davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
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: CITIZENS FINANCIAL GROUP, INC. (CA)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at Citizens One. I did not open or authorize this account, and I have sent a request to Citizens One asking that the account be closed immediately. I also request that Citizens One absolve me of all charges on the account, and that they take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. 
I've attached a copy of the Internet Crime Report form that I completed on this matter. 
When I called the phone number ( XXXX ) that is printed all over the citizen 's one bill that came in the mail it went into a voicemail box that was not professional, just a message to leave a number and when I called now it's a 'the number can not be completed as dialed. 
Thank you, XXXX XXXX
Consumer complaint received 2022-02-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (AL)

Our house was built in XXXX. We refinanced our house in XXXX of XXXX for the purpose of cutting monthly expenses. Our interest rate wasnt bad. They used our closing tax amount ( taxing land only ) for our projected taxes on our refinance. The document they received from the title company clearly states that the value of the taxed property is {$39000.00} and the person named is the name of the land developer who owned the parcel before our home was built. The amount used was {$420.00} and should have been approx {$1400.00}. According to the TRID rule, the mortgage company is not held liable for the taxes changing, but the amounts projected should be based on factual and reliable estimates. There is no circumstance where a {$39000.00} parcel of land would be an accurate substitute for {$250000.00} home. As a mortgage company, I put the responsibility on them to make sure the amounts seem accurate, which a quick look at the county tax info and our home value should have told them it wasnt. Or even reading the details of the document they were using which clearly states that the amount listed is land value. 
We made payments for four months at the quoted new payment amount before we were notified that the escrow account was insufficient and they would be adding on to our monthly payment temporarily for the error and long term to maintain the higher amount. 
Because of this error our payment is now UP approx {$160.00} per month and once escrow is recovered will only be approx {$30.00} less than our original payment ( before refinance ). Of course we wouldnt have refinanced to save approx {$30.00} and they also added approx {$5000.00} in fees back into our loan. 
I called the customer service and spoke to escrow, who then directed me to refinance. The refinance dept tried to claim they had done nothing wrong and could do nothing else, but said they would check with another department and get back to me. The refinance dept supervisor called me back to say he had spoken with the escrow and consumer services departments and they also believed there was nothing they could do at this point. 

I am reporting them because I feel like this is either negligent or fraudulent business practices to get customers to refinance.
Consumer complaint received 2022-08-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXXXXXX 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.
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (TX)

On XX/XX/XXXX, I applied for a credit application at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and entered into a consumer credit transaction with Ally Financial. At the time of the transaction I was an uninformed consumer, unaware of my protected rights, and unaware of the fraud being committed against me by the dealership and Ally Financial. I recently became aware of this fraud and the many violations by Ally Financial, and I contacted them via mail and over the phone to dispute the alleged debt tied to the transaction, and mailed a letter disputing the alleged debt, and informing them that I was rescinding the consumer credit transaction., and shortly after on or about XX/XX/XXXX, Ally Financial used XXXX XXXX  to unlawfully repossess my car from my son 's private, paid parking location in his parking garage. Ally Financial never provided me with the required validation of debt pursuant to 15 USC 1692g, nor did they provide me with the required disclosures in connection with a consumer credit transaction as required by the Truth In Lending Act, and Regulation Z 12 CFR Part 1026. I will also attach a copy of the " NOTICE OF RESCISSION '' that I mailed to Ally Financial at the address that I have for them per the contract XXXX XXXX XXXXXXXX, XXXX, Maryland XXXX, XXXX XXXX XXXX XXXX, Minnesota XXXX as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, Michigan, XXXX. Let this also serve as a notice to Ally Financial that the consumer credit transaction associated with Account # XXXX, VIN # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, is hereby RESCINDED pursuant to the Truth In Lending Act 15 USC 1635.
Consumer complaint received 2022-08-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, 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.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (GA)

Yesterday, I asked a question in the Rocket Mortgage chat function regarding a potential new mortgage ( second home ). After three transfers, I still didn't have an answer so I gave up. No problem -- just XXXX customer service. 

Today, I've had three phone calls and two emails trying to get me to refinance my existing mortgage. I went online and tried to get it stopped. All I got was more XXXX service. 

I will continue to make my payments on my existing mortgage but I want to stop receiving unwanted solicitations. I've tried marking their communications as trash online but that isn't helping -- and they will occasionally have legitimate reason to contact me via email on the existing mortgage so I can't block them entirely.
Consumer complaint received 2022-04-14
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. (GA)

I filed a dispute with Experian for identity theft/fraud and requested that the information be removed or blocked. They refused to do. I filed a complaint with the CFPB last week and experian updated the dispute today indicating that the information had been verified however when i called they said it was ongoing and they wanted me to submit a police report or FTC report to which I had already submitted to them as well as attached to my CFPB complaint from last week. When i spoke the rep today he indicated initially he saw both the ftc and CFPB complaint however then he said he only saw the CFPB complaint and couldnt remove the account without a police report or FTC report. I tried to submit the documentation with the experian.comXXXX  site however after two tries that were unsuccessful i tried using the experian dispute option thru the app and website and that didnt work and the only other option was mail which i am not doing as i am not waiting anywhere near that long. 

So i am submitting yet another complaint and dispute about the issue as well as i spoke to another rep in the fraud dept. who detailed all of this including my intentions to file a lawsuit for FCRA violation if the account is removed within 48 hours. I have been beyond patient. So if Experian wants to waste the time and money going to court im all for it. 

Account in question is listed a collection : XXXX XXXX  XXXX Original creditor : XXXX Date Opened : XX/XX/2021 Balance : {$5500.00} I am also adding XXXX in this as well seeing as I just checked my report with them and it still has yet to be removed as well. So they have the same timeline before i file suit.
Consumer complaint received 2021-08-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I was sent money from XXXX on XX/XX/XXXX and I tried to collect on XX/XX/XXXX was told the key was incorrect. My sender goes to the location and is told it is accurate and should be able to collect. I go again and im told my key is incorrect, that all key are 8,9, or 10 digits and mine was 11. I call customer service and I'm told its my sender that should call and that they cant help me. My sender calls and they tell her the transaction is inactive and i can now collect. I try again but I'm told the same thing. By now i call the location and we are told the system created an error and our options were to cancel and re-send, however we would not be refunded the fee. I don't accept that and call the XXXX customer service and ask for other options and they state that the only way to fix it would be to cancel, but that the fee would be refunded. I agree and we are told to wait 72 hours, which would be XX/XX/XXXX. I call XX/XX/XXXX and it is still not available and we are told to wait another 72 hours. I called monday XX/XX/XXXX and is still not available and i was told to wait 72 hours but to call Thursday.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

phone number is XXXX XXXX XXXX This is began back in XXXX with a text message asking me if I approved a {$3500.00} XXXX  transaction. I immediately replied " NO '' and immediately called my bank ( bank of America ). 

While contacting the bank, I received a phone call from at the time was assured it was from Bank of America because it showed up on my caller ID with the correct number of the bank and showed bank name. 

That's where it all went downhill. I was instructed to XXXX my own name to get the money back, then instructed to do it again using the case number.. 

When this transaction was completed,, I was instructed not to go back to my account for 24 hours. At that moment I once again called Bank of America and explained what just transpired. 

I spoke to XXXX in Texas in the fraud department, I was immediately informed the account was frozen, when the investigation was complete ( 45 days ) my money would be sent back to me in increments. 

I contacted bank of America numerous times during the 45 day investigation. 



On XX/XX/XXXX, I was told my claim was denied and Bank of America will NOT be refunding any of my money! 

I requested to speak to a supervisor, XXXX ( senior claim person ), Who gave me the same XXXX 

I then requested to speak to her manager ( XXXX XXXX ) to this date NO ONE HAS CALLED ME BACK! 



I have filed a claim with IC3.GOV XX/XX/XXXX as well and have not heard back from them as of yet. 



Please understand the only reason I even had this much money, is because it was left to me when my mother passed away. 

I am living on a fixed income and desperate to get this money back i BELIEVE BANK OF AMERICA IS RESPONSIBLE BECAUSE The initial phone call came up on my caller ID as bank of America so how in goodness was I to know it was a scam! Their customer service representative told me the account was frozen and my money would come back to me in increments. 

Thank you for all your help
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A business credit was opened under a corporation with Bank of America. I was the authorized representative of the company. 

The credit card was always paid on time until the pandemic. The business did not survive the pandemic and closed. 

Bank of America has been taking funds from my personal account which includes my reliefs payments from the pandemic. 

Bank of America has taken {$2200.00}, wiping out my bank account. 

According to Bank of America, there is a fine line in the business credit card agreement that states if the corporation is unable to pay the credit card for any reason, the authorized representative of the company would be held responsible and their personal funds would be used to offset the corporations debt. I have asked Bank of America multiple times for a copy of the agreement that was signed but they have been refusing to provide me with the signed agreement they continue to state allows them to deplete my personal account. 

In speaking to Bank of America, they have stated they will not be returning my funds and I find this misleading to consumers who agree to be authorized representatives on corporate accounts. In addition, I think that it is improper for Bank of America take this type of action against consumers during a global state of emergency.
Consumer complaint received 2022-08-31
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. (LA)

XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( I need these disputes closed and removed from my credit reports. I am trying to get approved for a mortgage and they can not move forward with this process until all the disputes are closed and removed off my credit reports. XXXX XXXX XXXX ( XXXX ) I need the disputes closed and removed from my credit reports. XXXX XXXX XXXX ( XXXX ) This account also have disputes open that need to be closed and removed from my credit reports. I have contacted XXXX, XXXX and Transunion several times and instead of the disputes being closed and removed. They are opening new disputes on m y credit reports. I am trying to to get approved for a mortgage and this is keeping me from moving forward with the process. Please assist me in this matter.
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Hi, Yesterday, XX/XX/XXXX, I attempted to access my online back account with Bank of America yesterday and I received a " there is no account connected to this username '' error. I have had my personal checking with B of A for 23 years. I called and they said my account was being closed, no reason and no resolution to be had. I explained to them that the only reason I even checked the account is because I am closing on house friday XXXX ( as I type this it is wednesday XX/XX/XXXX ), so without that money I can not close on the house and I have nowhere in WA to live as I am out of my current house XX/XX/XXXX, so was hoping to be closed and have a small window between ( because of the XXXX  weekend I dont know if anything would hold up the closing ). 
so after calling the " account closures department '' alone and with a Bank of America branch manager, I am being told that I can't have my money but instead must wait 5-7 business days to have a check mailed to me via USPS, and agin- I am set to close on my house in 3 days. 
I put in requests for access to my funds both alone and with the branch manager who said she could see the monies in my account, but it was frozen so she had no access. 
by the 3rd call, the account was closed and I was told that I was out of luck and its policy to close accounts without notice. 
the real kicker is that my distribution check of {$40000.00} from the company that I own was deposited at the bank branch by my CFO not 1 hour prior to me learning about the closure. so the account was restricted and set to be closed, but they still allowed a {$40000.00} check to be deposited into my account, and they will not give me access to those funds either and said that it will go through the same refund/closing process and that sum will be mailed separately. 
I also have been denied any access to my account so I can not view any records. I need to itemize purchases for taxes and I need to be able to see what auto-drafts come from this account so I can change it and disrupt my life as little as possible. I have so many things that automatically come from this account - like I mentioned I have had it for 23 years. 
how is this fair? Iget countless emails from them daily, and never so much as an email that just says I should check the status of my account? and then once I learn about it, the day before it is officially closed, they will not grant my access to get a cashiers check from a branch so that I can close on my house. It seems very sneaky that they would allow deposits after unexpectedly closing my account, and then refuse to allow me access to my own money, and instead insist on sending {$420000.00} in a paper check, in the mail. so that I will need to deposit those funds into another bank, and without knowing why my account was closed I couldn't possibly know how to prevent it from happening at anther institution. please help.
Consumer complaint received 2022-08-31
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX have 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 2022-04-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC. (NV)

I was driving to XXXX from XXXX XXXX on XXXX. About XXXX miles away from XXXX on the hwy, I was hit with a gust of wind that blew off my latched pop-top slide-in truck camper. The roof which was harnessed down factory standard with latches was blown off with the gust - act of God- and the car behind me ran into the fallen roof. There is video evidence. 

We exchanged insurance information - well almost a year later, i'm receiving calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on multiple days [ XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 ]. XXXX and XXXX both threatened to sue me through civil action as a subrogation office, threatening to take my driver 's license away. 

I immediately told them to go take a hike, contact my insurance provider and stop calling me. They've continued to call and threaten me. I've contacted my insurance provider all state whom is trying to act on behalf of me but they keep stating XXXX XXXX shouldnt be calling me directly.
Consumer complaint received 2022-04-14
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. (NV)

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment story that is being shown in my report. Please update the status of this account immediately. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (LA)

In 2014, I received a home improvement loan from Navy Federal Credit Union in the amount of {$20000.00}. 

On last month, I reached out get a payoff for the loan and the amount due was more than I originally received eight years ago. I spoke with several representatives asking for an explanation detailing how the current balance is more than what was borrowed. I asked for an audit of the account to be sent to me for to understand my indebtedness. 

As of today, I have not received any communication of any form regarding my account.