davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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: Experian Information Solutions Inc. (FL)

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

https : XXXX XXXX XXXX XXXX XXXX ' XXXX I called and spoke with this individual who simply identified herself as Jeanette. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

Thank you.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

My main checking account is with Chase Bank. The last commission check I received from XXXX XXXX in XXXX ended up locking and eventually closing my Chase account. XXXX XXXX 's bank is XXXX XXXX. 
I deposited my check from XXXX XXXX on the XXXX of XXXX. Chase bank put a hold on the check, as usual. After 10 days, I called Chase to see why the funds were still not available. The response was that XXXX XXXX no longer verifies checks and the phone number for XXXX XXXX, XXXX, in the Chase system does not match the check. End result was that they closed my accounts for suspicious deposit. I have contacted XXXX XXXX to see if the money has been returned to the XXXX XXXX account but has not been done so far. 

Chase bank already cleared the check and Chase Bank has the funds. Chase bank was my bank that I deposited the money in, they received the funds then closed my account. Chase says they have the funds suspended and will not send the funds back to the XXXX XXXX until XXXX XXXX disputes it. XXXX XXXX says they will not dispute it because Chase bank accepted the money Chase XXXX XXXX XXXX XXXX Nevada XXXX XXXX in XXXX Nevada XXXX XXXX in XXXX XXXX  Amount of check {$7100.00} that is being held by Chase bank
Consumer complaint received 2022-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have XXXX days to do so if not or over the XXXX days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over XXXX days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-04-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

Unfortunately, due to the time essential, to avoid further interest, I have paid off the whole amount of Rushmore request first this morning {$200000.00} first, including the appeal items ( total XXXX ). 

Having paid off the mortgage loan, I requested Rushmore to provide the release Rushmore of the interest in the Property after all funds have cleared immediately. 

Second, Further to my request dated on XXXX XXXX to Rushmore foreclosure attorney, to request to remove the Escrow Advance Balance {$15000.00} / Late Fee Balance {$1100.00} / Corporate Advance Balance {$1500.00}, a total {$18000.00} for the loan balance. I have not received any response. 

Therfore, I request Rushmore to please send any overpayment or refunds directly to " XXXX XXXX '' Current Owner at XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of Debt Parking! the bureaus have allowed illegally parked an illegal debt on my credit file. I have contacted each bureau and requested that they validate this account. These creditors have called my job relentlessly each time I explain that this is not my debt I am threatened with a warrant for my arrest being issued. I recently applied for a new position and my credit report was requested I was denied the job due to a low credit score. My credit score has been adversely affected by this Parked Debt. This is an invalid debt and THE BUREAUS ARE THE BAD ACTORS!
Consumer complaint received 2022-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (WV)

On XX/XX/2022 I submitted a request to change my payment plan at Edfinancial from the standard plan to the extended repayment plan, I have receipts of this transaction stating that we would receive confirmation in 7 to 10 days. I called on the XXXX to check in on the process, and reaffirmed the payment plan I previously submitted was being processed. I again called Edfinancial on the XXXX to check the process, and was assured that after 10 business days I would have the payment plan processed. The XXXX, 10 business days after the online submission, I am told to check back on the following Monday or Tuesday. Today XX/XX/XXXX, I call once again. I am told that their system doesn't say I have ever requested this payment plan change. I am left believing that EdFinancial has no functional processing department, further enforced when I asked to be transferred to that department and was informed that they do not receive calls. This information is the final piece required for my mortgage process and we could be financially liable for breaking or re-writing our mortgage contract.
Consumer complaint received 2022-04-25
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. (VA)

I contacted Equifax Information Services LLC in regards to identity theft I am experiencing and they have failed to follow the law. Pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft, this company is in clear violation of the law and needs to be held accountable. They sent a letter stating I failed to verify my identity but I will include the extensive documentation that I also provided to them that I sent in a packet via USPS certified mail tracking number XXXX. My identity theft affidavit was also notarized at the local sheriffs office. Please see attachments! I will also be contacting the XXXX XXXX XXXX and my states Attorney General in regards to this violation of the law that this company have commited.
Consumer complaint received 2022-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I really don't have much to say! I am just extremely frustrated with you all. I have reached out countless of times about the inaccurate item that is being presented on my credit report and I have been ignored. Nevertheless I will seek litigation if this continues. I have provided countless and countless of information proving that the accounts do not belong to me. This item has been destroying me and my family hopes of purchasing our first home. I am a single parent that has been slaving for years and saving up to provide my family the life I never had! Please remove this inaccurate item or I will seek litigation for each violation immediately!
Consumer complaint received 2022-02-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX {$7500.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the B
ureau.
Consumer complaint received 2022-02-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/2022 Navy Federal Credit Union Closed my checking, savings, and credit card account after being a long term good standing account holder. I contacted NFCU and asked why my accounts were closed without any warning or reason given. 
After speaking with NFCU 'S security department I was given a timeframe of 10 business days to investigate and and resolve the issue of my closed accounts. The representative stated that someone opened a navy federal account using my similar personal information. 15 days later I contacted them still without any explanation as to reason why the accounts were closed and was given no real expected end or resolution to the situation. Since then I have waited and contacted the bank seeking updates and the status of their investigation with no luck, and no real answers. 
I no longer have access to my accounts and I am currently being charged interest on my credit card balance. I feel as though I am a victim of ID theft being punished as the thief. Guilty until proven innocent with no urgency to get the account reopened.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Experian has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX -Address XXXX XXXXXXXX XXXX XXXXXXXX, Ga XXXX XXXXAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXXAccount Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR= XXXX XXXX XXXX Inquiry XXXX XXXX Inquiry XXXX XXXX XXXX
Consumer complaint received 2022-04-23
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. (CA)

In accordance with the Fair Credit Reporting act Convergent the following accounts : XXXX XXXX XXXX XXXX Account number XXXX Date XXXX, XXXX XXXX XXXX, XXXX. 
XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date : XX/XX/XXXX the following above accounts has violated my rights. 

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.
Consumer complaint received 2022-02-14
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NC)

I have been trying to close a mortgage with Cross Country mortgage since about XXXX of last year. 
Half of the problem was I needed a co signer, that was corrected and I was told We were approved. 
I can not get a loan decision yes or no from cross country mortgage. I was transferred from loan officer XXXX XXXX to an associate XXXX, to loan officer XXXX, all tried their best but were limited by someone or something. I was then transferred to manager XXXX XXXX, who made it seemed she could handle the situation, she was incorrect. She's been on this a month and made no progress except to aggravate us with missed appointments and phone/text " tag ''. My next call was to the company which is evidently a franchise or similar. I called XXXX and spoke to XXXX, he really did care and got some action from the franchise we are dealing with. He was able to get XXXX at XXXX to call me within 24 hrs!! 

I spoke to XXXX he said he needed time, that was four days ago. There has be no communication since phone, text or email. 

Supposedly we had a rate lock, and a pending approval, however conveniently my appraisal expired as did the current pay stubs. So I had to pay for another appraisal and have hr departments do all the work again! 
So here I am 1.5 months later with no decision, as I understood there were questions from underwriting. No one has communicated the questions to me in any way, email, text, or phone call. To date this year I have not received a loan number Do I need a lawyer?? 
Thank you XXXX XXXX
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The account below is parked on my consumer report illegally without my consent, or proper notification. It is unlawful to report an alleged debt to my consumer report. The credit reporting agencies are most definitely in violation of consumer laws.
Consumer complaint received 2022-02-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX / XXXX / {$62.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-10-12
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

I made a purchase with my credit card on XXXX using a promotional rate of 0 % APR. According to the first statement balance, " TO AVOID PAYING ACCRUED INTEREST, YOU MUST PAY THE {$3600.00} BALANCE OF YOUR PROMOTIONAL PLAN 12 MNTH DF INT PY RQ IN FULL BY XX/XX/XXXX. '' Since that time I have paid the balance monthly without any delays, hence I shouldn't have incurred interest. 

However, Comenity Bank started charging me interest on the statement balance closing date of XX/XX/XXXX. The value of the interest was {$69.00}. 
I paid the full balance ( {$2800.00} ) on XX/XX/XXXX, which includes the interest above, to avoid it from happening again. 
In the statement balance closing date of XX/XX/XXXX, they are charging me another interest of {$33.00}, which doesn't make any sense as I already paid the full balance. 

I got in touch with Comenity over the phone on XX/XX/XXXX, and they instructed me to explain the situation via their message website. The person over the phone was unwilling to open a dispute. 
I sent a message on Comenity 's website on the same day ( XX/XX/XXXX ), asking to open a dispute. 
Comenity replied on XX/XX/XXXX, saying that I should open a dispute, which I thought I was already doing so. 
Today ( XX/XX/XXXX ), I'm opening disputes regarding both interest charges. I'm afraid that even when I clear the full balance, they keep charging me interest and this will go on forever. 
I want to end the relationship with Comenity and have a refund for both interest rates.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My wallet was stolen at my gym and inside of it was both my BofA credit and debit card, my license and my XXXX  XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. I used BofAs mobile app to lock both cards. Shortly thereafter I started getting notices of unusual activity on both my credit and debit cards. I utilized the mobile app again and reported the cards as stolen, I marked charges as unauthorized and I requested new cards to be mailedbut the cards never came and the unauthorized charges kept coming. My debit card has MULTIPLE transactions from XXXX XXXX and XXXX, there are charges out of state, and money being sent through XXXX XXXX  to individuals that I DO NOT KNOW. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I returned the items anyway AND I STILL HAVE NOT BEEN REFUNDED. I called BofA MULTIPLE times to get the matter straightened out ; I spoke with agents who were uneducated by telling me that they could see claims and that they would handle both my credit and debit card issues. However, I called back because I still hadnt received a new debit card and I was told because nothing had ever been filed. I have done research on some of the charges. What isnt overseas is excessive and fraudulent. There are transactions for illegal weight loss drugs, purchases overseas, transactions to store I dont have an account with. Transactions were made repetitively and BofA is playing the coward ; they refuse to give me back my money! They are telling me that I made these charges because transactions have my address on it when the reason for that is because THEY ALSO HAVE MY LICENSE. I have filed a police report and I had to buy a new license. BofA needs to stand behind their customers, someone has stolen over {$6000.00} and I want my money back!!
Consumer complaint received 2023-05-11
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. (WA)

I recently applied for a mortgage and my credit report came back with a lot of accounts that are not mine and bankruptcy I never file for. All of this information is reporting on the XXXX and Equifax. The credit information reporting on XXXX is correct. I have tried to dispute the reporting with the other two bureaus but they have not processed my disputes or remove the bad accounts.
Consumer complaint received 2022-02-14
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. (MA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!