davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

After several communications with Mr Cooper Mortgage  company in XXXX they finally removed the mortgage insurance ( XX/XX/XXXX ) from being collected from my escrow funds. My equity in the home was well above industry averages. 
Within 3 months after verifying by letter that the XXXXXXXX would stop it was added back in. When I complained and filed an internal complaint with Mr Cooper my mortgage was sold to another company without resolution. The new company XXXX mortgage continues to disburse the XXXX  from my escrow funds and this month XXXX, XXXX increased my monthly payment charging double. I have tried to resolve the issues by telephone and in writing to no avail.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

I notified Wells Fargo of unauthorized charges in the amount of {$330.00} They told me that my card was used! I ask for proof from Wells Fargo that my card was used on XX/XX/2023 and still have not received any proof of my card being used! Because I still have my card in my possession! These charges were in another state I was nowhere near that area! Ive never given anyone my card pin! Im on a fixed income I need this money! I didnt do these charges!
Consumer complaint received 2023-03-05
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. (PA)

In Accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 A. 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
Consumer complaint received 2024-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TN)

Citibank complaint : XXXX Citibank account number : XXXX Account holder : XXXX XXXX Description of problem : Citibank closed my account for no reason and refuses to allow me access to my funds. They have not given me assurances that I will ever receive my funds and if I do when I will receive my funds. They have also not given me assurance that I will receive my direct deposit that is scheduled to go into that account. Most of the money I own is in that account and I can not afford to survive without it. Over XXXX dollars is being withheld from me.
Consumer complaint received 2024-03-20
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)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention to and resolution of this issue are highly appreciated.
Consumer complaint received 2023-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Brock & Scott, PLLC (NC)

On XX/XX/2023 XXXXrock and Scott PLLC on behalf of XXXX XXXX filed a lawsuit to attempt to collect a debt not owed as a result of identity theft. On XX/XX/2023 XXXX XXXX attempted to validate the debt through case number XXXX regarding the account ending in XXXX. Through the debt validation process, XXXX XXXX confirmed the debt was a result of fraud and I was not responsible for the amount in question. The creditor, XXXX XXXX has removed this item from my credit report, but Brock and Scott still have a lawsuit and are continuing to collect on a debt that is not owed.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TomoCredit Inc. (FL)

First, they cancelled my credit card with no forewaning that the service would be interrupted due to them changing the product, that Id be required to PURCHASE if I wanted to remain a customer. Then, I purchased the credit building service, under the impression that it would immediately reflect on my credit reports, boosting my scores with all 3 bureaus. It did not! After I had spent over {$180.00} for 2 months, with no results, I requested a refund, which I never got. I requested to cancel the account, which they did not grant. They fraudulently continued to attempt to charge my bank account for a service that I was not receiving results from, which then resulted in the overdrafting of my checking account. My credit union has since closed my account because of a negative account balance, directly charged from XXXX and is now reporting negatively on my credit report and is still due. XXXX has since STILL been attempting to bill this card and I have the notifications to prove it. It has not stopped and its been already 30 days that my checking account has been closed, which speaks volume to the predatory practices they are implementing through their services.
Consumer complaint received 2023-10-06
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: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2023 I applied and was approved for a US American Express Bonvoy Business card by phone, specifically to take advantage of a bonus offer of XXXX XXXX XXXX points after spending {$3000.00} in the first three months. 

During the call I specifically asked the rep : am I eligible for the bonus? He said : " Yes ''. I asked again, are you sure I am eligible? " Yes ''. 

In XXXX I received the card and began using it. In XXXX, I hit the {$3000.00} total spend. However I did not receive the bonus even after three months of holding the card. 

So in XXXX, I called AMEX, and they claimed I was not eligible for the bonus, and would have been told that at the time of application. I requested escalation including reviewing that call. 

Today I called and a supervisor advised me that they had reviewed the call and apparently the agent told me I was not eligible for the bonus. That is a lie, and I even asked them twice, and was applying for the sole purpose of the bonus so would not have accepted and paid the annual fee otherwise. 

The offer terms and conditions are as follows. While the conditions are vague and apparently allow excplusion for unstated reasons, it does specifically state that the user MUST be informed of ineligibility at the time of application if this is the case, and I assert that I was not. 

For context, I do have an active and fairly well used personal XXXX XXXX AMEX. However I have NEVER had a XXXX business Amex. 

I consider this to be an ethical and legal breach and violation of the American Express terms of service. 

OFFER TERMS You may not be eligible to receive a welcome offer if you have or have had this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application. 

Welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXXXXXX XXXX XXXX XXXX XXXX  Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P. (NY)

I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcyXX/XX/XXXXunder file XXXX and put this XXXX XXXX XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX LVNV Funding LLC re ; XXXX XXXX XXXX
Consumer complaint received 2023-03-09
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 XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$20.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-03-16
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: Credit Karma (ID)

Received report from credit karma and found three medicial collections no my account. I disputes them of transuion and they were taken off. I waited of 6weeks and karma credit still reported them. I again called transuion and they told me today the were not on the report. Nophone number or answer form karma. I want them to delete the account not showing on my report. 

Thankyou XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.
Consumer complaint received 2023-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2017-03-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Well, basically my mortgage company wa s Countrywide Financial &amp; because  they &amp; many others were deemed guilty of securities fraud by  XXXX   XXXX , I have also deemed the financial terrorists because of their criminal actions leading up to the   XXXX   mortgage crisis, I have pretty much lost everything. My home, my marriage, my career. I used to earn on average  XXXX  per year. However because of the criminal acts of securities fraud by Countrywide and other financials, rating agencies, etc., etc ... My career as a broker of Federal Funds between banks, was directly pretty much wiped out &amp; I do have proof of this. So, why is it that my life was destroyed &amp; the criminals are allowed to still send me a  XXXX  &amp; or try to collect on the debt they turned toxic &amp; used to destroy millions of lives, families &amp; careers for decades to come ... Why is this ... In addition to them trying to collect on this toxic debt via debt collectors ... How can a criminal be allowed to sell this debt to a collector ... This debt should be deemed uncollectable &amp; the criminal bank or lender should have no recourse in collecting this debt &amp; or writing it off, as why should I receive a  XXXX  &amp; also owe taxes on the very debt that was used to destroy my life &amp; career. That is adding insult to injury ... Forget about the Mortgage Debt Forgiveness Act, as that my not be available to me when the toxic dust settles for me ... What I need is a full financial pardon from all my toxic debt that was rendered a weapon of mass destruction by these financial terrorists. That means from also not having to pay taxes on this toxic debt that was used to destroy everything ... Why should I have to pay taxes on this debt, when this debt already destroyed my life &amp; career on the first pass ... Please let me know what you may be able to do for me.
Consumer complaint received 2023-03-16
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SG and Associates (TN)

On XX/XX/2023, a female phoned me stating they were with a company name XXXX XXXX XXXX, phone number XXXX, where they confirming that a complaint was filed by me and I should have recieved a notice by mail I stated I do not know of mailing from such name company, at which time female talker insist that i provide personal information to verify my identiy. Thus I told her that this a scam and I am not willing to provide any information, as they have not provided to me what is the nature of this complaint in any details, thus I hung up phone, Later a close relative stated they were given a call asking about my whereabouts in order to obtain information, this person ask how does this involve me, their response was they were a reference, to which my relative response share they have no knowledge of, as well I do not have knowledge of giving information of them as a reference from a unidentified source
Consumer complaint received 2023-10-05
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 (CA)

I'm relatively new to onlins banking and I was trying to send my friend XXXX XXXX XXXX {$20.00} but I was having trouble trying to do the transfer myself and so I called the Chime number I got on XXXX and a person who was falsely representing Chime online banking answered and Said " Chime, how can I help you? '' I told him what I was trying to transfer {$20.00} from my account to XXXX XXXX and he told me to go to my online Chime account and He would walk me through the process and so I did what he was telling me to do step by step and he did 2 illegal transactions on my account the first attempt to XXXX XXXX XXXX denied but the second attempt through an email at XXXX was accepted and the person took {$410.00} all the money I had in my account on XXXX XXXX and I took screenshots of the illegal transaction but Chime denied my dispute. I still have all of the evidence I have 4 different screenshots I'm sending to you
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

This complaint is being made against FedLoan Servicing/U.S. Department of Education/Pennsylvania Higher Education Assistance Agency ( hereinafter collectively referred to as " FedLoan '' ). 

I submitted a check to FedLoan in the amount of {$9300.00}, which was cashed on XX/XX/19. Said  check was sent in an envelope with an accompanying note that explicitly stated how the payment was to be allocated between my nine outstanding loans. Specifically, the payment in question was to pay off the balance of three of my nine outstanding loans. These three loans were chosen because they have a substantially higher interest rates than the other six loans. Additionally, I wrote instructions on the physical check stating that payment was to be allocated between " Loans 1, 3 & 5 '' ( please see attached PDF file ).

FedLoan disregarded both the instructions on the physical check as well as the instructions on the physical check and proceeded to allocate my {$9300.00} payment in a random fashion to all nine of my outstanding loans. If this mistake is not remedied, FedLoan has effectively stolen hundreds of dollars from me by negligently applying this payment to my other six loans with far lower interest  rates. 

I contacted FedLoan by email on XX/XX/19 requesting that this issue be remedied but, to date, FedLoan has not responded.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

The problem is that I have inaccurate information reporting to my credit report thats affecting it negatively. I have my proof attached to this complaint also so please take the time to look over it
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-03-20
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)

I am a victim of identity theft. Someone opened ( 3 ) XXXX accounts with my information. This is fraud. The accounts are : XXXX {$94.00} opened XX/XX/2023 | XXXX  - {$110.00} opened XX/XX/2023 | XXXX - {$85.00} opened in XX/XX/202XXXX XXXX
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (NV)

I have been getting denied business credit and found out that my business can't be verified due to the fact that old information from old checking accounts with XXXX XXXX XXXX XXXX. I have called them multiple times and gave them updated info only to be told that the information never updated after I was told that it was and then they said supposedly the only way to update my old information to current information is to pay the old balances I owe, which frankly I don't understand. Does the system open up after I pay old outdated balances that magically allows them to update info?? The information reporting to LexisNexis is stemming from this company. My address and phone number is all I need to update.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?