davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/2023, I had made a sizeable cash deposit to my account, several hours later that day, I received a notification through email that my account balances had dropped below {$100.00} on all XXXX deposit accounts in my name. There were multiple transactions including, phone transfer, ATM withdrawal, and counter debit. These attempts were tried on all accounts, about {$17000.00} in withdrawals and fraudulent transactions were successful. At that moment I called the Bank and informed them that these transactions in question were not me. I filed a fraud claim immediately and got claim numbers. I was told to open a new account the next day, so I could have any refunded funds moved to the new account, I was also told a hold on transactions would be placed on the old accounts. Since then, I received a letter saying that my claim was denied, I rushed to the bank and later that day I received a refund of {$960.00}, but the larger amounts or {$8000.00} and {$8700.00} are still pending.
Consumer complaint received 2023-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

We have applied for an income driven repayment plan several times through the student aid federal website and Mohela 's website and it has given us a monthly payment of less than {$300.00} a month considering our dependents and my husband 's student loan amount. However, Mohela is continuing to make me pay over {$1000.00} a month and will not verify the information that we have provided. Mohela is not considering the large amount of my husband 's student loans and the multiple times we have reapplied with proof of our situation. We have spoken to representatives and they also agree that my payments should be much lower but it has not been updated nor changed at all. We think it is only fair to pay the amount according to the income driven repayment plan calculations that comes out when inputting our information manually on the studentaid.gov website and Mohela 's website.
Consumer complaint received 2023-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MT)

I received a credit bureau notification that a collection had been initiated by Transworld Systems , INC, for a XXXX  uncollected debt from XXXX XXXXXXXX XXXX XXXX 

I contacted Transworld and filed a dispute. Dispute reference number is : XXXX They did not confirm receipt for the information I sent. 

I also contacted XXXX XXXX today. They indicated the debt was for a residential XXXX  account with the address XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I have never lived in Texas and have never owned property in Texas. 

XXXXXXXX XXXX  confirmed that the account was terminated in XXXXXXXX XXXX  and was established using my social security number.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

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.

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 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: RoundPoint Mortgage Servicing LLC (CA)

Round point purchased my mortgage from XXXX. I paid flagstar this month but Roundpoint says I am delinquent. THERE IS NO NUMBER TO CALL FOR SUPPORT ANYHWERE ON THEIR SITE!!! Is this legal? What about customer support? What a joke!
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (FL)

XX/XX/XXXX I called to set up my XX/XX/XXXX mortgage payment, I noticed there was a column " Other Fees Due {$150.00} ''. When speaking with the customer service, the lady informed me she was unable to determine where this fee is coming from, she stated she went all the way through my payment history to XXXX and did not see anything. I do not owe any late charges, NSF Fees, no Legal Fees nothing. 

She did advise me she was putting in a request for the research team to investigate the fee. There is no reason my mortgage company should slap unexplained fees on my mortgage by simply creating a fee bucket.. 

I can't wait XXXX days for a resolution, when they put this fee on my mortgage instantly without any notice to me as the property owner. I want this fee removed from my mortgage immediately..
Consumer complaint received 2023-04-21
Product: Credit card or prepaid 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: Synovus Bank (MI)

I was in a car accident and I was hospitalized for several days and when I returned home I saw that my wallet and credit cards had been stolen and used. I filed a police report with the local police and I called the credit card companies and First Digital responed that I am responsible for the charges even though I reported the unauthorized use and proved that I was not in possession of the cards at the time. I called and spoke to a very rude associate to appeal the decision and he advised me that the appeal results would be the same.
Consumer complaint received 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I need some help, there is an inaccurate account listed which is FALSE information and I have brought it to the attention of Experian which I received there response stating they aren't going to help unless I provide them with supporting documents which how would I have if it is inaccurate and false information listed on MY personal credit file and XXXX  how can they report inaccurate data like this how can one be current as of XX/XX/2012, 30 days XX/XX/2012 and XX/XX/2012 charged off. This account which is false XXXX XXXX XXXX needs to be removed
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

an account was open in my name without my consent due to the fact i was a victim of fraud i was trying to get an place and i found out the people i gave my information and money to wasnt even the ones selling the property i was told i had to leave after paying so much money to them next i tried to pen an account for a bank and was told that i already had an account and it was closed due to low funds and overdraft fees and i stated i didnt open they told me that it was open by me which thats inpossible if i had know knowing of an account being open or i wouldnt try to open one they said acount was open XX/XX/XXXX and i have overdraft of XXXX to pay i let them know again today XXXX XXXX XXXX that i was a victim of fraud so they need to close it here is the case number submited today XXXX wells fargo
Consumer complaint received 2023-02-21
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. (GA)

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 XXXX5 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number : # XXXX has violated my rights. Or 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 2024-04-04
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation.

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

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Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am disputing the validity and requesting validation for completeness of accuracy of the information listed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], this disputed item must be validated or deleted and removed from my credit record within 5 days. During this investigation and validation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. These accounts are also in violation of Pennsylvania state law title 42 PA.C.S 5525. I attempted to insert this issues with the credit bureaus. However, I had no response The accounts in question are listed below along with uploaded screenshot of inaccuracies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX. Four year limitation. 

( a ) General rule. -- Except as provided for in subsection ( b ), the following actions and proceedings must be commenced within four years : Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 




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Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. How did they complete this investigation?
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX  Account number XXXX, Date opened XX/XX/2023, XXXX XXXX XXXX, Account number XXXX, Date opened XX/XX/XXXX, XXXXXXXX XXXX XXXX Account number XXXX, Date opened XX/XX/2023. The credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-10-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Barrett Financial Group, L.L.C. (AZ)

To Whom It May Concern, On XX/XX/2023, I received a Closing Disclosure from Barrett Financial Group , L.L.C . with the estimated disbursement date of XX/XX/2023. This Closing XXXX had a charge of XXXX XXXX discount points ( {$1800.00} ) being charged at closing. 

However, on XX/XX/2023, I received a new Closing Disclosure that had a charge of XXXX XXXX discount points ( {$4700.00} ) being charged at closing. There were no changes to the loan amount, interest rate, or any other valid change of circumstance. Also, all of the other costs stayed the same. The discount point charge in XXXX XXXX was the only item that changed between the two CDs. We also did not require a lock extension, as we had over XXXX weeks left on the lock. 

I did not receive anything detailing a change of circumstance, nor did I see any changes in the loan from XX/XX/2023 to XX/XX/2023. As the origination fees have a zero tolerance for changes unless there is a valid change of circumstance, I believe Barrett Financial Group , L.L.C . illegally charged me XXXX XXXX in discount points ( {$2800.00} ). 

On XX/XX/2023 I requested multiple times via email that the Loan Officer, XXXX XXXX, honor the CD from XX/XX/2023, as I had not agreed to any changes to that CD. The Loan Officer refused to honor the XX/XX/2023 CD. The Loan Officer provided no reasoning for his refusal, other than that he wanted the additional compensation ( Specifically, the Loan Officer stated that the discount points were his only source of revenue and that even with the additional discount points he would be losing money by closing the loan. I believe that this may have been another deceitful tactic, with the aim of deterring me from escalating the issue, as my understanding is that Barrett Financial Group , L.L.C . was acting as a correspondent lender, and as such, their fees would typically include much more than just the discount points, and those fees are hidden from the borrower on the CD. ) At this time the transaction was already significantly delayed, and the seller had already agreed to XXXX purchase contract extensions to cover lender delays. The seller threatened to not extend closing a XXXX time. To avoid losing the home, I had no choice but to close the loan, which contained the additional XXXX XXXX overcharge in discount points. 

On XX/XX/2023 I escalated this issue to XXXX XXXX, the Regional Vice President of Barrett Financial Group , L.L.C . I have reached out a few times since. I have not received a resolution. 

As there was no valid change of circumstance, I believe Barrett Financial Group , L.L.C . illegally charged me XXXX XXXX in discount points. Therefore, I am requesting a full refund. 

I have attached key supporting documentation. However, I would be happy to provide any additional supporting documentation, including email or text message communications, to assist in resolving this matter. 

Thank You
Consumer complaint received 2018-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

When I was starting college a credit card rep from bank of america discussed with me about signing up for a credit card. During the application procces the credit card rep fugged my income by a lot so I could get a larger amount of credit. Looking back with my income at the time I would have been declined due to me making less then {$100.00} a month. I was apporved for a card with an {$1000.00} credit limit. I started useing the card with out actually understanding how credit cards worked and not know i would not be able to pay it off with my income. My account went into defualt and was sold to a debt collector. I was away at college and during those 7 years my debt went to a judge and it was ruled in the debt collector favor without me even getting a notice because I was away at college. Now that {$1000.00} credit debt is over {$3000.00} and they garnish my wages anytime I get a job. I am XXXX now and i look back at the day the bank of america rep XXXXXXXX XXXX XXXX  and nothing was reported or done.
Consumer complaint received 2020-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

ATTENTION : EXPERIAN DISPUTE DEPARTMENT To Whom It May Concern : I am writing to inform you that you are continuing reporting inaccurate information in my credit file. While I believe, I can document significant noncompliance by your bureau, it is my hope that this matter will not progress to the point of litigation or administrative action. Specifically, in my letter I indicated that I dispute the following information reflected in my credit report : XXXX   XXXX XXXX : XXXX The payment status is incorrect, please delete.
Consumer complaint received 2020-04-06
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (GA)

I have a Chase Bank credit card. Four fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX. Chase 's current practices are making it practically impossible to resolve the matter. 

You can dispute the charges on the Chase website, but you are required to check a response indicating *why*, and fraud is not one of the options. For that, you are asked to call customer service.

However, ridiculously incorrect statements of hold times ( I was told ten minutes ) coupled with actual hold times ( I was on hold for 2 1/2 hours Friday, and I am at 1 1/2 hours right now ) make it nearly impossible to resolve any issue, especially for individuals who are still working outside of the house and do not have the ability to spend hours on the phone. 

I understand that everyone has limited staff right now, but I feel that a company as large as Chase can do better by their customers. At the bare minimum, a realistic expectation of hold times or the offer of a call-back would be good.