davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Complaint is in regards to Bank of America 's misleading and deceptive loan practices for customers seeking to refinance their home mortgages and pulling a customer 's credit score without authorization. Prior to 'locking-in ' a refinance rate with Bank of America on XX/XX/19, I was assured by a Bank of America Snr . Mortgage Lending Officer that Bank of America would " beat '' another lenders offer and highly encouraged me to seek competing quotes. As an existing Bank of America customer, this was appealing because it ensured I had the option to shop around. Two such quotes I received were more competitive than Bank of America 's. One was granted the exception on XX/XX/19 and even though the same Sr. Mortgage Lending Officer assured me that the second exception would be obtained ( emails attached ) -- it was ultimately " not approved '' on XX/XX/19. This deceptive practice then forces the customer to decide if they pay a higher rate, or waste the time, money, and negative implications to their credit by beginning the process with the other lender. While I believe I was blatantly mislead over the course of my dealing with Bank of America, I no longer trusted them and will now incur the loss of {$1100.00} cost for an appraisal, 3-months lost savings from the better refinance rate, negative impact to my credit due the hard inquiry, and potentially higher refinance rates/costs with the other lender due to dynamic market conditions.
Consumer complaint received 2019-01-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION (FL)

I have a HELOC with Third Federal Savings & Loan. My required flood insurance with XXXX renews every XX/XX/XXXX. Third Federal issues me a Notice of Flood Insurance Requirement on XX/XX/XXXX stating my flood policy has lapsed. They state I have 45 days from the date of the letter to rectify or be charged by them for a policy. They immediately charge me {$67.00} on XX/XX/XXXX. I provided my policy showing no lapse in coverage ( old policy XX/XX/XXXX-XX/XX/XXXX new policy XX/XX/XXXX-XX/XX/XXXX ) via their online portal. I also have XXXX sent copies of the policy. I call their XXXX number to verify but they still insist my coverage lapsed from XX/XX/XXXX-XX/XX/XXXX. I resend the policys, I have XXXX resend the policies, no luck. I go into a local branch in XXXX FL and show the representative the policies. She forwards the copies to their main office and then calls them. They STILL think I should be charged the {$67.00} even with all the documentation. They also see nothing wrong with breaking the law ( or even following their own verbiage in their letter ) and not waiting 45 days after XX/XX/XXXX before charging me.
Consumer complaint received 2018-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I placed an dispute onXX/XX/XXXX asking for an verification of the dispute on XX/XX/XXXX which was on a Sunday. Then on Tuesday XX/XX/XXXX I receive an email stating dispute was completed except when I tried to contact them at XXXX  it would not allow me to speak with a live representative. So how did the verify anything with no documentation
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (GA)

Affidavit of Fact dated XX/XX/2018 Writ in the Nature of Discovery stating that House Joint Resolution 192, Article I Section X of the U.S. Constitution, and Clearfield Doctrine give me a right to pay my debts in Gold or Silver for which there is no such currency in America. I have conducted a XXXX XXXX XXXX XXXX XXXX to add as evidence of their being no debt under the name used in or on this account given from Discover Bank along with a Court Ordered Adult Name Change filed as completed. XXXX XXXX XXXX has also sent a letter stating that their going to charge off the account by Grantor when their are the Obligated party to pay such debt as mentioned in my Affidavit of Fact which went uncontested For the Record that falls into Default Judgement as well.
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo cut off my XXXX payments before the 36 months the policy promised. My start date of XXXX benefits was XX/XX/XXXX. My payments for 36 months should originally have terminated at the end of XXXX. Because of my age ( XXXX when benefits started ) and another special criteria, XXXX XXXX, the policy allows an additional 12 months of benefits beyond the regular ( due to my age and XXXX XXXX  ) I should have been paid through XX/XX/XXXX. See attachments for Plan criteria. 

Although my treating doctor asserted that I was still XXXX a separate unqualified doctor hired by Wells Fargo, stated that I was not impaired. My doctor was a specialist and their doctor was not. They paid her {$840.00} to write two paragraphs to the banks benefit to deny the benefits. The adverse claim denial letter and the claim file both showed my doctors reports through at least XX/XX/XXXX ( my treating doctor sent XXXX pages of medical documents on XX/XX/XXXX ). I was not notified of the denial of benefits until XX/XX/XXXX XXXX also requires employers to provide a summary of material modifications to plan participants. This summary contains information about major changes to the plan and must be sent to plan participants within 210 days after the end of the plan year when the changes were made. I did not receive the summary of material modifications and spent months attempting to just get a copy of the original Plan. 

The XX/XX/XXXX version of the Plan document ( WF Policy ) eliminated the reference to special mental health conditions that allotted for an additional 12 month of benefits. I was qualified for that special consideration. But the copy of the Plan sent to me in XX/XX/XXXX did not contain the paragraph referencing the special conditions and its removal was not documented in the amendment section at the back of the document. It seemed that the material had just disappeared. I looked up the employee copy of the XXXX in the employee handbook in XX/XX/XXXX and the section was not remove in that document which is supposed to mirror the Plan, ( the document in the employees handbook ) The XX/XX/XXXX official copy of the Plan did not document the removal of the special circumstances section. The amendment section in the Plan is required to document all additions, changes and deletions when changes are implemented. Wells Fargo failed to do so.

W
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Welcome bonus discarding. 

In XX/XX/XXXX I applied for American Express Cash Magnet Card, I was approved and spent described amount of money for welcome bonus. 
I did not receive welcome bonus. 
After multiple attempt to determinate cause of issue, I had phone conversation with customer support XX/XX/XXXX 25min, XX/XX/XXXX 42min, XX/XX/XXXX 35 min, finally only at XX/XX/XXXX I received clear answer that i am not eligible for that offer because I have another card with American Express. 

In agreement " OFFER TERMS Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' Complains : 1.Not described clearly that this offer valid only for new customers. 
2.It takes 3 months for customer support to give me answer why offer was declined.

3.I didn't receive any notification that my application was approved without bonus.
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Sync Bank, Walmart, XXXX XXXX I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you Sync us my name and sale alleged account to XXXX XXXX, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (IL)

This company continuously dialed my phone number after being told not to, in direct violation of the telephone consumer protection act. Moreover, I did not give this company any permission to EVER call me, nor did I provide this company with any number to call me. 

Next, I do not have a direct contract with this company for which they are attempting to collect. Moreover, they have reported this erroneous account to my credit file, which is negatively impacting my credit score, during the midst of a COVID-19 Pandemic.
Consumer complaint received 2021-08-21
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. (TN)

I have inquires on my Equifax Credit Report that I do not recognize and Equifax refuses to remove these from my file. They told me to contact each creditor specifically in which I did. The creditors told me I had to contact Equifax and they were the only ones to remove these. I contacted Equifax again and they refuse to remove these. I stated numerous times that according to the FCRA if these inquiries were unauthorized that legally they had to remove them and once again they refused. 
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2022-09-01
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. (CA)

Recently I have noticed some incorrect information on my credit report. I have reached out to Experian, XXXX, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (MI)

Yes there's a company on my credit report that I don't know. I asked the creditors to have them to provide the I.P address and they couldn't but still on my report when I gave them 30days to give proof. The company is Midland. They need to give the information that I asked them to give to the creditors but hasn't and still on my report I asked to be removed immediately.
Consumer complaint received 2020-06-05
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterwards I just got a duplicate drivers license and a copy of my social security. Several years later I'm receiving letter after letter of several unpaid for accounts that I have never open. There's a fraudulent account open that I am not near familiar with. These accounts are not mine, please remove it.
Consumer complaint received 2022-09-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Acct : XXXXXXXX XXXX XXXX XXXX XXXX Billed for service not rendered XXXX XXXX XXXX. Original bill show service fee XXXX XXXX XXXX. Disputed claim as false attestation of service rendered claiming fee for service by XXXX XXXX XXXX. 

3rd bill came out and was changed to another party being a XXXX XXXX and XXXX XXXX billed me the same rate for XXXX XXXX. 

Therefore I am filing a dispute for false claims.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I had a bankruptcy fall off my report and my score went up 60 points. A week or so later, my score went back down the exact amount of points. I looked at my credit report and the bankruptcy is no longer there, so why didnt my credit score go up and stay up?
Consumer complaint received 2022-09-01
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. (OH)

This is the second time I had an issue with this mortgage company reporting my account as delinquent. I tried both times to reach out to XXXX XXXX and neither time have they made an effort to resolve the issue. The first time, they took over my mortgage from another lending company that sent them my payment that was already made to previous servicing lender. The payment was sent over to XXXX XXXX  after 30 days and I tried to explain to XXXX XXXX the payment was made and previous lender advised me not to make double payment and they reported my account past due to credit bureau. Recently, I have never been 30 days past due with XXXX XXXX and thought payment was made and when I realized it wasn't I submitted payment immediately which was XX/XX/XXXX and XXXX reported me as delinquent. When I called to resolve to have it taken off in good faith they declined to offer any help. I am great at paying my bills. Their reporting caused my XXXX credit score to drop XXXX points. Account is current. I believe XXXX XXXX should be more fair to consumers in regards to financial reporting.
Consumer complaint received 2021-08-21
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. (CT)

Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Dear Customer Claims Department, Fax XXXX On XX/XX/2018 two fraudulent transactions were processed on my debit card. 
In the Chase transaction report it shows as a XXXX CA gas station. 
{$390.00} XXXX and {$420.00} XXXX. I have never been to XXXX  CA, I never make large gas purchases and never make debit card purchases at middle of the night hours. Im not sure why it wasnt flagged as fraudulent and declined. 
We notified chase the same day XX/XX/18 while the transactions were still pending. After researching the claim our claim was denied stating the pin was entered and the card was somehow present. There is no possible way my card could have been there since it was in my wallet at home. I have never given my pin out to anyone. 
I have contacted the local XXXX police Please see attached proof that I was in XXXX and refund my account {$810.00} ASAP. 
Attachments : XXXX XXXX Records Work Time clock Customers/witness Tanning Report I have been a Chase Client for many many years and currently hold 6 Chase Bank/Savings accounts and 2 Credit Cards. I have never had any incidents in the past. Please make this situation right and restore my confidence in Chase Bank.
Consumer complaint received 2019-01-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Coradius International LLC (AZ)

I received what I believe was a scam call from XXXX at XXXX XXXX   on Wednesday, XX/XX/2019. I did not recognize the number. So, I did not take the call. The caller ID on my telephone identified the caller as " American Coradi ''. Later, I realized that there was a voicemail message from the caller on my phone. When I played the message back, I heard a woman 's voice asking me to call a certain phone number in regard to collecting a debt. She also gave a reference number to use when I called back. I have no intention of calling back because I have no debt to be collected. I deleted the message.These are obviously criminals who prey on people, and they should be prosecuted to the fullest extent of the law. Please do that! Thank you!
Consumer complaint received 2019-09-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WI)

Earlier this summer a collection appeared on my credit reports. The collection agency is XXXX XXXX XXXX for XXXX XXXX and it was for the amount of {$67.00}. I was never formally notified of the collection until it showed up over the summer. But in XX/XX/2019 I had filed for bankruptcy and that collection was not even listed. I called the collection company and notified them that I was not even told about the collection and that I had filed bankruptcy. They had noted their account and removed my name and information from their system. I filed a dispute with each credit reporting agency. XXXX and XXXX   quickly processed and completely removed the collection from my report. But Equifax will not remove it. I have filed several disputes with them explaining it was previous to bankruptcy and should not be showing up and also that the collection company has removed it. Equifax still shows the collection on my report and it shows as open. All they did was add a comment saying I disputed the collection due to a bankruptcy. I would really like my report to show correctly. I simply want it removed. Especially since the other two, XXXX and XXXX, have both already removed it. I have also tried calling and speaking directly with someone at Equifax but they continuously have told me that they cant verify my identity and so they are not able to assist me. It has been 3 months of this irritation and I just want it resolved. Equifax is by far the worst credit reporting company. Please help me. Thank you.
Consumer complaint received 2019-01-30
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. (NE)

My name is XXXX XXXX XXXX. 4 weeks ago I tried to access my credit report online. It gave me an error message that said " No report can be given based on the data provided ''. I took their advice and requested the report over the phone. Still no report. I gave the exact info to XXXX  and XXXX  and received a report.I want someone from TransUnion to call me and let me know what the problem is.