davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had a claim dispute going since XX/XX/XXXX. On XXXX XXXX my claim was closed for some mistake made on behalf of XXXX BofA categorizing me with all other fraud accounts and individually based on my account situation but I complied with their request to get clearance of my name with XXXX and report back to them when I had clearance. I did that and was sent to bank of america fraud department and they also had no negative reports on me and sent me back to claims as well clear from any fraud activity and my claim dispute was then reconsidered and opened along with being escalated to the top of their priority for review and it is now XXXX XXXX XXXX and I have moved no further than I was last year and I sent in FTC REPORTS, POLICE REPORT and Documented proof I recently discovered on my own connected to my identity verification with XXXX showing different IP addresses connected to my information trying to claim my identity and the IP addresses lead back to an address of someone related to my fathers family that has been committing identity theft and fraud with my personal information and account as well as my fathers account. With all this proof and being told I am getting my provisional credits and then told I don't qualify for my provisional credits and then that I do is getting ridiculous not to mention the losses I have had to endure from this problem with my dog XXXX because I was not able to access funds at one point when my dog relied on me to pay her medical bills and treatment to be ok and I couldn't and we were turned away only to have my dog die on me hours later in the day. I have done more than enough on my part to clear my name, provide proof of identity theft and fraud being committed, have patience as I am constantly being yo-yoed around with back and forth answers and losing my best friend being one of the hardest parts of all of this just to still be no closer than I was the first day XXXX reported my claim and not getting any answers except that I will get my provisional credits and then a few days later no that I won't and they can't tell me anything. I just need someone to help me and have no idea as to what else I need to do to be heard and get results.
Consumer complaint received 2023-05-18
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. (KY)

in accordance withe the fair credit reporting act XXXX  acct # XXXX, has violated my rights 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: EVERBANK, NATIONAL ASSOCIATION (AZ)

I am a XXXX XXXX. I work for a XXXX XXXX XXXX  with no retirement plan. 

In XXXX XXXX  opened an online IRA account at TIAA-CREF. After a few trial debits, {$1000.00} was ACH debited from my checking account XXXX at XXXX XXXX to fund my retirement IRA. The debit was performed XXXX electronically. 

They mailed my deposit to me and denied opening my account in XX/XX/2022 for unknown reasons. 

I mailed the undeposited check of my funds BACK TO THEM VIA FIRST CLASS USPS along with proof of my address and identity. 

As of today, XX/XX/2022, my online account at TIAA CREF shows a XXXX dollar balance. It seems maybe TIAA CREF has lost their own check, and in the process, the {$1000.00} they took from me to set up my IRA. Please investigate and correct ASAP.
Consumer complaint received 2021-01-06
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. (LA)

On XX/XX/2020 I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of Equifax Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.
Consumer complaint received 2024-02-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (LA)

My Mortgage was sold to SLS Mortgage XXXX XXXX out of XXXX Colorado, at the end of XXXX. Since they took the loan over, they have been double charging me for escrow. My payments should be based on the taxes and insurance owed, and they are doubling it. Escrow should be based on the YEARLY totals and divided into XXXX equal payments, any shortages would be due to an increase in either insurance or taxes due. My taxes and insurance have both recently gone down, and I am still paying double escrow. I contacted them in XXXX of XXXX, XXXX, XXXX, XXXX, and XXXX by phone. Nothing has been done towards the correcting of my escrow payments. I have sent a written request in XXXX of XXXX and have received a letter that they are reviewing it. It's been well over 30 days, and it doesn't take 30 days to take XXXX invoices and add them together and divide by XXXX! This company has already been fined for mischievous behaviors, and apparently believe they are not required by law to follow Mortgage Lending Laws. I sent a check in XX/XX/XXXX for a total of {$2100.00} for ESCROW payment only, and of course they misapplied the payment ; still haven't corrected the escrow, haven't complied with my request for a corrected Escrow Analysis. PLEASE HELP!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-06-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Lendmark Financial Services (NC)

On XXXX XXXX, I contacted Lendmark Financial Services to payoff the vehicle loan. The payment was made with XXXX in which XXXX did not communicate any company policies during the process of the payment. The payment was made and was posted to the account as well as cleared from my bank. I called over and over and over requesting the vehicle title securing the collateral of this loan in which Lendmark Financial Services refused to release the title and the lien on the title. They advised that their policy had a waiting period of 10 days, then I was told 14 days. I advised every representative that I spoke with ( on a recorded line ) that Lendmark Financial Services will be responsible for a Fee in the amount of {$250.00} per day until they release the Title and the Lien on the title for the vehicle that is securing the loan as Collateral. All representatives ( on a recorded line ) agreed to the charge. The title was received on XX/XX/2022, therefore Lendmark Financial Services is required to pay the invoice in the amount of {$8500.00} ( 34 days at {$250.00} Per Day. )
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (CA)

I have been charged inactivity fees on 3 US Bank gift cards, each had {$50.00} dollars. Gift card numbers ended in XXXX, XXXX, XXXX. I was charged fees until the balance was {$0.00} dollars. 
I reached out to US Bank, to explain my situation and I received a letter stating they will refund each of my cards one years worth of inactivity fees, {$24.00} dollars back to each card. The letter requested that I submit photos of my gift cards to a Us Bank email they provided so that I can get my money back. 
I have not heard back since XX/XX/2020. I contacted the email 2 times, all I ever received was a reply to call a customer service phone number. I called and was told to call a different number. I called and they said there is no record of this email address or my giftcards. I was told there is no email address they have or dept for giftcards that I can forward a copy of my letter to. I was put on hold for more than a hour and nothing was resolved.All they did was give a mailing address and told me to write in about my problem. 
I feel that they are giving me the run around and making the process of returning my money very difficult. Its bad enough I lost my money through inactivity fees and that they are only willing to return a portion of the original amount. My cards have not yet expired by the way, the date is still valid. But to make it this hard to get back a small amount of money is ridiculous. This makes me feel like this whole company and their operation is a scam. How can it be that a company this big has no email address to contact? Honestly, to sell a giftcard and have the consumer spend money on it, only to have the money taken back through fees is bad, but to make it this hard to be able to reach the right dept is unbelievable. Terrible, terrible customer service. Never had a problem with any other giftcard like this.
Consumer complaint received 2024-02-15
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: JPMORGAN CHASE & CO. (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2021-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

My credit card account has always been up to date and in good standing. Bank of America has closed it without my consent and did not disclose why. I want my account re-opened and I do not want it to harm my credit score in the process.
Consumer complaint received 2021-01-04
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: Paramount Recovery Systems, L.P. (GA)

I have contact the company multiple times letting them know I have never done business with their company nor the company that they are reporting for. They have advised me that it would be removed from my report but they continue to report the information
Consumer complaint received 2021-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

Account was disputed on XX/XX/XXXX. Account has failed to be removed. Spoke with agent on XX/XX/XXXX at XXXX XXXX and was provided a fax number of XXXX to provide identity theft documents and was reassured that my dispute will be processed within one business day.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MO)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 A section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2021-01-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My latest request XX/XX/2020 for an investigation into inaccurate reporting of two account. 1. XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX. 
Both of these account have inaccurate payment status reporting it says Late 120 days late when in fact that can not be possible since this account is a closed XXXX balance account. 

I have yet to get a response.
Consumer complaint received 2020-08-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (MN)

Applied for refinance on USBank.com and got assigned to a mortgage loan officer XXXX XXXX NMLS # XXXX. He emailed some refi terms and when I asked for loan details & fee he refused to provide them.
Consumer complaint received 2024-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

Recieved in mail XX/XX/2024. Debt collector " Midland Credit Management " Original Creditor " XXXX XXXX XXXX XXXX XXXXXXXX '' Balance due XXXX XXXX I called and made a fraud claim, card was issued in another state. The bank and the state the card was issued to are no where near where I live.
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

Hired XXXX firm on XX/XX/XXXX of XXXX, who is an organization that works on credit repair. They have been challenging and disputing information with the 3 credit bureaus, XXXX, equifax and XXXX. Still the bureau is refusing to remove, which the items are past the statute of limitations, which are the following : XXXX XXXX XXXX. Account number XXXX opened XX/XX/XXXX reported type 120+ day late payment and XXXX XXXX XXXX  XXXX opened XX/XX/XXXX reported type 120+ day late payment which are past the statute of limitations.
Consumer complaint received 2021-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In the ending months of XXXX I was having problems paying my mortgage. the bank who holds the loan is XXXX XXXX. Since i was late in payments i received a letter from XXXX XXXX stating that they were going to foreclose on the property. At the beginning of XXXX I enquired about a loan modification which they said they could do. Since we were on the verge of foreclosure I assumed that whatever they offered we had to accept. At the time of applying for the loan modification my mother ( XXXX XXXX ) had title to the house.This house is a mother/daughter type, I live on 2nd floor, mom lives on 1st. On the loan application my income was considered in calculating the monthly payments. My mother passed away 5 yrs ago ( age XXXX ) and now i am executor. By the end of XXXX the loan was finalized and on XX/XX/XXXX or around that time we went to the bank to sign the loan documents. The loan officer informed us of the amount of monthly payments and that the loan would have a 40 yr term for XXXX, which i thought was unusually long term for that amount. like i said previously, i assumed we had to take whatever they offered or they would foreclose. In my loan statements the monthly payment to the principle is less than {$100.00}. I think it is outrageous that they made us accept a 40 yr term. I'm planning on moving in a few months so refinancing is not an option, what i would like is to get credit to my loan for a good part of the interest ive been paying. attached are some documents. Contact me if you need any other info.
Consumer complaint received 2024-03-19
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. (TX)

I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In Accordance with the fair credit reporting act, These Creditors : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX and XXXX XXXX... VIOLATED my rights under 15 U.S.C 1681 Sections 602 States, I have the right to privacy. 15 U.S.C 1681 Section 604A section 2, It also states a consumer reporting agency can not furnish an account without MY PERMISSION/Written Instructions. Under 15 U.S.C 1666B, A Creditor May NOT treat a payment on a credit card account under an open and consumer credit plan as late for ANY purpose!
Consumer complaint received 2024-02-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (CA)

Unresolved Issue and Continuous Payments for Undelivered Laptop - Immediate Attention Required I am deeply frustrated and disappointed with Affirm 's handling of my payments for a laptop I purchased on XXXX Monday ( XXXX ) but never received. Despite my repeated attempts to resolve this issue with both XXXX, XXXX and Affirm, Affirm has continued to process payments as if the transaction was successful. This situation is unacceptable and demands immediate attention. 

On the said date, I was home all day, working from my apartment, yet no attempt was made to deliver the laptop directly to me. XXXX claims a delivery was made and even alleges a signature was obtained, under the name " XXXX, '' which bears no resemblance to my actual signature. They have failed to provide any proof of this supposed delivery. My numerous calls to XXXX, XXXX and Affirm seeking resolution have led nowhere, leaving me to unjustly pay for an item I never received. 

This ongoing issue has forced me to purchase another computer, incurring additional unnecessary expenses due to the initial undelivered item. Living in a small apartment building in XXXX, California, which requires a customer 's signature for package deliveries, it's baffling how such a mistake could occur. XXXX 's delivery practices, especially in apartment settings, are clearly flawed, yet I am the one facing the consequences. 

I demand that Affirm halt all further payments until this matter is resolved satisfactorily. I expect a thorough investigation into this issue, a full refund for the laptop that was never delivered, and an apology for the inconvenience and stress caused by this ordeal. It's time Affirm took responsibility for its role in this situation and provided the customer service and support that I, as a customer, am entitled to. 

Your immediate attention to this matter is not only expected but required. I look forward to a prompt and fair resolution.
Consumer complaint received 2021-01-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (LA)

on XX/XX/2020, I seen and filed disputes with CCS Collections, XXXX, XXXX, and XXXX XXXX XXXX for alleged debts of ( XXXX ) that i do not owe.This is damaging my credit from getting a car and obtaining credit. I asked them for certain things showing the validity of the alleged debt and has attached copies below.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (FL)

I called US Bank and told them I would like an extension to pay my XXXX and XXXX payments and they granted me an extension until XX/XX/2024 ( see attached ). 
I paid both payments on XX/XX/2024 ( see attached ) and they have reported me 60 days late to all XXXX credit bureaus and more score has dropped XXXX points as a result ... just a the time I am trying to re-fi and take some cash out, which I do not qualify for anymore as a result of theirs actions about this extension!
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (MD)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2024-02-09
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: CITIBANK, N.A. (NY)

In XX/XX/2023 and hard inquiries appears on my credit report from a company name CITI RETAIL SERVICES- US I dont recognize this at all I would more then like it be remove thank you
Consumer complaint received 2021-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-10-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK (CA)

I have been been paying more than the minimum amount on my HELOC account with TCF Bank and instead of the principal decreasing it has been increasing. I have tried to contact the bank through e-mail and phone with no success. I have asked for detailed statements on the account but they have failed to correspond. The Website account shows no information on my account or detailed statements and the same is true for the mailed statements. Recently the TCF has changed my account number to a new account number and also changed the Web site where the payments are made. 

XX/XX/2020 : Payment of {$1000.00} Confirmation # XXXX XX/XX/2020 : Payment of {$650.00} Confirmation # XXXX XX/XX/2020 : Payment of {$550.00} Confirmation # XXXX My balance in XX/XX/2020 was {$100000.00} My balance as of today is {$100000.00}