davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Eagle Home Mortgage, LLC (TX)

On XX/XX/2019 I bought a home with XXXX XXXX  at XXXX XXXX, XXXX TX XXXX. 
I would like to file the official complaint against XXXX XXXX and Eagle Home Mortgage for unethical business practices, as the home buying was not fair, and it was not at all transparent which resulted in mental anguish and monetary losses. I have listed my complaint in the details below : XXXX is unethical in its business practices. They have the finance company Eagle Home Mortgage. The business firms focus on the pursuit of self-interest of their owners : profit maximization by violating the individual rights. 
Taking advantage of customer by not disclosing closing dates and process in timely manner. XXXX home moved the closing date without buyer consent and not giving enough time to choose the lender, forcing the buyer to go with the XXXX i.e. Eagle Home Mortgage. 
Company employees XXXX XXXX, XXXX XXXX, XXXX XXXX threatening the buyer for consequences of losing the deposit and loan denial if buyer went with another mortgage company. 
Non-Disclosure of information related to home loan. Resulting in a tremendous amount of stress and anxiety for buyers that resulted in Emotional distress. 
Eagle Home Mortgage charged higher rate of interest and closing fee and don't gave the incentive they promised which resulted in monetary losses. 
Non-Disclosure of information related to the PID tax during the home sale price negotiation.
Consumer complaint received 2022-03-08
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. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2019-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Scammed..!! 

XX/XX/2019 Deposited cheque of {$6700.00} through Mobile deposit of BOA. 

XX/XX/2019 Cheque was cleared and I called and confirmed the same later which was added to the total available balance. 

XX/XX/2019 Made a XXXX transfer of {$2500.00} as the cheque was cleared and available. 

XX/XX/2019 Cheque went on hold and returned and also charge back fee of {$12.00} charged as Return Fee. 

XX/XX/2019 - Called BOA and reported about these transactions they redirected to BOA XXXX Department and asked to create a claim, created a claim and heres the claim number : XXXX for which they will take from 10-45 business days and without any guarantee that Ill be getting my money back. 

XX/XX/2019 Tried to get some help and approached home branch at XXXX, NJ they asked to schedule appointment during weekdays and shown no interest in assuring or guaranteeing about the claim money for {$2500.00}. 

XX/XX/2019 Again post scheduling the appointment with home branch my spouse had a quick conversation which again was not helpful and was a disguise. 

XX/XX/2019 - Tried following up with XXXX Department at Bank of America they responded that they where unsuccessful in getting the funds back from the other bank of the scammer.
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (IL)

I have been a bluebird customer for over 5 years. When I started my account I was able to withdraw money from a XXXX ATM near in my area I live and not be charged. I recently noticed I have Avery high amount on my yearly atm withdrawal fees. 

For the fact when I opened my account I was able to withdraw my money without a fee. Now I have to pay the fee for the atm I use plus I have to pay the fee through bluebird. 

I'm simply asking for a one time reimbursement of some kind. I have {$250.00} in fees this year. Why is there no longer a XXXX XXXX atm in my area? why am I having to pay all the fees when there was one when I started my account? 

Ive used this card for years. I don't even want to know the total amount of this fee alone. But I'm not asking to be refunded all of it. 
I am asking to be refunded the last 365 days. 6 months atleast. On the future I will be aware of the fees and I will make myself accountable.
Consumer complaint received 2021-09-03
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. (MS)

I am the consumer and this complaint is filed by myself with no other third party. XXXX and Transunion likes to send nonsense auto generated responses to buy themselves time or to fullfill their 15 day response obligation to the CFPB. With XXXX  and Transunion I have Multiple Accounts that are in violation of FCRA 623 ( a ) ( 3 ) because they fail to provide the legally required notice of dispute. I demand these accounts be DELETED IMMEDIATELY or a lawsuit will be filed against XXXX  and Transunion as well as the creditor for willfully violating FCRA 623 ( a ) ( 3 ) by continuing to reporting these accounts on my file without the required notice of dispute. The companies named in this complaint ALL HAVE a legal duty to REMOVE THESE ACCOUNTS because by law, they are NOT to be reported on a consumers credit once the notice of dispute was not entered by the original creditor. Continued reporting is a blatant violation of the FCRA and attempts to avoid, ignore, or intentionally harm or misrepresents the consumers credit file 's accuracy is defamation of character AND ALSO IN VIOLATION OF THE FCRA. This has been disputed and complained about numerous times and XXXX  AND Transunion continue to ignore the LAW. Empty promises of reinvestigations, automated form letters, and nonsense scripted excuses are the normal response to these CFPB complaints. This has been going on way too long and these companies continued disregard for laws that they are obligated to follow is beyond disrespectful and insulting to consumers. Law suits are being prepared if this complaint doesn't remove this accounts in blatant violation.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/22 I got a notification on XXXX XXXX that credit card with Truist ( formerly SunTrust ) that reporting past due. I have not used the card in over 7 months. On XX/XX/22 I called Truist, after holding and being transferred to different departments for almost an hour I filed a Fraud claim as I never made the {$17.00} purchase. I expected that the open Delinquency would be removed but I was told that it would take up to 30days as they investigate. I advised them that I am closing on a house in less than 30days and that it needs to be removed. I was transferred to a manager ( fraud dept ) whom was very rude and short with me. I advised that this could have been prevented had I received proper notice of the account balance / status via mailed statement / email / text / call, but I didnt receive anything notifying me. He claimed that they have been sending statements, I advised him that They Didnt even have my correct address updated. On XX/XX/22 I called to update my address, when I called XX/XX/22 they still had my prior address on file. I also mentioned that I have been mail forwarding ever since and have not received any information about my account owing a balance or being past due. He said that he can transfer me to the credit card dept and maybe they can better assist. Then I waited 35 more minutes and was transferred 2 more times ( was on the phone 1 hours & 58 minutes total ) I was transfer to XXXX  credit card dept but was told they can not help and I was transferred to XXXX dept, they advised the same. That they can not help me and I would have to wait up to 30days, said maybe Fraud just didnt want to deal with it as Credit Card dept can not help either. I mentioned that this could affect my personal life / ability to close on my home as this information is incorrect and the transaction is fraud. I have never in my life been late on a single account and now this could prevent me from closing up n my new home. I need this resolved.
Consumer complaint received 2021-05-29
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

I received the check. My name was spelled wrong it caused every major bank to deny my check deposit I ended up going to a XXXX where I ended up spending over {$2000.00} in fees due to a mistake on the end of hsbc. I want the check to be reissued by hsbc with hsbc funds due to this careless frustrating headache Ive endured for over half a year. I want them to resend the {$20000.00} to me using their money because if it wasnt for them I wouldve never experienced any financial hardship. That video I sent should count for some type of evidence against them in my claim. I have been wronged and I expect to be redressed immediately. There has to be some kind of consequence for corporations that break the law. I suggest the federal governments all over the world seize and control all financial corporations to make sure they all follow the rules to ensure the safety of the corporations and especially the consumer. Nobody is above the law I mean nobody. 







I have proof of being mislead, misinformed and, I also have proof of hsbc denying me my inalienable rights deliberately for capital gain. I deserve to be redressed and hsbc deserves to be disciplined for the inadequate unacceptable shoddy workmanship I have endured. Nobody is above the law not even banks. I do not deserve this type of treatment. I should never be deliberately victimized by anyone especially hsbc or anyone like them overly for capital gain. Im forever scarred from multiple banking experiences involving these majors corporations breaking the law for capital gain. I honestly want millions of dollars. I mean I know you guys cant give me legal advice but I do believe in America and Justice I do also believe the cfpb will not stand idle and let this type of corporate corruption affect innocent unwary American civilian in any way
Consumer complaint received 2021-08-09
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. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. Re : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me homeless ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. Sincerely, XXXX XXXX
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

Contacted Jefferson capital on XX/XX/21 to see why I havent received a pic ltr and email.. spoke to a supervisor # XXXX XXXX XXXX from Jefferson capital he told me he received my check for {$150.00} that on the back of it stated by cashing this check you agree to pif and remove from my credit within 30 days he started getting loud with me and said that was never a green upon I let him know I spoke to XXXX agent # XXXX on XX/XX/XXXX and agreed on a XXXX  balance. I made an agreement placed it on the back of a check and they cashed it XX/XX/XXXX agreeing to the terms and now they are trying to send me a settlement in full instead of a payment in full and havent removed it from my credit.
Consumer complaint received 2021-08-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (GA)

XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to XXXX. 

XXXX XXXX Bill of Sale  XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.
Consumer complaint received 2021-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (NV)

Im in the XXXX and my main hospital in my location is XXXX XXXX XXXX base. Being that I was in XXXX XXXX I couldnt make it to the hospital in time so I needed to go to XXXX XXXX XXXX on XX/XX/XXXX. I called the ambulance and was sent to the hospital. XXXX, the military medical insurance paid the hospital in sufficient time and not the ambulance because they did not send them the signed documentation for correction to be paid. However, it was eventually fixed and they received their payment, roughly 3 days before the charges appeared on my credit which has been since XXXX. I contacted the community ambulance and they said that should not have happened because my bill was paid and they would contact the debt collector to remove the debt which has been over a month. I tried to dispute it myself and I have proof that it was paid and it should not have been on my credit to begin with.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX - XXXXXXXX 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 2022-07-01
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or misleading advertising or marketing — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (CO)

XXXX XXXX works for ( PRMG ) program residential program Group Inc. Under XXXX XXXX was our lender REALTOR XXXX XXXX XXXX I were trying to buy a condo or home through these two people. The first excuse was the person who put the ccondo on the market at XXXX XXXX. Was told FHA. Problems and a lot deal from both ends. The on PUT on market wrong was not on market for 90 days. THEN XXXX income was to low. If XXXX good at numbers THEN how did he miss that. XXXX was told XXXX was a XXXX  before contract was sign. He told both he was going back FULL time in the fall to schoool. XXXX at XXXX said she had talk to XXXX. I lost {$1100.00}. reach out to XXXX boss and I got back {$320.00} was told GO after the lender he ran the numbers. Was in from was a breach of contract.XXXX Legal advise report them all should known I want my appraisal fee back from XXXX company. Both agree pay for our next fees. I told I don't like taken money like that. She called I told both I want my money back XXXX XXXX XXXX {$500.00} more XXXX from both then she took it back. Said was there fault didn't like how bad she talk of other people and theXXXX said his XXXX look over it and boils down to XXXX income..wife had no business looking at our paperwork She not our lender.. XXXX said I was connecting fraud by not having XXXX move in with me but his name was on the contract. I was informed by my lawyer doesn't matter who's on the contract as long as the house note is getting big. They're a ton of people that buy houses and they don't live in them.
Consumer complaint received 2022-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

After mailing a certified letter to the company requesting validation of debt, the company responded with copies of a past-due bill. Portfolio Recovery Assoc. did not send me copies of any proof showing I opened the accounts nor a complete account record. Nothing baring my signature or anything. They only sent a past-due bill which isn't what I requested. In my recent complaint, Portfolio stated that they had business records showing that I opened these accounts but never produced those records to me.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX Late payment : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

In the summer of XXXX I attempted to sign up with XXXX  XXXX when they had a {$1.00} promotion but I did not follow through because I did not have enough documentation to complete the process. I then started receiving collection notices from Aldous & Associates PLLC for a {$130.00} balance due from XXXX  XXXX   under my name and another collection with a balance of {$87.00} under the name XXXX XXXX who I do not know. I do not agree with any of these collections because neither belong to me. On XX/XX/XXXX I sent a debt validation letter to Aldous & Associates PLLC requesting : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and For all other charges, the date of and basis for each charge. Which they failed to respond to. On XX/XX/XXXX I sent a second letter to Aldous & Associates PLLC informing them of their failure to validate the debt. They then responded with a letter stating they contacted the original creditor and they verified the debt. They mentioned sending me a valid copy of the original agreement which I did not receive. And also mentioned that my additional dispute information is not valid. ( all docs attached )
Consumer complaint received 2021-09-03
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to
Consumer complaint received 2019-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

on XX/XX/19, i recived a notification that someone got into my USAA account and added themselves to my XXXX list I then recieved a email a minute later stating they had transferred all but {$8.00} from my account to theirs. The bank is stating its my fault because my computer may have been compromised.
Consumer complaint received 2019-09-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abrahamsen Ratchford, P.C (PA)

This is a credit card debt that is from 2014. The creditor is XXXX XXXX. I was laid off in XXXX of 2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now XXXX refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX  attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.
Consumer complaint received 2021-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

This letter is regarding account # XXXX, which you claim I owe {$940.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I sent a letter responding to an item on my credit report that should not be there. I have no recollection of the amount this company says I owe to them. It seems to be an apartment building, but I have never lived here nor know anyone that has lived here. I submitted a dispute letter on XX/XX/2021 and they responded back telling me that I can settle the amount. I am not paying any amount because this is being reported inaccurately. There is no proof that I am obligated to this place. Please have them remove this from my credit report as it is impacting my ability to apply for a mortgage.