davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This is re : case XXXX. I sent you a complaint ( XXXX ) on XX/XX/XXXX. If you look back at that you will see what occurred. I have been with Bank of America for 34 years. On XX/XX/XXXX, I attempted to make a withdrawal of {$400.00} from an ATM in XXXX, CT. The machine, which I had used numerous times previously came up with a message on the screen that the transaction could not be completed at that time XXXX not exact words ). It was not due to an overdrawn account. I asked inside the bank and they said they would look into it. A couple of weeks later, I saw on my online banking that {$400.00} had been debited from my account on that day. Also, they charged me for 4 overdrafts amounting to {$140.00}. I made numerous claims. All were denied. I then wrote to the State of CT, Dept. of Banking who forwarded the information to you. I was contacted by 2 employees eventually, Mr. XXXX and XXXX XXXX. They were supposed to contact me on XXXX XXXX between XXXX-XXXX. When they didn't I left a message on their voice mail and wrote to you. I was finally contacted by Mr. XXXX after I left my message and wrote to you. They, of course, denied me again and very importantly refused to show me the proof they said they have. They keep saying I need a subpoena, but in CT that is only required if it is a court case. If they really think they are right, they should want me to see the proof. But they can't have proof because I never got the {$400.00} that day. I walked out of there with my ATM card. I have called the Judicial Dept. and I can't get a subpoena without an attorney. I can not afford that since I am on XXXX and get very little from Social Security. They have told me that I only need a subpoena of any kind if it is a court case. You would think after 34 years they would want to show me some consideration. Mr. XXXX was not very business-like when I last spoke to him. He continually spoke over me. I would appreciate any help you can give me. Thank you.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (DC)

I received an escrow analysis statement last week that said my mortgage would increase $ XXXX. due to an escrow shortage. The letter does not explain what's amiss, but it shows a projected bi-annual payment of {$5100.00} and {$430.00} for XXXX. I have a Homestead exemption, which decreases the annual amount significantly. For example, my latest bi-annual tax bill is for {$430.00}, and my Homestead exemption decreases my annual taxes by {$620.00}. The total taxes on my property for XXXX is {$1300.00}. So, even if I had no exemption, {$5100.00} is nearly than FOUR TIMES what I would owe. No one has been able to explain this. 

I've made three calls in the last three business days ; I spoke with XXXX  twice ( XX/XX/XXXX & XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) once. I sent them my latest tax bill, which I'm sure they already have. Neither has been able to explain why my payment is increasing drastically or how what I owe and paid in taxes is so different than what's in their analysis, but they've said on each call that they will escalate the matter and I should receive a call within 24 - 72 hours. What's more, XXXX said he hadn't seen that XXXX escalated the matter, so he would escalate it himself. That's the THIRD escalation in three business days ... with no assignment, phone call, or explanation.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation (IN)

I received a charge on my Fortiva card for XXXX that I did not authorize from XXXX XXXX XXXX. The gentleman advised the charge was made XX/XX/XXXX of this year. I advised him I have not used that card since late last year. He advised me they would investigate and it would take 90 days and then they would let me know. I asked him can't he simply call the store to verify the charge is fraud. He said no they can not do that. My issue with this is I did not look at the statement I would've paid the charge. How many elderly customers is this happening to? I can't believe with big companies that they can not do better tracking than this. It doesn't even advise what I am being billed for!
Consumer complaint received 2018-11-06
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. (OR)

I have been out of the USA for the past 5 years and during this period my SSN has been used to apply for his/her loan. ( I have clear evidence that I have not been out of the country- I am still abroad ).
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I believe Account : XXXX has violated my rights. I have attached the proof. Everything that is inaccurate is highlighted. 

They stated that they had done a proper investigation, but how is that possible if the reporting dates are still inaccurate, the balance amounts are inaccurate, payment amounts are inaccurate and the payment history is inaccurate? 

I believe this is grounds for removal for not properly doing an investigation. I do understand the law, and I am aware that my rights were violated under 15 U.S.C 1681 Section 604 A Section 2.
Consumer complaint received 2023-03-22
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. (OH)

I have an account that is not accurate from XXXX XXXX XXXX # XXXX Date of Last Payment Debtor Payment XXXX XXXX is missing and this is not a company that I ever remember doing business with in any fashion. 
This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reported information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not. I have inquiries that I do not recognize from the following companies, XXXX XXXX, XXXX XXXX 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
Consumer complaint received 2019-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I don't believe any of the choices offered to me adequately describe my issue. 

This is a follow-up to Complaint ID # XXXX which was not resolved to my satisfaction. I am requesting that this matter be reconsidered. In its response to my original complaint, Bank of America states : We have not received additional claims filed against the account in question. In fact, there was a fourth claim that was either misplaced or mishandled. I have attached a copy of the Declaration of Unauthorized Endorsement which was submitted by XXXX XXXX sometime after XX/XX/2018. I have also attached a copy of the check that is the subject of this claim. Please review the additional information provided.
Consumer complaint received 2019-08-31
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 (DC)

I signed up for the American Express Blue Cash Preferred card on XX/XX/2019. I signed up after clicking an internet link that I believe promised the following terms : A. first year annual fee waved, then {$95.00} thereafter B. A {$300.00} rewards bonus after I spent {$1000.00} with my card in the first three months. 

When I contacted the company via their website chat feature, they said I was eligible for neither of these terms. They said they would open an internal investigation and that was it.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (FL)

Hello to whom this may concern. I'm making this complaint on behalf of my self. I extended my credit to TD AUTO FINANCE which TD AUTO FINANCE stated that they're unable to provide me with an offer. I don't understand how I a consumer can be denied an extension of my own credit. I've contacted them about the matter where they ignored my request to resolve the matter. I think it its unlawful according to the Equal Credit Opportunity Act for a consumer to be denied because I exercised my rights with good faith in accordance with chapter 15 of the United States Code. I'm sure together we are able to resolve the matter within a reasonable amount of time with out causing further damages as there is civil and criminal liability for this behavoir. Please see attached documents that have been sent to TD AUTO FINANCE.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

XX/XX/XXXX I closed on my first home with a two income family. I was in a same sex marriage that didnt last so I got divorced and was remarried in XX/XX/XXXX, to my currenthusband. In XX/XX/XXXX, my husband lost his job due to XXXX XXXX XXXXssues. In XX/XX/XXXX I filed for forbearance help due to covid. Thinking I was able to keep my home, but actually was not able to, I notified my mortgage co about my bankruptcy and even told them when I was XXXX from XXXX ( XX/XX/XXXX ). My XXXX lawyer has sent the info USBank as directed, multiple times. Many phone calls and many many different representatives giving replys and directions on what they want me to have done to get a deed in lieu. So XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX documentation asking for the application for deed in lieu was submittedby XXXX XXXX XXXX XXXX XXXX and XXXX. I have copied, signed and sent in every single thing I was asked to provide. I finally got the application to file for the deed in lieu. Filled it out, signed, attached documents and ink signed, I sent it all to the direct email of USBank for documentation to them ( per their request ). As of today, XX/XX/XXXX, they want something else now, that makes no sense. I submitted the quit claim deed they asked for on the house and that isnt good enough, even though that is exactly what they asked for. I have on many occasions told them I have mental illness and that THEY ( usbank ) are causing me XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Causing an increase in my XXXX XXXX And for what ever the reason is, usbank will NOT approve anything to get this case closed. I have an fha loan and now USBank wants something that was already provided. I've been continuously Trying to resolve the issue very much so, I called today and was cut off, talked over and transferred four times, XXXX, XXXX, XXXX and XXXX are who I spoke with. None of which were able to help resolve this with them. Two managers, XXXX XXXX and XXXX XXXX have had many messages but not one return phone call. I personally asked ms.reynolds for the paperwork needed to give the house back because I was unable to resume payments, and never got those papers either. I have been on the phone with them over an hour just today. I am on XXXX XXXX XXXX and only get a monthly check to live on. This situation is causing extra stress with the bank threatening a lien on the property because a past due water bill ( that I've been trying to get help paying ) also, my electric bill was tripled due to the last bill tacked to my new bill, and I'm on a heap/pipp budget that just got approved. It has been nothing but XXXX XXXX XXXX XXXX XXXX  USBank. I am not sure how much more I can personally take, before having another XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

XX/XX/2022 {$310.00} I've never rented from this company. I've asked the company to remove this from my credit report numerous times. It has been disputed and they pursued it anyway knowing they don't have a record of me renting from them.
Consumer complaint received 2022-03-30
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

This will be my last attempt to resolve what I believe to be fraudulent activity by OCWEN. 

According to the loan modification documents, late charges would be eliminated. In addition, the 2nd lien filed with the Treasure Department for reimburse was erroneous filed. From the beginning of my complaint, Ocwen received duplicate payments from the consumer and Treasure Department for the 2nd lien filed.

Attached please find my payment history to Ocwen. It will confirm late charges included with the loan modification in addition to the 2nd lien filed with HUD. I am requesting payment in full for the 2nd lien, erroneously interest charged and unapplied payments.

If a resolution isn't reached, the next step will be DOJ, Treasure Department or Whistleblower. I find this behavior despicable when consumers work so hard and trusting a regulating industry to ensure consumers are protected. 

Please call me at XXXX ( home ) or XXXX to reach a settlement. 

Thank you XXXX XXXX
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

The following accounts are still reporting as late payments..Definitely not correct.. On time payments were sent to the creditors and should not be reported as such..Please CFPB step up and reverse the late payments on XXXX XXXX   XXXX
Consumer complaint received 2022-03-30
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Long & Foster Financial Services, Inc. (WI)

the appraisal for the home i bought on XX/XX/2021 had over XXXX incorrect entries. the appraiser inflated the value to match the loan and the mortgage company knew that. they with held the appraisal from me until less that 40 hours before closing so i would not have time to carefully look it over. they also charged me twice for the same fees. the home is structuraly not sound and they refused to look into it. due to this, i have lost my job, my credit is ruined and the home needs to be demolished. they have not looked into this and have offered no help in any way. the mortgage company also made my income appear to be more than what I reported.
Consumer complaint received 2022-03-30
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: Mercedes Benz Financial Services (MA)

I am aware that during the COVID-19 Pandemic Congress passed a bill called the CARES ACT which allowed temporary relief to certain debt situations. Payments that were late during that time could be marked with a special code or marked as on time but not late. Prior to my late payments in XXXX and XXXX of XXXX and XXXX of XXXX all of my payments were made on time. After the late payment in XXXX of XXXX I continued to maintain an excellent payment history with your company. I will continue to maintain an excellent payment history and ask that the 3 late payments mentioned above be marked with a special code ( due to the COVID-19 Pandemic ) or as on time.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-11-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Google Compare Credit Cards Inc. (CO)

I have a business account with XXXX XXXX, on Tuesday XX/XX/2018 I was randomly charged {$200.00}. for a Keyword I was bidding on for {$1.00}. That {$200.00} charge instantly put my account over its limit and I was forced to pay google in order to get my account back online for my business advertising. I spoke with Google tech support before paying the bill and was told it was a " glitch '' and that I would be getting the {$190.00} back from Google. I haven't to this point and was informed they were NOT going to return the money at all. This particular " call campaign '' was setup by a Google employee and I had limited control over it as it was, but once charged they told me it was my doing and they wouldn't fix it, or return my money. I understand they may not  constitute an " emergency '' on the behalf of the FBI, or another agency, but I feel it is desperately worth looking into as it seems VERY unlikely this was an accident or that I am the only business this has happen to. 

I am a military veteran running a small business in a smaller demographic, my wife is a XXXX XXXX   XXXX and we live on a small working budget, in fact that {$200.00} charge from Google was more than 25 % of my entire advertising budget. I have spent thousands of dollars advertising with Google to  this point ( no more ) and yet I often just have to take their word that I received so many expense clicks in a day, even though I don't receive any calls for said clicks, or drum up any business from said clicks, but this one incident of a {$200.00} charge for a {$1.00} keyword is crazy, its illegal and wrong. I have parameters set to where I can't even spend over {$100.00} a day with XXXX, but yet somehow they can just charge me {$200.00}. I am sorry, I hope this is not a waste of someones time, I just fear I am one of MANY people being cheated by Google. I am not sure where to turn.
Consumer complaint received 2019-08-31
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (KY)

On XXXX-19 I was giving a onevanilla ( Incomm ) gift card with the amount of {$200.00} on It. I logged in the website provided on the card to try to find the balance as it was a gift card. The Website showed nothing but the same page. Later that morning I call to find out the balance via 1 800 number. To find out that it was XXXX that 2 purchases was made to the apple on line store of XXXX and of XXXX to the apple on line store on XXXX-19 at XXXX XXXX. I Contacted the one vanilla ( Incomm ) company and they advised contacting XXXX. XXXX can not do nothing about it. One Vanilla has sent me a dispute packet that I have sent back to them several times and saying they are not recieving anything.. Out {$200.00}
Consumer complaint received 2023-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the accounts below : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-30
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. (FL)

ACCOUNTS AND INQUIRIES WERE CREATED FROM UNAUTHORIZED USE OF MY SOCIAL SECURITY NUMBER AND CARD I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602 ( p ). BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY. XXXX. XXXX XXXX XXXX XXXX HAS REPORTED A BALANCE OF {$44000.00} TO MY CONSUMER REPORT. XXXX. XXXX XXXX XXXX XXXX. SENT ME A DEBT NOTICE ON XX/XX/2022 WITH THE BALANCE OF {XXXX}. I WILL ATTACH THE REQUIRED DOCUMENT. XXXX. XXXX XXXX XXXX XXXX ALSO FURNISHED MY REPORT BEFORE THEY SENT ME MY NOTICE OF DEBT. VIOLATING 15 USC 1692 G OF THE FAIR DEBT COLLECTION PRACTICES ACT