davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NV)

My complaint is against my mortgage company, XXXX XXXX, based out of Virginia XXXX, in Virginia. XXXX XXXX. XXXX  XXXX, Virginia XXXX, VA XXXX ) I have tried to have my PMI removed from my account, since my original loan value was under {$130000.00} and now my home is appraised at above {$180000.00} and is much lower than the 50 % Loan to Value that mortgage companies require, in order to drop this mortgage insurance. I applied to have a refinance with XXXX XXXX in XXXX of XXXX and therefore paid under {$500.00} for an appraisal. That is how I know my PMI should be dropped because of the amount the appraisal came in at. I have attempted contact with XXXX XXXX to review that appraisal since XXXX which would put the appraisal still under the 4 month rule of it being active and current. However all I get is the run around, even when I have been transferred to PMI supervisors. They tell me that they will review my appraisal and if the LTV is lower than 50 % to the total amount owed, they will retroactively credit the PMI to my account. However, all I receive from them after a month and a half of waiting for a reply each time is a generic, auto generated letter from Loancare, which is their servicing company, stating what the process is for cancellation of PMI. There is absolutely no mention of the appraisal they have been emailed multiple times, which each PMI supervisor could see on my records and acknowledged the receival of. I want my PMI dropped and I want my account to be retroactively credit the {$99.00} they charge me monthly, since my initial request to them in XXXX of XXXX. 
Here is the log of my contact with them. 
Week of XX/XX/XXXX, initial PMI request on the phone. 
XX/XX/XXXX emailed and tried to follow up with my request and attached the appraisal in email. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX emailed to follow up again. 
XX/XX/XXXX called to follow up, spoke to XXXX, she said the review process would take till XX/XX/XXXX and I would receive correspondence in 10 days. I did receive yet another one of those auto generated PMI letters. 
XX/XX/XXXX spoke to XXXX, asked to be transferred to a PMI supervisor, XXXX, then XXXX. 
XX/XX/XXXX emailed appraisal to XXXX. 
XX/XX/XXXX spoke to XXXX in the customer service center, asked to be transferred to a PMI supervisor, got hung up on after 40 minutes of being on hold. 
XXXX spoke to XXXX, then transferred to XXXX. She stated that she is able to see my appraisal, that someone from the PMI supervisor team would review it and would retroactively credit my account, once they confirm the new appraised worth of my home. 
Week of XX/XX/XXXX received yet another of the auto generated PMI letters, which I now have about five of. 

Thank you.
Consumer complaint received 2022-01-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2021, I filed a police report regarding of my wallet got lost. I replaced all of my driver license, credit cards, debit cards, ... but never received once until I request a second time. In late XXXX, someone used my new driver license to withdraw {$200.00} from my saving account. I filed a fraud claim on XX/XX/XXXX and haven't heard anything from Bank of America. I called Bank of America several times to follow up on my claim but they said it may take up to 90 days so I should be patient and wait. In XXXX, I found out that someone used my driver license again to withdraw {$500.00} from my checking account. I have to open the new claim but I also received the email from Bank of America that my old claim couldn't be honor because they were not notified that my identification was lost or stolen. That was nonsense since back in XXXX they have called me a few times because someone who has my replacement debit cards tried to activate that cards using my name and my address. I called Bank of America again and they said if I want to reopen the claim I have to fax them the police report. Today ( XX/XX/XXXX ) I called them to know the update on my claims but they tried to transfer me back and forth between some fraud departments, and every time they transfer me it takes me XXXX minutes to wait for the line, the last agent I have spoken with was in XXXX, he was in the XXXX Fraud department, he asked me what happened on that claim and then suddenly he said " oh I'll transfer you to the check fraud department right away because that's on the checking account '' and he put me on hold again... I was in the check fraud department earlier but the agent in Texas said my claim was created by XXXX Fraud department so I have to speak to them. That's so unprofessional. I'm just a customer and I just need my money back but they keep pushing me back and forth. The police in my city even caught the guy who stole my mailbox but Bank of America seems not to want to give my money back. I want to close the account but they said if I decide to close my account they won't process my claim and it automatically be denied.
Consumer complaint received 2022-03-12
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: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting Act, Convergent 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 or accounts without written instructions or authorization.

15 U.S.C 166b A Creditor may not treat a payment or payments on a credit card account under an open and consumer credit plan as late for any reason. 

XXXX. ( XXXX XXXX Bank ) Address-XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX  ADDRESS- po box XXXX XXXX NJ XXXX COMPANY # ( XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX COMPANY # ( XXXX ) INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX IA XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX  CARD XXXX ADDRESS- XXXX XXXX XXXX XXXX XXXX DE XXXX COMPANY # ( XXXX ) XXXX INQUIRY DATE- XX/XX/XXXX XXXX. ( XXXX FXXXX XXXX XXXX  OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX : XXXX ACCOUNT # XXXX
Consumer complaint received 2018-11-26
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Consumer complaint received 2022-03-28
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. (FL)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account # ending in 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Payment reported lated on XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting 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 put in a complaint with Transunion XX/XX/XXXXand they responded XX/XX/XXXX and said that the account in question XXXX XXXX XXXX - XXXX would be deleted and removed from my credit report. According to 15 USC 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
If Transunion investigated this account and decieded it would be deleted and removed that means Transunion report of me was not of maximum accuracy and violated my rights by having a inaccurate account listed on my report.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OR)

Dear cfpb, Here are the main facts of our experience. 

We purchased on XX/XX/XXXX a Serve  and a Bluebird card as requested by an agent we thought was with XXXX. The amount was XXXX each. On XX/XX/XXXX we informed American Express via the phone number on the back of the card. We also notified the police in our home town of XXXX, XXXX, We have card numbers and the receipts. 

As soon as we returned home, XX/XX/XXXX, my husband emailed a letter to XXXX including photos of the cards, receipts as suggested by a representative of American Express. We have had no response, so he over-nighted the information via usps. No response. 

My husband and I have both spent hours on the phone trying to get resolution to this matter. We can provide proof that we purchased the cards. American Express has not made any effort to return our money or to even communicate with us, We can prove that we bought the cards and prove that someone else cashed them in. 

On XX/XX/XXXX I was looking over the rental agreement on our XXXX XXXX car for our trip to XXXX XXXX. Our train was to leave in 3 hours. I spoke to XXXX  to tell them I didn't want to be the driver  in XXXX XXXX and they said they would not change the agreement. I looked online for another customer service number and called and spoke to a XXXX who said he could fix the problem.We needed to buy an American express prepaid card to take to the desk when we picked up our car. He made a point of saying it needed to be American Express. 
I purchased a Serve card at XXXX XXXX and gave him all the numbers on the card as he requested, grateful for a solution to having to drive in XXXX XXXX traffic. He called back later and said it was the wrong card - needed to be a Bluebird. My husband purchased that and I gave XXXX the numbers. 

On XX/XX/XXXX we got to the XXXX desk and we told they don't take prepaid cards and that we had been scammed. Later that day my husband called Amex to report our situation. 

On XX/XX/XXXX the agent my husband spoke to was a bit helpful. He did some research and found that the person who cashed in the cards was named XXXX XXXX with XXXX XXXX XXXX XXXX XXXX 
The rest is ourlined above. 

Our understanding is that prepaid cards are often used by scammers and so provisions have been made by card sellers to guard customers from loss. We don't use prepaid cards so we were unaware of these dangers. 
We have provided reasonable evidence of what happened. American Express has delayed, ignored, hung up on us, wasted our time, and not stood by their product. 
We are out over XXXX dollars and would like American Express to refund that to us. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
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: Experian Information Solutions Inc. (MI)

On XXXX XXXX I called and tried to dispute hard inquiries that were unauthorized on my credit file. I was told by the representative I spoke to that he would be able to remove them. We went through the hard inquiries together and he said they would be removed in 24 hours. The hard inquiries were not removed. 

I called again XX/XX/XXXX I told the rep. what had happened when I called the last time and she said she would be able to help me remove the unauthorized hard inquiries and we went through the process, she said they would be removed in 24 hours and they are still on the credit file. 

Here are the fraudulent hard inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX I have not filed for any credit cards, or car loans in the last 4 years. I believe i am a victim of identity theft as there are several accounts on my credit file that I have disputed already - the disputes are in the dispute process. I filed a police report with the city that I live in and I have attached proof as well as the incident number
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my frustration and disappointment regarding the unresolved late open accounts listed on my credit report. Despite numerous attempts to rectify this issue, the late open accounts remain inaccurately reported, negatively impacting my credit score and financial standing. 

Since discovering these inaccuracies, I have made multiple attempts to have the late open accounts corrected. I have submitted formal disputes, provided supporting documentation, and followed all prescribed procedures outlined by your agency. However, despite my persistent efforts, the late open accounts remain unresolved. 

The continued presence of these inaccuracies on my credit report not only undermines the accuracy and integrity of my credit profile but also impedes my ability to access credit and financial opportunities. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not reflect my credit behavior accurately. 

Furthermore, the lack of progress and communication regarding the status of my dispute only adds to my frustration and erodes my trust in your agency. I have not received any updates or explanations regarding the reasons for the delay in resolving this matter, leaving me feeling disregarded and powerless in correcting the inaccuracies on my credit report. 

I demand immediate action to investigate and rectify this situation by correcting the late open accounts on my credit report without further delay. Additionally, I expect transparent communication and regular updates regarding the steps being taken to address this matter. 

I trust that you will take this matter seriously and prioritize its resolution to avoid any further escalation. Please acknowledge receipt of this complaint and provide assurance that immediate action will be taken to address my concerns. With this, I am asking for your assisstance to remove or correct these accounts in my credit file : XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$700.00}.
Consumer complaint received 2022-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I filed a dispute for an unauthorized charge on XX/XX/21 for {$5000.00} to sears Home Improvement account. I provided all infromation required and have followed up with the credit card. I was initially informed it would be resolved within XXXX billing cycles after the complaint was filed, however has been over 90 days and the credit card company has not resolved it. They keep on telling me that the merchant, who made the unauthorized charge has not responded and that I have to wait until they reply. As mentioned before, ti has been over 90 days since the complaint was filed, today is the 93 day and this has not been resolved. As per federal law, it is my understanding that if it is not resolved within this time period, then I am not responsible for the charge.
Consumer complaint received 2021-05-12
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: AMERICAN EXPRESS COMPANY (GA)

I received an inquiry alert from XXXX  regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from AMEX. I contacted AMEX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Consumer complaint received 2018-11-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I responded to an offer via XXXX XXXX for auto-loan refinancing through XXXX to see what rates I'd be eligible for. I filled in some of the requested information online but did not return to complete the process. A representative from the company called me the same day ( XX/XX/2018 ) and got additional information about my vehicle and said someone would call for a follow-up. Then on XX/XX/XXXX, I received an alert from XXXX XXXX informing me that a new inquiry was added to my TransUnion credit report. I never gave permission for my credit to be ran. I was never given an offer for refinancing via telephone nor the web portal. Per XXXX 's FAQ, " During the application, we do a soft pull on your credit that will not negatively affect your credit score.  Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I spoke to XXXX XXXX about this issue and he said he'd conduct an investigation and get back to me. This was XX/XX/XXXX and I haven't been contacted again since. I sent him a follow-up e-mail last week which has not been responded to.
Consumer complaint received 2022-03-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

This debt don't belongs to me.It was a product of identity theft and I demand that it be block and or deleted from my consumer report. 15 U.S.CODE 1681c-2 Block of information resulting from identity. 
This is my second complaint with this company [ XXXX XXXX ] about the same issue. 
XXXX # XXXX. 
XXXX {$9000.00} This is a fraudulent Account made by someone other then me.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (KY)

I have a business card and a personal card with American Express. The Business card has no pre-set spending limit and a " pay-over-time '' limit of over {$35000.00}. AMEX lowered my pay-over-time limit, effective immediately, to {$2500.00} without my knowledge and, because of that, has now assessed a minimum payment due of {$3200.00}.

My personal card had a credit limit of {$13000.00} which has now been reduced to {$2000.00} which increased my usage percentage from 9 % to 80 % which has adversely affected my credit.

I will also add that my husband, ( a male, of course ) has a personal card and that has, in no way, been affected, even though that usage percentage is even higher.
Consumer complaint received 2019-10-10
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 applied for a XXXX Credit card and was denied credit. I immediately called the XXXX credit card department at XXXX and spoke with XXXX, got disconnected and later spoke with XXXX, both on XXXX XX/XX/2019, at XXXX XXXX   through XXXX XXXX I asked XXXX for the main reason of denial for the credit card. She stated I had an 18-year-old Bankruptcy against XXXX, that account in question was charged off through the bankruptcy as bad debt, however, XXXX XXXX XXXX recovered most of the money through federal subsidies. Furthermore, it is against the Consumer Credit Protection Act of 1968. to use information no longer listed on my current credit report. I told XXXX that I was only looking for a {$2500.00} credit limit and XXXX had no business using old records on file. It took me over ten years to clear the bankruptcy on file and that alone can not be used against me to deny me credit. My credit report is very good, XXXX. I also asked XXXX to please reconsider me for a XXXX credit card, In good faith, to slowly build my credit. The Denial letter was sent back to the bank for further review. I have not heard anything as of yet. For them to reconsider their decision. I have a XXXX Credit Score, no outstanding debt, payments are always on time. Thank you for your time.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank, NA is reporting alleged debts of {$3500.00} & {$4100.00} ( Acct # XXXX & XXXX ) on my credit reports without any standing & in violation of the FCRA & relevant Texas Debt Collection Act laws. Capital One Bank, NA is also in violation of Title X of the Dodd-Frank Act/Sections XXXX, and related regulations including abusive acts & practices. I have contacted them via XXXX with no response. In addition, I believe that this company has discriminated against me in violation of the Equal Credit Opportunity Act due to the fact that I am a supporter of the XXXX community, engaging in XXXX behavior. Since Capital One Bank, NA has willingly committed these premeditated/malicious acts, I have spoken with local counsel regarding the matter and they have agreed to potentially take the case on contingency pending Capital One Bank , NA response. I am however, willing to waive any litigation regarding this claim & rescind any complaints filed if the other party deletes the trade line from all 3 credit bureaus. Please advise.