davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

In XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) we submitted two signed third party authorizations, from borrower XXXX XXXX twice and their own call records show XXXX XXXX called Shellpoint and the Bank XXXXXXXX XXXX XXXX XXXXXXXX, requesting they provide me with a pay of borrower XXXX XXXX 's loan. They refused to do so but their attorney 's XXXX XXXX and XXXX XXXX lied to two court, XXXX to federal bankruptcy XXXX that we could go across the street and get a mortgage, which I could not because they refused to give us a payoff, and XXXX XXXX stating a payoff could not be provided because he had to protect his client, XXXX XXXX 's privacy, when in fact XXXX was fully aware his client XXXX  had two authorizations and neither his firm nor XXXXXXXX XXXX XXXX did not represent the new master servicer Bank of America. I spoke to Bank of America who advised me that both authorizations I submitted in XXXX ( Attorney XXXX XXXX letter ) and XXXX ( Authorization ) from borrower XXXX XXXX were sufficient for XXXX  to have provided me a payoff letter. The new law firm in a letter dated XX/XX/XXXX, from XXXX XXXX XXXX, Managing Member XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law, representing Bank of America responded to my complaint # XXXX, by falsely stating I had stated that I had never gotten a copy of the foreclosure judgment, which was a lie, as I had never stated that. Further he NEVER offered to provide me with a authorization for his client Bank of America, who in fact provided me their payoff authorization for borrower XXXX XXXX to sign earlier this week. This is a continuing violation of federal law and FDCPA.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CO)

I am an XXXX XXXX military member, and am verified in the Military Lending Act database as an XXXX XXXX military member. I opened XXXX cards ( American Express XXXX, Gold, and Blue Cash Preferred ) under the pretext that I would be granted MLA benefits including waiving the annual fee for all three of these cards. Annually, the fee for the XXXX card was increased from {$550.00} to {$690.00}, the XXXX card is {$250.00}, and the XXXX XXXX XXXX card is {$95.00}. I am now being charged {$1000.00} annual for these cards while being eligible for these fees to be waived. 

An automatic inquiry is opened to determine SCRA/MLA benefits when the card is opened. That report came back stating I was ineligible for both. It is true that I am ineligible for SCRA benefits since I opened these cards while on XXXX XXXX, but I am eligible for MLA benefits. 

After learning I was denied, I submitted another dispute the same month that the cards were opened, XX/XX/XXXX. That came back saying I was denied again with no reasoning articulated. 

I called and talked to representatives. They told me to submit again. I did in XX/XX/XXXX and was denied again with no reasoning articulated. 

I repeated this process three or fouXXXX more times, with the latest being this month -- XX/XX/XXXX, and was denied again each time. 

I called American Express numerous times to try to resolve this. Most times I was told there was nothing they could do and it was an internal branch of the company with no direct contact with customers. I just wanted an explanation as to why I was denied. 

Once I worked with a representative who was convinced I was right in my claim that I was eligible for MLA benefits. She was so convinced that she herself refunded me one annual fee for the XXXX card through her supervisor and then sent up a complaint the the MLA team. She told me that they said that I was ineligible because the benefit wasn't applied to my account within 18 months of account opening, even though I have been trying to secure these benefits since the month that I opened them. She was still convinced I was eligible and promised to keep working with me and the MLA team to find a solution. We had email correspondence but eventually she completed stopped replying to my emails and I haven't heard from here in about a month. 

I want the MLA benefits that I am entitled to applied to my account, but the bureaucracy of the MLA team is getting in the way of finding a solution. I have tried numerous times over the course of two years to sort this out through American Express and have gotten absolutely nowhere. I am wrongfully being denied MLA benefits that I am entitled to as an XXXX XXXX service member.
Consumer complaint received 2022-07-08
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. (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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-03-23
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: ID Analytics, Inc. (TX)

I have called XXXX XXXX Numerous times, Left Numerous voicemails requesting a security freeze be placed on my file, and for a copy of my consumer report. They refuse to call me back, They haven't placed a security freeze even though I am a victim of identity theft and refuse to even reach out to me. Please review the Identity theft affidavit below, and promptly send me a copy of my consumer report. Also please place a security freeze on my XXXX file as there is fraudulent accounts on my XXXX consumer file that I will need to have blocked, but I have not been able after numerous attempts to obtain a copy.
Consumer complaint received 2022-08-20
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2022, the XXXX XXXX XXXX XXXX charged me {$110.00} for XXXX  service. However, the Clinic accepted my insurance and agreed to issue a refund for the credit card charge. After two month of waiting, I didn't receive the said refund and thus I disputed with my credit card company Capital One, who issued a temp credit. The merchant has the responsibility to provide an answer if they disagree, but I have never received such response from Capital One. On XX/XX/XXXX, I was notified by Capital One that they are going to re-bill the charge due to lack of sufficient documents from me. I submitted whatever I could to help with the case, but it seems like Capital One is not disputing for me.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible!

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor ; because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on, 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00} because I am victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

Today I was scammed by a man impersonating a police officer and government employees for social security. He said he would arrest me if I didnt abide on drug charges and money laundering because these crimes were under my name so he said I may be the perpetrator and the only way to clear my name would be to empty my accounts on to gift cards. Hope the could catch the perpetrator by freezing my account but by the end of the day he got about XXXX out of me and I called my bank but they were unable to help me with this fraud.
Consumer complaint received 2022-08-19
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. (KS)

On XX/XX/XXXX both my spouse and I received negative remarks on our separate credit scores reported by Transunion. We see it as no coincidence that both of our credit reports by Transunion dropped exactly by 34 points and both of our accounts state there is a remark on our individual XXXX XXXX accounts. I contacted XXXX XXXX and my accounts are all in good standing and there are no remarks. I then contacted Transunion and was informed of a public record that has been reported since XXXX in which I have worked very hard at repairing my credit. 2 days prior to this drop I had an increase in my score for exactly 34 points after filling disputes. I have done nothing nor has my spouse for there to be any change but maybe an increase due to on time payments and above the minimum amount. Transunion is falsifying information and destroying two different peoples credit with the exact same -34 points and for a false reported remark from the exact creditor. We do not share accounts or any finances. Please look into this.
Consumer complaint received 2023-04-08
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. (TX)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXX XXXX XXXX  XXXX Balance {$780.00} ; XXXX XXXX  XXXX Balance {$3000.00} ; XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$4400.00} ; XXXX  XXXX XXXX XXXX XXXX : {$4200.00}.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/19, we paid off the balances on our credit cards. Our XXXX Chase card had a {$2000.00} balance that we paid in full. On XX/XX/19, we logged into our account to update our travel preferences since we would be traveling and did not want to be alerted for fraud. Upon logging into our dashboard, we saw that Chase had increased our credit limit to {$4000.00}. My husband and I will both attest to this, under oath, that we both saw the credit increase reflected on this account. 

On XX/XX/19, we logged back into the account to pay off the card again for the spending that we did while traveling. Upon logging in, we noticed that Chase decreased our limit back to the original amount of {$2000.00}. 

We called Chase on XX/XX/19, and was told we would need to speak to the fraud department, who transferred us again to the limit department, and was disconnected since their office was closed. We called Chase again on XX/XX/19, and was told that our credit limit was never increased. 

We have experienced multiple egregious errors with Chase before, from not canceling a stolen credit card despite it being reported stolen, and the card subsequently having charges on the account. We have also logged into our account to find that we are not able to gain access to any of our accounts due to the " information not being available ''. We have 2 car loans, 1 credit card and a checking/saving account with Chase. 

We want a full investigation into why our credit limit was increased and decreased within a span of 2 days. We do not believe Chase when they said that it was never increased. My husband and I are both willing to provide declarations of our testimony as to what we witnessed when we logged into our account and saw the credit limit increase on XX/XX/19.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (MO)

I retrurned an item and the credit was refunded in the amount of XXXX. After the refund th bank didnt automatically send me a check, I had to call and ask them to refund my money. When I called ( XX/XX/2019 ), I was told that itll take 21 days to receive this money electronically transferred to my account. I find this excessive and the company basically has my money for no reason. Thanks.
Consumer complaint received 2019-03-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I requested that my address be updated in XXXX, prior to my move in XX/XX/XXXX at the local XXXX 's store and was told that it was. It was brought to my attention that the store never changed my address when they reported my payment as late. I never received a bill and was unaware that I owed a balance. I promptly contacted XXXX 's on XX/XX/XXXX and paid the bill in full. They agreed to waive the late fees and gave me a phone number to call the credit department to remove any late payments on my credit. I called XXXX, which was supposed to be the " credit department '' and was told that is not the credit department. I waited on hold for a while and then they disconnected mt call. The late fees have not been removed and my credit has yet to be corrected!
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NJ)

On XX/XX/2021 I paid XXXX {$29.00} for cellphone service. The personnel failed to activate the cellphone. I called the store but I received no response. I submitted a complaint ( XXXX ) to the bank, Paypal.com ( netspend ). I received no response for quite a while so on XX/XX/2021 I requested a status update. On XX/XX/2021 Paypal responded that my issue was not considered an error pursuant to Regulation E. Today I accessed https : //www.consumer.ftc.gov/articles/0219-disputing-credit-card-charges and that website states that " The FCBA settlement procedures apply only to disputes about " billing errors. '' For example : charges for goods and services you didn't accept or that weren't delivered as agreed " I then decided to file this complaint. The name and address of the merchant is : XXXX XXXX XXXX XXXX XXXX Posted on XX/XX/2021 at XXXX XXXX  Debit : PIN purchase from XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ US Card ending in XXXX - {$29.00}
Consumer complaint received 2021-06-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (TX)

Hunter Warfield Account number # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt. 
I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need. Please provide me with the name of the original creditor, signed contract, the money owed, and license number. Pretty simple items to ask for. 
If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. I look forward hearing from you to resolve this concern. 

Kind Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Harris & Zide (CA)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX. XXXX of The Law Office of Harris and Zide regarding a XXXX XXXX XXXX account ending in -XXXX. I responded on XX/XX/XXXX requesting debt validation of the XXXX XXXX XXXX  account ending in -XXXX specifically with proof that I am indeed the party that The Law Office of Harris and Zide are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. I specifically requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. On XX/XX/XXXX, I received another correspondence from XXXX XXXX. XXXX of The Law Office of Harris and Zide providing no authentic XXXX XXXX XXXX debt validation ( i.e., XXXX XXXX XXXX  credit card statements, original XXXX XXXX XXXX credit cardholder agreement, etc. ) or other detailed debt validation - actually, no debt validation whatsoever. I am filing this complaint as I believe XXXX XXXX. XXXX of The Law Office of Harris and Zide has violated my federal rights under 15 USC 1692g Sec. 809 ( b ) of the FDCPA along with the California Rosenthal Fair Debt Collection Practices Act. Lastly, I believe XXXX XXXX. XXXX is misrepresenting himself as practicing under the guise of a partnership of The Law Office of Harris and Zide when this company is not registered under California Secretary of State 's Office as a legal, practicing entity. XXXX XXXX. XXXX, advertised as Founding Partner, has been deceased since XX/XX/XXXX ; XXXX XXXX XXXX advertises himself as the Principal and Owner of The Law Office of Harris and Zide. Thank you.
Consumer complaint received 2022-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to delete the following information in my file. I item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I have contacted the creditors numerous amounts of time and still have not seen a change to my report. I am asking that this information is deleted immediately considering it has been very hard getting approved for a female to to even take my daughter where need be. I reported the theft of my identity to the Federal Trade Commission and also have enclosed a copy of The Federal Trade Commissions Identity Theft Affidavit. Please delete the item as soon as possible.
Consumer complaint received 2019-03-24
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. (GA)

These accounts are fraudulent : XXXX XXXX {$1300.00} XXXX {$9700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$98.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX   {$1100.00}
Consumer complaint received 2021-05-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MN)

I was working with the Lakeview Loan Servicing since the end of XXXX of 2021. I wanted to refinance my home at a lower rate. My loan officer was XXXX XXXX. He told me that refinancing process will be easy and would not take more than a month because I was an existing customer and the company had all my records. He told me to make a XXXX payment and skip the XXXX payment. On XX/XX/XXXX I called mr.XXXX. During this conversation he told me to make the XXXX payment and dont worry about the late fees. He told me that the late fees would fall out once the refinancing process is complete. I mailed the payment the same day. After that, I have not heard from Mr.XXXX at all. I left multiple voice mails and emails but he was unreachable. On XX/XX/2021 I found out ( from another representative ) that my loan application was denied because of the late payment in XXXX. The same day I spoke with the Vice President of the company - XXXX XXXX. XXXX XXXX promised to take a look at the situation and call me back the next day. I have not heard from him.