davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Recovco Mortgage Management, LLC (AZ)

RECOVCO Aside from the entire loan process with RECOVCO being disorganized and last minute with, their unrealistic last minute requirements ( Audited and signed business accounts and statements ), or the failure to complete a product 1 weeks from the close date. Underwriting would not approve the load which was easily pre-qualified for. They changed the loan to another type of loan ( using my personal Business bank Statements ) which hikes up my interest rate 1.4 points to 6.37 % - costing me over $ 1000/mo in payments. I feel that was predatory lending and I had to just take it or risk losing the house altogether I received my XXXX for for tax purposes yesterday XX/XX/XXXX. Luckily With my personal and businesses taxes ( due XX/XX/XXXX ) I filed an extension with the IRS. The cost savings with this late XXXX with mortgage deductions and deductible points, my tax liability was reduced by nearly {$5000.00}. I understand that it is law that all tax forms must be mailed out by XX/XX/XXXX. I can not help but feel that RECOVCO, out of some sort of malice or total incompetence, sent the XXXX out late. I also feel they purposely mislead me if the original loan was not going to to go through and expected all along to put my in a higher rate more costly loan. I would like to re-finance but I can not for one year. RECOVCO sold the loan the day of my close of escro. Essentially paying $ XXXX, primarily in interest for the first year to a company i feel cheated me out of that lower interest rate. 

I can attache photo of bar code on the mail, to prove the date scanned by the post office if that is required upon request, i left the envelope at home
Consumer complaint received 2019-03-22
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altitude Community Law P.C. (CO)

This complaint involves the property at XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX foreclosed via a sheriffs sale on the property. They foreclosed without a recorded vote or resolution appearing the board minutes as required by statute in Colorado. 
They acquired title to the property on XX/XX/XXXX. A deed of trust remained on the property tied to the property the borrrower is XXXX XXXX XXXX. On XX/XX/2018 they sold the property to XXXX XXXX via quit claim deed and transferred all of their rights in the property. On XX/XX/2018 XXXX XXXX XXXX XXXX contacted the XXXX County Public trustee and the attorney representing the previously mentioned deed of trust and disclosed to both parties they were the titled owner of the property. They requested a revised intent to cure and an extension of the sale date so they could have an opportunity to cure the delinquent amount. They continued to correspond with the Public trustees office and XXXX and XXXX as if they were the owners even though they sold it on XX/XX/XXXX. This fraud enabled XXXX XXXX to show up on XX/XX/XXXX and cure the delinquency for {$29000.00} which he didn't have a legal right to do. The public trustee assumed XXXX XXXX was the HOA and allowed it to happen. Collusion and fraud have occurred at the expense of the homeowner, XXXX XXXX XXXX, XXXX County Public trustees office, and the citizens of XXXX XXXX.
Consumer complaint received 2020-12-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: WLCC (WA)

I applied for a loan via XXXX XXXX, and was approved on XX/XX/2020 in the amount of {$1400.00}. I the funds were directly deposited to my checking account. I had all intentions of paying this debt. I had an issue with my account and the payment was declined. I tried multiple times to log into my account to set up and discuss other arrangements. On XX/XX/2020 I sent an email to XXXX stating that I still had not received a reply to discuss my outstanding balance. I finally received a reply stating that the defaulted loan had been sent to Apex Servicing an outside collection on XX/XX/2020. 

My last paycheck had a garnishment of {$340.00}. I was concerned because I have not received any documentation about this garnishment in the amount of {$2000.00}. Per my payroll department the " Writ of Garnishment '' was received on XX/XX/XXXX via Apex Servicing. I contacted Apex Servicing XX/XX/2020, they said because I signed and accepted the loan, once defaulted Apex had legal authority to submit a " Wage Assignment '' to my employer, which they have to abide by. I would have to pay the balance in full to stop the " Wage Assignment ''. I told the operator I have not received anything in writing via mail from " XXXX XXXX '' or " Apex '' that this was going to take place at all. 

I was willing to set up other arrangements. The only way I even found out was because my pay had a large deduction, and I started investigating.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Complaint Against Trans Union XXXX XXXX XXXX XXXX PA XXXX I was denied credit by two financial institutions based on misinformation in their report. I have attempted multiple times by phone and by internet to get a copy of my report and failed. I am complaining because there is no other way to contact Trans Union. They have failed to provide a copy of my credit report as required by law.
Consumer complaint received 2022-06-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/2022 I went to XXXX XXXX near my work & purchased a " SERVE '' by American Express card that I loaded with {$20.00} & paid a load fee of {$1.00}. When he tried to make a purchase it kept telling him that the transaction could not be completed. We called SERVE on the tele number on the card several times and they told me to go back to the store of purchase which was XXXX miles each way from our home & said they did not scan it correcty. But the store called their card company & was able to verify the purchase, date of purchase & the load amount. I was told it was an issue with the card issuer/Bank. So we called the bank SERVE several times again and was finally told to send them a photo of the Receipt from the store where ppurchased, a photo of the front & back of the card that was scanned at the store & copy of my drivers license. All which I emailed the same day on XX/XX/2022 to the email they provided to me for their " Activation Acceleration Dept '' of XXXX. They assured me they would respond with a resolution within 24 hours & thats been 3 weeks ago. I have tried to get a supervisor on the phone today for 4 hours & either they tell me they can not access my account & have to transfer me to another dept & then just disconnect my call or straight up hang up on me. This is not just about the money, this is more about principle and fair business practices & big companies like American Express should know better than to steal from customers & they need to make things right immediately! Thank you for your help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CO)

Tried to temporary lift a security freeze on my account via the experian web site. I did not have my password but the website did not allow me to reset my password. It said that is was locked and I should call XXXX. I called the number but get into an infinite call tree. I was unable to speak with anyone and I'm unable to do anything online since it says I am locked out and there is no way to get out of the lock out. Very irritating.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For TRANSUNION. These companies have fraudulently pulled my credit without my authorization. I believe this is fraud. I need these inquiries removed immediately or I will take further action. I have contacted these companies for weeks and nobody is responding to me. Please look into this as soon as possible. Thanks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-07-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (UT)

As of XX/XX/2022, I noticed my savings account which contains {$36000.00} was blocked. When I contacted citi bank, they would not release any information as to why. I spent hours with different departments. They only stated its set for closure and it will take 1 to 2 business days to review and 14 days to receive a check for my funds. After a week my online access has been blocked as well which also holds my credit cards linked to citi. Unfortunately, now I can not access my bank statements either. I called several times again to see about getting my online banking unblocked and ask about the review for my savings. This time they said they can not give Any information other than now it will take 60 days to receive my funds and that they can not unlock online banking This is very frustrating as I need access to my funds immediately. From what I have been dealing with from citi seems like they are trying to keep my funds. I need assistance in retrieving my funds back. I have also read of similar situations which makes this a big concern for me.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Medical Administrators, Inc (PA)

To whom it may concern sometime in XX/XX/2020 I ordered on line a product called XXXX XXXX XXXX just for $ XXXX for shipping only and I received one tiny bottle and after that did not receive anything after 13 days I did call to cancel seems like did not recorded ( as scam ) and all of a sudden I received at {$200.00} something from the collection agency Im trying to solve this problem they said u committed but this is on line scam probably they do that to everybody. So please contact me perhaps a lot of victims out there like this matter. Thanks
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Opened a Discover Card XX/XX/XXXX with 0 % APR and 23.99 % Cash Advances. I later closed my card in order to pay it off since I was laid off from a job. I had been making payments regularly and I realized my balance should be paid in full given the interest rate, amount paid, length of time I paid on the card. XX/XX/XXXX I send a certified letter requesting my initial agreement and statements. Discover card signed in acknowledgment of receipt of the letter. I was never sent anything. 

While I was waiting for the letter I requested I was sent a letter stating that I would be sent to an attorney for a lawsuit. I called and explained I was waiting on a response letter from discover card ; I think I'm getting charged the wrong interest rate, I am not sure I agreed to this, and I have been paying it for years. They lowered the interest rate and allowed me to make a one time small payment to avoid being turned over to a lawyer. They did affirm, multiple times, they will be sending my initial agreements, statements, and if charges were wrong it would be rectified. 

I finally received my statements in the mail, but not my initial agreement. My interest rate in XX/XX/XXXX was 20.24 % APR and 25.24 % Cash Advances. I called again, and they told me if they can find it they will send it to me. I ask " what if you can't find it? I don't want to take discover cards word that I was not overcharged '' they said another department will handle that. 

I have been trying to resolve this issue for a very long time. I just need validation of my initial agreement and if I have been overcharged I feel I should be reimbursed for the 7 years of being over charged. ( I was not getting statements in the mail and I am not sure what email they had for me, or I would not have had to demand my statements 3 or 4  times ).
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XX/XX/2024 I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE ATTACHED HERE THE REQUIRED Identity Theft Report IN COMPLIANCE TO THE FAIR CREDIT REPORTING ACT SECTION XXXX ( b ) I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Consumer complaint received 2018-04-10
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: Early Warning Services, LLC (TX)

OnXX/XX/XXXXI filed a dispute with XXXX XXXX XXXX on some information I saw on my consumer report. On XX/XX/XXXX, I received a letter stating the information was verified and nothing would be changed. I called in because my request to them stated that I had no knowledge of these accounts and they need to send me whatever documents that they verified their reporting with. Instead they sent letters basically saying it's been verified without the proof that's required according to the FCRA.

XX/XX/XXXX I called in and got a rep named XXXX  who told me that they have no right to see any documentation from the banks, " they just report it! '' He went on to tell me I should instead call the banks. I told him that I did have plans of contact the banks on the report, but as a CRA XXXX XXXX XXXX  was supposed to not only see signed documents prior to reporting this false data, but they were also supposed to be able to provide in the event of a dispute.I realized that he didn't really understand the severity of what he was admitting on that recorded phone call so I asked for a supervisor. He told me that a supervisor was not available at the moment and I told him I could hold. He said I could hold and ended the call.XX/XX/XXXX I called back in to EWS got a rep named XXXX. When I asked her for a supervisor she offered to help me in attempts to deescalate the call. She was more crafty than XXXX with her wording, but offered the same option to contact the bank directly because " they have no business seeing things between me and the bank ... they only report it. '' It seems that's all they train their reps to say.

So hear I am to file a complaint in hopes of getting these accounts that were started without my knowledge off of my XXXX XXXX XXXX  consumer report. It is unfair and unlawful to report inaccurate information that has such great impact on consumers. I am asking that you not only intervene to make XXXX XXXX XXXX  investigate the accounts they report and obtain verifiable proof, but to also make them aware of what federal laws apply to them as a Consumer Reporting Agency.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC. (MO)

I applied for a loan several weeks ago. I have never received any loan paperwork, so I assume they denied it. But I also have not received a letter explaining the denial. So I need either loan or the reason they denied it.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CT)

In XXXX of XXXX my father gave me XXXX XXXX XXXX XXXX XXXX  ) to manage his finances due to his XXXX. Shortly after getting the XXXX, I reached out to Discover to cancel his card as he no longer needed it while in a XXXX home. I spoke with a Discover customer service representative who helped me to pay the final balance on the card. This representative also gave me the email to which I should send the XXXX and request to cancel the card. On XXXX XXXX I sent my XXXX as well as the last XXXX digits of my father 's social security number and the last XXXX digits of his Discover Card account to the address provided ( XXXX ). At that time I explained my father 's XXXX and requested that the account be canceled. 

I am still receiving bills on this account. Discover has not closed the account and is allowing companies to either charge the card with recurring charges or they are allowing someone to use the card which is allowing fraud to occur. This despite the fact that I keep calling and emailing and trying to confirm the cancelation of the card as of XXXX of XXXX. In my latest call, I was told I needed to " dispute '' a charge which I refused to do as the account should have been closed. I should not have to dispute a charge that Discover fraudulently allowed on an account that was closed. 

They apparently recognize the validity of the XXXX as they have changed the address on the account to my address. If they recognized the XXXX as sufficient to make changes on the account such as a mailing address, they should have also recognized it for purposes of canceling the card and closing the account. Instead, they have allowed charges, keep charging late fees on top of the unlawful charges, and keep sending bills to my address. 

I am submitting the original email to the XXXX department of Discover from XX/XX/XXXX as well as a follow-up email I sent on XX/XX/XXXX. 

I just need someone to help me get Discover to stop contacting me and stop trying to collect amounts that they fraudulently allowed to be charged to the card.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has lead me to believe I may be victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notifications or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PTF document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2022-02-11
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

i was on CFPB a few months ago complaining to bank of america and now we are back here again!! they told me that they would shut down my card and leave me alone at a XXXX dollar balance and now i'm at a XXXX dollar balance!! where is this coming from???? why am i being charge for no reason!!! 


Bank of america will continue to harass you!!! 

i'm in the XXXX XXXX military this isn't right!!!
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank.

Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/23 ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/23 when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to dispute the fraudulent accounts that have appeared on my credit report. Upon reviewing my credit report, I discovered several accounts that I did not open or authorize. These unauthorized accounts are damaging my credit score and reputation, and I demand their immediate removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX