureaus that the account was paid in full per settlement agreement. XXXX and Equifax arfe still allowing this debit collector to report this account negatively even though supporting documentation was provided showing that an agreement was made and paid. Debit was paid as agreed on XX/XX/21. Debit collector is not permitted to report an account inaccurately and falsely. Please review supporting documentation directly from debit collector and payment from me. Please help correct the incorrect reported information. Debit was settled and paid as agreed. 

Thanks in Advance, XXXX XXXX XXXX
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.