davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (WA)

During XXXX, XXXX I received a promotion from Elan Financial Services on XXXX XXXX  XXXX  letterhead offering 12 months with no interest on balance transfers. I responded and requested a balance transfer to my XXXX XXXX XXXX  which was confirmed by XXXX on XX/XX/XXXX. The transfer was for XXXX. The disclosed fee was for XXXX. 

On the next statement dated XX/XX/XXXX the balances were reflected accurately on page XXXX ( interest calculation ) and no interest was charged. 

During the XX/XX/XXXX - XX/XX/XXXX period ( the next statement basis period ), I made a total of {$5300.00} in payments against this account. On the statement dated XX/XX/XXXX, some form of arbitrary and undisclosed application process was followed which resulted in an interest charge on page XXXX of the XX/XX/XXXX statement of {$73.00}. This was because the majority of the payments made during the period were applied to the balance transfer and not the purchases. 

This arbitrary method of application mostly obliterates the dollar value of the interest free balance transfer. This is aggravated by the usurous rate charged by Elan/ XXXX compared to other similar cards on regular purchases not paid during the usual interest free period. Note that my payments during the XX/XX/XXXX billing cycle far exceeded the purchases made during that cycle, as has always been my practice with this card, with the exception of a promotion. 

I received a number of explanations of the application and assurance that I would be sent the disclosure of the application process. What I received was a copy of the Card agreement, which does not address promotional payment applications at all. I believe Elan is taking advantage of the lack of capability for the customer to direct application of payments on their website and failure of the customer to understand the problem.
Consumer complaint received 2024-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

According to FCRA Section 605B it illegal to report without my permisson. Therefore I asked them to remove off my credit report. As U.S. Laws 15 U.S. Code Ss 1692 ( g ) and 1692 ( c )
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (SC)

I filed for credit with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. when they attempt to check my credit, it is blocked by the credit bureau. it is not a lock, block, or freeze that I put on. In other words, the three ( 3 ) credit bureaus Experian XXXX and XXXX have my credit blocked from creditors to obtain a credit pull. They won't allow them to see it, they won't allow them to get it. So, no creditor can get my score for a loan, or whatever. It is not blocked for me, I can log in with a username and password, and I can view my credit report online. However, creditors can not access the report. In Addition, all three credit bureaus have mailed me a copy of my credit report. I contacted all three credit bureaus, and I was told that I needed to send a back and front copy of my driver 's license and social security card for them to know who I was. This did not start until sometime between sometime on XX/XX/XXXX through XX/XX/XXXX of XXXX when I paid off a car loan to XXXX XXXX XXXX XXXX XX/XX/year>. Before, paid off my car, no creditors had any issues accessing my credit file with the three credit bureaus. there was no lock on it from the three credit bureaus. This complaint is one for Experian one for XXXX and one for XXXX. All three are the same thing. In Addition. They are asking me to send a copy of my driver 's license and social card back and front. my identity was stolen years ago, and they took me through pure hell, and it took years to get it corrected. My information is correct, I don't understand if you don't know who I am why would you mail me a copy of my report. This is a scam the three credit bureaus are doing to me Because I have paid off my credit and my score went up high. My score last time I checked was XXXX when my score should be higher. I know it is the credit bureaus to keep my information safe, but not at my expense. I do not have a home. I need creditors to be able to access my file. I'm not sure who they think they are. whoever monitors them needs to do their job. I will never send a copy of my identity documents, again my identity has been stolen and they took me through XXXX. I want CFPB to contact all the credit bureaus and tell them to undo whatever they did. ASAP. The lady at the bank sent me an email saying, " Here 's the message on XXXX and Experian. " Information from your inquiry has been identified as potentially fraudulent or misused, therefore, the credit report is not available for delivery>>> with information from additional data sources returned ( XXXX  ). '' From XXXX, " Requested information can not be scored or returned because data is suppressed or can not be evaluated. ''
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp. (FL)

An account is being reported from TRUEACCORD CORPORATION on my XXXX credit report only and I have never used or authorize this company or have any business with this company. 

This account was open on XX/XX/year> as stated by the company.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Dear Investigation Team, I purchased a tour with XXXX XXXX  to go to XXXX for the month of XXXX Less than a week into the tour there was a head on collision with a truck.I was XXXX to the hospital with XXXX XXXX XXXX and loss of property ( my XXXX and luggage were destroyed ) .I went to XXXX hospitals and had to return immediately to the XXXX where XXXX had to have XXXX and pay excess of $ XXXX in medical bills. Despit submitting all the evidence and receipts Bank of America has charged me in full for a dangerous and undelivered service. 

I can not believe they would even try to ask for payment given the terrible experience.It goes to show they had no XXXX XXXX wanted to make me continue even though the hospital recommended XXXX ( I have attached the report ). 

I had planned a month and then had other plans for XXXX. It has cost me well over $ XXXX with medical, lost travel costs, etc. Just horrible. 

Additionally- I have received inappropriate XXXX texts from the driver who almost XXXX me. 

I have been waiting on the paperwork that was sent XX/XX/XXXX. It is now XX/XX/XXXX, so I can follow up with any questions you may have, since I have not heard from anyone at Bank of America other than a rejection letter that did not address any of the above concerns- chiefly, I did not receive the tour and the cost of rebooking flights, hotels, medical, and replacing all that was damaged in the XXXX XXXX accident. 

I look forward to your assistance in this grave matter. 

Best, XXXX XXXX XXXX
Consumer complaint received 2024-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (GA)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XX/XX/year> Affirm INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, Ca XXXX Subject : Dispute of Fraudulent Charge Account Number : XXXX Dear Affirm, Subject : Dispute Under 15 U.S.C. 1692 Account Inquiry for {$600.00} Dear Sir/Madam, I am writing to formally dispute an amount of {$600.00} associated with my account, as outlined under 15 U.S.C. 1692 ( Fair Debt Collection Practices Act ). I believe this charge is inaccurate and may have originated from an error or fraudulent activity. 
Please provide me with a detailed account of this charge, including any documentation that substantiates its validity. I am entitled to this information under the Fair Debt Collection Practices Act and would appreciate your prompt cooperation. 
Thank you for your attention to this matter. I look forward to your swift response. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I have tried numerous times over past year and 3 tines this week to access my equifax free credit report. I done it thru their site and XXXX  site. I've had absolutely no issues with XXXX  or XXXX. Equifsx site continues to say csnt access at this time when click on report that is apparently there to be opened. I have searched the web for reasons and this is rampant and a major issue for alot of people. I've tried to call them and waited for excessive amounts if time. To be quided away from an agent and even confirmed thru their automated system who I was with ssn. Security questions. Then sends to agent finally that is not in this country and has accent from that of nation that is constantly investigating as scamming people She wanted my ssn which I declined and ask for her to send an email to their i.t and supervisor of site issues amd that it's also a major issues for many many people. This is equifax only that does this and need investigating.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been a member of BofA for over 25 years. 

I am on Social Security and have a FIXED income. Losing {$3500.00} from a XXXX scam from BofA has put my back against a wall. 

I had NEVER used the XXXX app until XX/XX/XXXX, when I received a spam text ( see photo ). 

On XX/XX/XXXX, I was sent a text message ( XXXX ) XXXX ) asking me if I had approved a {$3500.00} transfer from my BofA checking account reply with " YES or NO or Help ) I replied NO and Help. Within XXXX seconds or so, I had a phone call from a BofA phone number XXXX. I was asked if I had the XXXX app on my phone, and I told them I would have to download it because I had never used it. 

I then downloaded the XXXX app, They told me I needed to send this so the money {$3500.00} would revert to me. I listened to what they said and did what they told me. Within seconds my account was deleted for {$3500.00}. I called BofA and started a complaint on XXXX XX/XX/XXXX. I was told the process would take a maximum of 10 days. I received a notice that My claim was denied. I called BofA back to discuss this, and the person I spoke with told me that the way the paperwork was sent in was not correct. She " fixed '' it. I again was denied on XX/XX/XXXX ( see photo ). 

On XX/XX/XXXX, I received another text message from a new number ( XXXX ) XXXX ). Someone within BofA or elsewhere must have sold my personal information. I haven't had any further calls or texts. 

I would like my {$3500.00} returned to me as soon as possible. 

XXXX Bank of America and XXXX XXXX have been sued by consumers who allege they were defrauded by scam artists using XXXX payments. ( XX/XX/XXXX, XXXX )
Consumer complaint received 2024-08-06
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Onity Group Inc. (CA)

My mother passed away on XXXX XXXX, XXXX. I called the mortgage company to inform them she had passed away. They send the information I needed to avoid foreclosure. I followed all the instructions. I kept in communications with them through out the process. They knew my intent was to sell the house to pay off the loan. When i called them for information they would say my house was in foreclosure but I would tell them that I am in process of selling the house so how can the house be in foreclosure if I am doing the process to prevent foreclosure which I have 12 month to do. The house closed on XX/XX/XXXX. By chance I looked up my house in XXXX and is said it was in foreclosure but I had already sold so I knew that was wrong, I looked up the public record and in fact there was a foreclosure note that was filed on XX/XX/XXXX by the reverse mortgage company. I did not get notice of the foreclosure to my address. There was a note that the person was not contacted because the person was decreased but I am the trustee so I should have gotten notice of foreclosure. My complain is for future people who may get foreclosure without knowing they had one placed on their house. The notice I got from the beginning was that as long as I am in the process of paying the loan back i would not go into foreclosure. I was just lucky that I had sold my house before the foreclosure went through.
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (CO)

Midland Credit Management ( MCM ) sued me in XX/XX/year> after they bought my debt from XXXX XXXX XXXX the company to consolidate my debt. MCM had 3 lawyers, I couldnt afford one. I did not receive the decision. Received a call from XXXX XXXX saying hes going to be my mediator and I told him no and asked him how he knew about it before me. He agreed to cancel. I hired a different mediator, let MCM know and they ignored that and put XXXX XXXX as the mediator. They will not return my call, text or email. I think XXXX XXXX and MCM are in it together to get more money from someone who doesnt have any, because mediators are {$50.00} to {$170.00} an hour.
Consumer complaint received 2024-09-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (TX)

I sent funds to a recipient and the funds were not available to the recipient. when called to find out what the issue was, Cashapp then flagged the account and I requested the funds be returned to me. Cashapp stated that once the transaction was in completed status that it could not be returned to sender. Cashapp has now closed the account and the funds have never been returned. Cashapp says that the refund was declined by the recipient but that account was closed, there was no way for recipient to decline.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CreditNinja Lending, LLC (TX)

I recently reveiwed my credit file with XXXX XXXX XXXX XXXX and observed a account. With XXXX XXXX acct XXXX XXXXXXXX for collections. The original creditor, XXXX XXXX sold this account. 

In the selling of this debt to XXXX XXXX, with whom I do not have a Proper Assignment contract with. For them to collect this debt under the Fair Debt Practices Act 15 USC 1692g. I request to see copies of the Proper Assignment Contract, and a copy of the Purchase Agreement letter. 

To verify that they a legal obligation to collect this debt on my behalf. If these documents can not be produced as verification. Then I request that this account be deleted from all and any of the XXXX mayor credit bureaus. XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

A copy of this complaint wil also be sent via certified mail, return requested number : XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

My Experian account was compromised, and I was locked out. I verified my identity and have the username and password for the account, but I'm still unable to login. After entering the username and password, I must receive a text at a phone number, which the criminal controls. The alternative method is to answer security questions, which the criminal also setup for themselves. I am locked out of my account. 

XX/XX/year> E-mailed Experian regarding unauthorized changes to my account login XX/XX/year> Faxed requested documents and cover letter to Experian ( XXXX ) XX/XX/year> The e-mail address on the Experian account was updated after they received my documents. 
Reached out regarding incorrect phone number and security questions for account recovery. 
XX/XX/year> Support updated the username. 
Received a survey for the case. Ticket appears to be closed. 
XX/XX/year> Reset password through automated phone prompts. 
Reached back out to support using reply e-mail address and original support e-mail address XXXX. 
Attempted to call multiple times during business hours but was unable to reach a human.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

On XX/XX/XXXX, I attempted to use the Equifax online security freeze form, entering a landline phone number since I don't have a mobile phone ( I'm XXXX ). I was informed that my information could not be verified. I then selected the option to be mailed a verification code, which would be received in XXXX days. XXXX days later and I have still have not received the code. I tried the online security form several more times, each time requesting a verification code by mail, but have never been sent one.
Consumer complaint received 2024-09-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (VA)

Truist sent me a letter but the font is very small and I can't read it. I tried calling Truist, but they deny all knowledge of the letter. I took the letter to the bank in person and they told me it indicates that I have an account that was not fully closed ( as I requested more than a year ago ). However, they are not able to assist with it. Truist gave me all kinds of problems closing the accounts last year and are still refusing to close this last one.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX failed to provide any transaction history or verification for the disputed accounts, despite my request. They implied that I benefited from fraudulent transactions without presenting any evidence and refused to provide me access to the information they used to make their decision. Either they withheld key documentation or made their determination without reviewing any proper evidence. I am requesting that XXXX verify every detail of every account with adverse information on my report, as they failed to properly investigate and provide the necessary verification. If they can not provide this, I demand the removal of all adverse information from my credit report. Furthermore, I am asking that they provide me the evidence and justification that they used to not to investigate my claims if the accounts remain. There are multiple errors and with the hostile response. I am receiving to try and just straightened it out. I would like for them to verify everything well under scrutiny. I am still seriously ill and do not need to be dealing with this as it exacerbates my condition.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC (CA)

I have written letters ( first one dated XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX and recently on XXXX XX/XX/year> ) to RoundPoint Mortgage to help remove a late payment reported on my credit report in XX/XX/year> regarding my Loan Number : XXXX. 

I have previously contacted RoundPoint Mortgage Servicing LLC via phone, email, and written correspondence to explain and provide documentation regarding a medical condition that resulted in a single 30-day late payment in XX/XX/year>. This situation coincided with the servicing transfer of my loan from XXXX XXXX Mortgage to RoundPoint Mortgage Servicing LLC. Unfortunately, the transfer did not include the correct contact details, despite my reliance on auto-payment and notification features to ensure timely payments. 

In XX/XX/year>, despite having autopay configured, I missed a payment due to my health issues. I was only made aware of this oversight on XX/XX/year>, when I received a notification about a significant drop in my credit score. I immediately rectified the missed payment and sought assistance to address the late payment mark with all three credit bureaus. However, my repeated efforts since XX/XX/year> to communicate with RoundPoint Mortgage Servicing LLC have thus far resulted only in acknowledgments of receipt, without any substantive response or resolution. 

The agents who have answered my calls have been unable to effectuate any changes due to limitations in their authority. It appears that these agents lack the means to escalate issues to their supervisors or the appropriate decision-makers within their credit department. Given the urgent nature of my situationrequiring a loan for essential repairs to my home, which is severely affected by mold and termite damageI respectfully request your offices help in this matter. 

Your assistance in facilitating communication with RoundPoint Mortgage Servicing LLC and resolving this matter would be greatly appreciated. 

Thank you for your understanding and cooperation in this matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Discover has locked me out of viewing my credit card account since XXXX. I have spent several hours on the phone with IT and Discover Bank and no solution has been forthcoming. This has been an issue since a new mandatory program to XXXX XXXX was implemented. They have linked my account to a bank account that is not mine and the software program will not allow me to bypass it to view/ monitor my information or to pay my bill.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/year> Dispute : Late Payments Fair Credit Billing Act : XXXX XXXX XXXXk : I got those late payments because XXXX XXXX XXXX didn't follow the Fair Credit Billing Act. I never received any billing statements 21 days before my grace period.