davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Entered an application XX/XX/XXXX with XXXX XXXX at BOA. They took our info and we got a PreQualification for XXXX. Through the process it was known we were in XXXX  and the home we wanted to purchase was in XXXX and my XXXX was XXXX. At no time within XXXX weeks ( denial on XXXX ) were we told we would not be able to get an XXXX loan due to my XXXX not having current work in XXXX At every turn they needed more money, more documentation, more information and i almost XXXX XXXX XXXX XXXX. They needed us to show funds in our account- i got a XXXX XXXX from my XXXX and i liquidated my XXXX for XXXX which XXXX was removed for taxes. This was all done per BOA needing to restructure the loan or get XXXX down. This is all the while bills are generating for Inspections, Appraisals ( which BOA took {$700.00} from me up front and only cost {$400.00} ), title work who knows what else. On XX/XX/XXXX i got a call and a denial i sent a letter to the BOA XXXX office. XXXX XXXX reached out took our complaint and she said she'd get back me. XX/XX/XXXX she stated the dept said my loan was not " saleable '' and no path forward but was checking on other options and i'd get a call on XXXX. XXXX came and went with no call and on XXXX my BOA home page no longer had the Mortgage info so that was my clue there was a denial. XX/XX/XXXX XXXX called and emailed me my denial letters and apologized for not calling. I told her this should never had taken so long since other financial institutions i called for help stated BOA should never had gone this far. I want to recoup my {$700.00} Appraisal Fee, {$380.00} Inspection Fee, {$320.00} Title Work, and {$3000.00} XXXX liquidation fed taxes back for the debacle that is my declined XXXX Loan. Ive banked with BOA for quite awhile and this has been notably the worst experience Ive ever had. Unprofessional and they are obvious not experts on XXXX loan criteria. I feel even worse for the Sellers for the let down and time wasted.
Consumer complaint received 2024-05-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (MI)

This is a complaint against " Chime '' on XXXX XXXX I contacted you to advise I could see someone mirrioring my cell phone by using " XXXX XXXX '' and not to release the pending funds as this transaction was not made by me, yet you released them anyway and advise once the funds have left the account file a dispute, What? you had the ability not to release funds and you did, isnt one of your selling points is being able to lock your card, then you returned the funds and took them back almost as if your providing a sense of customer service and empathy for YOUR CLIENT and then took it back almost like playing in my account. The lack of times I was placed on hold and hung-up on blows my mind from your monitored calls.. I have heard of people wanting a lot of things in life but idenity theft isnt one. What tools did you use to do a investigation? let me guess " XXXX '' seems legit next time ther is a issue with you we should contact " XXXX '' since they make decisions on your behalf. Fraud a wrongul form of deception used for financial gain of others. Thats what I like to do give away XXXX and then turn around and fight to have it back.
Consumer complaint received 2023-08-29
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2024 there were 4 unauthorized transactions made with my credit card. The amounts are for : {$32.00} {$23.00} {$310.00} {$26.00} I locked my card and called the fraud department as soon as I got an alert of possible fraud on my phone. The credit card company canceled my credit card and mailed me a new one and gave me temporary credit for the unauthorized charges meanwhile an investigation was being made. I received a notification 2 days later that my case had insufficient evidence of fraud and is now holding me responsible for these unauthorized charges. When they clearly state they have a {$0.00} liability for unauthorized charges.
Consumer complaint received 2024-07-17
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. The following account LVNV FUNDING LLC ( Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) ( Account Number : XXXX, Date Opened : XXXX XXXX, 2022 Balance {$380.00}. Cease the reporting of this fraudulent account immediately.I am not liable for this debt with XXXX XXXX XXXX  XXXX XXXX XXXX and I do not have any contract with LVNV FUNDING LLC. This account is fraudulent and does not belong to me, I have attached an FTC report along with this document along with a copy of my ID. I am requesting the following 1.Immediate Cease of reporting this alleged debt to any Credit Reporting Agency 2.A formal apology from LVNV FUNDING LLC for the violation of my rights under the FDCPA. 3. Compensation for emotional distress and inconvenience caused by your unlawful collection efforts, in the amount of {$1000.00}. XXXX. Reimbursement of any legal fees incurred in addressing this matter.
Consumer complaint received 2024-07-17
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc. (GA)

On XX/XX/XXXX I subscribed to companies credit boost, I was {$14.00} for a one month subscription. 
Later that day I had seen no results or update on my subscription. I emailed them and received no response. 
The bank account I had linked to the payment had been closed due to a divorce so I let it go. It is now XX/XX/XXXX and I have emailed them once again. 

They were updating my account and they were all via automated text : On XX/XX/XXXX : TomoCredit : Subscription Alert. 

Your TomoBoost subscription renewal failed. 

Resolve now : XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 

I was notified every day until XX/XX/XXXX when it changed to : TomoCredit : IMPORTANT Your TomoBoost reporting is scheduled to STOP soon. Resume your subscription to avoid impacting your credit score.

https : //tomo.credit/paused Reply HELP for more information. STOP to unsubscribe. 


That happened everyday until the XXXX when I received this message : TomoCredit : IMPORTANT Your TomoBoost reporting is scheduled to STOP soon. Resume your subscription to avoid impacting your credit score. XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 

I received that message everyday until this past Thursday, XX/XX/XXXX when the messages began to say TomoCredit : Urgent - Upcoming Termination! 

Your TomoBoost account is scheduled to be terminated soon. 

Closing a line of credit may negatively impact your credit score.

Resume XXXX XXXX XXXX XXXX Reply HELP for more information. STOP to unsubscribe. 


I never once was able to find a phone number to talk to a real person to cancel the subscription or even ask questions. and when you would reply help to the automated text it would just reply with : Reply STOP to unsubscribe. Msg & Data Rates May Apply. 


My credit score has not been impacted that Im aware, but I am afraid they will negatively impact it if it continues. 

Attached is a photo of where I was charged for the service and one is of where they said that my card was on the way. I never received any kind of card from them. 

Every day they would send me at least 2 emails talking about signing up for the subscription I had already paid for but never received services for.
Consumer complaint received 2024-07-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synergetic Communication Inc (GA)

XXXX has utilized synergist communication and capital with providing false information using false dates as to when this acct was open and continue to provide false information on the closure of this acct. in XXXX. My credit has been affected severely and XXXX and these collection agencies ignored my letter for negotiations with " cease and Desist ''. XXXX provided to the collection agency that this acct. was open in XX/XX/XXXX when actual it was open in XXXX. I have proof to show that XXXX financial company sent me a letter deleting this debt with all credit reporting agencies, however ; XXXX has falsified their report and the collection agencies failed to follow the letter of the law.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

I have been attempting to create my account with Experian since XXXX XX/XX/year> in order to unfreeze my credit file. Each time I have attempted to complete my account, I receive an error that they need additional information or there is a server error. I have twice provided the required information of drivers license, current bill, and unfreeze request form using Experian 's upload system. The most recent upload was on XXXX XX/XX/year>. I have called Experian at least twice a week since XXXX XX/XX/year>, but can never get to a human and the automated responses provide my assistance other than to refer me to creating an account online. Because I am unable to unfreeze Experian, I am unable to apply for a credit card and can not apply for an apartment for school starting in XX/XX/year>.
Consumer complaint received 2024-07-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year> at around XXXXXXXX XXXX A scammer got sensitive information from Wells Fargo, such as my Social Security Number, date of birth, and purchase history, and posed as Wells Fargo. The perpetrator, acting as Wells Fargo, called me and claimed that my account was under fraud, my XXXX was compromised, and instructed me to move money to my XXXX Account. The only reason why this call was believable was because the person already had the sensitive information listed above and used it to falsely claim they were Wells Fargo. The perpetrator also spoofed Wells Fargo 's phone number. My XXXX account was later compromised by the scammer, still posing as Wells Fargo, and about {$8800.00} was stolen from me. My XXXX later turned out to not be compromised and there were no fraudulent charges on my account before the scammer called. It was not compromised until afterward when I gave him information still thinking he was Wells Fargo. The scammer was also able to get into my online banking and move money to my checking account so the transactions ( amounting to {$8800.00} ) to my now compromised XXXX Account would happen. He moved my entire savings account, which had {$7700.00}, to my checking and also did a cash advance of {$1200.00} with my credit card. 

I called Wells Fargo 's phone number afterward at XXXX ( XXXX ) XXXX XXXX while these charges were pending immediately after I recognized that my information was compromised on XX/XX/year> at around XXXXXXXX XXXX The representative had claimed to have frozen my account and had said the money was still in there on her end. I went to a Wells Fargo branch the next day on XX/XX/year> and had XXXX claims filed. Wells Fargo had told me on XX/XX/year> that there were multiple instances of unauthorized movement of money on my online banking but because the funds were gone, they could not reimburse me for anything despite acknowledging there was fraud. Then I called on XX/XX/year> and they told me they acknowledged fraud but my claims were denied because they could not get the money back from XXXX. However, it appears as if they did not even try to get the money back and all of this only occurred because their security systems allowed sensitive information to leak which enabled someone to believably pose as them. 

I have already filed a police report and am currently in communication with XXXX to try to get the money back. However, Wells Fargo should be doing this but it appears they are not taking the steps to make up for their mistakes.
Consumer complaint received 2024-07-16
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. (FL)

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 Employer - XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX - 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 TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Their autopay failed and they did not notify me in time. When I called in to ask them to re-submit their ACH, it worked. It was obviously a problem on their end. They admitted to this and told me they would remove the blemish off of my credit report. 

Account info Account name CITIZENS PAY CREDIT LINE Also known as CITIZENS PAY CREDIT LI Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$2400.00} Balance updated XX/XX/XXXX Recent payment {$200.00} as of XX/XX/XXXX Monthly payment {$66.00} Credit limit {$2800.00} Highest balance {$4000.00}
Consumer complaint received 2024-07-16
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)

RE : XX/XX/XXXXBLOCK REQUEST To whom it XXXX 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. The following personal information is incorrect. The following personal information is incorrect Account XXXX XX/XX/XXXXAccount XXXX opened XX/XX/XXXX and XXXX XXXX Account # XXXX opened XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.The inquiry was not authorized XX/XX/XXXX XXXX XX/XX/XXXXDEALER Date of inquiry : XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XX/XX/XXXX. On XX/XX/XXXX, The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX, The inquiry was not authorized XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report, The inquiry was not authorized XX/XX/XXXX on XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XX/XX/XXXXon XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XXXX XXXXXX/XX/XXXX XX/XX/XXXX Please remove it from my credit report. The inquiry was not authorized XX/XX/XXXXon XXXX, XXXX Please remove it from my credit report.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXXOUR 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 TRAFFICKING IN PERSONS OR XXXX XX/XX/XXXX IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAINE & WEINER COMPANY, INC. (CA)

I paid XXXX insurance and then switched insurance companies in XXXX  2024. XXXX continues to harass me since XX/XX/year>2024 and now has impacted my credit score with a derogatory. XXXX turned me into a debt collector. I do not owe XXXX  anything.
Consumer complaint received 2024-06-24
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. (MI)

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (TN)

Name : XXXX XXXX Account Number : XXXX Address : XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXXXX/XX/XXXXXXXX I am writing to dispute the {$170.00} annual fee I have been charged. 

History : I opened my account with Indigo not realizing there was a {$170.00} annual fee. 

I made one charge to XXXX for the amount of {$90.00}. ( not sure exact amount ) Once I received my statement showing the {$170.00} I immediately paid my balance off and closed the account. I then asked to get the {$170.00} credited since I had only used the card for one transaction. I was told that it could not be credited back. I called back a second time only to be told the same thing. 

I then filed a dispute with XXXX. The next day I received a credit of {$170.00} on my account thinking it had been resolved. 

I received another statement and the {$170.00} was back on my account again. 

I made another call to Indigo and the gentlemen I spoke with apologized and said that he would credit this back immediately and that it was a mistake. I asked if he was sure because I was tired of dealing with this. He assured me over and over that it had been credited and that there should be no further issues Today, XX/XX/2024 I received another statement ( copy enclosed ) that show it had been charged again on tope of a {$30.00} late fee to add insult to injury. I called again and asked about this charge and also spoke to a supervisor. She said that it had been credited in error ( XXXX times ) and had been charged back. So I hung up and said that I would file another dispute through XXXX which I did today. 

I have never dealt with a company with such bad customer service and underhanded tactics. Saying one thing and doing another and even reversing course. 

Furthermore, it says the calls are recorded, but that they could not pull up any of my calls or records. So I am asking for a transcript of all of my calls and conversations from the beginning. It will be very clear what was promised by Indigo and what was not delivered. 

I asked that my account be credited the annual fee of {$170.00} plus the {$30.00} late fee plush the {$5.00} interest charge for a total of {$200.00}.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (FL)

I was sued in court by XXXX XXXX XXXX on behalf of Westlake Prep and I had to Hire an attorney to work on my behalf and I paid them in full the full {$2900.00} and received a settled in full with a {$0.00} balance. However once it was updated with three credit bureaus they updated it as owing {$330.00}. My lawyer informed me this will be updated to {$0.00} once paid in full and XXXX XXXX XXXX stated the same information. I called Westlake and they are trying to make me pay more money!!!! This is seeming very scammy and I need this updated as this is hindering me from getting a house and I am a business owner and they are questioning this as I am getting business credit for my business.