davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

I bought my home in XX/XX/XXXX. I am XXXX XXXX XXXX and I applied for and was approved for the Senior Homestead exemption on my taxes in XX/XX/XXXX. I have been asking for the escrow to be recalculated to reduce the payment since XX/XX/XXXX. I sent XXXX more emails to their customer service dept. on XX/XX/XXXX. They still refused to confirm receipt of the documents. So I called them XX/XX/XXXX to see what else they needed or to get a status of the request and they said they never received the documents. They told us to send the documents again so I emailed the same address again with the new tax bill showing the exemption along with the original application and my new ID with the address on it. I was told it would take 30 days to process the " analysis '' of the escrow. We called again XX/XX/XXXX and XX/XX/XXXX and they still do not know when it will be complete. This is causing me great financial hardship and I need help to make them adjust these payments. I am getting refunded by the tax office because they are collecting too much for the taxes but still refuse to process the change to the escrow. I don't know what else to do other than to file this complaint and see what can be done to help me get this processed. I am a retired XXXX Veteran and among some of the first women ever enlisted in the XXXX as a XXXX. I deserve this tax break and I have worked my whole life. I see no reason why it takes 6 months to a year to recalculate the tax deduction for the escrow. 

Thank you XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

The 5th 3rd Bank placed a hold on a check deposited from a XXXX Account which cleared the next day. They place a XXXX hold on the check, claiming that it takes 9 days for the Federal Reserve to instruct them if funds have cleared. When I indicated that the Federal Reserve clears funds every night at midnight - they then changed the story to the FDIC - when I explained the FDIC doesn't hold funds - they refused to further answer any questions regarding the funds and indicated I would have to wait until they decided to withdraw a hold. 
I asked that since they finally admitted that the hold was by Fifth Third Bank and neither government agencies- the lady said she can not pull a hold - in fact, Fifth Third gives full authority for a supervisor or Branch Manager to pull holds.

At this time, the funds are misappropriated and misplaced illegally by Fifth Third Bank and they can not identify where the funds are now held.
Consumer complaint received 2022-10-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was solicited by Bank of America. I had a high rating for many years. The entire process was as told by the promotion person was recorded. 
The agreement was for {$15000.00} leaving a balance of credit with my account. 
The terms were " Interest free for 17 months for a fee of 3 % ''. I paid off the balance I had and agreed to pay the {$450.00}. 
Soon I saw rather large interest payments on a small recurring XXXX monthly charge. 
I called several times and never got a reasonable reason. 
I removed the recurring XXXX charges and started getting very large monthly fees. 
I went to a advisor who represented me on a call and was listening to the same unfounded reasoning about the charges. He was told to hold on after 3 different representatives and talk to the promotion department. There was no more conversation they hung up on him. 
I am a 82 years of age and have these monthly charges I do not deserve. I also believe I was targeted because of my age. The XXXX XXXXXXXX of NY XXXX XXXX guided me to your office.
Consumer complaint received 2022-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (LA)

Returning home after being displaced because hurricane ida in XX/XX/2021, my family and I attended an event that was offering free food, free legal assistance, assistance with fema, and other different free resources. Att was also on-site and to my knowledge offering free phones with two months of free service. The phone was eventually disconnected only 30 days later, and apparently not free because here I am currently in the process of disputing these charges from my credit report. I feel that this company preyed on myself and several other people that were in a very vulnerable state at that moment. I wasnt financially able to pay my rent at the moment, so I definitely wouldnt have agreed to take on another bill.
Consumer complaint received 2022-10-06
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. (NC)

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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XX/XX/2021
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

Today, for the first time, I am reporting someone trying to SCAM me " and probably many others, including the elderly '' about my " their '' debit card with Citizens Bank. Please, help stop this. There is an " active '' link in the email that you may not be able to access from me posting it to this message. 
I will send you information from the email I received : Subject : Financial Fraud CITIZENS-ALERT : Your Debit/ATM card has being restricted due to an unusual transaction. Visit : XXXX to reactivate your Debit Card.
Consumer complaint received 2022-08-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it againXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I thought I purchased a service to trade a time share for a vacation club membership. They asked for nthe transfer costs on XX/XX/XXXX. The first transaction was charged on my American Express Card amount of {$9000.00}. The second charge was {$1500.00} on my American express Card. In XXXX the local offices were closed and I was left holding the bag. XXXX was contacted and I was advised that the corporation that ran the charges on my card did not exist and they were nshut down by the attorney generals office and charged with fraud. This took place in early XXXX of XXXX. I had difficulty getting the old statements mailed to me. On XX/XX/XXXX, XXXX the case was filledand a letter outlining the events, as well as the attorney generals findings. Our case number is case XXXX XXXX. 0ver the ensuing months, we called AMEX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XXXX. Each time there seemed to be a lot of uncertainty on their part as to what was happening and where their investigation stood. Each conversation was an hour or more and included promises of returning ncalls, which never happened. At one point ba card credit was posted on my account was posted and later rescinded and that just added to the overall confusion. AMEX never once alerted me about this company and I felt abandoned. I heve a long history with AMEX and have spent enormous amount of money.
Consumer complaint received 2022-07-12
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. (TX)

Received hard inquries for something that was not even supposed to be a credit pull due to me not authorizing these : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX XXXX
Consumer complaint received 2022-10-14
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX  months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Consumer complaint received 2022-10-06
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. (IL)

I truly appreciate the Credit Bureaus ' efforts in removing a portion of the accounts that I have been disputing for the past 5 months. However, I see here that the action done by the Credit Bureaus is not yet enough to completely remove the disputed accounts from my Credit File. I am now submitting this CFPB Complain to request to the Credit Bureaus once again to remove the disputed accounts from my accounts completely this time. Under the Fair Credit reporting act section 605b, the Credit Bureaus are required to remove the disputed accounts and information from my Credit file that resulted due to identity theft. As I previously complaint about, I require the Credit Bureaus to send me copies of documents bearing my signature as proof of ownership or any proof of verification from the Creditors themselves. However, I have waited long enough and I never received anything from the Credit Bureaus. I previously sent dispute letters to each Credit Bureau on XX/XX/XXXX, with complete attachments of my personal information as well as the ID THEFT REPORT I received from the FTC. Once again, I am requesting the Credit Bureaus to please remove the following accounts completely from my Credit File : 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 2022-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I am submitting this CFPB complaint to request the removal of account XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00} that is erroneously and fraudulently reporting on my Credit File. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX XXXX XXXX was incurred due to fraudulent charges, which according to XXXX XXXX XXXX XXXX XXXX I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (GA)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2022-08-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2022-10-06
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. (NC)

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX Balance : {$420.00} U S DEPT OF EDXXXX XXXX Balance XXXX {$38000.00} U S DEPT OF EDXXXX XXXX Balance : {$33000.00} XXXX  XXXX XXXX  XXXX Balance XXXX {$9800.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Hello. 
Citibank closed by checking account I received 2 emails emails on XX/XX/2022 " We noticed unusual account activity For your security, we've temporarily blocked your accounts. '' And another one after 15 minutes " Your Citi account ( s ) will automatically close within 60 days '' The email promised that I will get more details in a physical mail and a check with remaining funds, but I did not receive it. Multiple calls to consumer service with my complains about lack of information did not resolve the problem. The only response was physical main is coming, noting is available in the mailbox.

I still get some useless physical mails from Citibank. For example, one mentioned a product change for closed Citi XXXX credit card. 
Communication with the bank is also strange, they mentioned suspicious activity, but did not provide a way for me to verify what happened - access to the web site is forbitten and customer service phone representative tell that they don't see the info since account is closed. 

Please ask Citibank for the reason why account was closed and confirmation that proper explanation was send to me. I also want an easy access to receive the remaining funds. Waiting for check send by a mail takes too long and I don't even know if it was send. 
Thank you. 
XXXX. 

Account details : Online checking account XXXX XXXX XXXX XXXX XXXX Email : XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL XXXX
Consumer complaint received 2022-08-16
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. (VA)

XX/XX/2022 i sent several letters to creditors XXXX XXXXXXXX {$820.00} {$640.00} {$400.00} XXXX XXXX {$820.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX  {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX  {$890.00} XXXX XXXX {$2500.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} {$570.00} XXXX XXXX  {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : " XXXX XXXX Balance : Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$490.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} "
Consumer complaint received 2022-10-06
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. (LA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 are not relating to any transaction by the consumer. 
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 2022-11-30
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: Atlanticus Services Corporation (PA)

Isnt resolving disputes billing errors 15 USC 1666B Under 15 USC code 1692j - furnishing certain deceptive forms I am not participating inn the collection of this alleged debt. Cease and desist " Fraud vitiates the most solemn Contracts, documents and even judgments '' [ U.S. vs. Throckmorton, 98 US 61, at pg. 65 ].