davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (PA)

On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

We suffered a water damage loss in our home. XXXX XXXX issued a ck for $ XXXX to us and the lender Wells Fargo. We have been working on the repairs. WF has refused to issue a check to pay for the repairs. We have taken $ XXXX from our IRA to cover the expenses we have incurred. I have uploaded all supporting documents to WF to show what we have paid for. We have been promised a $ XXXX check from several of the people we have spoken with but still have not been reinbursed despite my calling in on a near daily basis.
Consumer complaint received 2023-05-29
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. (NJ)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00} on XX/XX/2022, as I have no knowledge or records of the debt in question. 

As well as a couple hard inquiries from XXXX and XXXX XXXX
Consumer complaint received 2023-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

Navy Federal is taking money from my Savings account without notifying me. XX/XX/XXXX Navy took {$280.00} from my saving account without informing me. I know do not have money for bills or food nor travel expenses. 

Navy claims they have the right to take money at there will because I have a charged of Checking account on XX/XX/2023 for {$500.00}. 
This checking account is currently Disputed with Navy Federal who claims my checking account will be REPONED if the dispute is found in my favor. In the mean while Navy Federal Is stealing money from my savings account. 

I have asked Navy Federal to Please leave my with at least XXXX dollars for food because I did not accept nor informed, they would take ALL the money from my open SAVINGS account to pay my Disputed and Closed Checking account. 

XXXX Navy Federal Response was NO.
Consumer complaint received 2023-05-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

When I purchased my home in 2021, I was advised by you that I would be required to pay PMI until I had 22 % equity in my home. After the purchase I made improvements to my home the had an appraisal that confirmed I had increased the home value and had more 22 % home equity. 

However, when I called to request that my PMI be removed, I was told that I would have to pay PMI for the life of my loan. This is not what I was told when I purchased my home, and it is causing significant financial hardship to my family. We are struggling to pay our mortgage, and the PMI payment is making it even harder.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-29
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. (FL)

XXXX, EXPERIAN AND XXXX  HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX --Account number--XXXX XXXX XXXX XXXX-Account numbe--XXXX  Account name XXXX XXXX XXXX XXXX  -Account number-XXXX
Account name XXXX-Account number--XXXX
Account name XXXX XXXX-Account number--XXXX
Account name XXXX XXXX XXXX-Account number--XXXX  Account name XXXX XXXX.-Account number-XXXX
Account name XXXX-Account number--XXXX
Account name XXXX XXXX XXXX XXXX--Account number--XXXX
Consumer complaint received 2023-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I have banked with USAA for 4 and a half years and this past week I attempted to login into my account using the mobile app and a pop-up window stated I could not be verified and had to contact USAA. When I contacted USAA they told me the first time that they had flagged my account due to suspicious activity but expected the issue to be resolved within three business days. I asked the individual why I had not been notified immediately and was told USAA had sent me a letter to my mailing address on Monday when it occurred. I finished the conversation with USAA on Wednesday night and tried to login the following day on the mobile app once again and again had the pop-up that stated I could not be verified so I called USAA again and was told that there was a note in my account that USAA was exercising their right to not do any business with me. I asked the individual why that had happened and he stated that USAA had found me guilty of being involved with the fraudulent activity that had occurred on my account in the past week. I was told that USAA was holding me liable for the negative balance in my savings account that had been used during the fraudulent activity. I proceeded to ask what would come of my direct deposit check that was going into my account the next day and was told they would hold it to pay off the negative balance. So I am now a fraud victim, that gave USAA 3 chances to try and fix the issue. I have also filed a police report because USAA would not release any of their investigative evidence to me as the account holder. They have frozen my funds and assets and wrongfully withheld my direct deposit leaving me without a way to pay my bills this month.
Consumer complaint received 2016-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo Bank has repeatedly denied my modification based on unorthodox, and perhaps fabricated accounting rules. Unlike standard accounting and banking procedures, they informed me that " small business expenses '' do n't count as " real expenses '' in calculating " net income ''. Really? And despite the fact that a large portion of the US economy is real estate rental/lease, several representatives have informed that this " real estate rental is NOT a real business ''. Under standard accounting practices I would qualify for modification, but they willfully and strategically make-up rules to deny homeowner help!
Consumer complaint received 2023-05-29
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. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-29
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-29
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. (MA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX & XXXX XXXX XXXX 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 furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-29
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. (MA)

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX 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 furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-29
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. (NY)

The following accounts was open by fraud I do not know these accounts I was incarcerated for the pass few years XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-29
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-29
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. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-29
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I applied for and received a Discover Balance Transfer Card. The card was mailed to me and I received it and called the number on the card to activate it. After about 10-12 days I got a letter that said you need to activate your card and we need more info. Now this is AFTER I was told it was approved and I have the card in my possession. 

I called the Company on the number on the card and said I wanted to do a balance transfer ( that was the whole purpose of getting their card ) she took all my info, and after 20 Minutes on the phone she said was All Taken Care of.

I got some phone messages that said I need to contact them so I contacted them again. I was told that they needed to verify me. She said they needed authorization to contact the IRS for my last two years of returns. So I did that form and sent that to them. 

Another week goes by and I get more messages and a letter that said you were not approved for the Balance Transfer. WTH?. They said they needed MORE INFO now. 

She sent me a link for me to use my XXXX to take a Selfie and the front and back of my D.L. I did that ... ... they contacted me back and said it didn't work! So I did it again ... ... they said it didn't go through and " if I didn't get them what they wanted they would just cancel my card ''. They gave me an extension and they sent me a form to have Notarized and I had to get a Signature Guarantee also ... ..this cost me time and money! I got it done and emailed it in. I called to follow up and they said that they didn't receive it! I sent it again ... ... so that was sent in TWICE. 

Now another two weeks goes by... ..I have an approved card in my hand and can't use it as they have discriminated against me for some reason. I get a letter in the mail yesterday that says ... ..We canceled your account. We could not Verify you!

Now my Credit Score Drops because of this and I am out of time and money!

So to Recap : Got an Approved Card ... ..got a TON of runaround ... ..now I take a HIT on my Credit score Because of their incompetence!

This is NOT how you do Business! 

WHY DO YOU SEND THE CONSUMER THE CARD AND TELL THEM IT'S APPROVED AND THEN DO THIS TO THE CONSUMER????
Consumer complaint received 2023-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A few months ago Bank of America disabled my online banking. I called to ask why they answered it was necessary from time to time to verify accounts at the branch. I went and verified the accounts by my presence. A few days later I made a payment from my Bank of America checking the the payment was returned. I opened my online banking and saw that all my accounts including checking account were closed. I tried to read some forums to get to know what could be the reason and nothing applied to me. I then called Bank of America to find out the reason and was advised no reason was available over the phone, only to be sent by mail. I waited for a few weeks but never received anything. Tried to call Bank of America but still same response : would receive the letter in the mail. Still nothing up until this day. Went to one of the branches to find out why and was told that Bank of America was closing credit card and checking accounts for the customer having the XXXX, XXXX last name, which belongs to either mostly XXXX or XXXX. It is a sheer act of discrimination and bank of America can not continue doing business in this manner.
Consumer complaint received 2023-05-29
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. (AL)

In XXXX, XXXX, was the first time I wrote the credit bureaus in regards to a few accounts that is reporting inaccurately to my credit report. XXXX XXXX XXXX ( XXXX {$10000.00} ) was not verified as of today. And it's still not reporting right. I have yet to receive a response as of today. The last letter I sent was XX/XX/XXXX. I have proof of everything but I'm only going to upload XXXX, XXXX, and XXXX. If requested, I can send XXXX, XXXX, XXXX and XXXX. Can you please investigate this account and inform me of the status.