davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had 2 deferrals due to impact of corona virus each of 3 months starting payment of XXXX till XXXX. I needed to cancel the deferral and refinance with another entity so I called the bank of America XX/XX/XXXX to cancel the deferral they told me I have to make XXXX payment to cancel it which I did, they took the money and misleadingly put it towards future XXXX payment. 
I called again on XX/XX/XXXX to double check I'm not on deferral they told me I have to pay the deferral amount which I did a total of 6 months. 
I call them every day spend 7 hours every days for 10 days now to stay on hold and they transfer me to different people but still they do not apply 2 months payments I believe they did that to prevent me from refinance to another bank. spoke to managers I have names, made complains they keep telling me its not in their hand. 
I keep paying fees for extension of the loan closure that I have with the new lender and the lock date is XX/XX/XXXX I feel I'm taken as a XXXX they had their money from XXXX of last month I keep paying for fees everyday and they keep making interests on my money. 
they promised me to apply the payments 4 days from the XXXX but they didn't. 
please help me switch my lender its affecting my life and my family.
Consumer complaint received 2022-07-22
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 this isn't 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with the fair credit reporting act XXXX XXXX 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 furnished a account without my written instructions
Consumer complaint received 2020-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I contact Transunion in XXXX and XXXX in regards to 3 fraudulent account that didnt belong to me that were due to identity theft ( XXXX XXXX, XXXX  XXXX  and XXXX  ) these account were open in my name without my authorization. I talk to representative in the beginning of XXXX to advised them of the issue and he asked for my police report number, and a statement, in which I did. Once the dispute was done they denied my request. I called and spoke with a rep who advised me that they needed a copy of my police report. I sent my police report and dispute letter on XX/XX/XXXX certified mail and I showed it was received XX/XX/XXXX ( tracking number XXXX. I called Transunion in XX/XX/XXXX to see if they started progressing my dispute, they told me they having got it yet and it takes 5 days for the dispute to get into the system. So I waited until today XX/XX/XXXX to call to see if they received. The first rep I spoke lie to me and told me they havent received it and started to mention my old old disputes. Then he placed me on hold for 20 minutes then stated that they received my request on XX/XX/XXXX and that they closed out my request today XX/XX/XXXX and they my dispute was denied again. So i called them again and requested to speak with a supervisor, once the supervisor got on the phone, I advised of the last representative that I spoke with him, and I asked her to look over my disputes. She looked over my disputes and she told me that they didnt received my letter for XX/XX/XXXX and she then progressed to open a new dispute ... I dont know whats going on with Transunion but they are violating a lot of the fcra rules and regulations and they arent protecting victims of identity theft. The fact that arent taking this issues or trying to help me with this issue is disgusting. I feel like they are trying this like a game. This is my life and my credit. I worked hard to keep get my credit good. The fact that they arent doing their job is just disturbing. I will be also contacting the ceo XXXX XXXX to review all those calls and to see how his employee treats their customers and how they dont follow the fcra follows
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP (CA)

Key bank back office closed my 2 checking accounts on XX/XX/XXXX  which are active and have positive balanced, without informing me what so ever. They claimed to have mailed me checks to my balance along with the reason why they have closed my accounts. When I called customer service they kept pushing the responsibility to their back office which does not have phone number I can call. They refuse to reopen my accounts and told me to call a branch and open a new account and the supervisor on the phone says the branch will review to see if I would qualify for an account. I feel discriminated against and humiliated. The other manager said the bank will not  reopen my account because the back office had review my accounts and decided to not keep the relationship. I again am very upset that when I deposited {$100000.00} into the account they did not say such things. I have had my accounts for many years and I have set up many deposits going to these account and now they are causing me a lot of trouble to re route everything.
Consumer complaint received 2021-05-10
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. (GA)

Hi, I am writing to you regarding crazy situation that happened with me. I found accounts that do not belong to me. I mean they are not mine. I am identity theft victim and I am very stressed out because of this situation. These unknown items just killed my report. Please do something and delete them
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC. (FL)

Paid apartment complex debt off and debt is showing on my credit report as paid however not deleted. The rep verbally told me that the item would be deleted. 

Capstone collection ( XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX  balance paid on XXXX XXXX ... 
Capstone collection ( XXXX XXXX ) XXXX  balance paid on XX/XX/XXXX XXXX ... 

Both accounts paid and NOT deleted as stated to me verbally during the transaction of paying this debt off..
Consumer complaint received 2022-09-21
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX : {$320.00}
Consumer complaint received 2020-10-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc (OK)

I was charged an escrow shortage on my Escrow review period XX/XX/XXXX - XX/XX/XXXX of XXXX through the company XXXX, I paid that shortage in one lump sum on XX/XX/XXXX to avoid having a large monthly payment of XXXX. The payments did go up slightly from XXXX to XXXX, but it was to balance the escrow going forward as this was for a new build home and property taxes were severely under estimated. The loan company continued to try to run the auto-payment for the amount shown on the escrow review as if I didn't make the lump sum payment, XXXX. They eventually resolved the amount taken in my autopay, however they charged me fees for the issue which they stated they would credit off my account, but never did. I called and every time they said they are taken care of, but it would appear on each statement. 

The company changed from XXXX to XXXX XXXX. XXXX XXXX sent an escrow review on XX/XX/XXXX. The review was wrong right from the start, as it showed my " current payment '' as XXXX, which was the amount from the last review if I didn't make my shortage payment, which as I stated before, I did make that shortage payment in full. 

It also shows charges for FHA loan and PMI. I do not have an FHA Loan, I have XXXX  XXXX Loan. I do not pay traditional PMI, I pay XXXXMI and those payments were set in my amortization schedule I received with my closing documents. 

The main issue causing the shortage is the difference between PMI I'm being wrongfully charged for XXXX and XXXX MI which was supposed to be XXXX per my amortization schedule. My property taxes also went up slightly XXXX, my homeowner 's hazard insurance with state farm stayed exactly the same. So my shortage should have only been around {$100.00}. 

I have contacted XXXX  XXXX 's customer service who told me the PMI and FHA charges are correct, however I have my loan documents and I not sign for a FHA loan with traditional PMI, my documents specify this is a XXXX  XXXX with XXXX. 

Please review this, I will attach my Escrow review from XXXX XXXX.
Consumer complaint received 2020-10-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Consumer complaint received 2022-07-22
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. (NJ)

I am filing a complaint for the following inaccurate information on my credit report. I have highlighted the items that are inaccurate on my credit report. I have also attached screenshots of the inaccurate information on my credit report. 

The following items are inaccurate on my credit report : XXXX Incorrect account number Incorrect high balance Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect payment status Incorrect creditor remarks Incorrect last payment date XXXX  XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit XXXX  Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect payment status Incorrect last payment date Incorrect credit limit XXXX XXXX XXXX Incorrect account number Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect account rating Incorrect creditor remarks Incorrect account status Incorrect last payment date XXXX Incorrect high balance Incorrect last verified date Incorrect date of last activity Incorrect date reported Incorrect date opened Incorrect date closed Incorrect creditor remarks Incorrect last payment date Incorrect credit limit To resolve the problem, please investigate this matter and contact the credit bureaus to have them update or delete this inaccurate information from my credit report as soon as possible.
Consumer complaint received 2022-07-22
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. (PA)

I have reached out to Experian, XXXX and XXXX about accounts reporting delinquent when they are indeed not. These reporting agencies will verify without any actual verification. I have requested proof of verification but each company refuses to send verification. I legally have the right to be shown proof of verification. I require full disclosure and documentary evidence pursuant to 15 USC 44, that this information has been properly verified in the event of further legal proceedings. I demand to have full verifiable information. They are required by federal law to provide physical evidence which they have not and Im demanding for all of the inaccuracies being reported be removed immediately.
Consumer complaint received 2020-09-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WA)

This complaint is about Marcus, an online savings account affiliated with Goldman Sachs. 

On XX/XX/2019, I attempted to use the banking web site to transfer money from my savings account to another financial institution. Marcus ' web site told me that the transaction was in progress and would be completed within 3 business days. 

On Monday, XX/XX/2019, I attempted to access my Marcus account online and was told by the web site that it was locked and I needed to call the company during XXXX XXXX ET to XXXX XXXX ET. 

On Tuesday, XX/XX/2019, I phoned XXXX to regain access to my account. I was placed on hold for 54 minutes while XXXX   allegedly attempted to verify my external bank accounts. My external bank accounts had been linked to XXXX months earlier and had successfully transferred hundreds of thousands of dollars to XXXX months earlier. 

During the lockout period, I was unable to look at statements or any information related to my account, which is all relayed to me electronically.
Consumer complaint received 2020-07-08
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. (NY)

I have been disputing many items on my credit with the XXXX, Experian and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.
Consumer complaint received 2020-10-06
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$8800.00}, {$8800.00}, {$1400.00}, {$420.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$8800.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account.
Consumer complaint received 2020-10-06
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. (MO)

The collections account from XXXX  XXXX XXXX  that you are reporting does not belong to me. I have already contacted XXXX  XXXX XXXX  to remove me from their system and for this in accurate account to be removed from my reports. I was a victim of ID theft 6 yrs ago and I work hard to get my reports as accurate as possible. There is a fraud alert on  my reports and no credit of any kind should be extended without my permission and signature which I'm sure XXXX  XXXX  does not have because this account does not belong to me. The date of birth is also incorrect.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC (TX)

To Whom It May Concern : I am writing to request a security freeze on my consumer credit file and a certified copy of my complete consumer report, as permitted under the Fair Credit Reporting Act ( FCRA ). 

The primary purposes are to prevent unauthorized access to my credit information, protect against potential identity theft, and obtain a comprehensive review of my current credit status. 

I am specifically requesting a complete and certified consumer report that includes all comprehensive details maintained in my file. This should encompass a full overview of my credit accounts, detailed inquiry history, personal identification information, and any additional notations or remarks present in my records. 


Identifying Information : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Date of Birth : XX/XX/year> Social Security Number : XXXX  Please send all documentation via certified mail to the address listed above. I request written confirmation within 3-5 business days. 

My goal is to exercise my legal rights and protect my personal financial information. 


Thank you for your prompt attention to these matters. 

Enclosed Verification Documents : Government-issued photo identification with current photograph Official proof of current residential address Additional supporting identification materials
Consumer complaint received 2020-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

This bank is supposed to give rewards for purchases. They are very slow in giving rewards on purpose. It's a continuous problem with Citizens and Mastercard. They are slow ... .. in updating. Their website for credit cards says to go to e-mail to retrieve a one time passcode but it is never there even after a half hour of waiting. There is something terribly wrong and it has to be corrected. Here I get XXXX cents interest on a large sum of money but they advertise big rewards. And then one has to ask for the rewards which are unattainable! Please investigate this possible consumer issue.