davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX/XXXX/16 I purchased a diamond and tanzanite necklace and ear rings from XXXX XXXX on the island of XXXX and placed the charge on my Bank of America Visa Charge Card. When I returned to the XXXX I had the necklace appraised and found that I had been cheated and defrauded. The diamonds were actually white sapphires. This is a very serious crime. I have all of the documents of the transaction, including XXXX XXXX 's description of the pieces as well as their formal appraisal of the jewelry. XXXX XXXX refuses to refund my money, even though I have emailed them all of the incriminating documents and a Bank of America supervisor told me that since the transaction is over 60 days old, that there is nothing they can do to reverse the charge. I need your assistance in applying pressure on Bank of America to reverse this charge from my credit card account. I will gladly supply them with the documents which prove my claim. I have many other avenues to explore if the bank continues to refuse to help me. Bank of America 's name will most definitely will be dragged in to other sources of complaints if I am forced to peruse them. I just want my money back. I calculate that I have actually lost {$6100.00} ( cost of jewelry ) + {$61.00} ( foreign Transaction Fee ) + {$110.00} ( jewelry appraisal ) = {$6300.00}.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Billing statement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Credit card company stopped sending statements, claiming that they were sending 'paperless ' statements, none of which were ever received. There were no problems with the email system on my end. They were simply not sending statements. Eventually, I missed payments, since I had to check the website periodically to see if I owed anything. They reported the missed payments to the credit bureaus, claiming that the glitch was not their problem. This has directly effected my credit score and report.
Consumer complaint received 2015-09-28
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CT)

Asset Acceptance debt collectors incessantly called me during the months of XXXX and XXXX 2013 to collect on an alleged XXXX XXXX XXXX credit card debt. I remember these repeated calls as annoying, aggressive, intense and oppressive. All of these calls took place while I was attempting to work. 

Asset insisted that I had to settle my alleged debt before the end of the month or the settlement talks would end. It appeared, based on their aggressive and oppressive behavior, that they were indeed desperate. Therefore, I better settle the alleged debt by the end of the month or the endless and degrading phone calls would never end. 

The calls, to my recollection, started with the initial collector who was rude and aggressive and tried to force me to settle the alleged debt at a price that I was unable to afford. Then I was moved around between different " levels '' of surly and degrading debt collectors. This culminated in a high pressure settlement on XXXX XXXX, 2013. ( See the attached letter from Asset Acceptance, dated XXXX XXXX, 2013. ) As I state below, the only reason I paid the alleged debt was to end the incessant and harassing and oppressive Asset Acceptance phone calls.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I sent a letter asking for verification of a debt on XXXX XXXX and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that Portfolio XXXX XXXX received the dispute letter on XXXX XXXX. It is now XXXX XXXX and I have not received a response from the agency.
Consumer complaint received 2016-11-04
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (NY)

I have tried repeatedly to add my debit card to an American Express Serve card. An error message appears that there are technical difficulties, and to try again. Have tried repeatedly, contacted tech support, " Supervisor '' XXXX, in some third-world country, became combative, belligerent, and hung up during the call. Address has not changed. American Express refuses to acknowledge technical issues. 
I want American Express to change its policy about the Serve account to accept a PO Box as a legitimate address, and to allow ANY AND ALL DEBIT CARDS, REGARDLESS OF ADDRESS, TO BE ADDED AS A FUNDING SOURCE.
Consumer complaint received 2016-01-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (TX)

We had a legal and binding contract for the purchase of XXXX XXXX XXXX XXXX tx XXXX. We offered well above asking price on the short sale purchase. The contract was accepted by the homeowner and Ditech, the third party lender. After selling stock for the down payment and paying out of pocket for home inspections, XXXX weeks prior to closing, Ditech closed the file. We could not understand what happened as they made a phone call to our realtor to say the file has been closed and they 're pulling it off the market. We were willing to close early if a closing date of XX/XX/XXXX was an issue and we were also willing to pay more then our excepted offer by another XXXX. After excepting an offer and being in a legally binding contract for the sale of this home they were unwilling to negotiate at all on good terms. we feel this was done under handedly after paying out-of-pocket for something and they should have never excepted an offer in the first place if certain numbers in limits were in place for them to go by the fact that they excepted the offer to begin with they should 've uphold their word and legal binding contract to continue and finalize the sale of this home. Please file a complaint against Ditech for bad business and having backed out of a binding contract. Contact us if there can be resolution. XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Systems, Inc., Paducah, KY Branch (TN)

An authorization was approved for a treatment plan with XXXX XXXX from Workers Compensation in XX/XX/2018. XXXX XXXX failed to file in a timely manner for billing. A notice of decision was sent to XXXX XXXX with an opportunity to object to the decision that the carrier and claimant were not responsible for payment due to untimely filing of billing. XXXX XXXX did not object to the decision. Decision clearly states in favor of the carrier and claimant is NOT responsible for payment. XXXX XXXX knowingly sold off the unowed debt to Credit Bureau Systems Inc. I have since then receives several letters and phone calls in an attempt to collect this undue debt. I have provided a copy of the notice of decision that I am not responsible for the debt.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MA)

Also it was a 0 % apr for 12 months yet they closed my account out of nowhere due to no fault of my own ei missed or late payments overuse etc. as soon as they closed it the balance increased by about XXXX dollars for interest even though they closed it before promo ended and still charged me. Not to mention they could not explain what I had spent the card on and when. Also could not give any explanation why all cards from synchrony were closed just said high risk even though I had about XXXX worth of credit with them and only had a balance of about XXXX
Consumer complaint received 2020-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I ordered a copy of my credit report and noticed that a company named Portfolio Recovery Associates LLC was reporting negative items on my report. I have never head of Portfolio Recovery Associates LLC and need Validation/Verification of reported as I don't recognize any of the alleged accounts.

Portfolio Recovery Associates LLC XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

I was sent a letter of escrow shortage from the servicer Seterus, Inc. formy mortgage and paid it so that the new payment would not increase toomuch. Seterus has yet to properly apply the {$590.00} payment and for thelast XXXX months the statements that have been issued still shows anincorrect payment due amount. I 've tried calling Seterus, Inc. severaltimes to no avail. I was told that by XXXX the statement shouldshow correct amount due, but when I went online to make payment today, it isstill incorrect. They are also adding a {$5.00} processing fee that is paid when Imake my mortgage payment into a suspense account. I do n't under-stand why the {$5.00} fee should show on my statements at all because theamount is paid to XXXX XXXX for processing - a totally separatecompany of Seterus.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Transform Credit Inc. (GA)

I am hereby filing a formal complaint against XXXX and Transform Credit , Inc. An account was placed on my XXXX credit report by a company called Transform Credit XXXX XXXX , Illinois . I have no idea who Transform Credit is ; I have never dealt with or had any business relationship with Transform Credit ; and I have never opened any loan or any other account with Transform Credit. Transform Credit erroneously placed an unsecured loan account on my XXXX credit report in the amount of {$3100.00} and indicates that I have a monthly payment of {$5.00}, but no money has been removed from any of my accounts. I have contacted XXXX on multiple occasions by phone that I wish for them to remove this erroneous Transform Credit account from my credit report, and they have not done so. I have contacted Transform Credit , Inc. by phone and they do NOT return phone calls. Furthermore, I have had a credit freeze in effect for many years, so I do not know how XXXX could have allowed Transform Credit , Inc. to place this account on my credit report. I am not the victim of XXXX XXXX  as no money has been taken from any of my accounts. I simply wish for XXXX to remove this erroneous Transform Credit , Inc. account from my credit report, because as stated previously, I never had anything to do with or had any relationship with Transform Credit , Inc.
Consumer complaint received 2017-03-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (AL)

diversified consultants has repeatedly called my cell phone number looking for someone with my same last name but not my first name. when I pressed the customer service rep as to how they got my name she said " we use an " auto dialer '' and a number pops up on my screen. I do n't do any research or have any information on the debt. We have technology that says this might be the right number '' She advised that she could n't remove my number from their system or tell me anything about the debt since my first name was different. 

Using Auto dialers is ILLEGAL and they should be stopped and fined.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I am a client of American Express. I just found I got a negative membership rewards balance. And I was told that it is because I cancelled my personal platinum card, which ends with XXXX, on XXXX XXXX 2016. 
Here is my case. I cancelled my personal platinum card because I got another Platinum card from XXXX XXXX. Basically, I called the number at the back of my personal platinum card and talked to XXXX of your representative. After a conversation, he said that I could cancel my account. I particularly asked him questions " Is it okay I cancel my personal platinum card in such a short time? '' " Will Amex think me misuse my card and claw back my points earned with that platinum card? '' He told me that it is okay for me to cancel my first personal platinum card since I got the platinum card from XXXX XXXX, which has the exactly same benefits. What 's more, he told me that American Express would not claw back my points earned by that card since the points have been posted to my accounts and I met the spending requirements. 

I told him that the only reason I would like to cancel my personal platinum card is because I have the platinum card from XXXX XXXX recommended by a staff in XXXX XXXX when I opened my brokerage account there. If at that time the representative told me that cancelling the personal platinum card might make American Express think me misuse the card, I would never do that. I really do n't mean to misuse the card, or just to win the sign-up bonus intentionally. I love the products and services provided by American Express ; I use the different Amex cards in my Everyday Spending ; I never missed a payment in the past. Honestly, I would like to develop a nice relationship with American Express. 

I tried many times to explain my situation to Amex. However, I just found that American Express are really rude. They told me that it is not their responsibility that I were given the wrong information by the customer representative. And it 's all my fault to cancel the account. This is unbelievable. I was mislead by Amex, now they are taking advantage of that. I know, I am just an individual customer of American Express, and American Express is big financial company. But I will defend my own right and will not let Amex bully me.
Consumer complaint received 2016-09-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

BSI Financial was the servicier of my loan after XXXX XXXX XXXX sold it tothem in XX/XX/XXXX, when I first spoke with my negotiator I told her I wanted to keep my home and since it was in default at that time, she told me it was not an option and I needed to sell my home, I was never given a chance to save my home from BSI. They would allow me to sell it but not keep it, I put on market but could not sale, they also referred agents but could not sale, but they would not even take my financial information would not send me a workout packet only told me to sale. I got a new negotiator and we would email each other, I have an email in which I ask him why was I not given an opportunity to save my home he just said it was unfortunate. I still have that email. My husband bought this home in XX/XX/XXXX and passed away in XX/XX/XXXX, my namw was not on the loan but I was left with power of attorney he signed in XX/XX/XXXX, I sent that to bank along with his death certificate and was told they would allow me to sell but no workout was given. My home has now gone to sale as of XX/XX/XXXX and went back to bank, they sent out a relocation manager asking me when would I be moving out. As of yet there has not been a unlawful detainer filed but I am sure once they are aware of this complaint they will rush and do it. I just wanted an opportunity to keep my home and I was not given that chance, I have all emails from the negotiator and I. They could never answer my question and that was if you will allow me to sale it why would you not allow me to keep it all i wanted was a chance.
Consumer complaint received 2016-10-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE NOTE : THIS IS NOT A DUPLICATE COMPLAINT****** Per Trans Union explanation of closure to remove/delete XXXX original Creditor XXXX XXXX this was included in this complaint and part of resolution this account was removed. I called Trans Union and talked to supervisor XXXX XXXX which informed me the XXXX XXXX XXXX was still on my credit report and not XXXX. This confusion which the supervisor XXXX XXXX refused to understand this is the same account and told me that I must follow the same again procedure of filing a dispute or contact the in creditor in writing to get XXXX for XXXX XXXX XXXX for XXXX to delete this dispute. I repeatedly gave XXXX XXXX XXXX the CFPB case number XXXX and tried to explain that XXXX XXXX XXXX XXXX was the same account on my complaint with CFPB. Sadly, to say XXXX XXXX XXXX still did not understand, yet assisted I follow his procedure by writing to creditor and filing another dispute. Supervisor XXXX XXXX XXXX ignore and refused to investigate my CFPB case ( XXXX ) where this matter could have simply resolved. However, supervisor XXXX XXXX XXXX admit that he is aware of the CFPB complaint, but took no action to investigate my complaint. Therefore, Trans Union did not honor their response to resolve this dispute. I would like for Higher Management to investigate this matter and please remove this error from my credit report and send hard copy of my credit report with the correction. 
Please see attachment Trans Union docx. ( XXXX ) Thank You XXXX XXXX
Consumer complaint received 2022-09-05
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. (IL)

Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion was XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XX/XX/2022
Consumer complaint received 2016-09-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.
Consumer complaint received 2017-05-23
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: WELLS FARGO & COMPANY (LA)

XXXX    XXXX  ,2015-  XXXX  -   I call Well Fargo Home Mortgage and they will try to removed this off my credit report because it 's past 7 years old. no change on my credit report.
Consumer complaint received 2020-05-26
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX  XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX  XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX   XXXX  XXXX {$15000.00} XXXX/XXXX  XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX/XXXX  XXXX {$780.00} XXXX   XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (GA)

An collection was placed on my credit report for XXXX in the amount of {$940.00} by XXXX XXXX XXXX XXXX. The collection was disputed and removed by all credit agencies. Less than 2 months later, Diversified Consultants resubmitted the XXXX collection, now for a different amount of {$950.00}.
Consumer complaint received 2017-02-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NV)

A company called " Convergent Outsourcing , Inc. '' continues to send letters requesting payment for {$1100.00} for an account I never had and purchases I never made. I have never heard of this company or the merchant they claim to represent. I believe this is a scam.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (FL)

In the year of 2013, I contracted XXXX as my cell phone provider with XXXX phone lines. 
As time went out I realized that XXXX had not a good cellphone coverage where I live, I contacted customer support and was given the run around, they told me that I could cancel. Never told me that I had to pay for the cancellation of the lines. 
Next thing you know, I started getting harassing calls from Debt Collector trying to collect {$1500.00} for cancellation. The caller gave me a settlement for $ XXXX put me on a payment plan that everytime I would get paid the money would be taken out in which I agreed. 
after paying the {$1000.00} I noticed that they continued to take out an extra {$200.00}. I called and asked them why, and they said that since I did n't pay the account in one month the settlement would have been cancelled- they failed at telling me this. 
Now I have a balance of {$350.00} and sent me to collections which has affected my credit- they lied to me so for a {$1500.00} I paid {$1200.00} which was {$200.00} over our agreement and now I 'm in collections! Please help me.