davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

When I log into my account BOA is not allowing me to dispute a transaction charge online. It keep referring me to call customer service dispute direct. 

I tried disputing a charge for {$17.00} REF # XXXX / XXXX
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX of XXXX, I ( XXXX XXXX ) paid off my XXXX  Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both XXXX XXXX and XXXX XXXX loan and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX  XXXX  and waited on a response, still nothing has been done!
Consumer complaint received 2021-04-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery A is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given them written instructions to report anything on my credit report. They have harmed my reputation and stop me from receiving services or goods by lowering my credit score.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I have been disputing and sending evidence on this inaccurate bankruptcy for months on my credit under Experian. I have evidence its unverified and inaccurate. I attached all the evidence. If I cant resolve this issue In 30 days Ill be contacting my attorney.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

To whom it may concern, I have tried to send the credit reporting complaint after complaint about dislitiqucy reports on my record. I had XXXX XXXX that are all paid off but they seem to refuse to take them off after i have asked the last 3 months. That is not reporting my credit report the right way by doing this please help. It is bringing my fico score down big time.. Thank u XXXX XXXX XXXX
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was trying pay my uncle from a mobile app called XXXX, but mistakenly I wrote the wrong number and send it to somebody else. As soon I found out of my mistake, I called bank of America to tell them to cancel the transaction but they said it has to be processed first in order to cancel it. I waited 2 days and called back and filled the claim, and I also called the person and she said its not her fault there still XXXX people out there and that she needed the money anyways.
Consumer complaint received 2022-09-27
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-30
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. (VA)

I sent out investigation letters to Experian, XXXX, and XXXX on XX/XX/2019 ( Tracking # XXXX XXXX | XXXX XXXX | Experian XXXX ). The credit bureaus completed the investigation and stated that the report was 100 % accurate. I disputed that a bankruptcy was reporting on my credit profile and should not be reporting. They told me it was verified ( at the present date this bankruptcy is still reporting on my credit report ). 

According to the law 15U.S. Code 1681a-Definitions ; rules of construction. 

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 the consumer or from the consumer. 

I would like to know who did they talk to regarding this matter. 

How did they complete this investigation?
Consumer complaint received 2024-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

I tried to make a payment online using my Citi AAdvantage Platinum Select World Elite Mastercard credit card. The payment did not go through, so I tried again, utilizing multiple other methods ( XXXX, XXXX, all of them having the same card as a recognized payment method ) but the payment still did not go through. Eventually the credit card got locked. I called Citibank credit card services to unlock it, and they indicated that the only way to do so would be to wait for a letter in the mail (! ). I explained that I would be leaving in a few days, and I would be traveling overseas for an entire month, so I would not be able to receive the letter on time, and requested to either ( A ) receive the letter by express courier or ( B ) utilize a different identification method, such as me personally going to a Citibank branch, bringing my ID. Citibank credit card services did not accept any of those. As a result, I'll be traveling out of the country for a whole month without being able to use my credit card, and I won't be able to pay my bills.
Consumer complaint received 2019-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: HSBC NORTH AMERICA HOLDINGS INC. (WA)

On XX/XX/2019 I was approved online for a credit card with HSBC Bank. On XX/XX/2019 I received two letters from HSBC. One without a date containing my new credit card with activate instructions. The other a dated letter from HSBC Bank USA, N.A., Fraud Prevention notifying me that they have have tried multiple times to reach me by telephone unsuccessful. A security block has been place on the account in question. When calling, please provide the reference number provided above. 

When I call any number provided by HSBC Bank it is almost always multiple hours of hours of holding on with my last call to fraud prevention department XX/XX/2019 took a fraud prevention specialist 5 hours to answer my call. Upon speaking with this representative I was informed that I would be receiving an email with instructions and to follow those instructions and submit the necessary documents in order to remove the temporary security block on my account. 

I submitted the necessary documents on XX/XX/2019 XXXX & again on XX/XX/2019 XXXX after discovering my account continues to be blocked by a security situation initiated by the HSBC security center without me making any complaint of fraud on my account to HSBC. XX/XX/2019 at XXXX a message is left at my contact number that I need to call them back again. 

Every communication ( Chat, phone, email ) I have had with HSBC results in representatives being liars providing false contact phone numbers and instructions on how to remove the security block without processing the documents submitted. I have recorded video/audio evidence all of my communications with HSBC and would love for somebody to examine it. 

Their is no excuse for any bank to create a high call volume by placing security blocks on newly opened accounts when most of the same information was submitted during the online application process that HSBC approved then denies to provide any service except not using my HSBC account by any means available to keep me uninformed.

Do not open any account with HSBC as it's nothing but a never ending head ache with apparently one goal. Eating the client!
Consumer complaint received 2019-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NJ)

I was never notified of the foreclosure/auction date. I happened to get a notification last week from XXXX regarding my property and the auction. I instantly reached out to the Mortgage company to see what was going on and they said that I had been notified and that they would not speak to me regarding a modification. The company that I hired to help me through this process told me the name of the mortgage companies attorney. I called them looking for assistance and they told me that they sent me notification of this and when I started to ask them for copies of information, I asked her what address they were sending it to and they were sending the info to an address that I haven't lived at for OVER a year! I know the mortgage company has the correct address because they still send me statements. I called an attorney for myself and he reached out to the mortgage attorneys who said that the have advised their customer to postpone the auction and foreclosure until I have been given proper notification. My representative from the company that is trying to counsel me, has also reached out to the mortgage company and they are being very emotional over this. 
They are in the wrong as they did not provide me with the proper paperwork or time to try to rectify this situation. Hopefully allowing me the time to try to get a modification. The mortgage company said no and was still going ahead with the foreclosure. This doesn't seem right. All I want to do is work out a modification or payment schedule to keep my home.
Consumer complaint received 2021-10-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Javitch, Block & Rathbone LLC (OH)

I am currently under an order by child support enforcement for in excess of 25 % of my wages. XXXXavitch & Block, llc sent me a notice of court proceeding to collect debt. 
i sent them a letter advising of such with relevant case numbers and advising the order is in affect until XXXX they filed a garnishment anyways, at my old job. they sent a second notice of court proceeding to collect debt and i sent emails to the attorney who was on the form and the managing partner. they filed the garnishment anyways. This is legal harassment and i believe it violates the FDCPA if they knowingly attempt to attach funds that are not attachable. I have received no response from Javitch Block. this is also running up the costs on the judgment which seems punitive
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMA Advisors, LLC. (TX)

This is a continued case from Compliant # XXXX I received 2 calls both a message with no person 's name just a voicemail to call HomeBridge and a phone number. ( Very unprofessional ). When I called back they said that everything is cleared up on my account and that I did not owe any past due amounts. They said I would receive a letter any day about them sending a notice to a 3 credit agencies to remove any negative marks. ( I did received the letter ). After our conversation ended, the rep called me back and told me that I actually overpaid all this time {$2700.00} and asked if I wanted a check. I told the rep that it was suppose to be applied to the principal all this time. I told him I would discuss with my Husband and my bankruptcy attorney. I received the 2nd call no name just voicemail and I called back they said my loan will be transferring to a new mortgage company. I told the lady rep that I wanted them to apply the {$2700.00} to the principal. She said she would make note. 
In regards to the letter from Homebridge
( see their response on the previous C
ase # XXXX. My comments to this letter are : I received a escrow statement they sent to my lawyer every year except XXXX. By LAW they are to send every year 's escrow payment to the bankruptcy lawyer and file with the court. They did not do this for XXXX. My bankruptcy confirmed they did not file with the courts per court records. Homebridge does say due to an inadvertent staff member error .... I never saw a past due amount on the escrow statements I received in XXXX and XXXX and paid what the new amount was. The letter further says that I told them to apply part of the {$2700.00} over payment to my XXXX mortgage and apply the balance to the principal. I did NOT tell the rep this. 1st of all I had already paid my XXXX payment. I told her to apply all the {$2700.00} to the principal. They need to go back to the RECORDED call! I do not yet again want the {$1700.00} I just paid for XXXX mortgage to be setting in Homebridge 's savings account getting interest when I said to apply all of the over payment to the principal. 

All of this time that I have been paying extra to go toward the principal was going to Homebridge 's account earning interest for them while they were sending remarks to my credit agency. This also caused me to pay more on interest since it was not being applied to the principal. I do not think this is fair. Finally there is a Monetary relied amount listed of {$340.00}?? What is that? I haven't seen that and that is nothing compared to this mess and time I have to waste on something due to HomeBridge 's employees errors. 

To make this all worst!! I received another statement 2 days ago with past due amounts AGAIN {$1300.00} pre bankruptsy and {$1800.00} past due???. This is not cleared up and now this will be reported to the credit agencies again! I would like these past due amounts to be taken off my account ( see statement attached ). I may have to take additional means to get this cleared up.
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST MERCHANTS CORPORATION (MI)

My mortgage was transferred to XXXX XXXX XXXXXXXX Bank on XX/XX/22. I hadn't received any information on my new mortgage so I called on XX/XX/22 and was told that I would need to reach back out after XX/XX/22 for more information but that I wouldn't need to worry about it too much because there was a 60 day grace period after the transfer to catch up on my payments. 

Time got away from me and I was planning on signing up on the online portal this week when I received a packet in the mail indicating that my mortgage was past due and I was in collections. I immediately called their customer service line and was transferred to their collections department on XX/XX/22. 

I was speaking with XXXX around XXXX. I explained the circumstances of my mortgage being transferred on XX/XX/22 and they said there was no record of my calling the bank on XX/XX/22 and that the information was wrong and I only had a 15 day grace period. This person was extremely rude to me, refused to transfer my call because I was " already given the information I needed. '' I made the payment and when I said I still wanted to speak with someone, this representative hung up on me. When I called back later, I was again connected to collections but then I requested to speak with customer service and was eventually transferred to XXXX, who then informed me that it's the law that after a mortgage is transferred that I have 60 days grace to make my payments without penalty or reporting to credit bureaus. She apologized for the person in collections telling me that information. 

I was provided the correct legal information when I made the call on XX/XX/22. Regardless of how late I was in the process, the collections agent should have known the law and they should have provided me with the correct information. This was unethical to attempt to be the one to collect on this payment. I was going to make my payment this week without the XXXX XXXX thinking I was defaulting on my mortgage. Additionally, I think it's somewhat deceptive to send a collections letter without also noting that my 60 days grace period was almost at the end and to make the call right away to make my payment or else I would be in collections. 

The customer service representative, XXXX, was very lovely and was able to calm me down. They also said that they would file a complaint on my behalf but the more I thought about it, the angrier I became about the situation.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX morning I noticed 50 fraudulent transactions in my Bank of America checking account. All transactions were fraudulent and made by XXXX. I visited BOAA XXXX branch and spoke to concerned department over phone with the help of an officer. They assured me that my account was protected and they would refund my money. On the same day evening I found more fraudulent transaction in my same account. I called the bank and they said they have locked my account and they will look into the matter. Next morning I found more fraudulent transactions. I called the bank again and they said they will take care of everything. In the meantime all my money were transferred to fraud account.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX is reporting inaccurate information on my credit file. I applied for a secured loan through XXXX XXXX. Without my consent they converted my secured line to a credit card. I did not know they had done this. They applied lates to my account and I had no idea that I had lates over 90 days. XXXX XXXX did not end e a notice of any sort. No phone call, no letters.. NOTHING! This is a violation of my rights. I never gave any permissions nor consents to convert my secured loan to a credit card. These lates need to be removed off of my credit file immediately. When I spoke with XXXX XXXX they said they would remove the lates, yet they have nothing!
Consumer complaint received 2022-09-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Uplift, Inc (TX)

I am complaining about the financial conspiracy between uplift Inc and XXXX XXXX to defraud me of money paid for a service they never provided. I filed a missing report with XXXX for the missing document that occurred at their facility on XX/XX/2022 that led to my family 's embarrassing and devastating experience that took our planned vacation from us, but XXXX has not responded with the status of the missing document signaling they have no morals or ethics. I continued paying Uplift hoping they would know my fair and honest intention in this situation, but it is obvious that both uplift and carnival are in conspiracy to defraud me of a service that was never provided for which XXXX, which uplift claims is their client, has refused to update the status of the filed missing document.