davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: TD BANK US HOLDING COMPANY (NY)

Ten years ago I took out an equity line on my house with TD Bank. It was a no doc interest only loan. I have never been late with a payment to TD or to XXXX which holds my mortgage. In XXXX I decided I need to do a refi because it made no sense to continue paying interest only. My mortgage broker looked at my credit and said that I had really good credit with the exception of being in foreclosure with TD. Unbeknownst to me my loan had ballooned in XXXX. I called TD to find out what was going on and why I had never been contacted. I was told that they had sent one certified letter to an old address that was of course never signed for, they had never attempted to call me, and even had my social security number wrong on some of my documents. I was very upset and let the rep at TD know that they had ruined my credit making it impossible for me to get my home refied, and that I was sure that TD was not in the business of owning homes and that we needed to make the situation right. The rep then informed me that they had done research on my home and that they would actually stand to benefit from taking my home and selling at auction because of all the equity that I have. I then tried to get a loan modification which was turned down. I feel that TD has been predatory and aggressive and had no interest in trying to work with me. The made XXXX effort to contact me and I would not have found out about the foreclosure until the sheriff served papers. Because the loan payments were on automatic withdrawel from my account and a small amount I never noticed that they bank had stopped taking payments. I need help and very much do n't want to lose the home that I have worked so hard for.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Billing disputes — 
Company: TD BANK US HOLDING COMPANY (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-20
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)

On XX/XX/2019 I received a text msg that stated it was from Chase Bank and that my account had been frozen and I needed to click the link to verify my account information. I clicked the link and it took me to a Chase site were I logged in with my password and verified my information. A week later on XX/XX/2019 I checked my bank account and noticed that {$2000.00} had been transferred from my savings to my checking and then transferred out through XXXX to an anymous email address which they listed under my sons name. That's when I realized that the link I clicked on a week ago was not Chase but actually a scammer. That's how they got all of my bank information and was able to go into my account. I notified Chase and filed a claim the same day. The representive stated they would investigate it and credited my account in 10 days. Well, on the 10th day the money was not there and when I called the bank they told me my claim was denied. I didn't understand why when I explained to them what happened and even offered to send them the link that was sent to me which they stated they didn't need. I asked to speak with a supervisor and she stated that they didn't have to do an investigation because it showed that I authorized the payment and it was also done from my device. I tried telling her that when I clicked on the link that was sent to me that's how they were able to get into my account and also since I used my phone, that's how it showed up that it was my device. I asked her why would they not investigate so they could see what account my money went to so they could know that my account was hacked and I did not authorize this payment. The supervisor was rude to me and stated she couldn't help me. I can't believe that as long as I have been a customer and have never had a problem that they wouldn't take the time and investigate this situation so I could get my money back. I have never been so disgusted on how I was treated by Chase Morgan Bank.
Consumer complaint received 2021-06-09
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. (PA)

This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you ( Attach document that was sent to you via email )
Consumer complaint received 2018-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION (TN)

My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TN)

My mortgage was sold on the XX/XX/2018. The escrow had been improperly assessed. My new company Selene Finance LP has stonewalled me for over two months now on fixing the situation. They have incorrectly assessed my property tax wrong causing a shortage in my escrow. I have had three escrow anaylsis 's submitted. I have faxed over all tax information related to the two lots I own. On XX/XX/XXXX they sent me a new escrow analysis that corrected the property tax payments yet didn't factor in my home owners insurance. Then on the XX/XX/XXXX they fixed that but changed the property tax back to the original error. You are told one thing by a supervisor, XXXX XXXX, and then told another by other CSR 's and other supervisor 's. The latest I have been told is that they will open another inquiry. This has not helped in the past. I can't even reach a supervisor in the escrow department. Apparently according to customer service there is no way to reach one. This is a simple math fix but seemingly they can't do simple addition at Selene Finance. I won't give up, I want this fixed.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (WA)

XX/XX/XXXX my rent was stolen from XXXX XXXX XXXX XXXX in XXXX WA. I called XXXX XXXX to have my money order traced and alerted them it was stolen. I received paperwork from them to file a case, XXXX, for a stolen and forged money order on XX/XX/XXXX. They money order is for {$810.00}. The apt mgr, XXXX, filed a police report and that case number is XXXX. I was could take 90 to 120  days. I called XXXX XXXX in XX/XX/XXXX and spoke with XXXX and was told to call back XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX and XXXX said they had not heard back and refiled my complaint with bank that cashed check. I called back XX/XX/XXXX and XXXX told me to call back XX/XX/XXXX. I called back XX/XX/XXXX and XXXX said they had not heard back from bank and refiled complaint with bank. I called XX/XX/XXXX and XXXX said they had heard nothing from bank so I filed complaint with WA State Atty office XX/XX/XXXX. The file is XXXX and contact was XXXX XXXX. They were unable to get response from TD bank either and referred me to you.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I needed to have my account up dated. I have never lived at XXXX XXXX XXXX, XXXX, OH XXXX This addresss is showing on my credit report and it is not my address. I have not lived at this address either XXXX XXXX XXXX, XXXX, OH XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX My employer is XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX. my name is XXXX XXXX XXXX please remove any other variations of my name.
Consumer complaint received 2019-04-20
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: MoneyLion Inc. (CA)

I was notified in XX/XX/XXXX by XXXX XXXX, a fraud detection service that there was activity on my credit report. The information showing up was an account opened through Moneylion INC XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX on XX/XX/XXXX. The account number shown was XXXX and it shows secured loan of {$510.00} per month paid bi weekly for 11 months. I do not use credit for anything so this was a big red flag. I have no knowledge of this account or this company. I took the steps to look at each credit report in XX/XX/XXXX after notification and filed a dispute of this account. Both XXXX and XXXX   have deemed this account as accurate after my dispute. I placed a fraud alert on all 3 credit reports too. After that information, I went on identitytheft.gov and followed the steps. A letter was mailed on XX/XX/XXXX along with phone calls to Moneylion to let them know the account was fraudulent. They told me to fax in the requested paperwork along with a signed affidavit and I did that. I was then told no, that's not enough, you have to file a police report. I then contacted the XXXX XXXX Co Sherriff 's department and told them what was going on. They said they can not take a report because no money was taken, it was only a fraudulent report and to dispute it. This company refuses to release this account and take it off my report. I have taken all the necessary steps and they are not cooperating. Please help!
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (OK)

XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX is listed as a prior address on my credit report. I have previously submitted that I have never lived at the aforementioned address and would like for it to be removed from my credit report. I used to be a XXXX and many of the offenders I supervised lived in this area. It is of concern to me that someone may have tried to use my information at some point. ( Too bad for them that my credit was n't good! )
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2018, I disputed an account reported by XXXX XXXX for XXXX XXXX XXXX, I was informed in XX/XX/2018 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report, In XX/XX/2018, In accordance with the requirements of the FCRA, section 611 ( a ) ( 5 ) ( b ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days, Requirements relating to the reinsertion of previous deleted material. I am suppose to be notified within 5 business days. If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the re-insertion in writing no later than 5 business days after the reinsertion., or if authorized by the consumer, for that purpose by any other means available to the agency., I have received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that Transunion Credit agency delete this item from my credit report in order to avoid legal action. I have copied this complaint to the States Attorney 's office, XXXX XXXX XXXX, and
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There's no such thing as a late payment Because the account was paid in full the moment my credit card was accepted ( 15 USC 1602L ). 
The following account XXXX - XXXX is an authorization of approval of an extension of credit that is deprived from my credit card which is my social security card and has to be removed according to federal law. 
I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, TRANSUNION OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. TRANSUNION has caused severe stress and anxiety due to the abusive and unfair practices.
Consumer complaint received 2019-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2019. Two fraudulent transfers were made from my JP Morgan Chase account ( ends with XXXX ). 

XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$750.00} XXXX XXXX, 2019 XXXX with XXXX payment to XXXX XXXX XXXX JPMXXXX XXXX debit - {$1100.00} We did not authorize the transfers and did not know who those recipients were. We closed Chase and filed a police report ( in XXXX CA ). The transfers made when my home computer and cable modem turned off. I received a letter from Chase saying that 'We found that transaction was processed correctly or was authorized '. Please help. 

Thank.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian is now showing my payments to XXXX XXXX services as " late '' over 7 occurrences which is false causing a severe point score drop on my scores. I have never been late with this account payment. They should correct immediately.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

My wallet was stolen and my identity was used to make fraudulent transactions on my account using my debit cards and my identification to make withdrawals one for {$40.00} one for {$300.00} one for {$2000.00} and one for {$6500.00} the one for XXXX and XXXX were refunded to my account however the other 2 transactions for XXXX and XXXX were denied stating that my identification was used. Which is correct because they were all stolen with my debt cards I have a police report and it was still denied by Wells Fargo. Claim # XXXX. Claim # XXXX.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On XX/XX/18 I was subject to an adverse action decision by XXXX XXXXXXXX XXXX based in part on information received from Experian. I then applied online with Experian for a copy of my credit report, but was denied. I then wrote to Experian requesting a copy of my credit report. As requested, I included a copy of my adverse action letter, driver license, and most recent bank statement. On XX/XX/18 Experian wrote to me again denying my request for copy of my credit report. I have maintained the same address for 20 years. However, every year for the past 20 years, Experian has denied me access to my free annual credit report without providing additional documentation of my identity and address. Experian 's repeated practice of denying me access to my credit report is unlawful. Experian should be sanctioned for this illegal practice and be required to cease this practice of failing to comply with consumers ' legal rights.
Consumer complaint received 2016-03-10
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: SERVICE 1ST MORTGAGE, INC. (FL)

I was contacted by a company called Service 1st Mortgage that offered to lower my monthly payments by refinancing and also promised an escrow refund and 2 months off of payments. The process was supposed to take 2 months, but 5 months later we were still working. The day of the closing, I noticed that the paperwork said that my first payment would be due in a month, instead of in 2 months like I was told. My rep, a man named XXXX XXXX, explained that this is because I would get a refund on a month of mortgage payment, so I went ahead and signed. I never received said refund, and when I contacted the rep he at first said that he would look into it, but then stopped responding to my emails and answering my calls. It has been 2 months now.
Consumer complaint received 2022-03-08
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: CBC Companies, Inc. (NY)

Innovis is in violation of my consumer rights I never gave innovis written consent to report anything on my consumer report. No consent is Identity theft. Innovis is reporting in accuracy on my report when I asked for verification and gave them 15 days while exercising my consumer rights under the FCRA 611 ( a ) ( 6 ) and ( 7 ) as of today XX/XX/XXXX I have yet to receive how they investigated this. When I called I spoke with XXXX he said theres nothing he can do an investigation was already done. I have attached the letter sent, when it was received as well as my payments
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (VA)

The customer opened a Wells Fargo Everyday Checking account on XX/XX/2017. The account was opened with a {$200.00} bonus promotion attached. The application reference number is XXXX. 

The customer subsequently completed all the requirements for getting the bonus, however, was declined the {$200.00} bonus ( did not get the bonus ). 

There is one bullet point in the bonus eligibility that may prevent the customer from getting the bonus : You can not be a recipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ).

The bonus qualification requirement and payment date ( attached below ) led to the customer mistakenly thinking the 12-month limit is from the date he received the last Wells Fargo personal checking bonus to the date he shall receive the bonus for this {$200.00} bonus. The customer was approved for this account with the bonus offer attached and fulfilled all the bonus requirements. The language of the 12-month limit in this offer was unclear to the customer and affected his decision for applying for this account.

Attached : Bonus Qualification & Bonus Payment To qualify for this bonus, the customer has to complete the following : " for 3 consecutive months, make a minimum of 10 purchases/payments per month with your new Wells Fargo Debit Card '', and the bonus payment will be deposited as follows : " We ( Wells Fargo ) will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met ''.