davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-03
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: NAVY FEDERAL CREDIT UNION (CA)

Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. 

Attn : Navy Federal Credit Union Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt.

THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 
You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible.

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. 



Yours very truly, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.
Consumer complaint received 2022-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (TN)

The mortgage company I am filing this complaint is First Community Mortgage Company. The Loan # is XXXX. The mailing address is XXXX XXXX XXXX XXXX XXXX, TN XXXX. The phone number ( XXXX ) XXXX The email address is XXXX On XX/XX/2022, I accidentally made two mortgage payments. When I really the mistake I called the mortgage company and requested a refund. The person that I spoke with confirm the two payments were posted. The person with the mortgage company went on to say that I needed to go to my online bank account and download a pdf file showing that the funds came from this account. I stated to the mortgage person that what she was requesting didn't make since because she stated the funds was posted. She went on to say that this was the only way a refund would be allow. I went on my online bank account and couldn't find what she had requested in the download pdf file with my XXXX  XXXX XXXX account. The next day XX/XX/XXXX I call XXXX XXXX XXXX to assist me in this matter. The XXXX  XXXX XXXX person was unable to find what was requested of the mortgage company. During my conversation with the bank employee that we decided to call the mortgage company for farther assistance. The mortgage company employee told my bank person the same request. The bank employee informed the mortgage person that a pdf file couldn't be done and that would a fax copy be acceptable and she said yes. The bank employee sent the fax while we were still talking to the mortgage company employee. Yesterday XX/XX/XXXX, I received a call from the mortgage company saying that a refund would not be paid until they received the pdf file from my online bank accounts. I informed her that I had gone through this 2 weeks ago and that my bank to talk to their mortgage company. She said without the pdf file email to them no refund of funds will be paid. I have been paying this mortgage the same way online for years. XXXX  XXXX XXXX is the only bank that I have in which to pay my mortgage. This is crazy, the mortgage have the proof that I made the two payments but refuse to refund me the overpayment.
Consumer complaint received 2022-06-22
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. (AZ)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Unauthorized/fraudulent transaction I am a customer of Bank of America, and on XX/XX/2019, a fraudulent transaction in the amount of {$100.00} was posted to my checking account. Since I had just made an ATM cash deposit in the amount of {$92.00} and noticed that my available balance was - {$0.00}, I went inside of the branch and spoke with a customer service representative who told me to call Bank of America Fraud Department and file a claim and go back to the teller to get my cash deposit in the amount of {$92.00} refunded while the fraudulent transaction is investigated. I contacted Bank of America Fraud Department and filed the claim, however the representative did not reverse my cash deposit. I spoke again with the branch manager and he asked me to call again and ask for the funds to be released, so he could refund me my cash deposit. I was connected with a representative named XXXX in XXXX, AZ who refused to reverse my deposit transaction and kept saying that the fraudulent transaction could not be reversed. I asked to speak with a manager in that department and was connected with XXXX, who also refused to reverse the deposit transaction. He told me that I would have to wait ten days for the transaction to be processed.
Consumer complaint received 2022-06-22
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)

Hi I am submitting this XXXX XXXX  this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-22
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. (TX)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them accounts. XX/XX/2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of consumer or from the consumer.

They also violated my rights numerous times. The credit hurosue vinlat
ed my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or the consumer. They also violated my rights numerous times.The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-22
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2022-06-13
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. (FL)

In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX two duplicate fraudulent charges in the amount of {$16.00} were made on my Bank Of America credit card. On XX/XX/XXXX I contacted Bank Of America and filed a fraud claim. The claim was at first honored. On XX/XX/XXXX my fraud claim decision was reverted and I received a vague letter stating that my card must have been used without any factual data being presented to me, which I could take back to the vendor to dispute this claim further. 

Upon contacting Bank Of America about this matter several times over the next month, I was routed to various departments and individuals, spending countless hours on the phone, with no resolution. Their fraud department told me that they were " looking into this '' on multiple occasions, with no real progress being made. 

Today was the last straw that broke the proverbial camels back. After wasting another 30-45 minutes on hold with Bank Of America 's fraud department, I was told that this was not in fact a fraudulent claim, but rather a dispute and that I would have to speak to their dispute department. I sat on hold for another 45 minutes, only to be told by the dispute representative that this was a fraud claim, and all they could do was transfer me back to the fraud department. 

I have been a Bank Of America customer since XXXX and have spent hundreds of thousands of dollars with them. However, this does not seem to mean anything to them, as I just keep getting pushed around. Its less about the amount of the claim in this instance, but rather the fact that this is how they worm their way out of honoring a claim and how they treat their long term customers. 

If you have any fiscal sense, I would highly advise seeking another banking institution before trusting your funds with Bank Of America.
Consumer complaint received 2022-06-13
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. (MI)

I was recently incarcerated, so when I got out I made it a priority of mines to fix my credit. Once I obtained my report, I noticed inquiries dating back to a year that I was unfamiliar with. I reached out to Transunion and the other reporters and was told to file a report. 

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 XXXX XXXX XXXX
Consumer complaint received 2020-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX : I received a check from a mystery shopper company. I went to a Bank Of America branch location and deposited the check. The manager advised me to call BOA a day or two later to confirm the check is valid and the funds deposited before withdrawing the money. 
XX/XX/XXXX : I checked my BOA account. I saw the funds were deposited as a counter-credit. I contacted BOA over the phone. I asked the representative to clearly tell me if the check was verified and cleared by the clearinghouse. The BOA rep told me it had been, and told me I could withdraw the funds without worry. I withdrew the funds. 
XX/XX/XXXX : BOA withdrew the counter-credit, claimed it is a fraudulent check. The mystery shopper company is not responding to me. Had the BOA rep not given me false information, I would not have withdrawn the check. Due to her faulty representation of BOA check verification process, I have now lost {$2000.00}. I contacted BOA to remedy the situation but to no avail. 
As a customer, I do not have inside knowledge on the check clearing process. I am left to rely on information BOA reps tell me. When that information is false, the consequences can be very detrimental.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC (NY)

On XX/XX/2021 I contacted Genisis FS Card Services/Indigo regarding fraudulent charges in the amount of {$300.00} which has impacted payment amounts, future credit, and credit scores. There were XXXX charges made to XXXX from my Genesis FS/Indigo Master Card. On XX/XX/2021, in the amount of {$100.00}, and on XX/XX/2021, XXXX charges in the amount of XXXX each made the total charges {$300.00}. All amounts were charged to my card ending in XXXX. Once discovered, this matter was reported to the credit card issuing company on XX/XX/2021. The credit card used for the transactions is no longer valid. I have never used XXXX services to purchase any items and never received any fraud alerts from the company. {$300.00} was transacted consecutively and as a customer of Genesis FS/Indigo, this activity was not routine according to my account history. However, the charges remain on my account and although the company states that I am not responsible, my minimum payment amount is higher due to the fraudulent charges, future credit, and credit scores have been affected. I am requesting the {$300.00} to be removed from my account while their investigation takes place. On XX/XX/2021, I made a minimum payment of {$40.00}. I have also contacted XXXX and shared my concerns regarding the fraudulent charges in hopes they will cooperate with the investigation to remove the charges.
Consumer complaint received 2024-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

Hello- my loan for a property I own at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX was sold to Select Portfolio Services several years ago. Today was the third time I have requested an amortization schedule in the past couple of years. Twice it was not sent to me. Today they informed me that they could not send me one because the loan was modified in XXXX, prior to when they bought my loan. 

All three times I requested this information over the phone. They do not communicate with me over email for this request. I was required to call. 

I feel they are being deceptive not providing a document I believe is my right to have and makes me question why they will not provide a simple request.
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (OH)

I applied for an Amex XXXX XXXX on or about XX/XX/21. It was my understanding that I was applying for a XXXX XXXX XXXX Amex card. I wanted to collect travel miles and get access to business lounges in airports. The annual fee was advertised to be XXXX When I tried to link my new amex card to my XXXX account, it wouldn't link. And when I checked billing on the account I had a charge of XXXX for the annual fee. 

I feel like the company may have taken the opportunity to upsell me online. I tried to explain this to the company and get them to switch cards. I'm really unhappy with this situation as I am oversold and not even able to even share all the benefits with my extra card member. 

I would like help convincing the company to let me have the card I thought I was applying for. They have so many different financial instruments that it can be really confusing and I feel they are using the confusion they are generating to take advantage.
Consumer complaint received 2022-06-22
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. (AR)

On XXXX, I sent XXXX, Experian and XXXX a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them XXXX months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.