davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My name is XXXX XXXX, and I have applied for a mortgage loan with Bank of America back in XX/XX/2019. Loan # XXXX I was almost done with the Loan process. Mr. XXXX XXXX was the loan officer in XXXX TX at XXXX XXXX branch. I was charged for appraisal fee by Bank of America in the amount of {$610.00}. They paid the appraisal company only {$320.00}. Due to the problem with title company they cant process the loan. I have been trying to contact every one in Bank of America to get my refund on appraisal fee if not full atleast the amount they did not pay to the appraisal company. No one is replying or helping me out. I am the only one earning in my house and every penny matters in my household. I dont want to loose my hard earned money like this. Please get them paid my money back.
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

One of the Bank of America 's Mortgage Loan officer offered to refinance my mortgage loan that I had with XXXX XXXX at better rate of interest for 7/1 ARM around XX/XX/2019. She told that I need to pay the fees that cover the credit report fee and appraiser fee and will be completely refunded. Since this is my first Refinance of my first Mortgage loan, I am not completely aware of the process and asked her before paying the amount, whether the amount I pay for the credit report fee and appraiser fee will be completely refunded for what ever reason or not? And she said " Yes '' and I can completely trust her and told me to sign the document online and not to worry  about it as it is a general formality to start the loan application. On her assurance, I signed the document. 

So, I payed the amount using my BoA creditcard. The loan was approved but the appraiser appraised the value of the home very low by using the improper homes in that area, some of them were fixer upper, homes that didn't get sold for months and home from non preferred locations. Because of this the Bank of America didn't Refinance my loan and now the Mortgage Loan officer say that she can not refund the fees I paid, which she promised to refund for sure. 

Few weeks later, I got the same Mortgage loan Refinanced by XXXX XXXX. 

BoA has wasted my time and money and gave lot of trauma to me for not refinancing the loan by giving false promise by its Loan officer. 

Please help me get my money back.
Consumer complaint received 2023-05-24
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: Experian Information Solutions Inc. (MO)

Im submitting 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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This complaint is about the cash advance fee I was charged for the payment I made to the Virginia Department of Tax. On XX/XX/2019, I used my BOA premium card to make the payment of {$10000.00} and later found out that I was charged for cash advance fee. I called BOA on XX/XX/XXXX and questioned the transaction. BOA told me that the credit card processor provided the wrong code. However, they could not explain, even that the case, why the transaction went through because I only had a {$300.00} cash credit line on my BOA premium card. The supervisor, XXXX, said they could turn it into a purchase but asked me to contact the merchant first who may able to fix everything. She also gave me her direct line and promised to follow up. It never happened. In fact, after contacting the merchant who admitted they messed up, I called back BOA multiple times and left three voice messages for the supervisor from XX/XX/XXXX to XX/XX/XXXX. I never heard back from them. I talked to another BOA supervisor on XX/XX/XXXX who refused to provide any help, claiming it is their courtesy to approve large transactions even if you have low cash credit line. However, this is against their statement when I lowered my cash credit line because they told me I could not make any cash equivalent transaction over {$300.00}. 

It is unreasonable because the cash credit line is supposed to help the consumer avoid cash advance fee. It does not make any sense that a reasonable consumer sets up a very low cash credit line ( {$300.00} ) on his credit card and would have such an extremely high amount of transaction ( {$10000.00} ) get approved. They  should never approve a transaction at their will so they can charge clients high cash advance fees.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

On XX/XX/XXXX, I applied for and was approved for the American Express Aspire card. The card offered XXXX bonus points after spending {$4000.00} in the first three months. I met the spend on or before XX/XX/XXXX. On XX/XX/XXXX, my first statement cut and my statement shows that I earned the points, but American Express refuses to give me the points earned claiming my account is under " review '', but no where can I find out what " review '', they are undertaking. As far as I know, I have not violated ANY program terms or provisions, yet I have NOT received the bonus advertised. 

On XX/XX/XXXX, my second statement closed and despite earning the bonus on a previous statement, American Express continues to hold my points hostage. 

I called AMEX today, XX/XX/XXXX and after holding for almost an hour, I was advised that my points are pending but since I opened three cards from Amex ( none affiliated with XXXX ) in XXXX and XXXX and closed them, they are holding my points hostage. They also informed me that they MAY or MAY NOT give me the points offered when I initially opened the account. 

This is ARBITRARY and CAPRICIOUS and goes against contract law. I wasn't informed PRIOR to opening the Aspire card that I wasn't eligible for the bonus. I wouldn't have applied if that was disclosed BEFORE I spent over {$4000.00} on an AMEX card. 

I want the contract terms I entered into when I opened the card enforced. 
Thank you.
Consumer complaint received 2020-01-10
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 — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MN)

When I pull my credit report my name is always spelled incorrectly. In the past I was a victim to identity fraud. My name is XXXX XXXX. When I get credit reports back from each bureau they spell my name XXXX XXXX.
Consumer complaint received 2020-01-10
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

As I investigated my credit report, I found out that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), kindly investigate this unverifiable account : XXXX XXXX XXXX XXXX Balance : $ XXXX-I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

The company is passed validation period of 30 days to validate and or verify the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times. The collector is using a letter and statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from disputes and my attempts to have this debt verified and validated. I also have attached my Validation letter dated XX/XX/2020, again.
Consumer complaint received 2020-01-10
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. (LA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion report . This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2020-01-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Inaccurate information from XXXX is being reported to you all which is inaccurate and needs to be removed from report immediately. XXXX as the data furnisher has willfully continued to violate my rights reporting inaccurate information on my consumer reports. I am filing again with the CFPB to get this matter resolved.
Consumer complaint received 2020-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inaccurate information from XXXX is being reported to you all which is inaccurate and needs to be removed from report immediately. XXXX as the data furnisher has willfully continued to violate my rights reporting inaccurate information on my consumer reports. I am filing again with the CFPB to get this matter resolved.
Consumer complaint received 2020-01-10
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 — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (UT)

XXXX XXXX XXXX  re-inserted multiple account information back on my consumer report. Has failed to provide how Wells Fargo verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.
Consumer complaint received 2020-01-10
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 — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (UT)

Early warning system re-inserted multiple account information back on my consumer report. Has failed to provide how XXXX XXXX verified fraudulent balances and information. Provide the physical documentation that was given that complies with the law under the FCRA that allows you to re-insert the information. Otherwise promptly delete the information back off of my consumer report.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: PENNYMAC LOAN SERVICES, LLC. (LA)

Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a pharmacy that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from my credit report.
Consumer complaint received 2018-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX pulling my credit XXXX XXXX XXXX transunion and XXXX   having isssue removing my fraud alert with all 3 's XXXX, transunion, and XXXX  ftc law was put in place to have this done in 1 hour of the request read ftc guidelines XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 
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 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have had my 5th/3rd bank account for 1 year and 3 months as of this writing. Never been late with a payment. I transferred almost XXXX worth of balances to said card to open the account. Paid off the balance and use it every month for my cell phone. Minimal usage with perfect payment history. Now as of last week, the end of 2019, they have taken my XXXX limit and reduced it to XXXX. Hurting my credit score in the process. Lowering my available credit and increasing my credit usage. I called for a reason and they said it wasn't a mistake and that " some '' people had been labeled risky. I asked why i was risky due to my history with them. They said my personal history had nothing to do with the decision. That my credit score did. Mind you, i had been trying to buy a house and my mortgage company had pulled my credit a couple times. They said this is likely the reason but could not be sure due to privacy. 

TL/DR : Have a perfect payment record and use the card every month at 5th/3rd and they will reward you with a lower limit. My recommendation is to stay away from them as they treat their customers like garbage.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

In accordance with the Fair Credit Reporting Act Experian along with XXXX XXXX XXXX XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section C-2. States that any information that is a result of identity theft be blocked within 4 days of receipt 15 USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 611 States there must be verified accuracy 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instruction 15 USC 1681 a q 3. States identity theft means fraud committed using the identity information of another person
Consumer complaint received 2023-03-03
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: JPMORGAN CHASE & CO. (WI)

I recently applied for a chase freedom flex card. After several weeks of waiting for the results, I never heard back from the company. After realizing they did a hard pull on my credit report, I called the company back and they found my application. After reaping there mistake and accepting my account, the did a second credit inquiry on my account for the same application.
Consumer complaint received 2023-04-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (TX)

During COVID I requested assistance with payment forgiveness and or options for reduced interest/pay off assistance. The relief was not an option & interest, fees, and payments have increased exponentially in over two years. The line of credit has not charged off despite no payment to account. As well, Ive sent several emails for call back from management or supervisory account managers, Null. I have had conversations with representatives, was met with very rude and condescending push back. Overall, I have an amount thats doubled that the company wants me to pay. At this point my credit has been severely diminished with each monthly hit from net credit. To no avail no resolve.