davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America started charging me monthly fees for a money market savings which used to be called keep the chang savings. Bank would transfer the change from checking as a savings method. They change the account set up to this type of account and then requiring their customers to keep a minimal balance. I called to get the fees waived for the last two months when they started charging but bank wouldnt waive it. I closed the account since I have other bank accounts with the bank and dont want to incur fees. I had this account for a very long time and Ive been with bank for many years. They could of waive the fees as a courtesy since Im closing the account and they wont have to maintain this account anymore. Total fees {$24.00} for 2 months since they started. They couldve just transfer the balance to my remaining accounts and notify me they will be closing account instead of charging me maintenance fees.
Consumer complaint received 2021-09-09
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: Experian Information Solutions Inc. (IN)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit reporXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, also the inquiries are not mine XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.
Consumer complaint received 2019-10-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MoneyLion Inc. (OH)

The collections agency for this company has called numerous times, often leaving threatening messages regarding a debt I owe to them. The messages were in such gross violation of the fair debt collection practices act, that I didnt even give them a second thought as being an actual debt collection agency until last week. They have called representing themselves as attorneys and law enforcement, they have used terminology that would lead an ordinary person to believe they were going to arrest me for not paying the debt, and insinuated that I had committed some serious crimes by not paying the debt. They also created the illusion that they were going to seize my assets, which the contract provides them no right to, and they somehow have information about one of the vehicles I own. They brought up this information during the only conversation Ive had with them, presumably as a scare tactic to make me believe they were going to seize my car. In addition to these violations of the law, they are also very rude and disrespectful
Consumer complaint received 2017-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE (OH)

After reading about the XXXX XXXX scandal involving adding insurance to auto loans that duplicates personal coverage I decided to take a closer look at my Huntington Bank auto loan and confirmed the same " Single Interest Insurance '' charge of {$40.00} on my loan which was originated at the XXXX XXXX dealership. This was added despite my showing proof of insurance at the time of vehicle purchase and adding Huntington as a Lien Holder on the policy per dealer instructions. The vehicle has been continually insured with collision and comprehensive coverage since the time of purchase and I have records confirming such ( see attached ).
Consumer complaint received 2017-07-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (MD)

I noticed on my credit report that there is a collection account from Plaza Services in the amount of {$1200.00}. The account was opened on XXXX-2016. I have never had an account or contract with Plaza Services. I get several calls and text per day stating that I need to pay this account or I will be taken to court and sued. Also received a call from a lady stating that she would be sending someone to my job with litigation papers. I have told Plaza Servies several times that I do not have an account or contract with them and asked that they remove the information from my credit report and stop contacting me. To date they are still reporting and still contacting me daily.
Consumer complaint received 2017-07-29
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: EQUIFAX, INC. (GA)

While reviewing my XXXX credit report, I noticed a collection account listed as XXXX  XXXX, ACCT # XXXX. I have no knowledge of this company or this account. I DO NOT or have NEVER had a contract with XXXX XXXX. I am not liable for this collection. I am requesting that this debt be verified and validated as a legitimate date. I would like physical proof of this, including a signed contract containing my signature, or It needs to be deleted from my credit report.
Consumer complaint received 2022-03-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (WI)

This is follow-up to prior complaint number XXXX. Rushmore Loan Management Services is trying to collect a bogus debt I do not owe for alleged new loan number XXXX that I never took out with their company and/or XXXX XXXX XXXX XXXX acting as ostensible trustee. The original loan XXXX with XXXX XXXX XXXX XXXX was cancelled by XXXX XXXX : XXXX XXXX court clerk, case # XXXX. Now Rushmore attorneys are opening the same court case to collect on a new bogus debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX received a promissory note for full settlement from me and agreed not to sell my note but to pay me {$1000.00}. per day and then {$10000.00}. per day respectively for every day she failed to delivery my free- & -clear title. Her company was also invoiced for services rendered to the property. See lien filed with XXXX XXXX Register of Deeds : Document # XXXX.
Consumer complaint received 2021-09-09
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: WELLS FARGO & COMPANY (FL)

Wells Fargo insists on reporting a fraudulent account on my credit report. I wrote the several letters in the past notifying them I never lived in the state of Georgia and I did not open this account they sent me a letter requesting a police report but XXXX Police Department advised me to acquire more information from Wells Fargo that they refuse to send. Afterwards they sent me a letter stating that found no evidence of fraud and re-inserted the account back on to my credit report which I don't understand because I have never lived in Georgia. I am extremely frustrated by the process I have had to go through to remove this fraudulent account from my credit report and I feel like someone has purchased my information because there is one additional fraudulent account reporting which is an account with XXXX XXXX also from the state of Georgia.Credit card companies allow just about anyone to apply without a through verification of their identity. 
They state they determined the account belongs to me but sent me no information in regards to how they went about " verifying '' this is pure financial XXXX  Please see the attached letters I have sent to Well Fargo.
Consumer complaint received 2017-01-03
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (CA)

NOC Financial Systems is contacting my son and my father regarding a debt that I apparently owe, although they have yet to contact my phone and leave a message nor have I received anything in writing. My dad is XXXX years old and does not need this added XXXX and furthermore if someone needs to get in touch with me I have had the same telephone number for 16 years. If someone needs to get in tough with me, send it in writing.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (KY)

We began receiving statements on BB & T accounts, a checking account and money market account, that we did not open. Then we received correspondence indicating overdraft protection had been approved. We contacted the BB & T fraud department at the bank and nothing was done. We continue to receive statements from the bank showing debits occurring in the account. We went to the local branch of the BB & T bank and asked the representative to close the account. That was refused. The account remains open. It is accessible via an online account, it has debits being removed and we are concerned this is going to impact our credit report overall. Please assist us to get this account closed. It is a fraudulent account.
Consumer complaint received 2018-01-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (CO)

I mistakenly provided the Routing Number used for Wire Transfers with my bank. I called XXXX XXXX to try and obtain simple answers. I spoke with a gentleman named XXXX that stated he was the most Senior Customer Service Rep within the Agency. He was extremely insulting and rude. He continually stated he was sorry for hurting my feelings. He then continued to repeatedly insult me over the phone when trying to answer simple questions. He stated that after my funds were returned to them i would no longer have a loan. This is troubling because i was approved for this loan. I was under the assumption that a decline was an adverse action i would need to be notified of. He continuously insulted and rudely answered the question with. I wo n't tell you anything else until Wednesday. I can tell you the loan is not yours anymore was stated after going back and forth with simple questions. I was unaware that XXXX had the ability to take away a loan I 've been approved for over my questions. This company also does not even require representatives state their name when answering calls. I had to prod and continuously ask XXXX for his name. XXXX XXXX was unable to provide a confirmation number for the now supposedly declined loan i was approved and signed loan documents for. 

He also continued to refuse to answer questions about company policy and refused to help highlight where within my loan documents it states that if the loan is returned i can no longer have the loan. He was also unable to tell me if i will need to re apply for the loan by resubmitting my application for decision? 
I was also told that applying for the loan would require an inquiry on my credit, but XXXX stated that my credit was never pulled in the process of applying for the loan. That 's very concerning as I would hope a Financial Institutions most senior employee could highlight and answer my simple questions.
Consumer complaint received 2019-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (SC)

I disputed the debt online with XXXX  XX/XX/2019. 

I checked my credit today and reported it again through XXXX. I have no acknowledgment of this debt. Ive never received any information about it. Ive never opened an account through this company.
Consumer complaint received 2017-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX I believe Navient violated the terms of my loan payment by putting my account into forbearance without meeting any of the terms to go into forbearance. I am not in school, have not been delinquent, and did not request this in any way. They then capitalized that interest in XX/XX/XXXX. 

All of this was done without ever contacting me or sending me any sort of notice. When I called about the issue I was told that there was an accounting glitch and that someone would look into the issue, but the result was no changes. 

I have also been subject to a " payment holiday '' for overpayment in XX/XX/XXXX, which I did n't previously know about until I was able to get documentation from Navient showing my payment schedule.
Consumer complaint received 2018-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

{$2000.00} was cashed as a check against my account XXXX XXXX. I bank with chase bank. I called them the same day my the amount showed in my account. I live in XXXX Georgia, and the check was cashed in New York. I informed the bank, and they told me they will credit my account in 3 business days while they investigate the issue. Usually, they are supposed to just call the money back. I showed them proof and i sent them a copy of the check in my account. I didnt issue it. 3 business days passed and i have called and they given me different deadlines. It has been a month now and i have not received my money. I called today XXXX XXXX and they told me i need to wait 30 to 90 business days.
Consumer complaint received 2017-07-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

A call was placed to Citizens Bank of Michigan on XX/XX/2017 requesting that my account be closed. I was advised that there was an {$8.00} balance in the account and that they could not close the account without those funds being moved. Those funds were moved to my business account with the same bank, and my account was to be processed for closing. However, the representative went on to tell me that they can not close my account because there are pending transaction on the account. I advised them that other than those transactions I am requesting the account be closed and no further transactions allowed on the account. I was advised that this was impossible. I was then transferred to a supervisor who stated the same as above. When I advised him that the account was being requested to be closed, he stated they could n't close my account and would not close my account. He also stated that any new transactions can occur on my account without my authorization at this time and fees could be assessed. I then stated that I did not want any further authorizations to take place on this account. He replied with the statement that he can not and will not assist in closing the account until Monday at the earliest. When I stated that I have requested my account to be closed and he has denied my request to close the account, he stated that even if he closed it today, if any check, debit card transaction or ach attempts to hit my account within 60 days of the day of closing, they have the right to re-open my account and asses me over draft fees, sustained over draft fees and any other account fees that they wish to. Again when I requested for my account to be closed, he stated that the account is not closed and will not be closed by them and that they will leave it open as long as they want. He then hung up the phone on me.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Current Paypal Credit Account Balance {$450.00} 1 ) XXXX - Monthly payment due and completed with no problem - {$49.00} 2 ) XXXX - Submitted a minimum payment of {$28.00}. 
3 ) XXXX - Minimum payment returned of XXXX {$28.00} ) 4 )  XXXX - Returned payment fee charged to my account {$27.00} 5 ) XXXX - Minimum payment 2nd try of {$28.00} 6 ) XXXX - Minimum payment returned of ( {$28.00} ) 7 ) XXXX - XXXX purchase through paypal linked to my XXXX XXXX account {$410.00} 8 ) XXXX - Spoke with payapl customer service about what was going on with my monthly payments being returned and the returned fee to be refunded ( never refunded ). Another payment was made for {$65.00} to cover balance. 
9 ) XXXX - payment returned ( {$65.00} ) This is very frustrating due to the fact this is the second time I have had a low balance credit account with Synchrony Bank that I have had this issue with returned payments. My bank account is correct and was confirmed over the phone via the last 4 digits on the account. This is also frustrating because this is effecting my credit score which XXXX doesn't care anything about just wants to cancel my payments so it looks like I am not making my payments. This needs to be acknowledged and fixed with XXXX before it escalates any further.
Consumer complaint received 2024-02-04
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (MO)

On XX/XX/XXXX I placed an order for a Sony camera  that cost {$4100.00} I was told it would ship on XX/XX/XXXX On XX/XX/XXXX i messaged Dell asking them to confirm shipping date because i was going to be out of town and wanted to make sure it was still expected to ship on XX/XX/XXXX. The dell customer service team confirmed that. 

On XXXX XXXX XXXX I received and email telling me that the package shipped. I was out of town at this time but figured given the value of the item it would never be just dropped without a signature or handing it to a person at the residence. 

On XX/XX/XXXX I received an email saying the package had been delivered, yet I had no ring on my door bell showing someone tried to deliver a package. I then looked at my ring camera and seen no package in the view of the camera. 

So late XX/XX/XXXX I then emailed Dell asking them for some information and telling them that the package shipped way early and why it wouldnt require a signature. 

Dell confirmed it shipped and that it didnt require a signature for delivery and its XXXX  ( the shippers ) choice if they require a signature or not. 

I returned home the following day to see I had no package from XXXX or Dell. I then emailed Dell and XXXX about this and they both blamed the other for why it would ship early and without a signature for a XXXX XXXX item. 

I then made contact with my credit card provider asking them what protections I have and they gave me a very generic response and told me to get with Dell about it and there is nothing they can do. 

Basically I purchased a {$4100.00} camera from Dell.com using my Dell issued credit card. The item shipped XXXX  XXXX  early and was shipped without signature confirmation. I never received the item and have been told its my fault and to pay the {$4100.00} for an item I never received. 

To make matters worse I had to purchase the same camera from another company. Spent XXXX XXXX  on it and that other company shipped with signature required. The other company shipped it with signature and told me that ALL items over {$500.00} should have a signature required due to the fair credit billing act.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

I received a notification from Truist that my new debit card was returned to them undeliverable, I tried to call them many time waiting more than 45 minutes to speak with someone, was impossible. 
So I need to request a new debit card for each account I own with Truist XXXX XXXX XXXX XXXX XXXX XXXX To be sent to my mailing address on my profile. 
Thanks
Consumer complaint received 2019-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC (OH)

I have contacted XXXX XXXX XXXX the lender that has my loan through my university about late reporting they have done on my credit. In XXXX I contacted the company and they advised that I had a late payment I needed to make. I made the payment and specifically asked the rep numerous times if it would be reported as late. He advised that it would not. My goal of the call was to bring any outstanding payments current including my XXXX payment which was also due. I also set up a payment arrangement because I want to buy a house next year and I wanted to ensure that no late payments would be made ever again. The rep set it up for XX/XX/XXXX knowing that this would make my XXXX payment late as well! I was not aware of this until the derogatory mark hit my credit. I happened to call UAS Accounting when I found out and even changed my payment date to the XXXX because I never wanted the payment to be late in the first place! If I was setting up payments in order to avoid being late why would the representative advise me incorrectly????? I have asked the company to pull the calls and listen to the representative and my conversation and they will not do so. I have also contacted XXXX  but UAS Accounting is refusing to help me. I am asking that this company remove these negative marks from my credit as this was an error in their representatives communication to me that has caused all of this.
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

account paid in full XX/XX/2022 sent three dispute to get account updated as paid report back accurate every time and credit report shows last payment in XX/XX/2022 and hasnt updated after that month
Consumer complaint received 2018-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Credit & Collection Corporation (TX)

This call was from XXXX XXXX XXXX. They would not tell me what they were calling about unless I identified myself. My comment to them was " you called me, you must know my name ''. Their phone number is XXXX. My credit score is XXXX with one service and XXXX with anther. Why do you think they called me? I can answer that one - it is skip-tracing. I though that was made illegal in Texas during the last Legislative session.