davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}
Consumer complaint received 2021-10-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I sold my home and closed early XXXX. I had over {$2500.00} paid into escrow that needed to be refunded. I called my servicer and I was told the check was cut on the XXXX of XXXX. Ive called 3 times to ask for an update and today ( XX/XX/22 ) I was told I should wait another 2 weeks. I feel like there should be some kind of maximum time frame a bank has to refund money and if they dont, I should be paid interest.
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (FL)

We took out a loan with XXXX XXXX on XX/XX/XXXX, and they required escrow for taxes and insurance. After paying for a year we requested being allowed to stop paying escrow, and XXXX XXXX told us that, because it was a XXXX XXXX Loan ( which we were not aware of ), we had to pay escrow for a total of two years before being eligible to stop paying escrow. 

XX/XX/XXXX, we were notified that the loan had been transferred to Ameris Bank. In XX/XX/XXXX, when the two years of paying escrow was finished, we requested Ameris Bank relieve us of the necessity of paying escrow. I have a very large amount of assets, a credit score over 800, and have never ( in over 40 years ) not paid a mortgage, property tax, or insurance bill. They rejected our request for two reasons. One was because they, not we, had allowed the escrow account to go negative ( {$730.00} ) for a few weeks, and the other because they claim that they require 5 years of escrow before we are eligible to stop paying it. Loan # XXXX. 

We have been going back and forth with them since XX/XX/XXXX of last year, and they continue to insist on five years. But, despite a multitude of requests and phone calls from us, they have been unable/unwilling to produce anything in writing with either of our signatures, whereby we agreed to payescrow for five years. The only thing the lending documents says about escrow states " Lender may  waive Borrower 's obligation to pay to Lender Funds for any and all Escrow items at any time ''. 

The letter from Ameris, attached, has been sent to us unchanged, multiple times. I have spoken to Customer Service Reps, and Supervisors, multiple times ( first time to XXXX on XX/XX/XXXX, and most recently XX/XX/XXXX I spoke to XXXX at XXXX.
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I called and spoke to Capital One on the XXXX of XXXX explaining that I had difficulty paying the bill because I lost my father due to XXXX and I had to pay for his funeral expenses and the representative told me that she will work with me so you gave me three different options and I chose one of them and it was for 3 payments of XXXX for the next 3 months, so I went online to check my balance and I see that I was charged a late fees and Im like why would I asked for help and still get punished with a lot of fees that will accumulate on the account this company is really making things hard for me and my time of bereavement and I called and it was no help at all with the company
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (FL)

XX/XX/20 : Noticed I had unauthorized charges made with my card and contacted XXXX XXXX Support to file a complaint/dispute. They said the charges haven't cleared yet and to contact them to file a dispute when they do clear. 
Charges : XXXX XXXX XXXX : {$42.00} XXXX XXXX XXXX : {$51.00} XXXX # XXXX : {$92.00} XXXX # XXXX : {$120.00} XX/XX/20 : Charges cleared so I contacted Instant Financial support again and filed my dispute. They emailed me a dispute pack to fill out and to send it to a third party company named Incomm. I received and filled out and sent the dispute pack that same day to Incomm. 

XX/XX/20 : Incomm emails me saying the investigation is complete and that they did NOT find any unauthorized uses and said my money will not be refunded. They provided a contact email if I have any questions regarding their decision. I attempted to email that address provided and I get an instant response from the mail post server saying the email address I attempted to send to has a mailbox that is full and to try again. I attempted to contact the email address several times and still get the auto response saying the mailbox is full for the email. ( XXXX ) XXXX XXXX XXXX again to see why my dispute was denied and they said I have to contact Incomm via the email address that has the full mail box. ( XXXX ). I told them that I get an instant response saying it wasn't delivered and they told me to keep trying ( which I did and have ) and refused to give me a phone number to XXXX XXXX Dispute department and Incomm 's Dispute department.
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (SD)

The company started foreclosure proceedings, through an Utah attorney, after mailing all communication to a wrong address. I finally got the foreclosure stopped after many hours on the phone with lender 's customer service representatives. Many hours of lost work and stressful given I'm still unable to obtain access to certain credit capacities with this falsely reported derogatory information on my credit reports. 

The lender has provided written acknowledgement that the lender wrongly reported the derogatory information and also provided internal company information noting their error. Additionally, the lender in writing informed me that the credit file would be corrected over a year ago but still continues to report such. I've also opened disputes with all 3 credit bureaus the the lender won't remove the items from my credit bureau.
Consumer complaint received 2021-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I was alerted by the credit monitoring service XXXX that a hard pull was done at TransUnion ; the name of the creditor doing the pull was not disclosed. I should also say that I have been getting a lot of mysterious calls from what appears to be scammers asking me for a bank account to deposit funds into, but that is another matter. 

In any case, I contacted first TransUnion customer service, and then executives of TransUnion : XXXX XXXX XXXX XXXX to get this removed, but these executives have refused to assist me after repeated attempts to contact them, only giving me a telephone number which is basically customer service ( and thus useless ).
Consumer complaint received 2021-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (VA)

I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).
Consumer complaint received 2018-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. (TX)

i have an account with COINBASE so i was trying to get refunded thru bit connect with customer support and what they did to make it easier THE process they guided me on a share screen and needed my wallet address TO REFUND they made me send like $ XXXXto XXXX next thing it happened they empty my XXXX   account from COINBASE for about XXXX XXXX coins value at over {$34000.00} on XX/XX/2018 called 10 minutes after it happened to coinbase and they gave me case number XXXX and they locked my account right away and said a specialist would take over i only have a confirming email stating that somebody will get in touch soon i called again on XX/XX/XXXX and they say they got no response and was never seen by level 2 specialist and They were gon na put a higher priority so it can be contacted and no time frame at all being that i called after 10 minutes and when i tried cancelling online i wouldn't have an option to cancel luckily found the XXXX number thats when i called so I'm really desperate for help looking at previous reviews they said it could take months to get it resolved so just trying to get ahead and see i was hoping transaction will be cancelled since large amounts it could take time to be released so 10 minutes should've been more than enough I'm waiting for my account to be reopened with all my funds included if you can intermediate so get this issue resolved it will be greatly appreciated and if you have any suggestions on how to handle this org if i need to report to police authorities
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (NJ)

I have ordered a citibank mastercard and it has been more than 3 weeks and it has not arrived. However, the mobile app says I should have received my card about XX/XX/13. This is highly unusual, so I suspect it either got lost, or worse compromised. Or.. they never sent it. 

I decided I want to report it, and get a replacement. I attempted to contact the XXXX number they have on their website, as well as use the... ABSOLUTELY USELESS 'help ' they have on their website, and It seems like it's designed to purposely avoid helping anyone at all. Every selection have gatekeeping that require the card 's information in order to proceed in the menu. It's the most infuriating customer experience I've ever had. 

So now, *IF* something were to happen, I can't " lock '' my card in the app because it isn't activated and I can't get ahold of anyone because of their system to manually address this issue. How is this legal?
Consumer complaint received 2021-10-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (PA)

Santander fraud was opened on XX/XX/2020. I have tried contacting this company several times via affidavit of truth sent directly to the consumer relations department over the past year and they have not sent me the title to my vehicle or my information which has been reporting to the consumer reporting agencies, even after I have sent them numerous notarized documents proving that this alleged debt did not belong to me and was a part of identify theft.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I complained XXXX of 2020 about incorrect information of late payments on my credit report and did not hear back from Select Portfolio Services regarding the problem. I sent to them copies of my bank statements as proof that I had made my payments on time but got no reply. 

My name is XXXX XXXX. Account XXXX and XXXX. Select Portfolio Services assigned these numbers to my accounts ( Consumer Credit Report : # XXXX ) XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CO)

Source Receivables Management sent a debt collection letter for a debt that I've already settled. They told me that I could dispute it, and that it would be put into review. I have not received any further written information from them, even after I told them that the debt was settled in full and I have a settled-in-full-letter. They didn't provide an address to give the letter to, they just sent a negative report to credit agencies. Then they called me and attempted to collect again on the debt. When I first discussed this with them, they blamed XXXX XXXX XXXX for not reporting the debt settled, and XXXX XXXX XXXX blamed Source Receivables Management.
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is saying im late when i am not when i dispute they added another late mark showing XX/XX/XXXX late 30 days when my payment was due XX/XX/XXXX so im not 30 days late
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have had this checking account with Bank of America for over 30 years. 

I deposited a cashiers check for the amount of {$3900.00} on XX/XX/25 ( Security deposit for my rental also held by bank of america ) The cashiers check is a Bank of America Cashier check There is a hold on my account for the full amount of the funds for three business days I attempted to call them to verify the deposit and the funds since it is both a Cashiers check and a Bank of Americas Cashier check, they said no its our regulation. 

I spoke to the supervisor named XXXX from Texas employee ID XXXX.
Consumer complaint received 2019-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (IL)

I wondered why my balance was not going down. I know I have a large balance, but I have been paying {$600.00} plus payments for months. I looked at the back of my statement to find that I have been charge for XXXX protection plan. The charge was {$210.00}. I called Citibank and they referred me to XXXX. I call them and told them to stop taking out the payment. I asked them when I agreed to this plan and they told me XXXX of XXXX. I do not recall ever signing up for this program. I called XXXX again and asked them to send me some kind of paperwork where I agreed to this plan and I have yet to receive any thing from them. This was the end of XXXX XXXX. I have been charged for this protection and I know I didn't sign up up it. I was paying so much that I was not going to add to the payment.
Consumer complaint received 2022-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is not sent in by error. I am a consumer by law and my information is being misused and now I have some false not 100 % accounts on my credit report. Unauthorized used of my credit report.
Consumer complaint received 2021-10-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

Every month the last 2 1/2 years XXXX XXXX until today XX/XX/XXXX, I have a late payment status. Every other month this reflects on my credit here as a homeowner for 17 years. This mortgage company has been saying I am late on paying every month. I should have an 800 credit score I only have at XXXX & have never been late. I have all documents that state when all payments have been paid. I have nearly been homeless because of these issues.
Consumer complaint received 2022-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX and Experian listed a charged off account from XXXX XXXX on my credit report the end of last year, XXXX. I disputed the information and asked for them to send proof that I indeed did own the account. They couldn't provide me with the information therefore they deleted it from my account in XXXX of XXXX due to no findings or proof. Then, in XX/XX/XXXX the account reappeared back onto my credit report and when I filed a dispute now they're saying the account is valid but sent no proof of showing their findings, just that it's valid. The inconsistency of their reporting shows how it can not be trusted. I ask that XXXX and Experian delete the XXXX XXXX charge off from my account immediately if they can not provide me with a contract or proof that I own the account.
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (SC)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-26
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: EQUIFAX, INC. (MO)

I have noticed that XXXX have placed an inquiry on my EQUIFAX credit file dated XX/XX/2022. On multiple occasions I requested XXXX and EQUIFAX to verify these inquiries. They have yet to do so.