davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: First Data Corporation (OH)

On XX/XX/XXXX and XXXX, XXXX my XXXX account was compromised and my card information on the account was used for 9 different transactions for a total of {$820.00}. After reading my email on XX/XX/XXXX I noticed an email confirmation for something i did not buy. I immediately called the XXXX XXXX XXXX   XXXX  customer service and put a block on my card and had them send me a new one. I tried to contact the seller " XXXX '' to get a refund. They told me i need to contact XXXX and get a refund through them. I proceeded to file a dispute claim through XXXX for all 9 transaction. After a couple days i got a Refund on 3 of the transactions for {$61.00}, {$36.00}, {$56.00} for a total of {$150.00}. XXXX XXXX sent me a form on XX/XX/XXXX that i completed with all of the above information. They sent me a letter dated XX/XX/XXXX that stated " Based on the results of this investigation, your claim has been denied due to inconsistent conflicting information given.You have the right to request copies of the documents that we relied on in making our determination. We consider this claim resolved and your claim has been closed. '' On XX/XX/XXXX i wrote them a letter stating that i would like them to reopen the claim and credit me for the total amount minus what was already refunded, {$670.00}. I also stated that i would like to request the documents that they used for their investigation. It is now XX/XX/XXXX and i have not received a letter from them yet. All of the transactions are listed below, including the three refunds i received through XXXX. I would like to have my account credited for {$670.00}. 



XX/XX/XXXX XXXX ( {$590.00} ) {$1900.00} XXXX *XXXX.XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$59.00} ) {$1600.00} XXXX *XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$63.00} ) {$1700.00} XXXX *XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1700.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$41.00} ) {$1700.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$36.00} ) {$1800.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1800.00} XXXX XXXX-XXXX  XXXX XXXX XX/XX/XXXX XXXX ( {$61.00} ) {$1800.00} XXXX XXXXXXXX XXXX *XXXX XXXX XXXX  XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX XXXX   XXXX  XX/XX/XXXX XXXX ( {$41.00} ) {$1900.00} XXXX *XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$1900.00} XXXX XXXX-XXXX   XXXX XXXX XX/XX/XXXX XXXX ( {$55.00} ) {$1900.00} XXXX *XXXX XXXX XXXX XX/XX/XXXX XXXX ( {$0.00} ) {$2000.00} XXXX XXXX-XXXX  XXXX XXXX  XX/XX/XXXX XXXX ( {$56.00} ) {$2000.00} XXXX *XXXX XXXX *XXXX XXXX XXXX
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the 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
Consumer complaint received 2021-02-18
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. (TX)

On XX/XX/2020 I filed a complaint against XXXX  and Experian concerning the inaccurate reporting of XXXXXXXX. This account was sold to XXXX XXXX XXXX. XXXX and all associates have requested this account be removed from all credit bureaus. XXXXXXXX  has failed to response to my dispute. I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit reports. It has been over 90 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

In XX/XX/2018, and again on XX/XX/2018 and again in XX/XX/2018, I filed a dispute with XXXX  for XXXX XXXX account listed on my credit report. I got a generic response back of validated, that the account was correct and validated. I asked for the credit bureau to supply me with documentation on how exactly this account was validated according to the Fair Credit Reporting Act. They failed to do so and it has been well over 30 days. I requested for XXXX  not to use the XXXX  or automated system in validating this account. I have extensive reason to believe that this account was not validated according to the Fair Credit Reporting act section 609 a 1 a. Also I have reason to believe that the credit bureau XXXX has violated the Fair Credit Reporting act again by failing to validate the debt within the investigation period of 30 days according to Fair Credit Reporting Act 611. I have repeatedly requested the alleged signed original contract that XXXX  has on file for me because I have contacted this XXXX XXXX XXXX and they have yet to provide me with a signed original contract as well with in FCRA guidelines. I believe since this account can not be validated that according to the Fair Credit Reporting act it should be removed from my credit reports immediately. I have contacted XXXX  via certified mail # XXXX and again via cert mail XXXX
Consumer complaint received 2019-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: The J. G. Wentworth Company (NV)

On XX/XX/XXXX at XXXX, I placed a call into XXXX XXXX XXXX to inquire about a approved {$800.00} pre-settlement loan. I was following up on a report from my bank XXXX XXXX who reported that when there was an attempt to collect the amount from the XXXX XXXX account, XXXX XXXX stated to me that there was XXXX amount showing for the XXXX XXXX 's account and the check I had received by mail from this Company was put on hold so, I immediately called the XXXX XXXX and asked why was that check put on hold and I was swiched over to a person who reluctantly gave the first name XXXX and claimed to be the company 's owner so, when I attemted to ask this gentlemen name XXXX about the {$800.00} approved check being frozen by my bank, he then in a hurried voice stated that his company was hacked and his holdings and funds were liquidated, and I ask him did they have insurance to cover their losses and his reply was " hey bud you and everyone else 's money is gone so what do you want me to do about it and you need to pay your bills and you will not need money, just pay your bills '', and I then feeling insulted has a patron who had filed a contract that both me and my attorney signed off on with this company replied to this individual that he would hear from my Attorney and I was going to report him to the prooer authorities and he respinded " go ahead, I don't care '' and I terminated the call whike trying to stay calm and collected. This Company was confirmed by XXXX XXXX XXXX that XXXX XXXX XXXX is a Co-Partning Company with XXXX. XXXX XXXX XXXX address given is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I would like to file a complaint against Bank of America. In XX/XX/XXXX, they informed me that my second mortgage, currently a payment of $ XXXX will increase to $ XXXX come XX/XX/XXXX ( this will be over $ XXXX more to budget ). I immediately took steps to try and work with Bank of America, since this increase is absurd and will be a hardship on me and my family. 
After XXXX months of filling out paperwork and speaking with countless service reps to get help, Bank of America informed me that the only solution they could offer me was to short sell my house ; not the better rate or combination of XXXX and XXXX mortgages I was lead to believe to be a viable solution. 
I can not believe that they would treat a good, long time customer like this. I have n't been late or let my mortgage lapse ever.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Plastiq Inc. (OH)

I attempted to send money domestically to a vendor for a series of items at an agreed upon price. I entered my payment information and received confirmation that my credit card was charged. The next day, I then received notification that my transaction was canceled because the bank was " unable to support '' my transaction. I was referred to a document on their website about supported purchases. My purchase did NOT fall under any of the unacceptable items and could easily be categorized in several explicitly acceptable categories. I then resubmitted the request with updated information, and again the transfer was cancelled with no explanation. I then attempted to contact the company using the links they provided. I tried the phone number listed on their website, but it was an unmonitored number and would not connect me with a representative. I then tried the " chat feature '' I was referred to, but this was automated and also didn't have any method to reach a human. I then emailed the account services team with my complaints/concerns, and I was reconnected with the same representative ( XXXX XXXX who canceled my transfers in the first place. I was rudely told I was no longer welcome to use their services, and I was not given an opportunity to explain my rationale or logic for the transaction. As a result of these transactions, this banking company has a significant portion of my funds being held for 5 business days.
Consumer complaint received 2022-08-18
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-03-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC (FL)

To Whom It May Concern, Thank you for taking the time to review this formal complaint against Lennar Homes, Lennar Mortgage, and Lennar Title for fraudulent, dishonest, and misleading information in my home purchase and mortgage process. 

I purchased a new construction townhouse that was built by Lennar and located at XXXX XXXX XXXX ; XXXX XXXX, FL XXXX in a community called XXXX on XX/XX/XXXX. 

During the home purchase process, in the Closing Disclosure, and beyond, we were provided inaccurate figures for HOA and neighborhood dues that would have changed my buying decision. I would have purchased elsewhere if I would have known the full scope of the fees. These are the fees that were disclosed to me : Club membership : {$3700.00} one-time fee Yearly Community Development District Fee : {$160.00} monthly Homeowner 's Association dues for townhomes : $ 240 monthly Homeowners Association dues for lagoon maintenance : $ 100 monthly In addition to these fees, there was a $ 115 monthly fee ( which has since increased to $ 187 monthly ) that was never disclosed to me. 

When my husband and I went to get the amenities keys from the neighborhood amenity center, the associate on staff asked us to meet the director. The director told us that they would not provide us with amenity keys because we did not make a payment. We told her that we did the HOA payment, but she told us the missing payment had nothing to do with HOA. There was an additional {$180.00} per month payment for amenities that we were never informed of ( it was {$110.00} in XXXX and increased to {$180.00} in XXXX ). 

The director told us this fee was mandatory whether we had been informed of it or not, and she took our credit card details. 

We were totally surprised as we at no point were informed about this monthly {$180.00} payment by the builder, mortgage company, or title company - all of whom were Lennar.

We honestly already thought the fees were extremely high and would not have bought this property if we would have been informed about the additional funds we are having to pay now. This is adding a financial burden on our family.

With Lennar being the builder, lender, and title company, I don't know how we would have possibly known about these additional fees, and that is truly fraudulent, dishonest, and misleading on their part. The director at the neighborhood amenity center said that other Lennar customers are facing the same issue, and they have left the amenity center crying and upset. 

I've attached supporting documentation for this. I was under the impression that all fees have to be disclosed in advance, prior to closing. Would you please advise if this is the case? If so, how can this be rectified financially with Lennar? 

Thank you, XXXX XXXX
Consumer complaint received 2019-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

I have a mortgage with quicken loans I'm on a fixed income for XXXX. Between XXXX and XX/XX/2018 I have four escrow analysis is because they couldn't get my taxes right they were wildly off. the first three made my mortgage payment so high I couldn't afford to make them.The mortgage company knew that there was a error in the analysis that cause this but expecting me to make the payment until they could reanalysis it. Thankfully this is all fixed before I had to make a payment on my mortgage and I ended up not falling behind. Now they lost an entire check car mortgage payment it was kind of stuff I have the paperwork showing it was cashed expecting me to still make my mortgage payment even though I have the bank records showing that they cashed the check. Expects me to make the payment until they can find the money even though I have the paperwork and all they had to do was call the bank to verify that the paperwork is real. quicken loans constantly keeps making mistakes on my loan that could cost me to foreclose on my house to default on my loan. They keep making mistakes that could put me behind on my loan or make it to where I can't afford my loan. Every time they make a mistake they expect me to pay more until they correct it even though they know they made a mistake. I sign this is predatory I feel like they're doing this so that way I am forced to foreclose on my house and the value of my home has increased so greatly in the first year of ownership that they would make 50 Grand if I were to foreclose on my house.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with XXXX, Transunion and XXXX nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Consumer complaint received 2019-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

I have attempted to open a bank account with Chase Bank several times over the years and have continuously had my account closed within 24hours of opening, even after finding the account, without any explanation. I have reached out to Chase and the only thing U can think is because I filed Bankruptcy which was dismissed nearly 5 years ago - with no history of a Chase account ever being included. 
I have Good credit, no XXXX  XXXX records, bank accounts with every other major financial institution and large amounts of liquid reserves. This can only be due discrimination! They have caused me severe financial hardship as my auto loan is in the name of my mother because Chase refused to lend to me without cause. All of my credit cards are Chase backed but I'm only an authorized user despite the fact I pay all of the statements on over XXXX in revolving credit lines. This makes no sense and I am begging for help!
Consumer complaint received 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2019 we received an email from XXXX XXXX that a debt was allegedly owed. On XX/XX/2019 XXXX XXXX received a lawful Debt Validation affidavit that went unrebutted along with Disclosure Statement with questions unanswered. On XX/XX/2019 XXXX XXXX received a Fault in Dishonor Notice in regards to the Disclosure Statement not being answered question for question. On XX/XX/2019 XXXX XXXX received a Default in Dishonor Notice with the disclosure statement still unanswered. On XX/XX/2019 XXXX XXXX Received an Estoppel Notice for which the only mail they sent afterwards was the alleged promissory note for the student loan which did not answer any of the question from the Disclosure Statement. Please See Attached Documents :
Consumer complaint received 2019-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (OH)

XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " Rewards XXXX Visa XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a rewards visa. I then received a letter from Commonwealth Financial Systems on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.
Consumer complaint received 2015-10-29
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: JPMORGAN CHASE & CO. (MN)

A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.
Consumer complaint received 2022-05-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX. 2022, I sent {$1500.00} to an individual in exchange for a sports card. We had a lengthy text exchange intended to confirm the transfer of funds as well as the shipment of the card. Contrary to my requests, the individual did not send tracking information for the card and I have not received the merchandise to date. Furthermore, the individual has stopped responding to my inquiries. 

I opened a claim with my bank ( Wells Fargo ) with claim ID XXXX. Upon reviewing this, WF was unable to reverse the transaction.