davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-15
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)

There are multiple " hard inquiries '' on my TransUnion Consumer Credit Report that are erronious and/or fraudulent. Specifically, this complaint is regarding the following " hard inquiries '' that I have previously and repeatedly requested be removed from my consumer credit report. They are as follows : XXXX XXXX ( XX/XX/XXXX ) : This was a hard inquiry from a company called XXXX XXXX  that I did not authorize. Both my wife and I received said inquiry. Unfortunately, our identities were both stolen in early XXXX and we suspect that this inquiry was attempted by the perpetrator. XXXX XXXX provided us a letter, dated XX/XX/XXXX, which indicated that the company agreed to have the inquiry removed from our consumer credit reports. Said letter was forwarded to TransUnion on XX/XX/XXXX. However, nearly XXXX months later, TransUnion has failed to remove the inquiry. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) : We do not recognize these inquiries and suspect that they were done fraudulently as well. I sent a letter to the company at the address provided to inquire about this. Both letters were sent back to me as " Undeliverable as addressed ''. Since the inquiry can not be verified and the company is unreachable, the inquiry ought to be removed in compliance with the Fair Credit Reporting Act ( FCRA ). My wife XXXX XXXX XXXX / XXXX ) and I both sent letters with a copy of the returned letters in early XXXX. TransUnion failed to remove the inquiry and did not respond to us.
Consumer complaint received 2021-04-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bliksum, LLC (NM)

I received a voice message from XXXX XXXX XXXX XXXX claiming to be from Loan Me, a company in California that makes personal loans. The caller claimed that I applied for a loan. I did not apply for a loan with this company and I want any report of a loan application to be removed from my credit report. This is a scam.
Consumer complaint received 2021-04-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am in violation by XXXX  experian and XXXX by being ignored constantly. I will continue to send in disputes until i recieve an answer. Yes I XXXX XXXX authorize all three bureaus to investigate my credit report.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I opened a new checking account with Bank of America about six months ago. I did not setup direct deposit with them at that time. I have few reoccurring monthly transactions that would be charged on my debit card. When I didn't have direct deposit, the charges would just decline no overdraft fee and then when I made a deposit and the merchant would run the charge again then it would process. Now that I have direct deposit setup and a merchant would request a reoccurring monthly charge, Bank of America pays it but charges me a fee. I did not opt-in to be charge for overdraft fees!!!! They charge me over {$140.00} overdraft fees for non- ACH transactions!!!! I have called and complaint to them on several occasions. Please help! I can't be alone.
Consumer complaint received 2021-04-17
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. (GA)

Applying for mortgage refinance. Received credit score report from XXXX XXXX XXXX. Next to Equifax, under " Key factors that adversely affected your credit score, '' it says " Amount owed on revolving account is too high. '' I pay my account off every single month.
Consumer complaint received 2019-07-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Today XXXX/XXXX/2019 I set up an international transfer I wanted to transfer {$14000.00} BUT the max was only {$1000.00} without XXXX The transfer fee for the {$1000.00} was {$35.00} ( 3.5 % ) If I have to do 14 of these transfers it will cost me {$490.00}!!! 

BUT I can't use the mobile phone APP to increase the {$1000.00} limit because the XXXX   wont accept my XXXX mobile number XXXX How can I solve this???
Consumer complaint received 2022-10-15
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX / XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXXXXXX XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXXXXXX XXXX XXXX : {$2200.00} XXXX  XXXX XXXX XXXX : {$6400.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Equifax should be held responsible because I applied for a XXXX XXXX credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.
Consumer complaint received 2019-05-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I contacted XXXX via letter is regards to account # XXXX, which they claim my account was charged off {$2300.00}. I requested information regarding account and received a print out of a bill. I responded with ... .This is formal notice that your claim is disputed. I contacted the company via certified mail XX/XX/2018 in regards to there claim I owe {$2300.00}. They still have not provided me sufficient proof of my signature.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My issue is with my Capital One Mastercard. I opened a binary options account with a {$300.00} deposit to try out the platform and on or about XXXX XXXX, 2016 I received a call from XXXX XXXX XXXX, Head of Corporate Division, he told me that he would show me how he could make me a lot of money if I worked with him, he asked me to login to the platform and gave me a series of small 30 second trades and they all won, that was very impressive, then he said to invest more money that he would guarantee similar results and would call me 3 times a week with winning trades, that he consistently had a success ratio of over XXXX %, I regretfully gave him my credit cards and I sent him another {$11000.00} using a combination of credit cards among them my Capital One MasterCard ending in XXXX in an amount of {$6000.00}, then the next day he said that his boss got mad at him because he had committed to help trade such a small account that he needed me to deposit another {$25000.00} I told him that it was n't going to happen because I did not have it, he told me to come up with it somehow he even suggested that I should go and rob a bank and this I swear on my father 's ashes and I refused, ok here is where it gets ugly he said that because my account needed a higher balance he was going to give me a bonus and would double my balance, he increased the account balance to {$22000.00} and after that he said that in order to withdraw I needed to trade 50 times the bonus amount, in other words {$550000.00}!!! I told him that I did not know how to trade and he replied not to worry that he would give me the winning trades and in 2 months he will have given me trades exceeding the required amount. I started researching and saw horrible reviews on XXXX XXXX and their tactics, I asked him to send me my funds back, he said that he could not because he had given me a bonus, the funds were intact in the account all he had to do is back out the bonus and send me my money back, he did n't and he said that he was not going to be able to give me trades for 3 weeks because he was going on vacation that he was going to have someone call me, a few days later I received a call from a female trainer who gave me a 15-20 min instruction on how to trade and that is the last I heard from XXXX, I called and emailed several times in the following days and I received no response ever again, they kept my money and closed my account. I protested the charges to my credit card and XXXX XXXX Visa helped me, I got {$5000.00} but Capital One did not help me with the remaining {$6000.00} and they told me that they could not do anything, basically I am losing {$6000.00} because the actions of these thieves.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

I was trying to do my homework and get help from XXXX. And the ad popped up and I clicked it to get an estimate and put my information in. That's when they charged me that first amount. Then they charged me again and when I called the website for a refund they said their account policy is that to get a refund it has to be a minimum of {$11000.00}. Then they took my XXXX and cashapp info and automatic transactions had been going on until there was no money left in my account. I thought this was all normal when I ran out of money I asked my family for money. That's when my family told me it was a scam. 

I have contacted my bank which is BB & T. They have denied all my dispute saying that the transactions were authorized. But I haven't authorized anything. I do not know how all that happened. When I asked if they can do a chargeback, they can't do that either. And I already did a police report. 

XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXXXXXX XXXX XXXX CA XXXX {$390.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$500.00} XX/XX/21 XXXX  PAYMENT TO XXXX PAYMENT ID XXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$550.00} XX/XX/21 ZELLE PAYMENT TO XXXX PAYMENT ID XXXX {$520.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$470.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX {$520.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$530.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$270.00} XX/XX/21 XXXX  PAYMENT TO XXXX  PAYMENT ID XXXX {$250.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$1000.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$990.00} XX/XX/21 XXXX  XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$800.00} XX/XX/21 XXXX XXXX  XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} total amount = {$10000.00} Website which took my money : XXXX : XXXX their email : XXXX phone number : XXXX, XXXX, XXXX Name : XXXX XXXX, XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (NJ)

I chose better.com over my current lender for refinancing because I was sold this average closing in 20-30 days and me and my team will be with you throughout the whole process and of course they were able to beat closing cost by about {$650.00} dollars over my current lender. I started the process on XXXX. 
Anyways, fast forward 14 days on XXXX and things are starting go south little by little in these 14 days. They couldnt fathom that I work for a company whose headquarter is in another state. They didnt even bother to look at W2 submitted to see my home state ( where my property is ) taxes were taken. 
They also probably have some of the worst underwriting requirements that makes it impossible to acquire a loan for someone with excellent credit, 37 % LTV, excellent assets, and income requirement as their practice of evaluation is not fair to say the least. I almost lost my appraisal fees until I threatened them with CFPB complaint and thankfully, I was able to go back to my current lender but in 15 days, the interest rate now is now XXXX % higher. 
Oh, to top it off, I never even got a call/email back from the loan officer that sold me the bill of goods that they couldnt deliver. None of their employees I dealt with seem to care, they are just collecting paychecks. Avoid them at all cost if you want to actual close on a loan.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BMO Bank, N.A. (IL)

I filed a dispute for an unauthorized charge to my debit card. I also filed a police report for theft relating to the same matter. The BMO Harris XXXX failed to obtain the police report number, XXXX contact information, contact information for the local police office, etc., to investigate, and did not contact the authorities at any time. Instead, I received a letter from BMO Harris stating that my claim was denied, and closed. 

In short, I used my debit card at a XXXX gas station located in XXXX, IL. I inserted my card at the pump, and proceeded to pump XXXX gallons of gas into my portable gas can. After a few days, when reviewing my checking account activity online, I noticed I was charged {$58.00} for what was a {$6.00} purchase. 

I have been in contact with the corporate office of XXXX, and with BMO Harris, my debit card provider. 

I filed a police report with the XXXX Police Department. I also filed a dispute for the charge with BMO Harris, per the recommendation of the representative from XXXX XXXX she told me there was nothing more they could do because there was an open and active police investigation pending ). 

As of XX/XX/2016, I received a letter from BMO Harris denying my claim. 

Apparently, XXXX somehow generated a receipt showing XXXX gallons of gas purchased at a cost of {$58.00}, and BMO Harris simply accepted that as a basis for denial of my claim without noting the police report of theft, and without taking any information pertaining to it, and without contacting the XXXX Police Department. 

When I called to ask about this, the representative I spoke with ( not in the dispute department, simply a call center representative for all banking customers XXXX told me after he put me on hold that he spoke with the XXXX and attempted to pass along the police report number, XXXX name, and contact information for the police department, but was told by the XXXX that she would not look at the information or take it into account. He apologized and told me there was nothing he could do. 

If all other factors are ignored in this case, at the very least it should be noted that my vehicle according to the owner 's manual has a fuel tank capacity of XXXX gallons. It is not possible for me to pump XXXX gallons if I wanted to, notwithstanding the fact that I only pumped XXXX gallons into a red plastic portable gas container for my lawnmower that day.
Consumer complaint received 2019-07-12
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Integrity Funding Ohio, LLC (TX)

I think I made this loan with loan Star Title since maybe, XXXX Or XXXX of XXXX ... today, I'm still paying 320.4608 % on my 2009 XXXX. For months I have to XXXX and somethng a month and still doing. I thought as my bill, gets lower, the interest too would be lower. No, maybe a dollar or two goes down each month
Consumer complaint received 2019-07-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (MN)

In XXXX I began a modification with my mortgage company. The final paperwork for the modification didn't come until XXXX of XXXX. The paperwork required my signature in front of a notary public which I completed. It also had to be within 5 days of receipt, which I also completed. In XXXX of XXXX Homepoint Financial began to refuse my payment saying that the final paperwork for the modification wasn't returned on time. I then had to prove to the that it had in fact been returned and signed for by a XXXX XXXX at their Texas branch. The representative I spoke to about the papers actually having been received said that there would be an investigation and I would hear from her by the following Tuesday at the latest. 
I never heard back from her again. I then received paperwork saying my loan had been sold, which I thought was odd since I was in the middle of a modification. Then for some reason out of the blue XXXX began accepting my payments again. I then paid for a past due XXXX payment and my XXXX payment. Then suddenly they began to refuse my payment again. So out of fear for losing my home I began the borrowers assistance package and sent out an email to an address that had emailed me in the past from Homepoint. They came back with a repayment plan that almost surpassed my income and was completely unrealistic. They wanted me to pay XXXX a month for XXXX months. I couldn't make those payments and again did yet another borrowers assistance package at the hopes of the repayment plan would doable. They then denied me any option that would allow me and my family to remain in the home. Based on the fact that I had had a previous modification in less than 24 months when in fact it had been denied due to lack of paperwork supposedly. During the modification process I was called on a Friday and told that some of the tax documents that I had submitted wasn't going to be sufficient. I stressed the entire weekend, literally a train wreck all weekend and when I called on Monday I was told All that was needed was in and it looked good. Just an example of how they have added stress and pressure to an already terrible situation. I have been handled terribly and talked down to as if me or my house truly means nothing to any of these people. Their idea of communication is to send a person to knock on your door but not wait for you but instead leave a note on the door and take off. I followed through with my part of the very first forbearance that XXXX is calling a modification. The same modification they denied existed while on the phone with me and my attorney. XXXX has been so all over the place with my mortgage statements, amounts and payments and whenever I call them they always say I have to talk to my case worker and they let me leave a message and my call is never returned. I also did reach out to a counselor with XXXX XXXX XXXX whicj also wasn't able to make heads or tails of what XXXX was doing. Thanks for you help in this matter
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I had a background check by XXXX for a job application. The background check has me listed as living in Oregon two times. I have never lived in Oregon, so someone has used my identity. Their information on where I have lived is all wrong. I have had two addresses in ten years, it has me down for 5-6.