davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX and XXXX I had XXXX taken out of my account without my authorization. I have phone alerts set up to my phone which never went off, I went to withdraw money at the ATM and it said I have reached my limit for the day, so I immediately went on my account and it said I withdrew XXXX that day.Then went on to find more was withdrawn the day before.I immediately called Bank of america, got my card canceled and a new one sent out and the remaining balance transfered to a different account so I wouldn't have any more issues, and filed a claim.I have been speaking with different people everytime I call and have been getting the run around.They have asked me to file a police report, I did that.Then I was asked to send a statement of my whereabouts that day, I did that.I keep getting denials on my claim which they are being sent out a day after every time I speak to someone on the phone so I'm not sure how it's being investigated that fast.So then I filed a complaint with this company and I received a email from a resolution specialist XXXX XXXX, asking to call her.I have called numerous times left numerous messages, no call back to this day.So I called again to the claims department and now was asked to submit the police report with a copy of my driver 's license.Which I have now done.Now I have waited a week called back again and they really nothing more to say.I have done everything they asked.I told them to look on their cameras they told me they were not working that day, which now a different person has told me they always work.So I'm not understanding why here it is XXXX and still have not received my money back.
Consumer complaint received 2021-10-30
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: EQUIFAX, INC. (FL)

I am a victim of Identity Theft and have extended fraud alerts which I will admit does help protect my credit by declining credit applications but nothing is done about the inquiries from the attempts at getting credit in my name. The accounts are getting denied but the inquiries are remaining ; I have sent my police report, identity theft report and proof of ID to all bureaus requesting those inquiries are removed and they always fail to respond to me or remove the inquiries.
Consumer complaint received 2021-09-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I bought a house in XXXX XXXX with a mortgage {$320000.00} from the quicken loan company. The Rocket Mortgage is collecting money debts on behalf of the quicken loan. At the very begging of the Pandemic my wife lost the job. Then I apply for the forbearance plan and the Rocket Mortgage has approved and it has been extended up to XX/XX/XXXX of this year. 

On XX/XX/XXXX I called Rocket mortgage and ask regarding some questions regarding my payments, because my total due amount is {$34000.00}. I heard about a loan modification and I asked some questions regarding that loan modification. After couple of minutes he said that I have been approved for loan modification and he asked that can you pay three instalment {$1800.00} for three months and there after they can give a permanent modification. My English language is not good understanding of spoken language is poor. I thought about that and the amount that I need to pay less than {$160.00} amount for the modification and I consent to schedule payments. However, they didn't mention that how many instalments I need to pay. I thought that the instalments amounts are XXXX as original mortgage agreement. Thereafter I received a letter yesterday indicating that the total instalments amount are XXXX. My wife didn't know anything about that and he firstly noticed that the instalments amounts through the letter. My wife is the main borrower of the mortgage. But they didn't discussed anything with my wife. Today I called them and i informed that they misled me specially the instalments amounts. Then I asked to withdraw my acceptance. They say that They cant do that and if I need to withdraw I need to pay total amount of the dues ( {$34000.00} ) at one time. Otherwise they will foreclose my house. I need to pay regular mortgage according to the original mortgage instalment after the forbearance plan and give me chance to pay the dues ( {$34000.00} ) at the end of the mortgage agreement or whenever I sell the property.
Consumer complaint received 2021-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (IA)

HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH PHOENIX FINANCIAL SERVICES. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Consumer complaint received 2022-08-01
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. (MD)

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to EXPEL any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$75.00}
Consumer complaint received 2021-09-15
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've sent a dispute letter over 30 days ago asking each bureau to investigate inaccurate reporting. I sent the following disputes for each account on XX/XX/2021. ( U.S. Department of Education ) ( XXXX XXXX ). Failure to remove these accounts have hurt my credit. According to section XXXX civil liability for negligence noncompliance is any person who is negligence in failing to comply with any requirements imposed under this title with respect to any consumer is liable to the consumer in an amount to the sum of any actual damages sustain by the consumer as a result of failure to comply. It has been over 30 days and also I've ask for all supporting documents verfiying this alleged debt which was given each bureau 15 days to send supported documents which they have failed to do so.
Consumer complaint received 2021-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (NY)

On XX/XX/2021, I wen to to Navy Federal Credit Union Branch Located and XXXX XXXX to do a XXXX XXXX XXXX transfer transaction to XXXX for an amount of {$1000.00} plus {$14.00} transfer fees making XXXX. The transaction did not go through, so had to do another transaction to help someone in a desperate need. Unfortunately, the first transaction went through the next day so I had to go and cancel it. The bank clerk told me I should check back within 5 business days. I went back after that, they now told me have to wait 4 to 12 weeks to get the money back from XXXX XXXX. I have patiently waited 12 weeks ( today is XXXX XX/XX/2021 ). The bank is still telling me stories. They are still in contact with XXXX XXXX to get my refund to me. I call XXXX XXXX myself, they told me to have Navy Federal Credit union contact them because the transaction is in the Bank 's name as a sender. it looks like the Bank is not serious with my money. I am getting confuse here about what to do.
Consumer complaint received 2021-09-15
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. (LA)

I have made several attempts to communicate with your Offices to have the alleged accounts listed in Exhibit B DELETED from my credit report. 

The alleged accounts listed in Exhibit B are false, invalid, inaccurate and carry no documented evidence as being valid. To the least, none of these items have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely reporting these non-compliant and unverifiable items on my credit report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( 7 ) Negative information ( A ) Notice to consumer required ( i ) In general If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer the financial institution shall provide a notice of such furnishing of negative information in writing, to the customer.

( ii ) Notice effective for subsequent submissions After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section1681a ( p ) of this title with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

I did not receive written notice from any of the Data Furnishers that they were going to report negative information to a consumer reporting agency. 

In accordance with the Federal Law outlined above, I exercise my rights under the FCRA that you ( XXXX, Transunion, and XXXX ) provide proof of the required notice. 

I demand certified proof that your offices and the Data Furnishers complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you need to present me with a certificate in testimony that all of the alleged items presented in Exhibit B are in fact valid and not subterfuge?

I would like this affidavit to serve as my final notice to your offices to DELETE the alleged accounts listed in EXHIBIT B. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from Attached Affidavit ) *****
Consumer complaint received 2021-11-06
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I sent XXXX, Experian and XXXX dispute letters. The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (TX)

Negotiated a pay for deletion ; paid in full ; yet the company instead affirmed to the credit reporting agencies that the debt is valid and should remain on credit report. I called them and they stated they sent request for deletion to agencies two weeks ago. However, I spoke personally with all three agencies and they gave me conflicting information. Please intervene.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

XX/XX/XXXX. Travel company issue a credit back to credit card because we canceled trip. Amt= {$1600.00} XX/XX/XXXX. I called to request a credit refund. They said they will send a refund check to my address. 
XX/XX/XXXX Its been 2 months and I haven't received the check. I called company on this date. They said the check was already cashed. I told them i never receive the check. 
XX/XX/XXXX. I received a formal letter stating that the check was already cashed. I told them that I never received check and for them to open an investigation. 
XX/XX/XXXX. Called back to ask for status. No one can give me any info. 
Receive documents for me to sign and notarized to state that I never received the check. sent documents back to card company. 
XX/XX/XXXX. called back for status of case. They said the " they are suppose to hear back from bank in next day ''. And I should hear from them shortly. Never heard back from anyone. 
XX/XX/XXXX. called back for status and was given a phone number of Fraud department for me to call. 
XX/XX/XXXX. called the fraud department number but is was a non-working phone number. called back the regular Fidelity customer service line. and was told a supervisor will call me in 24 hours.

I still haven't heard back from card company. Its been 6 months and they are not doing anything to return my credit card refund.
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated.

These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-15
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. (IN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Weissman Attorney at Law (GA)

COMPLAINT NUMBER XXXX I AM REQUESTING ALLL DOCUMENTATION FROM WEISSMAN LAW LOCATION:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Georgia XXXX FROM XXXX XXXX THIS INCLUDES ANY ALL ALL COMMUNICATION REGARDING XXXX XXXX XXXX XXXX, XXXX GA XXXX, XXXX XXXX XXXX XXXX, XXXX GA XXXX AND XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM HIGHLY RECOMMENDING ALL DOCUMENTS, LETTERS ETC BE SUBMITTED IN IT'S ENTITRETY MEANING ORIGINAL CONTENT, ORIGINAL DATE AND ORGINAL SIGNATURE. UNDER NO CIRCUMSTANCE SHOULD ANY MODIFICATION TAKE PLACE OR ANY DOCUMENTATION LEFT FOR SUBMISSION. SPOUSE 'S BANKRUPTCY NUMBER XXXX. RETAILIATION BY ANY PARTY IS NOT ENCOURAGED AS WE ARE RECEIVING MESSAGES REGARDING DEATH INDIRECTLY VIA MAIL. 

THIS LAWFIRM STATED THEY HAD NOTHING TO DO WITH XXXX XXXX XXXX XXXX, XXXX GA XXXX
Consumer complaint received 2021-09-15
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. (CA)

i've been trying to fix this simple problem with the credit bureaus, i am a XXXX, and the credit bureaus have negative information in my file, that belongs to someone who is not a XXXX. I know i have a very common XXXX surname, which has gotten me involved withe courts once, but do not fill that a XXXX XXXX, and me a XXXX, should be mixed up. I have written them before and they have refused, to delete this information, please advise
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Im unable to open a bank account anywhere even after paying off the debt that I did not owe. I called the branch that I had the account with and they blamed me! Nothing has been done. All of my information was stolen from me my freshman/sophomore year in college and was used to put fake checks into my account. Ive been trying for the past four years to get another bank account and or credit Union and it wont work. I need a bank account it is 2021 and this is out of hand. I feel lost and uninformed on what to do to fix this so that banks can stop denying me!

I have a copy of my reports but I dont know what to do with the information.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I was in an approved disaster mortgage forbearance with XXXX ( XXXX XXXX XXXX ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/, which was incorrect as I have never been late at all. Since then, I have called and emailed XXXX numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX XXXX, and now you all. The past several XXXX supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from Experian showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. Please help!
Consumer complaint received 2021-09-14
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Everest Receivable Services Inc. (CA)

Received scare tactics to family members who would not provide my address. Received automated calls stating federal employees will arrest me or a warrant will be issued if I did not call back within a certain time frame. Told I was sued and I have to pay $ 1000s but never received court ordered documents to back up claims. Received multiple calls after advising not to contact my phone number anymore. I contacted the Payday loan service who said the debt was sold to a 3rd party and the company is not suing.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (CA)

My name is XXXX XXXX and I am submitting this complaint on my own behalf, and there is no third party involved. 

I am requesting that the imposed credit limit placed on my American Express Blue Cash Credit Card by AMEX be removed. I have spent the last 16 months with a Credit limit of {$3100.00} placed on my American Express Blue Cash Preferred Card, which originally had a limit of {$16000.00}.

Pursuant to 15 U.S. Code 1692d : " A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. '' Since AMEX has taken it upon themselves to fraudulently lower my available credit limit from {$16000.00} to {$3100.00}, this has significantly lowered my credit score and skyrocketed my revolving credit utilization ratio. It has also made it so I have been unable to acquire credit from other lenders, and my overall mental and financial well-being have really taken a hit. This is a direct form of personal harassment, and slandering of my personal reputation- which I do not take lightly, as a Federally Protected Consumer under Title 15 Chapter 41 of the US codes.

This action was supposedly taken as a result of a suspicious charge on my card, in which the company thought that I was using the card for purposes that were not allowed. The very premise of them " conducting an investigation '' is fraudulent though, per 15 U.S. Code 1681 ( a ) ( e ) : in order to conduct an investigation into this matter, they would have needed to gather " information on a consumers character, general reputation, personal characteristics, or mode of living, obtained through personal interviews with neighbors, friends or associates of the consumer reported on. '' They did nothing of the sort- and contacted no one in their supposed " investigation ''.

I demand that this credit limit be removed immediately, and that I am mailed via invoice {$1000.00} for each of the 2 Federal Laws that AMEX has violated- pursuant to 15 U.S. Code 1692k ( 1 ) ( A ).