davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

My experian credit score dropped 14 points for 1 inquiry with XXXX XXXX XXXX..I filed a complaint.They investigated and dropped my score another 9 points. On XX/XX/XXXX my score went up 2 points..A week later with the same info., my score dropped 9 more points after my complaint.Thats 23 points for 1 inquiry! I called and they said to hire a credit specialist..They had no answers..my credit usage is 23 % which is under the 30 % ..They keep dropping my points for the same inquiry over and over! One inquiry should be 4 points max! I have exceptional payment history and no late payments..They have been deducting points over and over for one inquiry as an attempt to get me to purchase their services! ..I worked hard on my credit score and they are abusing their power to ruin my score for their financial purposes! I asked for a written statement but they said " Go hire a credit specialist! " ..I dont understand how they dont have answers if they dropped my score for nothing! I feel as if they are trying to force me to buy their products ( credit protection, monitoring, etc. ) and if we dont buy, they begin illegally dropping our score! I complained about them dropping my score 14 points for 1 inquiry..They responded by dropping my score another 9 points for the same inquiry! I am out of options so I filed this complaint..I am forwarding documents of my score before and after..One account they deducted 23 points! .. Right after my score went up 2 points with the same account! I see that if we file a complaint, they deduct points as an act of revenge..
Consumer complaint received 2020-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (NY)

I ordered t-shirts on XX/XX/2020 from XXXX. XXXX. However, I never received a shipping email at all. I emailed them and instant messaged them through XXXX numerous times about the status of my order but to this day undetected have never answered my previous emails and messages. I contacted Chase bank about the issue of never receiving my orders and they issued me a temporary credit. However, on XX/XX/XXXX Chase sent me a letter stating the charge was properly authorized and they are reversing the credit. However, the issue was never about authorization of the charge, but about me never receiving my items from XXXX and them ignoring my emails. So I am losing XXXX $ for nothing. I have t-shirts and im going to be charged XXXX $ during a second wave of the covid 19 wave. I have low funds due to being laid off because of covid 19. Chase have no idea what they are doing. I told them specifically I never recieved my item and the store isn't answering my emails so I am at a loss of what to do. Chase took my words and bent them. They just said the charges are properly authorized. while that is not the issue of what I told them. I'm losing money for literally nothing.
Consumer complaint received 2020-12-06
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. (IL)

XXXX XXXX Failed to validate account number XXXX per my request mailed on XX/XX/2020. 
Due to XXXX XXXX  failure to validate account number XXXX, I mailed a follow up letter on XX/XX/2020. 
On XX/XX/2020 I mailed XXXX  XXXX XXXX a letter demanding deletion of account XXXX due to two failure attempts for validation via Certified Mail Tracking Number XXXX which was received on XX/XX/2020. Return Receipt Tracking number XXXX. 
Due to XXXX XXXX XXXX failure to validate account XXXX twice, I demand the tradeline be deleted from my credit report immediately.
Consumer complaint received 2020-12-05
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. (GA)

I'm filing a consumer financial bureau complaint against the credit bureau Experian & XXXX for their refusal to report the debt as paid in full accurately on my credit file and I would like to report this as a breach of contract. 

I have receits of payment with memo stating that if check is cashed debt is settled..note all check receits have been cashed from my bank to three different creditors XXXX XXXX, XXXX XXXX XXXX , and XXXX XXXX.
Consumer complaint received 2020-12-04
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)

I am filing this report today XX/XX/XXXX because I found five accounts and a few inquiries on my credit report that do not belong to me. My personal information was stolen on XX/XX/XXXX including my ID and Social Security Card, I have an open investigation for that incident. I never opened these accounts or made these inquires and I did not allow anyone to open them in my name. I do not have a written/verbal contract with any of these companies nor did I gain anything from them being open in my name such as money, goods, services, or any other benefits. I did not make any transactions such as payments or purchases with any of these accounts. I filed a police report and a complaint with the CFPB regarding these unauthorized accounts. I need these accounts blocked as they are results of identity theft and do not belong to me. All my statements in this narrative are true and correct without any omission of facts.
Consumer complaint received 2020-12-06
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 {$2000.00}, {$19000.00}, {$17000.00}, {$8000.00}, {$52000.00}, {$0.00}, {$11000.00}, {$0.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I wrote a letter to equifax stating that I reviewed my credit report and found a negative item reporting by XXXX XXXX for {$130.00} that Im not the debtor for that debt, and I asked that they would conduct a full investigation into the matter and contact me by mail with the conclusion of their investigation. Equifax received my letter on XXXX/XXXX/2020, on XX/XX/2020 they said that they verified the negative item as a debt belonging to me but they have not showed me in any way the methods used to verify this debt and me being the debtor for this debt. I am contacting you so that you can help me resolve this matter. Thank you
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I was charged {$500.00} upfront before I could even get any kind of information on rates. I feel I was locked in with costly up-front fees. I actually paid {$500.00} just for an credit inquiry and some e- sign documents. I couldn't get a rate lock only what they call a float rate which isn't what I wanted. I didn't even need an appraisal because I got an appraisal waiver. The person I was working with only spent the most an 1/2 hour on phone. We did communicate by e-mail some. I have all the e-mails.
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (AZ)

Date : XX/XX/2020 I just registered for an account with Binance.US. I successfully completed all 3 levels of verification which involved submitting my social security number, picture of the front and back of my driver 's license, most recent bank statement with current address, a selfie, and verified verified my phone number. After submitting all of this information, I tried to fund my Binance.US account via an ACH transfer from my checking account in the amount of {$1000.00}. After initiating the transaction, I received a message from Binance.US saying the funds should appear in my account within two minutes. I waited a couple hours and there was no money in my account. I reached out to customer support and got a generic reply that was not helpful at all. It has now been seven hours and there is still no money in my account. I have provided sensitive personally identifiable and financial information to this company with the expectation of being able to purchase cryptocurrencies on their exchange, and their service is useless to me if I am unable to fund my account. So now I am in a situation where this company has all of my personal information and they are not providing services to me. I have a friend who is also having similar issues with Binance.US so I know this is not an isolated issue.
Consumer complaint received 2020-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (MA)

This week while looking through my wallet I came across an American Express Serve card that was given to me by my mother on my XXXX birthday on XX/XX/2019. I had received this card as a gift with a {$50.00} balance. When I received this card, I did not contact American Express, download and app, or make any efforts to register or activate this card. Upon looking at this card yesterday, I attempted to verify the balance on said card. When I contacted the company after following the steps on the back of the card I was told that there was a XXXX balance. I inquired how there can be a XXXX balance as the expiration date had not lapsed and I had not made any purchases with said card. The operator relayed that the card was being charged a monthly maintenance fee from the onset of the purchase. I explained this must of been a mistake as my mother had purchased this card at XXXX with the preface that is was a gift card. I asked if there was a way for me to speak to someone regarding having the initial {$50.00} dollars returned as I had never activated the card or registered it, therefore the money should just be sitting in escrow, and what maintenance exactly would apply, theres been no use. I was told, and I quote, there is nothing we can do and no one you can speak to here that can do anything. This card was being sold at a retailer, on an end cap amongst the other gift cards. How can a large company that continues to profit not have a means to rectify a situation in which a consumer purchased a product under false pretenses. As I stated, my mother purchased this card, I did not. I did not agree to any terms, register, or seek assistance regarding this card prior to yesterdays inquiry. What maintenance is applicable. I think its safe to assume my mothers intentions were not to purchase me a piece of plastic to pay and activation fee, put {$50.00} dollars on it for the product to act as a donation tool to American Express. I am looking to speak to someone who can rightfully return my intended gift.
Consumer complaint received 2020-11-30
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2014 with a balance of {$4100.00} -This is not my account.
Consumer complaint received 2020-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I've seen no changes for the accounts that I have filed last month, I still see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC (CA)

UNITED WHOLESALE MTG LOAN : XXXX XXXX XXXX XXXX XXXX  United Wholesale Mortgage rejected 3 mortgage payments because I was using my corporate business account to make my payments. I received ( 3 ) 30 day lates on 3 mortgage loans. I had to file a lawsuit and then they finally corrected their inaccurate reporting. 

On XX/XX/XXXX, the same thing happened where UWM rejected a mortgage payment out of the same corporate business account and again I have a rolling 30-day late.

I have filed a dispute over 7 months ago and I'm still getting the " run-around '' from UWM. They never received it, lost the complaint or it hasn't arrived yet. 
They have finally confirmed receipt of the complaint nearly a month ago and today I was told to call back in another couple weeks.
Consumer complaint received 2020-12-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One of our savings account was arbitrarily closed by Bank of America for no apparent reason last XXXX XXXX, 2020, without informing us. My wife & I strongly feel that we were discriminated & treated unfairly. We just received a letter by mail from the bank on XX/XX/XXXX informing us of the closure 4 days after we discovered it on line. We have been loyal clients of the bank for 24 years and it is the only bank where we have maintained several personal & checking accounts as well as our home mortgage, home equity line of credit & business checking accounts. We are on the highest customer tier of the bank as Preferred Rewards Platinum Honors & have excellent credit scores. We have been in very good standing with the bank until this troubling incident. The savings account had a remaining balance of {$1900.00} which was an active account. When we inquired about it, Bank of America said it was a " business decision '' & that they had the right to close an account without informing the client based on the terms & conditions signed when the account was opened many years ago. 
Numerous attempts were made by us through calls & emails to top management to clarify & know the reason why it was closed. Our calls were filtered for the most part. To make matters worse, the Bank has prohibited us from opening a new account despite the fact that we have our other accounts with them. It gave us the impression that we have committed fraud or a crime. Our concern was just totally ignored by the bank 's top management. 
On XXXX XXXX, XXXX XXXX, Supervisor of Bank of America Customer Relations called us just to inform us of this unprofessionally handled business decision & that our concern can not be elevated anymore to top management. My wife & I really find the bank 's action very discriminating, unacceptable, insulting & offensive. 
We are submitting the emails / letters ( as attachments ) we sent to XXXX XXXX XXXX, Chief Client Care Executive & XXXX XXXX XXXX, CEO of Bank of America detailing our concern for your review.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

We have been unsuccessfully attempting to close an IRA that my Mom had at Webster Bank. She died two years ago and we have had multiple interactions with the bank, filled out all the requested forms ( multiple times ) to no avail. I finally jumped through every hoop and was told I'd receive a check in the mail only to receive a deposit slip showing my portion of the proceeds had been deposited into some random account that I have no access not knowledge of. The bank has been unwilling to complete the closing of this account. We are at a loss as to how to proceed in securing the money which, by law, is OUR money.
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. Experian and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with Experian and XXXXXXXXXXXX but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. Experian stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. Experian and XXXX  XXXX  are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US XXXX courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with XXXX  court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.
Consumer complaint received 2020-11-29
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 — Problem with personal statement of dispute
Company: Waterfall Revenue Group (NJ)

This is my 6th request for XXXX  to simply provide the documents proofing this debt is mines with A-1 collection aka Waterfall Revenge Group. XXXX  is the only credit bureaus that's keeping this debt onto my credit report .. this isn't my debt nor will you provide that it is. I have a complaint with Waterfall revenge aka A-1 collection and it has been more that 60 days and still haven't respond back with any kind of proof yet XXXX  is the only credit bureau keeping this on my file. I humbly ask that XXXX respond back with the documentation to proof this debt to be mines ... Even on XXXX the debt has no collection agency name on it ... I have also called the company that Waterfall Revenge Group is saying I owe the money to and they have no record of such debt. 

I have attached all documentation. Showing that only you XXXX  is keeping the debt on my credit report and always how it's not being reported correctly. 

I wouldn't want to take any legal actions. But, if XXXX  doesn't provide documentation that is debt is mines I will do so. 

There are 3 accounts {$50.00}, {$410.00} and {$200.00}
Consumer complaint received 2020-11-29
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. (MS)

Trans union, XXXX  and XXXX  is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. Trans union, XXXX  and XXXX  Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity