davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX-XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX-XXXX-Balance : $ XXXX-Date Opened : XX/XX/XXXX
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

XX/XX/XXXX - partner - spouse passed away XX/XX/XXXX - my home -successor and also continued with payments with Quicken Loan now Rocket est XX/XX/XXXX started questions to loan mortgage rate and to refinance est XX/XX/XXXX started process to re-finance - Rocket/Quicken mortgage person stated that my correct re-finance would be adjusted since he kept give me the amount of {$180000.00}. 
From XX/XX/XXXX to XX/XX/XXXX I continued making payments on loan - principal Balance was {$170000.00} XX/XX/XXXX est I was approved for the loan - it stated {$180000.00} again and I told the person the amount did not seem correct and needed adjusted. 
est XXXX through XXXX I Informed Rocket that my re-finance loan amount was incorrect. The whole process was unbelievable -as they kept asking for more and more information and I complied. I found out that the wrong departments got my information. The title company person helped me and realized what Rocket personnel had done. I was going to seek another lender. 
est XX/XX/XXXX- I asked to have exact figures on how the loan was {$180000.00} - got switched around to 3 or 4 different departments I understand that I have a closing cost and then was told that I would get refund for {$2000.00} or so Rocket Mortgage initial marketing person has not assisted me or provided me with what I am requesting. I maintain that Rocket has not taken into consideration the payments I made when calculating my refinancing. 
I am asking for your assistance and any or all corrections that need to be made. 
This is a form of financial discrimination.
Consumer complaint received 2019-12-12
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: EQUIFAX, INC. (DE)

EQUIFAX Unfortunately after the results of an investigation into HIPAA violations, EQUIFAX continues to report these violations on my credit report. XXXX, the company in violation has placed the burden of correcting and updating my credit report squarely on EQUIFAX. I am including in this complaint, XXXX 'S first response to my request ( validation ) which shows their clear HIPAA violation as well as their attempt at placing responsibility on EQUIFAX. I am also including a copy of a letter that will be sent via certified mail as I am documenting my case without error.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Date : XX/XX/2022 To Whom it may concern, Once again good evening Transunion, how are you doing today? You sent me information regarding my report XX/XX/2022 File number XXXX Verified as belonging to me and information has changed or been updated to reflect recent activity. 

I want it to be clear I never disputed the account didnt belong to me. I disputed the information reported. Delete the following accounts because you did NOT do a proper verification. It is past the 45 days time required. 

I demanding a Updating of the following accounts : US DEPT OF EDUCATION/XXXX - XXXX US DEPT OF EDUCATIONXXXX - XXXX US DEPT OF EDUCATION/XXXX - XXXX PLEASE MAIL UPDATED CREDIT REPORT TO MY ADDRESS SHOWING THE DELETIONS. 

Best Regards, XXXX XXXX
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (OH)

On XX/XX/XXXX, I authorized a withdraw using be debit card in the amount of {$490.00} for an appraisal for a mortgage refinance. My account was charged {$490.00} on XX/XX/XXXX. 
On XX/XX/XXXX, my account was charged again for {$490.00}. This was unexpected and unauthorized and sent my account into overdraft. I contacted Loan Depot immediately. They admitted it was their error and promised to have the amount credited back to my account. 
Though I have contacted them repeatedly and they keep saying they'll return the funds, I still have not received the refund.
Consumer complaint received 2021-10-01
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)

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I called Chase and request a copy of the charge slip I signed because I want to go to local police and file a complaint against a business. 

They would not send it to me.
Consumer complaint received 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (MD)

I obtained a mortgage loan in XX/XX/2021 for the purchase of a residential condominium unit. The loan was soon sold to Amerihome Mortgage Corporation. In XX/XX/2021 I received a letter from Amerihome that I did not have a flood policy and that I had to obtain one or they would force place a policy. The property is in a flood zone. However, the property is a condominium and there is a NFIP master flood policy in place which meets FNMA guidelines according to my original lender. I called Amerihome and they advised me to forward the policy which I did.They promised to have it resolved in a few days.Weeks went by with no response. I received another letter stating the same issue. I called and was again advised to send a copy of the policy and they would call back in few days. I did not get a response from Amerihome until I received an escrow analysis with a {$910.00} flood policy premium added for a forced placed policy resulting in an increased monthly payment. I have called numerous times, provided the information and received promises that they will resolve it and call back in a few days. They have not once followed up and communicated back to me in writing or by phone. I called again XX/XX/XXXX. At this time they said that the NFIP master policy that was in place did not cover business interruption so it wasn't valid. This claim makes no sense because NFIP flood policies do not cover business losses FNMA and FHLMC do not require flood policies to provide business loss coverage, and the condo is a residential property, not a business.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

Please refer my previous CFPB complaint XXXX. 
Wells Fargo is just not letting me close my account. Instead they started charging me fees for XXXX balance. 
They can call me at XXXX to talk to me during Mon-Thu from XXXX XXXX  to XXXX XXXX  Central time or friday from XXXX XXXX  to XXXX XXXX  Central time. 

Moreover if one can open account online without going to branch so why one can not close the account online? 

Due to COVID-19 - I am not going to any place for notary or into their branch to close this account. 

I am doing part - time job and have to take care of kids while remote learning. Why wells fargo doesn't have chat or secure message options or email to do this work?
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax has 5 hard inquiries that I have asked for FAIR CREDIT REPORTING ACT SECTION showing why did these hard inquiries allowed when I had CREDIT FREEZE during the time. Then I wrote about section XXXXand XXXX that shows exactly how the inquiries came through without signature, spelling of name, who they talked to and the list goes on. They need to take all 5 hard inquiries off.

1. Factual Data XX/XX/XXXX. 
2.XXXX XXXX XXXX XX/XX/XXXX. 
3.XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Can't/ tires XX/XX/XXXX All these had credit freeze and XXXX customer service lies. They don't understand XXXX the way we do. They are taught to break the law. They also just hang phone up on you.
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hi I am having an issue receiving a Lien Release from XXXX XXXX Capitol One Bank on 2 of my vehicles. I have attached the titles to this email. I called a local Capitol One Branch and the woman told me to call an 800 # which I did. I spoke to XXXX. Who was very nice.She transferred me to another lovely lady.. Who then transferred me to a voice message that disconnected my call. Tried again same thing!! Now frustrated. I went down to our local branch. One of the tellers took all my information. And is attempting to help. But no one is responding to he either. I need these lien releases yesterday!!! Please Help! 
Sincerely XXXX XXXX
Consumer complaint received 2021-10-01
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BARCLAYS BANK DELAWARE (OH)

I changed my address online on Monday. I was informed I could no longer access my account. I called to see what was going on and was told I had to send in documents to verify my identity. I sent my ID with my picture and a screenshot of my heating account with my name, address and account number. I talked to the rep while I did this. I move into my new apt on the XXXX of XXXX and there is no way I will have a bill before XXXX. I sent them what they had and described that to the agent. Ask for the call records I got an email saying I could log into my account and once I did that I was once again told it was locked. I called on Friday the 1st. The first time I was told they didn't know why. The second time I was told it was because security couldn't open an attachment. They all had the same file extension so if they could open one they can open all. They won't let you talk to a manager. I have tried.

Attached are there documents sent.
Consumer complaint received 2019-07-17
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 (OH)

There are late fees on my account because I wasn't receiving my statements. 

When I first called about the statements I was told no late fees applied. 

My statement show there are fees. 

I tried to call them today the automated systems isn't recognizing prompts and saying try the call later and disconnecting the calls. 

I always p [ at in full to avoid fees
Consumer complaint received 2022-05-26
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: Paramount Recovery Systems, L.P. (FL)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been trying to fix this issue since XX/XX/2019. Bank of America has now screwed up two of my accounts trying to fix it. I wrote my last letter on XX/XX/2019, and have not heard from them since. I am so frustrated I am at my wit 's end. 

On XX/XX/2019, I made a payment from my bill pay account to the wrong account. The account ending in XXXX was no longer an active account. I did not realize this until my credit card showed I had not made my payment. In investigating this, I realized what I had done. I then called Bank of America 's toll-free number and spoke with an agent and she said she would send my information to another department for investigation and they would get back to me. When I did not hear from anyone, I called back and got the same song and dance. After another interval without hearing from anyone, I decided I would message my concerns from the internal messaging system in my account. I sent no less than 8 messages, with only " canned '' or no responses. 

It was then I started my letter-writing campaign. My first letter was dated XX/XX/2019, and Bank of America sent me a letter back, dated XX/XX/2019, stating they could not find the payment I was talking about. This, even though, I had sent a detailed letter explaining everything and copies of all the documentation ( even a screen print of the account the {$57.00} payment was made to ). 

I wrote them back on XX/XX/2019, and sent all the attachments again and explained the situation again. On XX/XX/2019, I received a letter stating they had found the {$57.00} and credited it to my account. What they actually did was take a payment made to my husband 's credit card and put that money toward 's my account. 

My last letter was dated XX/XX/2019, and was directed to a Manager and told them what they did was totally wrong. I, once again, included all the documentation and told them EXACTLY what had happened. 

Since this last letter, I have heard nothing from them. It has now been over a month. This shouldn't be that hard. I told them exactly where the money went and gave them proof of that multiple times. I just want my accounts fixed.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (FL)

In XX/XX/2021, I opened an account after receiving email marketing from BMO harris that I can establish an account in earn up to {$300.00} after {$4000.00} had been deposited over a 90 day period. 

The account was receiving deposits bi-weekly for a XXXX dollars from my employer. 

XX/XX/2021, I logged in to transfer the funds to my local bank, due to the lack of ATM 's and locations as I've done since the account opening and notice that the account was not showing on my OLB XX/XX/2021 - I spoke to XXXX ( customer service representative ) who told me the account was closed due to inactivity, being a bank employee at another institution. I knew that XXXX and consistent direct deposits are considered activity. I asked to speak to a manager and spoke with XXXX. XXXX shared that the XXXX 's which were typically sent the next day, not the date of direct deposits being received resulted in the account having a XXXX end of day balance and the system closed it on the 45th day. 

I have an additional concern as to this deposit culminating the $ XXXX amount that was marketed. It seems that BMO Harris closed the account to avoid paying the marketing fee. An even more pressing concern is that it resulted in me having to wait for XXXX that was received after the account was closed according to my conversation with XXXX. This will cause an issue with me paying my rent which is due before the XXXX of the XXXX. BMO harris let me know it won't be returned until Monday. 

It seems that BMO is engaging in deceptive marketing and closing account pre-emptively to avoid paying marketing rewards, unless you meet additional requirements not disclosed. Additionally, the disclosures for the marketing clearly states that 0 minimum balance requirement, and fees.

- all access to statements have been removed, so I am not able to provide to you. The industry standard after account closing is to allow users 90 days of access, typically for accounting purposes. These statements should show the direct deposit coming in and the zelles being dispersed the next day ( account number used to initiate ) I notified the team member that I will be filing a complaint with the CFPB and asked for her to file a complaint - BMO HARRIS complaint number XXXX
Consumer complaint received 2022-08-26
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. (GA)

XXXX XXXX XXXX XXXXXXXX I have been disputing with the bureaus and data furnisher for over 6 months with no response on this inaccurate account on my report. BY LAW They have 60 days to respond. FCRA violation. 

I do not think this company is real and every letter I send to them certified gets returned. How are they validating with you???? Please delete this account from my credit report. 

I have attached proof that every letter I sent has been returned. 
The address I retrieved for the data furnisher I got from my credit report and the " companies '' website and both letters have been returned. 

SEE ATTACHMENTS
Consumer complaint received 2021-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-10-01
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2022-05-26
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name isXXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.