davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My card was cancelled out of the blue and I had over {$800.00} of travel rewards which I was counting on for our family vacation this year. I have been a card member in good standing since XXXX. We were not delinquent but I did maintain a zero balance for a few months. 

COPY OF EMAIL CONTENTS : ACCOUNT CLOSURE Account number ending in XXXX Bank of America Unfortunately, we've made the decision to close your credit card account ending in XXXX on XXXX. 
We wanted to let you know about this change in your credit card account status as soon as possible. We want to make sure you understand how this change could affect you and what you can expect. 

We'll be sending you a separate letter by mail to explain why we made this change. Please read it carefully. It provides you with more detailed information. 

If you have any recurring payments linked to this account, please be sure to make other payment arrangements. 

We apologize for any inconvenience closing the account causes you. 


Learn more about understanding and improving credit by visiting XXXX XXXX XXXX, which provides tools and information to help you manage your money. 

Legal disclosures and information Contact Us | Privacy & Security You're receiving this servicing email as part of your existing relationship with us. 

Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. 

Bank of America, N.A. Member FDIC. XXXX XXXX XXXX XXXX Bank of America Corporation. All rights reserved. 

This email was sent to : XXXX EMAIL-XXXX
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GU)

I respectfully request the XXXX XXXX to order and approve my application for reconsideration. please see attachment for complaint submitted for references and score references. Thank you for your cooperation and understanding. Sincerely yours, XXXX XXXX
Consumer complaint received 2024-02-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX : I made an order on XXXX for XXXX bundles of 30 inch kinky curly human hair costing XXXX XX/XX/XXXX : My order arrived, I went to use them then realized it was not of quality that I had in the past. To be specific : the hair kept tangling straight out of the package, and it wasn't true to the 30 inch length, it was well below 26 inches XX/XX/XXXX : I submitted a return request to XXXX and it was accepted. I was instructed to return to a XXXX XXXX XX/XX/XXXX : I dropped off my return to the XXXX XXXX, it was scanned and sent off. 
By XX/XX/XXXX : I checked my return center on XXXX and noticed that my refund was marked as received at the warehouse, but my refund was not initiated. 
XX/XX/XXXX : By this time I still hadnt received my refund and disputed the charge with my bank. 
XX/XX/XXXX : My bank issued a letter stating that XXXX already refunded my order, which is not true as there are only 3 transactions from XXXX under this transaction which are as follows : - 1 Transaction on XX/XX/XXXX : XXXX was deducted from my account for the order made - 1 Transaction on XX/XX/XXXX : XXXX was put back into my account as a temporary credit for my dispute - 1 Transaction on XX/XX/XXXX was deducted from my account as my dispute was denied. These transactions will be shown in the files uploaded. 

I have had many conversations with XXXX customer service about where my refund is, with it ending in the customer service representative disconnecting our chat and not solving my problem. 

Following this, I attempted to re-open my claim by submitting further evidence that my refund was sent to the warehouse, but not received. The evidence was submitted on XX/XX/XXXX. 

I have yet to receive a letter on the evidence I submitted, but XXXX is now stating that they did not receive my refund. 

To be concise, XXXX claimed : XX/XX/XXXX : XXXX claimed that I received my refund. My bank did not review XXXX claim as there are no transactions proving that I received my refund. 

As of today, XX/XX/XXXX : XXXX is claiming that they never received my package. They have went and changed my return claim after I showed my bank proof that I did not receive a refund. They falsified documents, stating that I never returned the package. 

XXXX are making false claims about the product I returned and is refusing my refund. My bank has been of no help, as with about 3 disputes I've filed, they have accepted the fraudulent evidence from companies and denying my rights to my refund.
Consumer complaint received 2021-10-15
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (NV)

Mr. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX, NV XXXX XXXX XXXX Loan Depot XXXX XXXX XXXX XXXX, NJ XXXX Loan Number : XXXX Dear Sir or Madam I have received your monthly invoice concerning the XX/XX/2021 payment change. 

In the invoice you have included demands to increase my monthly payment to {$2400.00}, an increase of {$190.00}. This raise in my monthly payment is due to the addition of 2 items, a Hazard Insurance policy and payment of my County Tax to be included in my monthly payment. 

You have mentioned in your demand that there is shortage in my payment. I have reviewed this statement and I did not find any shortage. You have made a false statement to justify your demands. 

I neither asked for the Hazard Insurance policy nor do I want the insurance policy. 

Regarding you paying my County Tax, I want to continue paying the County Tax myself. In fact, you have the wrong amount of County Tax due in this payment year because I receive a discount in the County Tax. My discount is because I am a XXXX veteran and XXXX XXXX  XXXX due to my XXXX XXXX XXXX XXXX in the XXXX war. 

I, hereby reject both your demand for an increase in my monthly payment for a Hazard Insurance policy and including my County Tax in my monthly payment. 

I will continue to pay only for the principal, escrow, and interest. 

I resent your false statement and your demand for trying to increase my monthly payment for items I did not request; therefore, I intend to make a complaint to the Consumer Financial Protection Bureau concerning your unwanted, unrequested, and possibly illegal intrusion into my personal affairs. 

Yours truly, XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc. (FL)

In XX/XX/2023, I was made aware of a collection account added to my credit report under the company Meridian Financial via XXXX XXXX. Upon looking up the account through XXXX XXXX I saw that the original creditor was XXXX XXXX. This is the company that my parents had purchased a timeshare through when I was a child. My mother and I have similar names and were even born in the same month, so I figured it was an error. There is no way this can be my delinquency since I was a child when my parents made this purchase. I have reached out to the company via phone and was informed they can not give me information by phone and had to submit a request in writing. In XXXX I sent out a certified letter and received the signature receipt, but was never given any reply or documentation. Again in XXXX, I sent out another certified letter and received a signature receipt but still was not given any information. I have tried to dispute it via XXXX XXXX and XXXX and it was denied each time, claiming the company says it is accurate. This is impossible. If it is under my social security then it is fraud and someone used my information without my consent, or the credit bureau got my mother and myself confused. I can not be on this debt. I was only a child and have never signed onto this account.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-29
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'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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-07-30
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Last week, I applied for a streamlined VA mortgage refinance with my mortgage company, Wells Fargo. I was contacted by their representative, XXXX XXXX XXXX XXXX XXXX XXXX ext. XXXX 

XXXX told me that he believe that I would not qualify for a this refinance because it would not lower my payment enough for me to recoup the cost of the loan within a specified time frame. I instructed him that I would pay all loan costs out of pocket at the time and to submit the application anyway. 

I was contacted, yesterday ( XX/XX/2020 ), by XXXX. He told me the loan was denied for the reason that he gave me earlier. I have yet to receive anything in writing from Wells Fargo. I insisted that he ensure that I do. 

There are multiple problems with XXXX and Wells Fargo 's assertion : 1. I already said I'd pay loan costs out of pocket, meaning that there would be nothing to recoup within ANY time-frame.

2. My current payment is nearly {$1200.00} monthly. Wells Fargo 's own online mortgage loan calculator tool shows my payment would most likely be less than $ XXXX monthly. There's no way that I wouldn't recoup my investment even if I hadn't instructed XXXX that I would pay the loan costs up-front. 

3. I've already pre-paid approximately {$20000.00} on my current loan. 

XXXX XXXX and Wells Fargo are not just wrong, they are perpetuating FRAUDULENT banking practices. There is no way that what they are doing is unintentional or some kind of innocent mistake. 

Wells Fargo even refuses to reamortize my loan, taking into account the funds paid toward principal. When I questioned Wells Fargo about this ( well before I submitted for a refinance ) I was told that they COULD NOT do it, and that federal government guidelines prohibited it. I suspected that to be another outright lie as I've had VA loans my whole life and never been declined an reamoritization ( normally, the bank does it on it's own ). 

Why is Wells Fargo intentionally committing fraud? I suspect it is because of complaints I have made to regarding past fraudulent practices.
Consumer complaint received 2024-02-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TX)

In XXXX or early XXXX, Debt Recovery Solutions ( DRS ) contacted me, alleging I owed a debt. Despite my immediate denial and subsequent request for validation via a dispute letter, DRS failed to respond. Shockingly, in XX/XX/XXXX, they unilaterally placed a {$1400.00} debt on my credit report, severely impacting my score. Despite repeated demands for validation, including a certified letter sent on XX/XX/XXXX, which was received over XXXX days ago, DRS continues to ignore my inquiries, seemingly banking on my acquiescence. 

Adding insult to injury, they re-aged the debt on my report and reported missed payments on a closed account, further tarnishing my credit scorea violation under the Fair Credit Reporting Act. Despite reaching out to their compliance officer, XXXX XXXX, my attempts at communication have been futile. 

Upon diligent investigation, I uncovered DRS 's blatant disregard for Texan law by pursuing me without an active surety bond, a practice prohibited since XXXX. Their actions defy logicwhy pursue a debt that isn't mine and risk legal repercussions? I am resolved to report DRS 's misconduct to the Texas Secretary of State and Attorney General.

Preferably, I seek an out-of-court resolution. As a first step, I demand the immediate deletion of this erroneous account from my credit report, given DRS 's failure to validate it. I refuse to accept their claim without concrete evidence of ownership of the debt.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (AL)

This Company is reporting this debt that has been charged off by a third party. This Company also is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.I have not received any of these documents.I also never received a 1099c cancellation of debt form from the IRS.Not to mention they have violated my rights under code 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ).
Consumer complaint received 2024-03-22
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. (FL)

Theres some unauthorized hard inquiries on my credit report that I dont recognize. I never made any inquiries with those businesses. They did not get my permission to look at my credit. The credit bureaus violated my right and shared my credit information with those businesses. I contact the credit bureaus to try to dispute it, but they were not willing to help me. They violated the 15 U.S. Code 1679c - Disclosures
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HORIZON BANK (FL)

Hello, I have been back and forth with First Horizon Bank for a few months. 
My primary home was bought under the countys Homeownership Section 8 program, the county makes the payment directly to First Horizon automatically electronically every XXXX of the month. 
I reached out to XXXX XXXX XXXX they confirmed this information and told me I am not the only person this is happening to. They mentioned that they pay on the first but First Horizon is posting the payments late. 
I had XXXX XXXX XXXX send me proof of payments from XXXX which showed the payment being sent on the first of every month. 

For the Past few months, every first week of the month I get a notification from XXXX XXXX and experian that my payment is past due and no payment was received which ends up hurting my credit drastically. 
I have disputed on XXXX XXXX  and experian. 
I reached out to First Horizon they did fix XXXX and XXXX payment but there continues to be inconsistent information between all XXXX credit bureaus. I have been emailing with XXXX and he says the information is accurate but its not. Im attaching conversations between XXXX and I via email.
Consumer complaint received 2024-02-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC (PA)

SOURCE RECVB acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (GA)

XXXX XXXX XXXX XXXX XXXX are in violation of the following : 15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
XXXX XXXX XXXX XXXX XXXX has continued to report late payments on the consumers credit file. Despite its notice the debt amount reflects {$0.00}. 


XXXX XXXX XXXX XXXXNCB Management Services are in violation of the following : 15 1692c Title 41. Communication in connection with debt collection Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency. 

Consumer never consented or gave directly or indirectly permission for NCB Management Services Incorporated or XXXX XXXX XXXX to communicate with the consumer in connection with this debt. 

15 1692e Title 41. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

XXXX XXXX XXXX XXXXNCB Management Services Incorporated has continued to report late payments on the consumers credit file. NCB Management Services Incorporated, despite its notice to notify the Credit Bureaus to remove the item has continued to communicate the debt with the consumer. 



XXXX is in violation of the following : 15 U.S.C. 1681I failure to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information ... .. [ continued ] please see attachment " Request for Deletion 3rd Attempt '' 15 1692k Title 41. Civil liability These violations have been reported to the CFPB and this notice has been provided to all parties. The CFPB, by law, is responsible for protecting consumers from unfair, deceptive, or abusive practices and to take action against companies that break the law. 

XXXX, XX/XX/year>. The complaint filed on XX/XX/year>, with a resolution date of XX/XX/year> is still pending ; despite XXXX update to the credit file on XX/XX/year>. Restitution for the violations have not been received or communicated to the consumer through the CFPB or XXXX.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2021-10-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

Chime/XXXX finally sent my funds back to it sender a month ago but it took sixteen months to do so. Finally they sent it but when I called the senders they said " they don't see the funds ''. I called chime/XXXX  and asked them to give me the trace number but they still haven't not provided me with the trace number. My account was closed on XX/XX/2020 and it took them 16 months later to send it back.