davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-17
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (ME)

Mother passed away on XX/XX/XXXX. She had a reverse mortgage of XXXX on a house that is worth less now. Original documents show the appraisal at XXXX back in XXXX. Wells Fargo gave her a loan that used all the equity of the house. That loan went from Wells Fargo to XXXX to, supposedly, FHA or HUD. Now, the heirs must pay the loan back. Biggest questions : why was appraisal so high, was she counseled, was the appraiser an FHA appraiser.
Consumer complaint received 2021-05-13
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (VA)

Google Payment Corp. ( GPC ), which administers Google Play balances in users Google Payments account - refuses to redeem 4 Gift Cards of {$10.00} value each. On XX/XX/XXXX, I attempted to redeem these at the play.google.com/redeem webpage and received the message that " The code you entered has expired ''. The text printed on the cards under Terms & Conditions states " No fees or expiration dates applicable to this card. '' The website referred to on the card - play.google.com/about/card-terms.html that provides the extended Terms and Conditions - specifically says in Section 3 No Fees or Expiration. " No fees or expiration dates apply to this Gift Card or Credit. '' On XX/XX/XXXX, I contacted Google Play support at the link available through the Learn link. I corresponded with their support over 8 days with more than 6 email exchanges. I was repeatedly asked for the receipt for the cards, and if I couldn't provide a receipt, there was nothing they could do for me. As these were A GIFT, I do not have a receipt. You can find screen shots of the redemption rejection, and photos of the card with Terms and Conditions text. I can provide all 4 card codes upon request.
Consumer complaint received 2021-05-13
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: LEXISNEXIS (WI)

Related to reference # XXXX My wife called on XX/XX/2021 to dispute a judgement that appeared on her report and called back on XX/XX/2021 to confirm whether it was also on mine. After I gave the ok for her to talk to my wife, the phone rep confirmed it was on my report, and my wife asked that it be removed. She indicated a dispute had already been filed and it can take up to 30 days. 37 days later, the bank pulled our credit, and while it's finally been removed from my wife 's record, it's still on my mine ( though there's now a note that the judgment was released ). We called LexisNexis and were informed that a dispute was never initially filed under my name ... even though my wife was reassured numerous times over that once the resolution was provided, the judgment would be removed from BOTH reports. She called again today ( day 49 ) and still no resolution has been submitted. The phone reps are limited in their abilities and the " dispute team '' is unresponsive. Do I have to file a lawsuit to get this resolved!?
Consumer complaint received 2022-04-21
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: Resurgent Capital Services L.P. (OH)

In accordance with the Fair Credit Reporting act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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. 
I want the CFPB to publish this description on consumerfinance.gov so that
Consumer complaint received 2021-03-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY (FL)

Good afternoon, my name is XXXX XXXX, I am writing to you one more time because I am receiving letters from creditors of accounts that are not mine, I have not applied for any of the accounts that are trying to collect, please do a review of my case to see if you can help me. Thank you
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

XX/XX/2020 I requested my gym account be closed as gym was closed due to Covid. Gym agreed to cancel my account and continued to bill my account against there word and my revoked authorization causing multiple overdraft fees.
Consumer complaint received 2021-03-15
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanUnited.com, LLC (CA)

CLASSIC BAIT AND SWITCH! 
We have excellent credit and applied on XX/XX/2021 for a loan with our current lender and LoanUnited.com at the same time and both offered a 1.75 % rate on a 30 year mortgage which was unheard of but true. We went with LoanUnited because XXXX XXXX was nice/knowledgeable and the closing costs were slightly lower. LoanUnited approved our loan on XX/XX/2021 and sent us notice it was approved. What XXXX XXXX didn't do was lock our rate and misled us that he had done so. When we continuously asked about it he said not to worry that we were approved through " blah blah blah '' lender and the closing date was scheduled for XX/XX/XXXX. When we started pushing him for proof of the lock he started lying and trying to put us off then he went completely silent. We called the office and were hung up on by others including when we asked for XXXX XXXX the " owner ''? 
Bait and switch is when borrowers are promised attractive terms upfront to win your mortgage business but then fail to deliver those terms when it comes time to close your loan. Changing terms at the last minute when borrowers are desperate to close their loan. In our case we should have just signed the rate lock loan estimate with our current lender at that 1.75 % rate and it would've been locked and our VA IRRRL refinance would've been done by now. Instead LoanUnited has cost us thousands of dollars with their extremely dishonest practices. I'm reporting them to the Consumer Financial Protection Bureau and VA because they are preying on our Veterans and using the VA IRRRL program to do so. STAY AWAY AND LEARN FROM OUR MISTAKE!
Consumer complaint received 2022-08-20
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: EQUIFAX, INC. (AL)

n accordance with the Fair Credit Reporting Act XXXX Account # 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 instruction.
Consumer complaint received 2021-09-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

Started the processing of Refinancing my existing mortgage with PennyMac in XX/XX/2021. I locked in with a rate of 2.874 % paying .8 % origination fee ( {$3300.00} ). The loan estimate was accurate. 

I received my closing disclosure in mid XXXX which reflected an origination fee of 2.7 % origination fee ( {$11000.00} ). 

Needless to say, I was completely shocked by this {$7800.00} increase and no one from PennyMac bothered to call about this increase. I would have expected to receive a Revised loan estimate and a call from the loan officer / processor to say what caused the change.

After contacting the loan officer, I requested a {$6000.00} lender credit. I wanted a credit for the full difference but they would not do that. I was verbally told that the Sales manager approved the lender credit. However, when I received the final CD prior to closing, the lender credit was NOT included. On the day of closing, I had to call back again to get that corrected. The correction came back with only {$5500.00} instead of {$6000.00} as previously discussed. Per the Sales manager, {$5500.00} was the limit of what they could do. 

In summary, The XXXX  process was completely ignored on my loan. To learn after 60 days with not phone call or email, that your fee increased by {$7800.00} is completely wrong. 

In addition to the XXXX origination process issue, the appraisal process was also poorly handled. An appraiser was assigned and showed up as expected. The house was under renovation and the appraiser had a hard time figuring out how to appraise the property. We discussed the renovations and offered to provide estimates of any work that she deemed necessary to meet the inspection requirements. Two weeks pass and the appraisal is scheduled for delivery and I receive a text message from a second appraiser requesting a date to inspect the property. The first appraiser completely bailed on the project and PennyMac was completely in the dark about the situation. When I contacted the processing team, they had no idea what had happened. They suggested that I contact the appraisal company to find out. This is NOT my job. 

Anyway, after another 10 day delay, the second appraiser did a great job and was successful at delivering a viable appraisal. 

We did close on the the end of XXXX, but it was the most painful mortgage experience that I've ever been through.
Consumer complaint received 2023-06-12
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$710.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America deducted an extra montage payment ( {$3000.00} ) from our checking account on XX/XX/2020 even though we only authorized one payment on XX/XX/2020 which was deducted as well. 

We made 4 attempts via the bank 's secure messages and requested the bank to return {$3000.00} to our checking account without any results. 

On XX/XX/2020, I called XXXX and finally received a service request confirmation # XXXX and was assured that the refund will be posted within 24 hours. 

As of today, XX/XX/2020, I still have not received the refund. 

Thank you for your assistance in advance. 

XXXX XXXX
Consumer complaint received 2022-04-21
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. (FL)

I have recently submitted Experian certified letters containing police reports, identity theft affidavit, and a signed document from the Federal Commission Trade # XXXX. To notify your that I am a victim of identity theft, and that the accounts they are reporting on my credit files are fraudulent. They keep ignoring all the police report and putting unknown accounts on my credit files. 
They have recently deleted some accounts and then added them back to my credit files. I have sent several notices from the companies that these accounts are indeed fraud. Yet they still report them. 

Creditor : XXXX XXXX Account # : XXXX Balance : {$0.00} Creditor : XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} Creditor : XXXX Account # : XXXX balance : $ {$19000.00} Creditor : XXXX XXXX Account # XXXX XXXX : {$430.00} Creditor : XXXX XXXX Account : XXXX Balance : {$230.00} None of these companies have my accurate personal information. All of theses creditor did not have authorization from me to obtain any credit accounts. 
After I carefully contacted each creditor no credit has accurate information to report anything on my credit files. 

The names are misspelled, the address are fraud I never resided at any of the addresses on file. 

All of my consumer statements have the wrong information in it. I have contacted these bureaus to inform them of theses identity theft issues, but my efforts are being ignored by these companies. I have no knowledge of these accounts, nor the fraudulent information they are reporting to my credit files. They have been violating my consumer rights and making my life difficult. I cant even use my own personal information because these companies are basically reporting inaccurate information.
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit 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 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is no sub category for my issue so this complaint is probably classified wrong. This complaint is against Transunion. First let me say this complaint will be used as evidence against Transunion in the law suit my lawyer in currently in the process of filing. My credit score with Transunion was XXXX. This was before a collections debt in the amount of {$800.00} was removed from my credit report. Transunion knew that this collections debt with XXXX XXXX XXXX was a fraudulent debt yet they chose to allow it to be reported on my credit report. I finally got it removed. After it was removed my credit score increased considerably. 2 days ago out of the blue my credit score dropped to XXXX. My credit score was originally XXXX. I had a collections debt in the amount of {$800.00} removed from my credit report and my credit score initially went up then it dropped. Not only has this fraudulent debt been removed from my credit report but my overall credit usage also dropped 6 %. My total open account debt dollar amount was reduced by almost {$200.00}. How does my credit score go from XXXX to XXXX than back down to XXXX when a collections debt for {$800.00} was removed from my credit report and my credit usage decreased and my open accounts debt decreased by almost {$200.00}. My score is lower now then it was when the {$800.00} collections debt was being reported. I say Transunion has deliberately reduced my credit score out of retaliation against me for reporting their crime to the Illinois attorney Generals office. I also exposed their lies. Transunion claimed that they verified the debt between me and XXXX XXXX to be valid. They claimed they had received additional information from the Original creditor that proved the debt was valid and mine. This was a lie. The original creditor verified that I had no responsibility for the debt. Now Transunion is retaliating aginst me by keeping my credit score low.
Consumer complaint received 2021-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- I have received a letter from Bank of America ( BoA ) on XX/XX/2021 stating that they are closing my credit card account due to Unusual Authorize Users. 

- I did receive a miss call from BoA on XX/XX/2021 but there was no voice message left behind in which I can not call back. I was not sure the intention of this call, but I dont think it was to prevent BofA from closing this account, if so they would of try to call me or reach me another time. 

- I called the Risk Department on XX/XX/2021 after receiving the letter for clarification. They said that this account is close, and it will remain close. The representative ( XXXX ) and later I spoke with the supervisor ( XXXX ), both firmly said its closed due to unusual activity. XXXX stated, A lesson learned, you can open another account but this one remains close even I told them I have no warning from BofA by adding Authorize User into my account is inappropriate which leads to closing an account. 

- I have mentioned to XXXX and XXXX that I have asked the BofA representative multiple times in the past that " is it safe for me to add Authorize User? '' The representative said that it is safe if ONE UA is being added at a time in which I followed strictly ( those conversations were recorded by BoA ). I will not be doing so if I know BofA will close my card. I have over 13 years with BoA under this account and with {$85000.00} credit line on top of Preferred Reward Member, I do not want to lose that. And mainly I do not want my credit score to drop significantly because of utilization and years of credit experience. 

- There is nowhere in terms and conditions stating the limit in AU per month or year, there is no indication what is right and wrong with adding UA, there is no restriction stating adding one AU and removing other is inappropriate, there is no warning from BofA at least saying this is not right and will close this card if persist, etc. Per XXXX, there is a group of people to discuss if its usual vs unusual activities in which I think its very subjective, for me its usual but for them it is not in which I can not know. 

- After shutting down my account, I had to find out that my card was closed from another company in which I set autopayment on under this card, I almost had to deal with late payment because BoA did not notify me that my card is not active. 

- In addition from not communicating to me before closing my account, BoA did not refund my reward cash bonus in my credit card account. They said the account is close and they are not able to return the reward I have earned.
Consumer complaint received 2023-06-12
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. (NV)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX U.S.C XXXX section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) States 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.