davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-16
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: Experian Information Solutions Inc. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Claim : XXXX Claim : XXXX I am writing to formally request the immediate reimbursement of {$4400.00}, {$920.00} in fraudulent transactions debited from my account ending in XXXX. Despite previous attempts to resolve this matter, including the submission of an FTC Identity Theft Report and correspondence from the merchants, these fraudulent charges remain on my account. 
I have been a loyal Bank of America customer for a number of years and have experienced multiple blackouts and errors within your banking system, which have exacerbated my situation. As a victim of identity theft, I am entitled to protection under the Fair Credit Billing Act ( FCBA ) and Bank of America 's policies, which mandate the investigation and removal of fraudulent/unauthorized charges. 
Enclosed with this letter are : : A copy of my FTC Identity Theft Report, detailing the fraudulent activity. 
: Correspondence with the merchants confirming that I have no account or transaction history with them. 
Under Section 605B of the FCRA and your bank 's policies, I am legally entitled to the immediate removal of fraudulent transactions from my credit report. I kindly request that Bank of America take swift action to reimburse the {$4400.00}, {$920.00} and provide a provisional credit to my account while the investigation is completed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the return of the funds to my account.
Consumer complaint received 2024-10-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

For some reason, I'm guessing some sort of mental defect or disfunction, this bank has begun filling my mailbox with their unwanted junkmail two and three times a week for the past month now.
Consumer complaint received 2022-01-25
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)

In XXXX of 2021 XXXX XXXX started showing as past due on Transunion and XXXX. This account is used once a year and paid in full each time. I opened a dispute with both agencies. I also called XXXX XXXX who advised they did not report the account as past due at any time and that the account was always current and paid in full. The disputes concluded and the erroneous information removed from the report. In XXXX the same information came back and again was disputed with the same results, XXXX XXXX stating they didn't send it, ultimately dispute cleared the report. A year later now XXXX and the same ones are showing again. Called XXXX XXXX again and they indicate the account has never been past due and to file a dispute with the agencies and that the account was noted that there is an issue with the credit reporting agency reporting inaccurately. One time is an error, second time is a problem, third time is willfully mishandling the data. This gets reported and the score/report tanks XXXX points and then takes 30 days or more to address but shows instantly to the report only to be done so in error.
Consumer complaint received 2024-10-28
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: HUNTINGTON NATIONAL BANK, THE (PA)

The derogatory rating on my account has directly resulted in loan denials and increased interest rates across my credit accounts. This rating must be deleted and blocked from all three consumer reporting agencies immediately, as required by law.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

We found a condo to rent on XXXX XXXX XXXX  for XXXX XXXX XXXX Went to Wells fargo XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX to transfer funds to Wells Fargo Bank on XXXX XXXXXXXX XXXX XXXX had a check deposited from our account to the account given to us by scammers at the XXXX XXXX XXXX XXXX XXXX for {$6500.00}. This was the first payment of two. The banker assured us everything was in order with the account we sent the funds too. We communicated with scammers as they acknowledged receiving the funds. Next payment of {$7000.00}. was due in XXXX but now to XXXX XXXX  XXXX XXXX XXXX, the scammers told us they had problems with XXXX and so they have switched to XXXX XXXX. We had a check drawn for {$7000.00}. from our XXXX account and transferred to XXXX XXXX  XXXX XXXX XXXX. Again scammers said they recieved the funds and everything was good to go. Arrived at condo in XX/XX/XXXX to find no one there and no one to contect, scammers were gone. Filed complaint with XXXX XXXX Police and FBI. 
XXXX Wells Fargo Scam Department in XX/XX/XXXX, filed complaint. We were told at that time the XXXX account to which we made deposit in was closed in XX/XX/XXXX for fraudulent activity. Asked why we were not notified to which that answered they couldn't tell us for privacy regulations. I said how can it be a privacy violation when we knew the account number and name, again privacy regulation? Asked why the police were not notified to which they said they don't usually do this. I said once the police are involved legal process takes over so privacy regulation does not apply. He didn't know for sure. 
I have tried to resolve this matter several times with escalation to XXXX XXXX XXXX XXXX with no results, XXXX claims no responsibility in this scam I have said over and over if we had known in XXXX it could have lead to prosecution of scammers and stopped the second payment. All they had to do is notify XXXX XXXX Police, the detective I filed our complaint with said they would have contacted us to answer questions which would possibly made arrests, can not find out XXXX months later of account closure.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HW Holding, Inc (KS)

In accordance to the fair credit reporting act, this creditor has violated my rights. 15 USC 1681 section 602 States that I have the right to privacy.

15 U.S. Code 1681 Section 604A Section 2 states that a consumer reporting agency ( CRA ) can not provide an account without a consumer 's written instructions.

15 U.S. Code 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

There is a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. How can you it was verified? I am telling you that these BANKRUPTCIES are not mine! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NJ)

Subject : Complaint Against XXXX XXXX  and Roundpoint Mortgage for Failure to Pay Homeowners Insurance Premium from Escrow Account Summary of Complaint : I am submitting this complaint against XXXX XXXX  and Roundpoint Mortgage Servicing Corporation regarding their failure to properly manage my escrow account for payment of my homeowners insurance premium, resulting in the termination of my insurance coverage and subsequent property damage. 

Background and Facts : Mortgage Transfer : My mortgage was originally serviced by XXXX XXXX  until it was transferred/ Sold to XXXX XXXX  in XX/XX/year>. 
Escrow Account Setup : As part of my mortgage agreement, escrow payments were set up to cover my homeowners insurance premium, which was due for renewal in XX/XX/year> with XXXX XXXX. 
Failure to Pay Insurance Premium : Renewal notices and bills were sent by XXXX XXXX to XXXX Bank, but XXXX did not act on these notices.

Roundpoint Mortgage attempted to contact XXXX XXXX to arrange payment, these attempts were unsuccessful, and no payment was made from my escrow account. 
Resulting Impact : Due to nonpayment, my homeowners insurance policy was terminated, leaving my property unprotected. Subsequently, I experienced water and sewage damage that affected my carpets and household items. These damages would have been covered if my insurance policy had remained active. 

Specific Damages : The mishandling of my escrow account has resulted in uncovered property damage, including but not limited to : XXXX damage due to water issues Damage to household items due to sewage backup These damages have resulted in significant personal expenses that should have been avoidable had my insurance coverage been maintained.
Consumer complaint received 2024-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/year> at XXXX EST i woke up to my cashapp account signed out of my phone so i signed back in and i got a message stating my cashapp account was closed due to violating terms of service and I had XXXX XXXX remaining in my balance, being that my account was closed I was unable to use my cash app card to withdraw the funds that were remaining in my cash app account, so I transferred the XXXX XXXX from my cash app to an external account which would be my XXXX account and cash app charged me a XXXX XXXX transfer fee so the total amount that was transferred to my XXXX account was XXXX , i immediately went to check my XXXX balance well it just said pending unclaimed transfer so i asked XXXX what that meant and they said that the money was sent to a wrong phone number, email or XXXX account which doesnt make any sense because i put my XXXX card number into cashapp when i withdrew the funds and my XXXX is good to go so i asked XXXX to cancel the transfer in hopes that the funds would go back to my cash app account but there is no money in my cash app account and I have contacted XXXX and XXXXhey have confirmed the transaction has been canceled and the funds were never received. The XXXX XXXX should of been returned to my cash app account but the funds are no where to be found, it's been 24 days today I have contacted XXXX and cash app multiple times and nobody can help me. I have screenshots of proof that I never received the money and that it was canceled. I have contacted the XXXX XXXX XXXX, The financial protection Bureau, the federal trade commission and I have been trying to get my story on social media in hopes that it will go viral and XXXX XXXX ( the owner of Cashapp aka Block ) will get in contact with me and help me recover my funds and compensate me for the mental stress that this has caused me.
Consumer complaint received 2024-10-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

We purchased solar panels from company called XXXX XXXX, they installed them they went online XX/XX/year>. Since the product went online and they sold the note to Dividend Financial a division of 5th Third Bank, the product has not improved our bill with XXXX XXXX at all to the means they said this $ XXXX has cost us. I tried time and again to get some to come out with no luck. We have continued to pay the monthly bill to Dividend. The company XXXX XXXX has since went bankrupt and the Florida Attorney General has a case on them that was filed XX/XX/year>. I have paperwork filed with the AG of Florida as well. I'd like this loan forgiven due to product not workign like it was promised and saving us the 70 to 80 percent on electric bill.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I would like to unfreeze my credit report because I am in the process of opening a new savings account. As part of their standard procedures, financial institutions often perform a credit report review to verify identity and assess eligibility. By temporarily unfreezing my report, I am allowing the bank to complete these verification steps without delay, which will help me establish the account and take an important step toward building my savings and achieving financial security.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Blackhawk Network Holdings Inc. (FL)

Received prepaid XXXX  in mail and it shows no fees for Debit or Credit use at any store. 
( You have received a Virtual Prepaid XXXX worth {$120.00} as your XXXX XXXX XXXX XXXX XXXX XXXX settlement payment. ) Try to call number and did not get a person. Computer just repeats the information but no direct person. 
Customer service # XXXX Tried XXXX * and # sign but it just goes bak to promts XXXX etc. 
Webpage is https : //myprepaidcenter.com/ Fees charged {$3.00} and here is the schedule online for fees.

1. Not sure ow I can get person to answer problem?

2. Fees listed ( none applies in my case ) Attached fees PDF file.
Consumer complaint received 2023-04-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (VA)

To whom it concerns, I refinanced home mortgage from Suntrust ( Truist now after merger ) to other financial company at XX/XX/XXXX. 
I received disbursement check {$4300.00} and deposited at my checking account of XXXX XXXX Bank on XX/XX/XXXX, but was charged back on XX/XX/XXXX because of refer to maker reason. 
From XX/XX/XXXX to XX/XX/XXXX, I have talked numerous Truist client resolution representatives. And upon request from them, I submitted my bank checking account statement of chargeback to 3 different Truist representatives. 
Then XX/XX/XXXX I received a letter claiming that disbursement check was deposited at XXXX  XXXX XXXX on XX/XX/XXXX. 
I don't have any account at XXXX XXXX  XXXX. I submitted XXXX XXXX XXXXXXXX document showing no account under my social security number. I requested Fraud investigation to Truist and on XXXX  Truist sent me a letter of investigation started and expected to complete in 30 days. 
My bank ( XXXX XXXX XXXX  ) reached out to me about inquiry from Truist regarding disbursement check chargeback records and I granted XXXX XXXX  to provide all necessary information. 
Since then I have not received any information of fraud investigation and I asked to different Truist client resolution representatives, but no response this year. 

These are Suntrust ( Truist ) mortgage account information XXXX XXXX XXXX XXXX And I received 2 case numbers ; XXXX and XXXX. 

I can not waste any more of time after 14 months of this. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION (CO)

XX/XX/year>, made a duplicate loan payment in the amount of {$1000.00} to M & T bank for my RV loan. 

XX/XX/year>, called M & T and explained I made a duplicate payment, and asked the duplicate payment to be returned. Was told it will take XXXX business days. ( Later found out it is XXXX business days ) XX/XX/year>, did not receive refund of duplicate payment. Contacted XXXX Bank to request a claim be made because I needed the funds to pay other bills. 

XX/XX/year>, XXXX Bank gave me a temporary deposit in the amount of {$1000.00}. 

XX/XX/year>, checked my checking account with XXXX and saw the refund of {$1000.00} from M & T Bank XXXX XXXX bank I received the refund from M & T bank. 

XX/XX/year>, XXXX Bank reversed the temporary deposit for {$1000.00}. 

XX/XX/year>, I made my monthly payment online and noticed the next payment due was XX/XX/year>, instead of XX/XX/year>. I sent an email to see why the due date is a month behind. 

XX/XX/year>, I received a response from XXXX that the XXXX payment was not made and was reversed. 

XX/XX/year>, I responded to XXXX stating the payment should not have been reversed. The duplicate payment was reversed and sent back to me. 

XX/XX/year>, XXXX stated both payments were returned, and I am XXXX month past due. 

Fast forward several emails and XXXX months, through various calls and emails I found out both the XXXX payments were reversed. Each time I questioned why both payments were reversed, but they couldn't come up with an answer. They kept stating the payments were reversed, therefore I was past due. Each time I explained I only received a refund for the duplicate payment, and they should not have reversed the original payment. This went on for several months, countless calls, and various employees. 

M & T Bank has been constantly calling me requesting the late payment. Each time I talk to someone I advise them to look at my account and review all the conversations I had regarding this issue. My last conversation was Thursday, XX/XX/year> with an employee named XXXX. She said the reversal of the original payment rejected, and was not returned to me. She referred the case to an administration team. As of this date I have not heard back, and continue to receive daily calls from M & T bank regarding the " past due '' payment. 

Each call leaves me angry, frustrated and emotionally stressed. This has been going on for months with no resolution.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX  XXXX -RESIDENT VERIFY XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act XXXX ( a ) [ XXXX XXXX XXXX ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report.
Consumer complaint received 2024-10-28
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (CA)

I go threw the card company way2go threw child support and the last time I was aware of any deposits was back in the middle of XXXX and I haven't got any deposits for a while and I thought I had my card in my storage and didn't think nothing of it because I haven't got a deposit for a long time well they was supposed to be sending me bank statements every month and I haven't got one since the middle of XXXX and XX/XX/XXXX I received a statement for XXXX of XXXX and as soon as I got it I called the same day and told them I was not aware of any deposit on XX/XX/XXXX of XXXX and I was not aware of any transactions after that date they said they could file a dispute and I would get my money back now they are giving me the run around now
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I have reached out to the company and have not gotten any results the dates on these accounts are incorrect. The months are different on other bureaus and these accounts need to be removed because the information does not match across all three bureaus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX and XXXX is keep reporting inaccurate accounts on my credit report. I'd try calling the them, but the agents keep being rude and unprofessional. These are some dates and amounts. 
Capitol One Auto XX/XX/2021 {$15000.00} Capital one Bank XX/XX/2021 {$300.00}
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (VA)

I have disputed this with LexisNexis. They have failed to respond to me. But I guess they use PACER to obtain inaccurate information from public files. Well if they did their due diligence and obtained the correct information, they would see that the information that you are reporting in regards to these bankruptcies is extremely inaccurate. My credit is being negatively impacted due to lexisnexis neglectful reporting and I would appreciate it they removed these bankruptcies from the system. It is not fair that theycan simply snoop around and report only half-truths and cause so much distress. 
15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report you shared my personal Information without my consent. this is identity theft you are criminally and CIVILLY LIABLE
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

Your agency placed an unauthorized collection on my credit file without required notice. I dispute this debt and demand immediate validation as required by the Fair Debt Collection Practices Act ( FDCPA ). You must cease all collection activity until you provide complete validation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.