davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-18
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: CITIBANK, N.A. (IN)

I have XXXX cards with Citi and have been with them since XXXX. Over the last year they keep decreasing my credit limits even though I havent been late, havent maxed out my credit limit and usually pay more than the minimum. With them doing that it has drastically lowered my credit score and makes it look like I am over obligated. They havent given me a good answer why.
Consumer complaint received 2024-04-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was paid for services rendered with {$150.00} prepaid card from Bank of America with an expiration date of XX/XX/24. I called Bank of America to get a new card as I hadnt used the money and I was informed that once the card expires, there is nothing that can be done. This should be illegal since they have already been paid by the company. I asked if I could pay a fee for them to reissue the card and I was told no. Please help.
Consumer complaint received 2023-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (DE)

As of XX/XX/2023, Experian has negligently deleted my XXXX XXXX XXXX XXXX credit card accou.nt and has denied all allegations to have done so. As a result this has negatively affected my credit health, being my credit history as well as credit limit has been wiped from my credit report. Account # : XXXX. 

Dispute Report # : XXXX I was told by Experian agents to reach out to my furnisher, with whom assured me my account was still open and active in their system. I have attached pictures of such deletion for reference as proof that they made a horrific error.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (CA)

This is a year long attempt trying to resolve the ERRONEOUS reporting done by XXXX XXXX XXXX XXXX XXXX I have provided XXXX months of payment history from my bank account confirming that all payments were paid on time, never XXXX days late. 
I need help, please! 
XXXX and XXXX XXXX
Consumer complaint received 2023-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VI)

SUBJECT : USAA Federal Savings Bank & stolen funds via fraud To whom it may concern : United Services Automobile Association ( USAA Auto Insurance ) is wrongfully holding me liable to pay {$820.00} from a fraudulent USAA Federal Savings Bank checking account fraud, and ATM card thief that was protected by bank policy, and regulation that did not hold me liable. USAA Auto Insurance refuse to give me auto insurance until I pay back the {$820.00} which was the amount of loss from an allowed individual fraudulently deposit counterfeit money orders with my stolen ATM card. USAA Federal Savings Bank has always reported to me that I do not owe anything from that fraudulent transaction and thus my account is clear and free from debt owe ; however, USAA Federal Savings Bank did not replace my personal funds that were taken in lieu of at least XXXX fraudulent money orders in the amount of {$800.00} ( or {$400.00} each ) and this is where USAA Auto Insurance is holding me liable and will not give me auto insurance until {$820.00} of that debt is paid. 

I am seeking to file Formal Complaint to the Consumer Financial Protection Bureau and the Georgia Insurance Commissioner about USAA Federal Savings Bank & USAA Auto Insurance holding me liable, unwilling to provide auto insurance to me on the basis of this fraud that their Banking Company did not correctly resolve by not replacing my {$800.00} of personal funds taking during their bank fraud. My funds are still missing in USAA Federal Savings Bank and I am held liable in United Services Automobile Association for monies that should have been in my account to cover their {$820.00} sought for my reestablishment of auto coverage they are refusing to give me. 

This behavior to deny replacing my stolen funds and then allow me liable for that account deficit in your auto insurance division is scandalous at best. 

REFERENCE : Consumer Financial Protection Bureau complaint file # XXXX XX/XX/2023
Consumer complaint received 2022-10-28
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. (NY)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
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. (MD)

This is my third time requesting 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRSTBANK PUERTO RICO (VI)

I went into my local branch to close my checking and savings account listed above. I was charged {$50.00} to close my savings account and hereby demand a refund. 

I closed my savings account today, Friday, XX/XX/ after First Bank repeatedly breached our depositor agreement. 

First Bank failed to operate functional ATMs in XXXX XXXX XXXX on at least 5 occasions in the last two months. When First Bank does not have a functional ATM to withdraw cash, it leaves me unable to access cash, in violation of our depositor agreement. 

First Bank fails to keep offices open during posted hours, fails to answer phone calls or even offer a local number or transfer to a branch, and fails to provide explanation as to why the XXXX, XXXX branch is regularly and inexplicably closed during regular business hours ( most recently on XXXX XX/XX/XXXX XXXX  when I attempted to conduct banking business ). 

My active debit card does not work at Point of Sale. This is a constant problem, resulting in not being unable to utilize the cash in my accounts. I can not run it as a credit, I can not run it as a debit and enter my pin, it does not work. First Bank denies this occurs, and has made zero effort to fix it. My husbands card works occasionally, but also declines regularly for reasons not due to lack of funds. 

When my debit card does not work at POS, I have to use an external account to access cash outside of First Bank. When this occurs, I attempt to transfer funds from my First Bank account into my other accounts. When I have attempted to do this, I discovered that First Bank advertisements for easy transfers is misleading and false. 

I can not make a transfer by telephone, and I can not make a transfer by mobile app. I was told by two customer service agents by phone on XX/XX/ that the ONLY way to make a transfer is to use a computer and Internet. I do not have access to reliable internet and do not always have access to a computer. NOR DO MANY XXXXXXXX XXXX 

I was told First Bank had phone banking and mobile banking, ATMs and branches, but this does not permit a reasonable account holder to access their deposits because they are broken, closed, and non-functional. First Bank advertises by large oversized posters that they offer easy transfers. This is false. The agent I closed the account with on XXXX XXXX also claimed I could transfer by App, which is false. They are actively misleading customers. 

When I have used the toll-free telephone system I have been hung up on, treated rudely, and denied the opportunity to make a complaint by phone prior to closing my account. First I was hung up on, and when I called again I was put on hold until the system disconnected me. 

Despite your repeated breaches of our depositor agreement, you charged me {$50.00} to close my account because my account isn't a year old. I do not owe First Bank a penalty because they have failed to honor their depositor agreement. I hereby demand a refund of this fee.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX
Consumer complaint received 2020-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

What is this complaint about? 
Refusal by PHH Mortgage services ( PHH ) to evaluate my loss mitigation application stating I did not reached out to them six months before the Mortgage Ballon and their refusal to release the investor ( s ) related to the loan. 

What type of problem are you having? 
The PHH Mortgage Services Companys ( PHH ) refusal to look at, and properly review my application for a modification insisting that it should have been submitted six months before the ballon became due. However, when I reached out to PHH on XX/XX/2020, I was told that it was too early to determine any course of action and I should contact PHH in XXXX or XX/XX/2020. 

What happened? 
On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank. 

A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a XXXX Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them. 

On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then. 

On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.
Consumer complaint received 2023-03-15
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)

In accordance with the Fair Credit Reporting Act.List of accounts below has violated my Federally Protected Consumer Rights to privacy & confidentiality under 15 USC 1681. 

Account Name 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 1

5 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than sever years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-03-17
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: EQUIFAX, INC. (FL)

I sent my last letter on XX/XX/21 about unknown and inaccurate accounts on my credit report. It has been 60 days and I have not received a response yet, and the last time I called I was hung up on. 

I am tired of being taken advantage of and being ignored. 

Section 611 ( a ) says that a failure to investigate these items within 30 days is a reason for deletion. It has been far past 30 days. 

I'm also sure my info was breached in the Equifax data breach and got in the hands of the wrong person, which explains the inquiries. 

Please remove these accounts and inquiries. I barely have any money but I will seek out legal help if I'm forced to.
Consumer complaint received 2023-02-09
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: Experian Information Solutions Inc. (GA)

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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXT XXXX Balance : {$0.00}.
Consumer complaint received 2022-10-28
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. (CA)

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 are 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, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX CA, XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/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 2022-10-28
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. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair or correct the account listed below : XXXX XXXX