davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRSTBANK PUERTO RICO (FL)

First Bank is trying to charge me a {$20.00} overdraft fee. At no time was my account ever overdrawn. They are trying to say in their system it is showing as overdrawn. I have on an online account and I can prove that my account was never overdrawn. They are trying to make up stuff in their imaginary account. If they are keeping 2 sets of books, that has nothing to do with me. I will only be charged fees for what is fully disclosed and reported to me. Again, at no time was I ever overdrawn and I want my {$20.00} back. Please publish this complaint.
Consumer complaint received 2024-07-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft and my government benefits were fraudulently used. 
When I received my benefit card in the mail the account had a XXXX balance and that is not right. I have sent Bank of America all documents to verify me being a victim of identity theft including, identity theft report from the Federal Trade Commission, Police report from XXXX Police Department, and copies of my government ID and social security card to verify that it is me .Despite Bank of America advertising and promoting the XXXX $ liability guarantee that states I should not be responsible for unauthorized and fraudulent charges Bank of America still has not sent me a refund after receiving all proper documentation
Consumer complaint received 2023-09-16
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. (PA)

I identified inaccuracies on my credit report with Experian that negatively impact my credit score. To address this, I sent multiple disputes to Experian via mail, providing all necessary supporting documentation. In response, rather than taking action to resolve the errors, Experian sent multiple stall letters without adequately addressing or correcting the identified inaccuracies.
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXXXXXX XXXX XXXXXXXX, GA, XXXX Employer - XXXXXXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, AL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged DP OF EDUC - XXXX XXXX - XXXX DP OF EDUC - XXXX Listed below are the Inquiries that are being challenged XXXX XXXXXXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-10-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC. (OH)

The mortgage company guaranteed rate is making it difficult to pay my mortgage. I want to pay a large sum of money on my mortgage and recast the mortgage. Tthe compay is not offering payment options that enable me to do this. When I called the company told me that I could not recast the mortgage until it was " sold '', which will take 90 days forcing me to make 3 months at the higher payment. This is NOT what they told me when I purchased the mortgage. They will also not provide a way to pay {$200000.00} dollars that feels secure. They sent wire instruction in a random email with no logo on the message and no way to verify the sender. 

The primary job of a mortgage company is to take payments. A mortgage company needs to provide customers and easy way to make payments and pay off their loans. Interest rates are high and adding barriers to payment costs me money.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

We had recently purchased a holiday trip to XXXX using our Capital One venture X credit card. Due to my husband 's XXXX we had to cancel our trip that we made 3 months ago. We cancelled the trip with Costco Travel and they gave us {$3000.00} out of {$4100.00}. Our credit card promised that they cover trip insurances but when we filed a claim for this trip cancellation they are coming back with all their hidden rules and not returning our non refundable money back that Costco didn't give us back which is {$1100.00}. 

I am not happy that we are stuck with this credit card folks for our trip. It's not been an easy conversation with them and on top of that my family is also sick. It's been a terrible experience to have purchased our trip with them
Consumer complaint received 2023-09-16
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX AMBULANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX XXXX XXXX  XXXX  XXXX Bankruptcy Dismissed Date Filed/Reported : XX/XX/XXXX XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-09-19
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: AES/PHEAA (FL)

My Name Is XXXX XXXX XXXX Im lookiong for legal council to help me in a serious financial debate with XXXX XXXX 

Following up on a previously addressed complaints to many staff members, Consumer Financial Protection Bureau ( CFPB ), The Attorney Generals Office and Even FedLoans services with no progress towards my case. Bringing me to seek Now Legal Action. 
The following information sums up my on going issues with thye university. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Method : Personal Check or Bank Debit Subject : Falsified State and Federal Information and stoping my education XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XXXX Semesters that were falsely applied ran from XXXX. 
Pell Grant amount applied- {$3500.00} XXXX XXXX XXXX {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : XXXX Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts.

Taxes were filed on a 1098-T XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX I have documens, Recipts, Emails from Staff Members, applications and with drawl forms supporting my case. 
In XX/XX/XXXX I received Statements stateing I was paid in full and had no other debt towards XXXX XXXXFor Just ONE example. 

I would like to forward you the documents I received and have had on file starting that I dont owe them any more debt. Yet I still am tortured from the staff in XXXX and they refuse to release my transcripts. 

My educational gains my financial goals and my mental health has been completely disrupted by the university and the complete fact that they ignore the proof that I have that they wrongfully will not release my transcripts to this day and XX/XX/XXXX, when I requested them.
Consumer complaint received 2023-09-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I submitted a payment of {$640.00} from a checking account ending in [ ask if needed ] which had XXXX XXXXXXXX on it to Citi Bank to pay my balance and keep my account funded. After a few days, I recognized a Return Check Fee. Confused to why that would be I would call Citi Bank for the first time on XX/XX/XXXX inquiring about the fee and why. The person on the phone did not explain the fee after I constantly asked why and I asked to get it waived which they agreed to do, I just had to wait until my statement posted on XX/XX/XXXX. Waiting until XX/XX/XXXX I would call Citi again as I noticed that another returned check fee appeared again. This agent wasnt informed on what it was either and once again said that when my statement is posted, they will reverse it and my account will be reflected to show the proper balance. So I wait until the next day where I receive an email saying a Replacement Payment is required. So I call Citi to ask about that as well as with an agent on the phone saying my account is fine all I have to do is make a payment. I used my account Ive been using with Citi to make payments to make a payment of {$680.00} which XXXX XXXX confirmed on a call I had with them minutes prior that they see the payment and it will be released, everything is all set. Hours later, I check my Citi account is closed with no notification after being strung along for a week and lied to before the account was randomly closed after taking a {$680.00} payment from me verbally after going through their verification process on each call. 

I reached out to Citi Executive Response Unit to explain the situation and they made a case to investigate it under the case number [ ask if needed ]
Consumer complaint received 2024-07-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (FL)

I am filing this complaint against Amsher Collection Services for multiple violations of consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. **Failure to Provide Validation of Debt ( 12 CFR 1006.34 ( b ) ( 5 ) ) : ** Amsher Collection Services has failed to provide validation of the debt in question. Despite multiple requests, they have not provided any evidence demonstrating their authority to collect this debt.

2. **Failure to Provide Dispute Rights ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : ** I have not been provided with an opportunity to dispute the account with Amsher Collection Services . They have not communicated the necessary information regarding my rights to dispute the debt within the required time frame.

3. **Use of False, Misleading, and Deceptive Practices : ** Amsher Collection Services has engaged in misleading and deceptive practices by reporting this debt to consumer reporting agencies without providing adequate validation or disclosure as required by law. This includes using false representations regarding the validity of the debt.

4. **Violation of Reporting Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : ** Amsher Collection Services has furnished information to consumer reporting agencies without fulfilling their obligations to provide accurate and complete disclosures. This violates federal laws governing the reporting of consumer information.
Consumer complaint received 2023-09-16
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX
Consumer complaint received 2024-07-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/XXXX I wrote requesting proof of wet ink signature I have never had any communication with this debt collector LVNV FUNDING LLC/ RESURGENT CAPITAL SERVICES L.P . Nor have I contractual agreed with this person under any circumstances. Since this is my SECOND Request, I will also contact The Federal Trade Commission notifying them that I have signed receipts for letters sent to you and I regret that am being forced to take such action. I also understand that you are required to notify within 30 days and provide me with an updated copy of my credit report. My contact information XXXX am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you will be liable for your willful non-compliance.
Consumer complaint received 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

They closed my account because i had used the words XXXX XXXX XXXX when speaking to an employee after they locked my card. I called and no one told me why i was closed they said you got ta wait for mail.
Consumer complaint received 2024-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (FL)

At the beginning of 2024, we were informed that they did not accurately forecast our property taxes for the prior year. We were then responsible for repayment due to their negligence and needed to pay an additional XXXX USD each month to make up the deficit. This added XXXX to each monthly payment which we did not expect and are struggling severely to come up with. We've been paying since then but are unable to do so further. We ( my wife and I ) are unsure how to continue with this unexpected increase in cost that seems not a fault of our own.
Consumer complaint received 2023-09-16
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. (GA)

I am writing to formally complain about a persistent issue related to inaccurate information on my credit report. I have made several attempts to rectify this matter, but it has not been resolved satisfactorily. The issue in question pertains to a late open account that has been erroneously reported on my credit report. This account, as reported, is inaccurate and has been negatively impacting my credit score. I have taken the following steps to address this issue : Subsequently, I contacted your bureau to dispute the account 's accuracy and request its removal or correction. I provided all the necessary documentation to support my dispute. Despite my initial dispute, the inaccurate account remains on my credit report, and it continues to have a detrimental effect on my creditworthiness. I made additional attempts to contact your bureau to follow up on my dispute, but the issue remains unresolved. I understand the importance of accurate credit reporting and its impact on an individual 's financial well-being. The inaccurate reporting of this late open account is unjust and damaging to my credit profile, making it challenging for me to obtain credit and financial opportunities that I am entitled to. I kindly request that you promptly investigate and correct this matter by removing the inaccurate late open account from my credit report. It is crucial that my credit report accurately reflects my financial history and responsibility. Please provide a written response within 30 days of receiving this letter, as required by the Fair Credit Reporting Act ( FCRA ). In your response, kindly inform me of the actions you have taken to address this issue, as well as any changes made to my credit report. If this matter is not resolved to my satisfaction within 30 days, I may be compelled to escalate my complaint to the appropriate regulatory authorities and seek legal remedies. I have enclosed copies of the relevant documents, including my credit report with the inaccurate information highlighted, as well as proof of previous disputes and communications. This late open account should be corrected by the credit bureaus immediately : XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CREDIT MANAGEMENT CORPORATION (SC)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-07-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/year> XXXX double charged me for their services. On XX/XX/year>, I noticed this and XXXX immediately submitted a refund. On XX/XX/year>, Serve card received the refund however they placed a 7 day hold on my refund not allowing me access to use what was owed to me. They lied several times and said the merchant placed a hold. I then called them with the merchant on the line. They informed they dont place holds on refunds and to release my refund to me. They still refused to give me my money. This isnt on their terms or conditions as I also asked for a copy. I also wasnt notified of the hold explain the reason why. On XX/XX/year> I called again to speak with a representative and supervisor again asking why and again no explanation. Still refused said why dont I just wait the 7 days. I said because this is totally illegal to hold my funds. Its a refund a credit.