davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SANTANDER HOLDINGS USA, INC. (RI)

I am writing to complain about the excessive HELOC line of credit with my bank. XXXX XXXX initiated my refinanced mortgage at a rate of 3.375 %. I also took out a HELOC that was very low as well. Rocket Mortgage bought the servicing of the mortgage the HELOC and promptly raised my HELOC to 9.24 % from low single digits. This is an excessive amount of money given the loan is collateralized by the home and I have not missed any payments? Rocket Mortgage refuses to negotiate and has never provided me with any documentation for the terms of the HELOC. The amount of interest I am paying on the HELOC had doubled from last year and nothing has changed except the interest rate. i have good credit and have recently gotten a new job and better pay. I want to pay off my HELOC but need help negotiating with Rocket Mortgage to prevent any financial hardship. I also want my credit score to remain unharmed. Would please intervene on my behalf? Rocket Mortgage is being punitive because I refused to refinance at a higher rate on my first mortgage to pay off the HELOC.
Consumer complaint received 2024-04-13
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. (MO)

I have submitted multiple documentation to the following XXXX credit reporting companies, I have requested A Method Of Verification, and I did not receive anything and it's been over XXXX  days. My next move will be to file an law suit against these companies. The consumer law clearly states that unverifield information shall be deleted, but instead these companies are allowing these accounts to continue to be reported. Im demanding that the following items be deleted immediately, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX, I had fraudulent activity on my checking account/debit card. Wells Fargo Bank put a stop payment/closure on the card and issued a new replacement card. The problem is that as of XX/XX/XXXX through to XX/XX/XXXX, Wells Fargo has allowed a credit from XXXX XXXX to come through all those months against the old card number that was on file with XXXX. XXXX submitted for payment on card ending in XXXX, yet my statement charged against my new card ending in XXXX. I never changed the card information on the XXXX website because frankly, I forgot I had an account with them, and also had a new laptop that no longer needed the XXXX XXXX. I had other charges from companies I neglected to change or forgot about email me about failure to process payment. However, it appears Wells Fargo went ahead and allowed the funds to come out of my new debit card. Had they not, I would have received a notice from XXXX in XX/XX/XXXX, I would have canceled at that time. The representative on the phone with Wells Fargo said that there are times when backdoor transactions are possible. I freaked out! I could see he tried to backstep on his statement. He then transferred me to the Fraud Department. I refused to allow my current debit card to be frozen because of their error. I am making an appointment to go into a local Wells Fargo Bank. I never used the services from XXXX since that laptop was destroyed, and my new laptop came with a full XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (GA)

Since XX/XX/XXXX I have been going back and forth with XXXX XXXX and experian about a missing account that was affecting my account and hindering my life. 
There is inaccurate and missing information on my credit report but ONLY with experian. I have a XXXX XXXX credit card with a limit of {$6700.00} since XXXX and it is not being accounted for on my account which is affecting my score and my credit utilization percent drastically. I have notified both of them and both companies have been telling me different things and putting the blame on one another. They told me they are reporting my information to every credit bureau and it is not a fraud account. I was told to write a letter and provide information to proof I was who I was multiple times and even when disputed they have stated that my issue has been resolved but the issue is still not resolved. I was then told today, XX/XX/XXXX by experian that there is nothing that they can do that this is a XXXX XXXXXXXX issue even though I have a written letter from XXXX XXXX stating they are reporting to all three credit bureaus.
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I sent a letter to remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the date of the previous letter. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$54000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 usc 6802 Consumer reporting agencies XXXX, TransUnion and XXXX do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

To whom it may Concern, On XXXX  XXXX I entered in a Consumer Credit Transaction with XXXX in which i gave them access to my open-end credit and received no equal value. 
Application XXXX Per 15 U.S. Code 1691A - IT IS UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANT, WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION.

Denying me access to my securities
is securities fraud which has a statute of limitation of 5years in XXXX  XXXX 
Regardless of their reasoning for the denial I have a right to credit under the Equal Credit Opportunity Act and the Consumer Credit Act which are both being violated. 
Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NV)

Beginning on XXXX, XX/XX/XXXX, I began receiving emails from the online banking institution called Chime. I had never even heard of them before but I received a welcome email. And a credit builder application email. 

also received an email saying that my debit card would soon be on its way. I also received a text on my cell phone indicating that I could download the chime app. 

I called the Chime customer service number that is listed online, but there is no answer. The automated voice keeps funneling me to select keypad number options to verify my account. I can not ask for an agent or type XXXX. It informed that if I press XXXX and they call me back to verify the account. But when I dialed XXXX, They never called back. 

Somebody fraudulently opened this account in my name. 

The emails they sent me went to a no reply inbox when I attempted to reply. I received a bounce back indicating that they did not read my email. There was no other instruction on how I could email them. They also do not offer email contact on their web page. 

After unsuccessfully calling their customer service lined, I messaged the company on XXXX, they informed that they were indeed a real person and they apologize for my experience, they asked me to call the customer service number, but did not address the fact that nobody answered the number when I informed them. 

Today, XXXX, XX/XX/XXXX, I received another email saying that a debit card is now in route to an address in South Carolina. This is not my address. 

I am reading online that this is not the XXXX  time this is happened to people with this banking institution. I am not sure what else to do.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I am submitting a follow-up complaint to request the removal of fraudulent inquiries on my credit report. I ask that the Experian, XXXX, and XXXX bureaus conduct a review and remove the following fraudulent inquiries as required by law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Ive been a Bank of America customer since XXXX, and had a checking account ( # XXXX ) that was a victim of fraud back in XXXX XXXX. I submitted several claims to dispute these fraudulent transactions, and while some were initially credited, they were reverted stating that I approved these purchases, when that wasnt true. Since then, Bank of America has been neglecting my disputes and not properly investigating my claims ( stating they no longer have access to them ), to the point where they now state that I owe money on this account that has been closed since XX/XX/XXXX. 

I went through all the proper channels and did all the right actions they requested from me while these fraudulent transactions were happening ( changing my login information, getting new cards, etc. ), and they assured me that this would solve the issue. This didnt solve it given that the offenders somehow still had access to my banking information and continued to make fraudulent transactions. 

I filed a police report ( # XXXX ), and submitted the following claims to Bank of America XXXX XXXX, XXXX, and XXXX. The latter was never even credited, while the first two were initially credited, then apparently taken back after I took out all my money out of the account to avoid more fraudulent transactions from happening. Since then, they send me monthly emails stating that my account is charged off and that I owe approximately {$6000.00} on it. 

Since XXXX, Ive been trying to re-open these claims and have been sending thorough proof that these fraudulent transactions were never authorized by me ( they were even happening out of country, in places like XXXX and XXXX while I was in the United States ). Their fraud department has been subpar in sorting this out, and theres no way to get the point across to them that these transactions were not done by me. To this day, I keep calling and faxing information showing proof, yet every department I talk to is not the correct one and they cant even tell me where that owed amount is coming from. No one seems to have access to anything, and they just transfer me to another department. Its unheard of that a company this big can have such archaic methods of getting these issues sorted out. 

I submitted a claim to the Office of the Comptroller of the Currency ( Case # XXXX ), and I am now submitting my issue through the CFPB so that everyone knows how shady and unhelpful Bank of America is with their customers. Im still a Bank of America customer despite the disappointment of resolving this issue, but this will soon change. Please help get this resolved.
Consumer complaint received 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 USC 16 XXXX XXXX XXXX
Consumer complaint received 2024-04-13
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: Experian Information Solutions Inc. (MO)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX & XXXX Balance : {$95.00} XXXXXXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2100.00}
Consumer complaint received 2023-12-26
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. (PA)

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 USC 1681.

has violated my rights. Or a list of inquiries : 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 2024-04-13
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. (MO)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I traded in a vehicle to XXXX during the purchase of another vehicle. The loan for the trade was paid in full and left with a XXXX balance yest for the past 4 months the huge balance is still showing owed and negatively impacting my XXXX XXXX and debt ratio. I have asked to please update my consumer credit reports as this is a paid loan and was never late and no money is owed but XXXX has not. Now my XXXX XXXX is dropping and debt ratio is a major factor this is {$24000.00} being incorrectly reported
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (FL)

Good afternoon, Over 2 months ago, I submitted an application through XXXX to switch into the XXXX repayment plan. I received confirmation from Aidvantage that the application had been received and was processing. I waited some time and then emailed aidvantage customer support to get an update regarding the application. On XX/XX/XXXX, I received an email from aidvantage customer support requesting that I be patient with aidvantage to be enrolled in the XXXX plan as their company has received an overwhelming amount of calls and emails from customers and would need time to respond to everyone and process all the applications. In that email, I was told to give Aidvantage 30-45 days to process my application and enroll me in the XXXX plan. At this point, we have surpassed 45 days by over 2 weeks. I received that email on XX/XX/XXXX. And today is XX/XX/XXXX. It has been over 60 days at this point and I have not received any new information or updates from Aidvantage. I feel I have been more than patient. As I'm sure you can understand, this is very distressing. I made my 1st payment of {$550.00} on XX/XX/XXXX and nearly overdrew my account. That amount is staggering to me and simply not affordable. I can not continue to make that payment going forward however, I also am a responsible person and absolutely do not want to default on my loans. I have no problem making on time monthly payments I can afford. Under the new XXXX plan, my projected monthly payment is around {$200.00}. That is an amount I can afford for the foreseeable future. I requested an update regarding when I will be enrolled in the XXXX plan, and hopefully, it is just days away. I will not be able to make another payment of {$550.00} this month or any month in the future. It is simply too high due to my current income. Additionally, I have sent between 40 and 130 emails every day this week to Aidvantage customer support and have received no response from them. They are showing to be truly incompetent as my student loan servicer. They need to be held accountable. They are harming peoples financial situations due to their ineptitude. Please hold them accountable. Thank you
Consumer complaint received 2024-04-13
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

Greetings, I am formally requesting a review of unauthorized inquiries on my credit report and urge Experian, XXXX, and XXXX to conduct an investigation and clear these entries as mandated by law. The inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX