davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

The lender failed to provide the detailed explanation required by Regulation X,  12 C.F.R. 1024.41 (  d ). of the denial of a loan modification- the lender has stated that due to an HOA foreclosure they will not review for a loan modification - there are no provisions stating that a review for a loan modification can not be completed due to out side factors such as the  HOA  FC. While the client is working on paying the  HOA  and working out an arrangement to do so we requested a loan modification review to be completed.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/year>24 I applied for a Capital One Secure Credit Card {$1000.00} was taken from my bank account and I was told virtually I was approved for this card. Going forward to XX/XX/year>24 I recieved my card in the mail. I called the XXXX number to activate the card I was transferred to a representative who informed me my account was closed on XX/XX/year>24 I asked when will I recieve my money back since your company cancelled my card and I did not recieve what I paid for or put a deposit down for and the rep responded with a few billing cycles a couple months. I spoke with a supervisor and asked same questions same answers and I found out that nobody at capital one can tell me why my account was closed but the inquiry stays on my credit report and I am out XXXX dollars until they decide they want to give it back to me.
Consumer complaint received 2023-02-02
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. (MI)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX LXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-04-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth third bank has added charges to the loan that do not seem fair. 
They have accessed late fees for no particular reason. They have given me credits and then reversed them for no particular reason. 
Online payments made on weekends are not credited until they create late payments on Monday. They make it very difficult to determine when timely payments have been made. Their phone agents are not well trained and can't answer questions. I believe there are thousands of dollars of unauthorized and unethical fees attached to my loan. When I question them, they do not give satifactory answers. Please investigate the entire history of my loan with them and force them to reverse the charges.
Consumer complaint received 2024-04-02
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my deep disappointment and frustration regarding the ongoing presence of fraudulent items on my account, despite multiple attempts to have them removed. Regrettably, I must bring to your attention the fact that this is now the third attempt to address and rectify this issue, yet the problem persists. 

The continued presence of fraudulent items not only undermines my confidence in your company 's security measures but also poses a significant threat to my financial well-being. 

I demand immediate and decisive action to thoroughly investigate these fraudulent transactions and ensure their complete removal from my account. Additionally, I expect transparent communication regarding the steps being taken to prevent similar occurrences in the future. 

I urge you to prioritize this matter and take all necessary measures to address it promptly. My trust in your company 's integrity and ability to safeguard my interests depends on your swift and effective resolution of this issue. With this, I am asking for your assistance to remove these XXXX items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, my wife and I was told by my account manager at Bank America that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX as ofXX/XX/XXXXand this was requested by XXXX XXXX XXXX XXXX The Investor request. As of XX/XX/XXXX to date since we are consistently being mislead we are asking for XXXX to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to XXXX
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC (FL)

I have had a brokerage account with E*trade.com since the early 2000 's. I just recently opened a guardian saving and checking account with E*Trade for my self and my father. In order for this bank to open these accounts I had to download a copy of my father and I drivers license. On the IDs you can clearly see we are both XXXX XXXX. After the accounts were opened, I deposited a check from my fathers XXXX account in the amount of over {$92000.00} to the newly opened accounts at E*Trade. E*Trade kelp the check on hold longer than the time frame listed on there website. They never given me a explanation for the long hold time. They called XXXX and verified the check with them then they released the funds. Once I started moving funds around into the different accounts they put restrictions on all the accounts. Once I called them to ask why the restrictions were there they lift the restrictions. I then tried to wire myself {$20000.00} from the account they put a restriction on the account and now they will not remove it. The only reason I can see them placing restrictions at all on the account is because my father and I are XXXX XXXX. They do not like seeing XXXX customers with this kind of money.
Consumer complaint received 2024-03-29
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: EQUIFAX, INC. (VA)

My information has been in several data breaches and I have had XXXX inquires on my account that I have no clue what they are. I also have put alerts on my account and still no one has taken any actions.
Consumer complaint received 2022-10-10
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: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in Experian. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? I have already disputed these items several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting these items. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification or Investigation. Now, I want you to REMOVE these items from my file like the other bureaus have done. 

XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
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: EQUIFAX, INC. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-03-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX does not have a valid enforceable contract. I timely reported the vehicle to be turned in when I was no longer able to pay the loan. Any monies, if they were ever received from the auction of the vehicle should have been applied towards the balance of the loan. I have no knowledge of auction or any results from my many letters and disputes. I disputed the debt many times and requested validation. I also requested the item be removed from my credit due to failure to properly validate. Equifax failed to conduct a proper and thorough investigation that I am entitled to and failed to review all the relevant documentation provided already in their possession thoroughly enough thus violating their duty under 15 U.S.C. 168ls-2 ( b ) ( l ) ( A ) through 15 U.S.C. 168ls-2 ( b ) ( l ) ( E ). 39. With the failure to request removal of the XXXX XXXX trade line stating " repossession '', my credit score, a benchmark for near all facets of life in today 's society, was artificially deflated. XXXX XXXX 's actions were negligent and willful and wonton. 

Equifax continues to report this negative tradeline despite the numerous requests for evidence to their investigation practices. No such documentation received.
Consumer complaint received 2024-03-29
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. (NC)

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 Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and 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 2024-03-24
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)

Hey hope all is well, I just viewed my recent credit report from XX/XX/XXXX and I discovered some inquiries, accounts and public records that I did not authorize and also have no connection to me, I have also attached the evidence in accordance to these erroneous claims. I am a victim of identify theft and would like these stated inaccuracies that have no permissible purpose to be on my report removed. All inquiries and accounts and other erroneous reports should be removed due to violation of 15 USC 1681b.

According to 15 USC 1681 : As the consumer I have the right to privacy and I did not give XXXX or ANY other bureau written permission to furnish these accounts. Also information furnished needs to have " Maximum possible accuracy '' XXXXXXXX XXXX  TransUnion XXXX.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

-On XX/XX/XXXX, I tried to deposit a check in the amount of {$8900.00} through Wells Fargo XXXX XXXX  and received and error message stating that I was over the {$5000.00} daily mobile deposit limit. 

So I went to Well Fargo Branch # XXXX XXXX to deposit the check along with requesting {$250.00} cash back from transaction. The teller gave me my cash and advised that there would be a temporary hold on the check but I will have access to all of the funds XX/XX/XXXX. 

I received a printed receipt showing that {$8700.00} would be delayed XXXX business days and that the date funds would be available is XX/XX/XXXX. 

XXXX XX/XX/XXXX I received an alert through Wells Fargo XXXX XXXX XXXX XXXX Deposit Hold Alert Deposit Date XX/XX/XXXX Deposit Amount : {$8700.00} Amount Delayed : {$8700.00} Hold Reason : Unusual Deposit Account Activity Date Funds Will Be Available : XX/XX/XXXX -As of XX/XX/XXXX, I still do not have access to my funds. I contacted Wells Fargo and was advised by ( XXXX ) supervisors that XXXX  XXXX XXXX was holding up funds. 
Then a second supervisor stated that the issue was with the company that issued payment. Which was flat out lies. 

XXXX  XXXX XXXX and the party that issued payment confirmed confirmation that the check cleared. They also provided the BOA Sequence # XXXX along with WF transaction/sequence # as XXXX. 

This has caused a domino effect my transactions and use of my checking account in an attempt to cause me to incur overdraft fees. Wells Fargo is being deceptive in their business practices and illegally withholding my funds.
Consumer complaint received 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (ID)

Referred my husband and business owner to sign up for business card for XXXX card referral bonus. I called chase twice to verify when the points would appear. They could not verify and stated it looked as if I would not get the referral. The only reason we opened the card was because the bonus points would make us eligible for the companion pass. We are getting the run around and being told to cancel the card and reapply with an additional hard credit hit. The lending department told us that they would decline the 2nd card application and that information didn't sound right. We have literally spent over 2 hrs trying to obtain the referral points and have been transferred to one unhelpful person after another. We are highly frustrated with Chase XXXX card and would like someone to call us back and give us the correct information and path to take. We have zero faith in the information we have been given over the phone and no longer have the hours to waste on the phone trying.
Consumer complaint received 2024-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

There is an inquiry listed from XXXX XXXX from XXXX  that I do not recognise listed on all three of my credit reports from XXXX XXXX and Transunion.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX NC XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2018-01-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX was suppose to be receiving payments under a debt program at a min payment of {$20.00}. The program messed up my payments and XXXX XXXX triggered an end to the program I was paying under and negatively reporting late payments to the credit score agencies when the account is up to date receiving payments.