davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF THE WEST (CO)

Lender : Bank of the West Refinance of Mortgage on Primary residence. Disbusement date was XX/XX/XXXX. 
Cash back to myself was to be {$22000.00}. This was not received until XX/XX/XXXX, the day after disbursement, even though my interest was being charged from XX/XX/XXXX. This {$22000.00} was only received after several calls to Bank of the West. 

The other main reason for the refinance was to pay off high interest rate credit card debt. 
This debt amounted to {$45000.00}. This was to be paid by the mortgage company directly to each credit card company. Statements from each card company with mailing addresses and account numbers were provided to Bank of the West to assist in paying these cards. 

By XX/XX/XXXX I began to check if these cards had been paid and they were not. I called Bank of the West Loan officer several times and they said the payments were mailed. It is now XX/XX/XXXX and still none of these credit cards has received payment. 

After a week and a half I find it hard to believe the payments were ever mailed. I asked Bank of the West for evidence that the payments were mailed and can not provide it. 

In effect I am paying interest on a mortgage loan which I have not received the full proceeds from and also continuing to pay high interest rates on the credit cards. 
I am also going to assert that if the APR was recalculated with this new information, that the quoted APR from Bank of the West would be out of compliance.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-17
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. (PA)

The Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am deeply frustrated by the inaccuracies that exist in my credit report, which constitute unfair treatment towards me. I kindly ask that you take action, thoroughly investigate this matter, and make the necessary corrections without delay. If there are no updates, I will be compelled to proceed legally.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

There are multiple account that are overdue from places that I've never gotten credit from or have accounts with. And when I disputed it, they still continued to keep it on there, even though they have no proof that it was even me. 
This is greatly effectively credit to where I can't even get a car. I can't get housing. I can't. Do anything because of the blocks that it's put on my credit report
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I received an email from Bank Of America on XX/XX/2022 at XXXX pm regarding verifying my email address. Then on XX/XX/2022 at XXXX am, I received a second email from Bank of America regarding an Online application is in progress with a confirmation # : XXXX. A third email was sent at XXXX am on XX/XX/2022 stating : " Your new account is open '' ending in XXXX. Finally, a 4th email was sent from Bank of America at XXXX am, stating that " You're enrolled in Online and Mobile Banking ''. This account was open fraudently.
Consumer complaint received 2019-01-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (RI)

On XX/XX/XXXX a portion of my pay was direct deposit into Bluebird account in the amount of {$320.00}. Bluebird has set aside account like savings accounts tied into main checking I transfer {$310.00} into set aside account. Later I looked on my online account and someone got into my account transfer {$310.00} back into the checking then did a p to p transfer of {$320.00} to a person I do not know nor did I do this transaction. I called customer service the rep from fraud himself said your account was hacked into you need to change your password. I changed password filed the dispute the next day I got email denying my claim. Then I got email stating my account was locked someone tried getting into account again I called customer service back the next day spoke to fraud stated again I did not do this. I was advised to change email and all they could do is refill claim. Today is XX/XX/XXXX and I have heard nothing. I know claim will be denied. Wheres my protection Bluebird states they are alternative to checking I am very upset and need my hard earned money back.
Consumer complaint received 2020-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TX)

My wallet was stolen in 2017. The bank cards I never got in the mail I never could identity myself with the bank to even get a new card or statements. They kept saying I want me. Also checks I see is the information I never used checks. It wasnt into Two years into I was able to get the bank statements. Missing money and serval banks and check use has been used with my identity since. XXXX is the email that was stolen and hacked. The phone provider was XXXX. My wallet was stolen and bypass security was used with it. Changing the name to XXXX XXXX, also while removing me from the primary account holder. But using my social on the account still reporting phone and accounts thats not mine. I had an XXXX at the time. This is how my bank information, emails, and things was used.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I requested verification of an account on my credit report. I also had that same account deleted in XXXX only to be reinstated, which a violation of 15usc 1681I unverifiable and inaccurate being reinstated to credit reports. as a result of this my credit score was decreased significantly. this is unfair because i dont have any delinquincies on my report and the credit acceptance account status is closed and paid in full.
Consumer complaint received 2019-01-22
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. (TX)

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Consumer complaint received 2019-01-22
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: Experian Information Solutions Inc. (TX)

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Consumer complaint received 2019-01-22
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. (TN)

I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past .I strongly believe that they are in violation of the FCRA pursuant to section 605 B and are outright refusing to uphold the law.
Consumer complaint received 2022-08-27
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: Experian Information Solutions Inc. (NY)

Experian sent me investigation results without supplying accurate original documentation which includes all original contracts between the original creditor and consumer. With original signatures and all original contracts. Experian is clearly violating the FCRA laws put in place. They are not actually doing any investigations its a stalling tactic to get me to give up without deleting the errors which by law should be deleted.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I remitted the payment coupon at the bottom of my statement along with a notice of instructions on how and where to credit the payment. Now my account has been closed without prior notice due to them saying I'm denying my contractual obligation to pay when I've in good faith tendered payment. I never denied my obligation to pay but the obligation is of the U.S., not me. I've sent Notices on XX/XX/XXXX about this matter and they signed to receive the information on XX/XX/XXXX according to to form XXXX. They have closed my account on XX/XX/XXXX according to data from XXXX about my consumer report.
Consumer complaint received 2019-01-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I have a checking account at the Citibank since XXXX. 
My status is Citigold.

Last week I tried to logg in into my account trought the mobile and I couldnt. Inmediately I called to the Citigold Customer Service line and one of the representatives informed me that they will replace my debit card. 
My debit card never arrived to my home. 
Saturday XX/XX/XXXX I called again and I had been noticed that my checking account was closed and when I asked the reasons, they said that cant provide any information by the phone and I needed to talk in person at the branch. 
Today Tuesday, XX/XX/XXXX I showed up at the XXXX XXXX in Florida and one of representative told me that she didnt know why my account was closed. She sent an email to Citibank and then called me to say that the account was closed and she doesnt know exactly the reason. 

Problems : 1. I never received a letter or phone call to let me know they had intention to close my account. No one asked me information or send me a questionary for anything in the last 4 years. 
2. I already gave some personal checks to pay association fees, assetments and other concepts to different persons and companies and now all this payments will not be executed.

3. My reputation, my honor and my credit records will be affected without any reason.

4. I spent three full days trying to solve this problem and I lost time and money. I need to spend more time to rebuild my financial structures ( account, automatic debits, payments, history, etc ) 5. I feel discriminate due the City Bank representative dont explain me or give the reasons to close my account. I am very responsable person, I opened my account ten years ago, because I thought it was a serious entity. I expect that the Bank reconsider this resolution that causes me economic and moral damage.
Consumer complaint received 2020-09-24
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: Experian Information Solutions Inc. (CA)

Report shows my final car payment was late, but i provided a bank statement showing it wasn't. I even provided bank statements for the previous months to show that it was paid on the same day every month ( it was on autopay with the leasing company after all ) with no issue.
Consumer complaint received 2019-01-22
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. (TX)

This is not a valid debt, the charges made to the card were for car repairs which were not authorized and did not resolve the issue of the check engine light being on. As an unauthorized charge for work not authorized there should not be a charge on this card. 

Additionally the credit card company XXXX XXXX XXXX continued to charge interest and late fees well after the account was charged off to a total of {$1000.00} in late fees and additional interest. The credit limit on the original card was {$2100.00} the total amount finally charged off as bad for the unauthorized charges and work on the car was {$3100.00}.
Consumer complaint received 2019-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC (WA)

I learned yesterday that this company is not licensed to operate in my state. Researching what to do about this, I found that WA residents are owed a refund on these loans past the principal amount. This company owes me {$840.00} in refunds after I have paid {$1600.00} on an {$850.00} loan. I revoked ACH authorization with both the company and my bank, and asked that they refund my money, pursuant to the law of the state they were doing business in. They have declined. I want my refund of these fees that I am entitled to.
Consumer complaint received 2018-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need to update me credit file. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. My current employer is XXXX XXXX XXXX XXXX, XXXX XXXX SS   XXXX MY DOB XXXX I was viewing the rest of my report and I noticed there were unverified account I do not recall ever doing business with these companies XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, XXXX  or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Consumer complaint received 2023-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I used my CashApp card at a XXXX to purchase some items that totaled {$23.00}. The card declined so I retried it for {$8.00} and it declined again, so I left without purchasing anything. Its been 3 days and I still have a pending transaction for {$23.00} on my account and CashApp has given me 3 different stories on when this debt-pin charge will go away or expire. This exact same scenario happened at a XXXX XXXX the next day and that transaction isnt still pending on my account so why is this transaction sitting here and why wont CashApp just void it? There was no purchase made and if its legal to hold my money for 3 days on a purchase that didnt happen then why didnt the {$8.00} charge sit there too? This is ridiculous. Cash App will not do anything about it or answer my questions. Ive tried to contact the merchant and can not get them to answer their phone. At the point of sale ( or decline I should say ) the merchant told me it is my bank who is holding the money not them. So who is it that holds the funds even when it was a charge that didnt go through?!!
Consumer complaint received 2023-10-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

This was my first loan a XXXX XXXX XXXX purchase in XXXX with over XXXX miles. My payment is very high {$470.00} and I have had this car for over 4 years and I still owe {$8000.00} for this I pay very high predatory interest because I was young and unaware. ( I even traded my used car in for this vehicle. ) The dealership knew this was in an upside down loan with this card in less than two years of having. I still have loan documents. Even when I built my credit they offered no better credit options for me but a refinance and I would had to go to another company. 

Please assist I can provide all past documents and present documents. I have paid for this car three times over.
Consumer complaint received 2019-07-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CT)

Our mortgage on the property was around {$1500.00} a month. Over the course of last year XXXX first increased the mortgage to {$1700.00} a month citing an escrow shortage of {$11000.00} in XX/XX/XXXX. Due to the increase, vacancies, and a deadbeat tenant, I fell a month behind for several  months. As soon as I got current with the mortgage in XX/XX/XXXX, they increased the mortgage to {$2400.00} a month, citing another escrow shortage of {$9000.00} found inXX/XX/XXXX. 
It did not seem reasonable, logical, or even possible, to first have an {$11000.00} escrow shortage, never mind having another {$9000.00} escrow shortage just three months later ( and as the same time as I had caught up ). At this point, I stopped paying the mortgage. 
The loan was transferred to Loancare who is claiming another escrow shortage of {$4300.00} from XX/XX/XXXX due to an increase in home insurance. They have hired the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, RI XXXX ) to start the foreclosure process. 
All of this started after the housing market pulled out of the recession. My building is worth a lot more than what I had purchased it for almost 20 years ago, and is definitely worth a lot more than the balance of the mortgage. I believe this is a clear case of equity stripping. They are just going to keep raising the mortgage until I go under.
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I opened an HSBC Credit card because they had 0 % interest for balance transfers for the first 18 months. I did a balance transfer, one month later my old credit card ( XXXX   XXXX ) had still not received the payment so HSBC cancelled it for me. Now I tried doing the balance transfer using the check HSBC gave me and this worked. So my balance was transferred ( {$1800.00} ) over to Hsbc in XXXX, I made my first payment in XXXX ( {$50.00} ). XX/XX/XXXX I received a letter stating my next payment would be XX/XX/XXXX. So on XX/XX/XXXX I tried to schedule an online payment with no success. I clicked on live chat and explained my problem and they said to call during business hours because my account was frozen for fraud. I've been on hold for over three hours so far. I went to th branch and they couldn't help me either. There is no reason for my account to be frozen as there has been no fraud and everything I've done on the account I have done with them over the phone. Now I'm worried I'm going to rack up late fees because they won't late me pay my bill and at this point I just want to find another bank with better customer service. The online live chat wast helpful at all simply told me to call the number that he had no information. 
I also received no notice that my account was frozen.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates , LLC filed their claim for a XXXX XXXX XXXX  XXXX credit debt against me stating the debt was Opened with XXXX  XXXX on XX/XX/XXXX. This reported date is incorrect, the actual date XXXX XXXX XXXX  XXXX reports is XX/XX/XXXX, see attached document. 
Portfolio Recovery Associates , LLC will not provide the date the debt became past due. I attached a copy of an email from XXXX XXXX that shows the account went past due Sun, XXXX XX/XX/XXXX per XXXX XXXX XXXX XXXX. 
The date the debt became past due is greater than 4 years from the date Portfolio Recovery Associates , LLC filed their collection action per the XXXX  statute of limitations. 

I have sent letters and left phone messages with no response. 
Portfolio Recovery Associates , LLC, XXXX XXXX  XXXX, XXXX, Va XXXX Portfolio Recovery Associates , LLC is not licensed in XXXX  as a debt collector.