davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

In XX/XX/XXXX I refinanced my home, the mortgage was sold immediately to Amerihome Mortgage. I received a letter in XX/XX/XXXX from Amerihome stating that I did not have home owners insurance on my property, and they were going to start applying forced insurance to my mortgage if I did not supply them with insurance for my property. I called them immediately and let them know that XXXX, XXXX Home insurance, was my Home owners insurance since I purchased the home in XX/XX/XXXX. They told me that they knew that XXXX was the insurance company on the home but they needed a new Declaration page. So I called XXXX/XXXX  the same day and they sent the Declaration page to Amerihome. I received another letter from Amerihome dated XX/XX/XXXX, that said this was my second and final notice that they were going to start charging me since I did not have insurance. I also received a letter from XXXX saying they had canceled my insurance because Amerihome did not pay them the premium from my escrow account. So I called XXXX/XXXX and they explained to me it had not been paid so I paid them the {$470.00} with my credit card. I called Amerihome again they told me that they had received the information from XXXX but it did not list them as the lien holder, I asked if I had XXXX send them the updated Declaration page would they refund my {$470.00} and they said yes. I called XXXX, and they sent the corrected Declaration page to Amerihome. I called Amerihome to make sure they received it and they said yes, I asked when I would receive my refund and they said a week to 10 days. I waited and never received the refund. I called Amerihome 2 days ago to see what the problem was, I spoke with a customer service agent and explained my problem, she put me on hold for 43 minutes and then hung up on me. Please help me.
Consumer complaint received 2020-04-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NJ)

XXXX online savings XXXX  Savings account will not let me close or withdrawal but verbally and in writing they reiterate over and over that you can. They go through great pains to pretend you can, but the money never shows up in ACH transactions or it arrives and pulls out the next day and the bank goes into negative debit. They are charging a maintenance fee of XXXX usd a month and its been a year and a half of them whittling me down with nickle and dime taxation. Originally I put in XXXX USD I think.
Consumer complaint received 2024-04-11
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (LA)

Open Date : XX/XX/2021 Close Date : XX/XX/2021 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank Of America XXXX XXXX For ATM withdrawals, and over drafting my account making me pay fees to bring account current. After being a customer for 13 years they closed my personal account for being hacked and not giving me a chance to refute the situation. These years cover XXXX to XXXX. I also have a business account that is currently overdraft with fees that hasnt been handled.
Consumer complaint received 2020-04-04
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: Experian Information Solutions Inc. (FL)

MY CLOSE FRIENDS OR FAMILY MEMBER USE MY INFORMATION WITHOUT MY CONSENT I WAS NOT AWARE OF THIS UNTIL THIS YEAR MY PERSONAL INFORMATION WAS USE I AM A VICTIM OF FRAUD!! am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (SC)

Since XX/XX/2019 Medical Data Systems has attempted to collect a debt of {$19000.00}. I have sent them validation letters and they have not responded back to me with appropriate information. This medical debt collection company has mishandled my credit reporting disputes and has prevented me from exercising important debt collection rights. These practices has highly affected the credit scores
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (LA)

Open Date : XX/XX/2021 Close Date : XX/XX/2021 I did not give permission to report this to anyone because I have a right to privacy, according to 15 USC Code 1681 Section 4.
Consumer complaint received 2020-03-25
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: EQUIFAX, INC. (FL)

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-03-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Mortgage servicing was transferred on XX/XX/2020 from XXXX XXXX XXXX to Carrington Mortgage services LLC through no choice on my own. Never had an issue paying my monthly mortgage payment through XXXX XXXX XXXX electronically. Carrington Mortgage services LLC charges an {$5.00} " convenience fee '' to pay electronically online each month. 

There is nothing stated in my VA mortgage origination documents that payments electronically would be subject to any type of fee to pay electronically. I called Carrington Mortgage services LLC to state that the {$5.00} " convenience fee '' is a RESPA violation as not disclosed in my mortgage or deed of trust. They stated the charge is justified.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, 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. (FL)

I have sent Transunion and XXXX  several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

Tranunion : 1. XXXX XX/XX/XXXX 2. XXXX  XXXX  XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX - XXXX   XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I received a text alert from Capital One about a possible fradulent charge, I immediately responding to the text that it was indeed fradulent. A couple of days later the charge was reinstated to my account as they " determined '' that I made the charge. Problem is this, the charge was made in person in XXXX, XXXX at a hotel. I made charges the same day, the day before and the day after from my home in Florida so there is no way I was in XXXX. I only have one card and it was with me at home in Florida. Capital one fraud guy says ... .good point but you're still responsible for the charge in XXXX XXXX I have my passport as well and there is no travel during this time to XXXX.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX reported to the Credit Bureau incorrect information. They reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both XXXX and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high XXXX 's score to low XXXX 's ( from Very Good to Fair credit ). Totally unfair to say the least.
Consumer complaint received 2020-03-25
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. (GA)

A complaint was filled to Equifax on XX/XX/XXXX in reference to a debt from XXXX XXXX. XXXX XXXX is reporting a debt that is not owed. In accordance with the FCRA Equifax had a duty to properly verify the information being reported by XXXX XXXX. Equifax never responded in the required 30 days. 

Equifax had until XX/XX/XXXX to respond with proof of the information verifying XXXX XXXX XXXX claim. They did not and in accordance with the FCRA this item needs to be removed.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am writing this due to non-compliance with the PORTFOLIO RECOVERY. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Consumer complaint received 2020-03-26
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. (IL)

I contacted the below creditors and they have No proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of my authorization nor any permissible purpose.

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681ib in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I had been calling Citicard for over a month before Covid19 because their site for business cards was not working, and I was unable to access my account. Everytime I called, they told me that they were working on the problem but could not tell me when I could get on line. I needed documents for a court case, and finally insisted that they mail me the copies overnight. They sent the copies after the date I needed them.

I sent automatic payments every week but did not know the status of my account and received nothing in the mail.

I started another round of calls as Covid19 hit XXXX XXXX XXXX, where I live. I had to shut own my business and wanted to get a forbearance and at least a temporary interest rate reduction. I called repeatedly and was told that there was not yet any policy in place. At this time the post office stopped delivering mail because of the crisis ' impact on their staff. 

I opened my mail today, XX/XX/XXXX, and discovered that not only had the card allowed overcharges and charged me a fee for that, but they increased my interest rate by more than double because of the overcharge and late payment!!!!! 

They sent a bill with these massive new add-ons and demanded that I pay double my usual monthly payment. 

I have spent hours on the phone with them only to discover that they not only did not help me, the consumer, despite the recent bill passed by Congress, but they charged me double and increased my interest rate. I assume they have also made a report to the credit bureau despite the government 's admonition.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NJ)

Navient reported to the Credit Bureau incorrect information. They  reported 2 late payments - XXXX and XX/XX/2018 creating a " 90 day past due '' when in fact both payments were electronically made. I have reported to both Navient and the Credit Bureau several times and still remains unresolved. This affected my credit score significantly, bringing it from high 780 's score to low 600 's ( from Very Good to Fair credit ). Totally  unfair to say the least.
Consumer complaint received 2024-01-03
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 want this inquiry removed from my credit report. I sent FTC to this company and they still have not taken this off my report. Under law I ' am now seeking damages as this matter has caused me stress.
Consumer complaint received 2020-03-26
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. (FL)

I HAVE SEVERAL ACCOUNT I DO NOT KNOW ABOUT THEY WERE OPEN UP FRAUDLENTLY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (LA)

I was the victim of fraudulent transactions to my Chime checking account ( I believe via debit card ). I received texts alerts while at my job with my debit card in my possession asking if I authorized the following charges : {$1000.00} at 'XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$1000.00} at 'XXXX XXXX  # XXXX XXXX XXXX ' on XX/XX/XXXX ( to which I responded " No '' ) {$56.00} at 'XXXX XXXX XXXX XXXX ' on ( to which I did not respond ) After I responded " no '' on the first fraudulent charge, I was assured via the text message alert system with Chime Bank that " The transaction was blocked and no funds have been taken from your account. If you believe your card was stolen or compromised, please disable transactions in the Chime App and request a new card from the settings screen or call XXXX '' However, another charge was placed and I received the same alert to which I responded " no '' and received the same supposedly re-assuring message stating that the transaction was blocked and no funds were taken. I took the appropriate action and disabled transactions and ordered a new card. However all of the money was taken anyway via these transactions above, and in total below : In total, the following charges ( in North Carolina and California ) were unauthorized and made and posted to my checking account while I was at my place of employment in Louisiana ( including three of the transactions above : XX/XX/XXXX : {$1000.00} at XXXX in XXXX, North Carolina XX/XX/XXXX : {$2000.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} at XXXX in California XX/XX/XXXX : {$2.00} at XXXXXXXX XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$1300.00} at XXXX XXXX in XXXX, North Carolina XX/XX/XXXX : {$10.00} XXXX XXXX XXXX in North Carolina XX/XX/XXXX : {$22.00} at XXXX XXXX XXXX in California I called multiple times and emailed them multiple times in which I was notified that an investigation was open and that a credit would be sent to my account, but I was notified by Chime even after appealing and reopening the case with them providing proof of my hours at work in Louisiana showing that I was at work during the time of these transactions and NOT in XXXX, North Carolina, XXXX, North Carolina, nor California at the time of any of these transactions. Ultimately my account was closed by Chime and I NEVER received any of my money back for these fraudulent charges totaling {$4300.00}.
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/2020 my Bank of America card was closed. I had {$3200.00} in my account when it was closed and my money was removed. I have tried endlessly to get this money back. I guess my account was flagged as fradulent. I have called AZ DES, emailed XXXX XXXX 's office, XXXX XXXX to no avail. I had a contact at DES who would actually call me back. Now I am afraid she is gone - I have called 4 times and no return call. 

I contact BOA and was told that it was AZ DES who had to fix this problem. AZ DES also told me it was BOA who had to fix this. It is now XX/XX/XXXX and I think 5 months is just ridiculous with no answers. 

I have attached a copy of my statement from BOA showing the deduction and closure of the account.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2022-11-30
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.