davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

someone got into my savings account online and took {$11000.00} cleaning out my savings account. they used XXXX which i had never heard of. Bank of America claims I am responsible because it happened over several days. Since this was my savings account I did not look at it on a regular basis and only noticed it when the crooks transferred {$3500.00} from my checking account into my savings account then stole it. I have since learned that XXXX is a wire transfer service started by the banking industry to compete with pay/pal etc and that XXXX is widely known for fraudulent transfers. The dates this happened are on XXXX there were two transfers for {$1000.00} each to same person on XXXX two more transfers for {$1000.00} each to same person as before, on XXXX two more transfers for {$1000.00} each to same person as previous. on XXXX there was {$3500.00} transferred from my checking to my savings also on XXXX there were five transfers for {$1000.00} each to a new person. i caught this activity in XXXX and reported it to bank of america. i spoke with a gentleman named XXXX. I was told someone had hacked my ip address and had gone in and changed all my profile info. That is how they were able to do it. I always logged on under my wifes login and did not realize our logins were different. XXXX said he could see that on XXXX my account was changed it had a different user id and all the profile info had been changed. I am XXXX years old my wife is XXXX years old. Neither of us understand computers. They cleaned out our savings, we are left with only our social security now, but i already see that bank of america doesnt care. We had our first bounced check in over 20 years because of this but bank of america still collected the overdraft charge.
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (OH)

Fall of XXXX  I applied to refinance my mortgage with AmeriSave. Although I did not go through with the refinance in XXXX I realized that I could eliminate my PMI because my appraisal came back at XXXX. I applied for this and got a denial letter in XXXX. Ive then called and the lady said that my loan had to be XXXX years old. In XXXX I reread that same paperwork and called somebody and the loan did not have to be XXXX years old I just need an appraisal for XXXX which I had already submitted in the fall. I got another denial letter which is attached. XX/XX/XXXX I called and spoke to XXXX the supervisor who said she doesnt know why they didnt look at that appraisal and that now it might be too old. She couldnt tell me why they didnt look at that appraisal in the fall when they denied it the first time. I just want my PMI eliminated as it should be w the appraisal that was done in Fall XXXX  and not have to be XXXX XXXX XXXX as I was told in XXXX
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (KY)

Re-opening Complaint XXXX, as it was closed without being resolved. 
Mortgage company won't release my unpaid funds This loan was paid off XX/XX/XXXX, and I still haven't received my escrow balance, as of XX/XX/XXXX. 
Amerihome Mortgage keeps saying the check is in the mail, and to just wait longer. No solutions, just wait longer. 
The check keeps getting 'lost in the mail ', as the company refuses to send the funds through a service with a tracking number, or to wire the funds. 
They have issued three checks that have not made it to my house. 
After filing my initial complaint, I was given a phone number to contact the respondent at Amerihome, but it was a voicemail that is never checked.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in accordance to 15 usc1681b if a consumer agency doesn't have my written consent they are not to furnish anything on my consumer account. I did not give Transunion, XXXX nor XXXX written permission to furnish inaccurate information to my consumer report. which there is at least about 7 things that is reported inaccurately. ive also reached out to these companies about 2 years prior about reporting false and inaccurate information on my report.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (CA)

On XX/XX/XXXX a contractor named XXXX XXXX of XXXX  XXXX XXXX XXXX charged my DISCOVER credit card for {$2500.00} for foundation work done on my property at XXXX XXXX XXXX XXXX XXXX TN XXXX I was in XXXX XXXX CA so I had no way of knowing if foundation work was completed or not had to trust his word... 

In XXXX of XXXX I get an email from my realtor that foundation work had to be done before house could be sold so she sent pictures and statements so I had work done again by another contractor XXXX and they fixed work meantime I called DISCOVER bank to get a dispute of {$1200.00} of the {$2500.00} since XXXX XXXX XXXX XXXX only did half the work. 

When I called DISCOVER bank in XXXX of XXXX they issued me a temporary credit of {$1200.00} and I sent documents to them what realtor sent to me so I thought that was the end. 

In XXXX of XXXX DISCOVER bank reverses charges and my account is now over the Ratio limit which kills my credit they informed me I needed necessary documents and once I sent all documents I was told sorry its been over a year we can't help you. That's sad when numerous agents assured me for months that I would receive relief and not to worry.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sarma (CA)

I have contacted Sarma Collections in Texas. Per XXXX XXXX my name nor XXXX can not be found in their files. I have never traveled to Texas which is where the XXXX center is located. I have spoken to several Employees at Sarma and the XXXX XXXX to correct this matter. I am not responsible for this debt and would like to have the matter resolved as it is affecting my credit.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (PA)

I signed up for the XXXX XXXX XXXX and cancelled after I was dissatisfied with the product. The company continued to bill me and send me products even after I had cancelled. Then I started receiving letters from XXXX XXXX XXXX XXXX for one of  the kits sent to me AFTER I had cancelled.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (FL)

I have submitted multiple complaints about ally financial and how I told them that I was sold a car that was in an accident. I told them that if I had known the car was in an accident I wouldnt have purchased the car. I also told them to cancel the deal with the dealership. 
Attached is a conversation I had with the dealership through XXXX  on in which they stated how they dont have to give a car fax and how they still sell cars that were in accidents without telling customers. 
Not giving a car fax was concealing the fact that the car had an accident because within less than 3 weeks of getting the car it had to be taken to get fixed 2x. Ally didnt car about customer satisfaction. A lot of the fees that the bank is trying to collect was not a part of the loan. I told them to cancel the loan because the car was defective and in an accident.
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

There was a credit balance on my Capital One account, and I requested a credit balance refund on XXXX/XXXX/2015. I spoke with numerous supervisors, as I have had issues with Capital One before, and I was assured that I would receive a credit balance refund check. I was also told that the credit balance could be refunded to a recently used XXXX checking account. I made it clear that there should not be a payment adjustment made. After taking over XXXX weeks to process my request, Capital One has sent a supposed ACH credit to the originating bill pay service, which is nonexistent, and now I have had my funds warped into electronic nether-land all while being told that the request was treated in accordance with " Capital One policy ''. I am incensed to have XXXX checked my customer service answer ahead of time on how the payment would be issued, only to have Capital One take arbitrary action to resolve my issue that did indeed cause a domino effect of other issues. I intend to abstain from use of this Capital One account, but I am demanding that they honor their promise to issue me a check or to issue my a credit to my XXXX account. If the CFPB is unable to assist me with resolving this clear error, I will be forced to pursue other remedies. 

Thanks for your time, XXXX XXXX
Consumer complaint received 2020-02-13
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. (FL)

I currently have a credit card for the company XXXX which is provided by the company " XXXX XXXX. '' Back in XX/XX/XXXX, I submitted an update to have a new checking account added to my profile via the website for XXXX XXXX. The website had technical issues because it never added the account and caused a payment issue. I found out because the company contacted me to say that I was behind on a payment, when I had already submitted it with ample time. The same issue occurred XX/XX/XXXX, I resubmitted via the website to add the new account and submitted the payment for that same checking account and again, XXXX XXXX had the same issue. So, they then needed to add the account manually through a supervisor in XX/XX/XXXX. Once everything was finally updated, payments cleared through the account. The supervisor ensured me that due to this NOT being my fault, and it was a technical issue with the website for 2 months in a row, she would credit me the 2 late fees that I was unaware of. I also had asked her if this would be reported negatively to my report and she also assured me, that it would NOT be reported negatively. During this time, I was also homeless so I did not have funds to be financially stable, but I found a way to not only get my account paid but also now I've been sending chunk payments every month as of XXXX and XXXX so over 97 % of the credit has been paid down. Now, that I have access to my credit report as of late XXXX, I started to utilize credit services more and see that the 3 credit bureaus all reflect I am late 2 payments for " XXXX XXXX. '' All of this was of no fault of my own, but even as a homeless man, I did my due diligence to submit my checking account and paid on time every month. This company needs to remove this because their faulty system was the issue and " XXXX XXXX '' was willing to refund me the late fees AS PROOF, that they were in the wrong. It took them 2 months to get my new account added, and the payment to finally process. They admitted it was a tech issue. This has caused negative impact in my score for years and has hurt me from having better employment opportunities, as well as has hindered me from applying for credit cards or even qualifying for credit limit increases. I submitted about 2 or 3 contacts via mail in form of dispute letters in XXXX, and via phone to have this removed, but the company will not budge, even though supervisor admitted due to website issues, they would give me late fees removed. So, if late fees are removed, why is it still reporting late to the bureaus? Doesn't make sense. Please have them remove from all 3 credit bureaus asap as I'm fixing my credit of inaccuracies in order to buy my 1st home soon. Thank you.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A. (CA)

I received a letter form XXXX XXXX XXXX, they are collecting an account on behalf Citibank NA, the letter is an opportunity to resolve my account for less than the balance owned, the offer is good until XX/XX/2020. I called the collection agency and they informed me Citibank recalled the account from their office. I called Citibank and they couldn't find the account, they just informed me that I should wait for a call from a Law Office. Even when the offer suppose to be good.
Consumer complaint received 2022-03-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

I had a home equity loan from XXXX. In XXXX I refinanced the XXXXXXXX XXXX which was supposed to include the equity loan. I was not aware this was out there and not being paid because I never received anything until XXXX. At that time, they were threating to foreclose on my home. Needless to say, I contacted Planet Lending and agreed to take payments. I made all payments on time. After XXXX years of payments, they wanted a balloon payment of {$55000.00}. All the payments I did make of XXXX a month only {$50.00} went towards the principle. I do not have that amount of money on hand. So, I asked if I could continue with payments which they refused. I tried to continue making the payments, but they would not allow any payments to the account after XXXX. Now they have reported them delinquent and have ruined my XXXX score. Every time I try to get in touch with the loss mitigation dept. they hang up on me. When I agreed to the original loan pay off had no choice or lose my home. I have attached a copy of the bill for XXXX and a letter received. They are asking for the payments which I attempted to make but they refused payment.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681XXXX, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Accounts : XXXX XXXX XXXX  XXXX, XXXX SELFREPORTED XXXX XXXX, XXXXXXXX SELFREPORTED XXXX *******, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX******************* ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry XXXX, XXXX Inquiry Date XX/XX/XXXX and XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My XXXX XXXX information was comprised. In which two new hard inquires were made on my report within the past 30days ( capital one XXXX and XXXX XXXXXXXX XXXX XX/XX/23 ). These were not done by me. I already contacted each Bureau about the fraudulent injuries.
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (GA)

I contacted all 3 credit bureaus advising them that I was XXXX and a victim of identity theft. And sent them proof ( XXXX number ) which they can look up. I sent power of attorney to release any validation. I never received, and even if they did not want to release information to 3rd party they still had a responsibility to send me information. 
Its been months and XXXX is still reporting on my credit by : DIVERSIFIED CONSULTANTS for {$1800.00}
Consumer complaint received 2023-07-17
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: Bridgecrest Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting Act BridgeCrest Account # XXXX has violated my rights. Under 15 USC 1681 sections 602 States I have the right to privacy .15 USC 1681 Section 604a section 2 It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open and consumer credits as late for any purpose
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I fill a form in the TransUnion website to get my credit score. 

As specified in the XXXX XXXX  website, it was supposed to be free : XXXX XXXX XXXX XXXX XXXX  " You may pay a fee to order your credit report online if you want to see it right away. TransUnion allows you to order your credit report online once a month for free. '' However, I have been charged XXXX XXXX
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I have applied for Amex delta blue card and the offer was - spend XXXX $ in first 3 months and get XXXX miles. I fulfilled the conditions but did not get XXXX so I contacted Amex directly and customer care associate told me that he submitted the ticked ( screen shot attached ). Then I checked again with customer service and they told me that they are still processing my case ( screen shot attached ). Then I texted again and customer care associate has told me that I will not get points due to offer terms, which were obviously changed recently, because previous customer care associates have not mentioned a word before.
Consumer complaint received 2019-08-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (OH)

This company is Convergent Who collects third party debts, they repeatedly calls my husbands phone, which is a work phone number. I called them back on my private line, said they were asking for my son. I know he's owed a XXXX bill, but he is XXXX and is unable to work, at the moment. I demand PER the FDCA, that the phone calls be stopped INSTANTANEOUSLY!!! they don't leave a message when they call either. This number is my husband 's BUSINESS PHONE NUMBER. So LEGALLY you do NOT have the right to contact my husband 's job, for my son 's bill!!! You will be getting a cease & disest letter in the mail, if you keep contacting that business line. I will sue you for harassment. 

.
Consumer complaint received 2020-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an American Express Delta Reserve card on XX/XX/XXXX and was approved. I opened it in large part because of the promotional offer with the card -- spend {$5000.00} in the first three months and other mileage credits if you spend certain amounts after that within the year. I opened it after much research and despite the {$550.00} annual fee because of these promotional offers. I was sent emails immediately letting me know I would receive the card within 3-5 business days. By XX/XX/XXXX, I still had not received the card so I contacted AMEX. I was told that they didn't know what had happened to the card but they reissued one and said it would be there by XXXX XXXX. I did not receive the card by XXXX XXXX and when I called that day and spoke to a customer service representative, they said that they weren't sure when it would be reissued because there was a " backlog '' in producing the card. I finally received a card on XX/XX/XXXX in the mail, but this card was the first one that hadn't arrived. When I called again, I was told that they could not reinstate this card and that they still had no ETA on the replacement card. 

AMEX should not be allowed to offer promotions to customers and then prevent them from earning the promotions. I now feel stuck -- I can't close the card and open a competitive one without hurting my credit. I have to pay a {$550.00} annual fee. And we are now 10 days into my three month period to earn the promotion with no ETA on when I will receive the card to use. I've called and asked for solutions. I've called and asked to speak to managers. I've gotten repeated run arounds and no resolutions other than a {$30.00} credit to my account. This seems like fraud and an unfair business practice, and I think AMEX should be forced to waive the {$550.00} annual fee and credit me the promotional amount now given the hassle and their many promises that have not been fulfilled.
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (LA)

I am requesting a freeze be placed of my Lexis Nexis, XXXX XXXX XXXX file please send me a pin of security number to protect my file and credit information.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.. My information is clearly shown below : After this credit freeze has been filed, please forward me a written copy of my full report to the address I have confirmed above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX SS : XXXX DOB : XXXX