davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc. (GA)

I was charged a {$200.00} security deposit on XX/XX/23. I was supposed to get a {$400.00} credit line but I have not been able to withdraw any funds from my account.I have contacted them several times but they never respond to any email and the phone is just for instructions that will lead you back to the email to support who never answer it..
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have been victimized by XXXX XXXX XXXX XXXX and THE XXXX CIRCUIT CLERK OF COURTS PUBLIC RECORDS BANKSTERS AND JUDGESTERS ON A ROTATION OF DOCKETS AND REFUSAL TO FOLLOW THE RULE OF LAW. RECORDING ANYTHING LAWYERS HAVE WITHOUT OVERSIGHT THAT IS ILLEGAL BIAS AND FRAUD. SUNTRUST BANK LAWYERS AND DIRTY LAWYERS CREATING FRAUDULENT MORTGAGES AND REFUSING TO RELEASE THE {$0.00} Balance that is what I need today. Truist XXXX XXXX XXXX XXXX will not give satisfaction of loan that is {$0.00}. XXXX XXXX at Suntrust facilitated this fraud with 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
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I deposited a bank note check from XXXX ( I sold them my vehicle ) into my account on XXXX-19 for {$3000.00}. According to the CFPB checks over {$200.00} but less than {$5000.00} should clear in 2 business days. I was advised by Bank of America that the funds would not be released until XXXX-19, which is 8 business days. I believe that they are holding my funds and gaining interest on my money for extra days rather than releasing the money into my account. Can you please investigate and advise if this is an illegal practice.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After numerous attempts through the years I've requested that XXXX, XXXX and TransUnion remove these fraudulent names and addresses from my credit report and they refuse to remove, I've been a victim of fraudulent activity on my credit report.
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo displayed unfair practices during the application process for a refinance. Wells Fargo wrongfully inflated my DTI ratio post application process without notification or correspondence, when I asked for an explanation they did not respond. Wells Fargo increased the locked interest rate from XXXX to XXXX during the post application process without informing me why. When I asked the loan officer he assured me I was guaranteed the lower interest rate I have documentation to prove this. Wells Fargo increased my DTI ratio without informing me and when I asked for a breakdown of the debt figures they refused to provide it to me, stating it was proprietary. They denied my mortgage refinance application on the basis of false information. When I asked for an investigation my issues and concerns that were raised werent addressed. FYI I am a XXXX person refinancing a property with equity in a predominately XXXX neighborhood. Evidence can be provided upon request.
Consumer complaint received 2022-03-18
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: Source Receivables Management LLC (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX  XXXX XXXX XXXX and Source RM Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2022-03-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

Freedom Mortgage has not replied to all my concerns from a letter received. 

I Demanded for a copy of my original contract. ( this is was ignored in their response letter dated XXXX XXXX ) I demanded new Loss modification documents for signature. ( They send a copy of the OLD loss mitigation papers originally dated XX/XX/XXXX with an effective date of XXXX XXXX and first payment due XX/XX/XXXX ) This original request was received XX/XX/XXXX which is already past the 30 day deadline. This company has since then received a second letter that was received XX/XX/XXXX ( XXXX certified # XXXX ) once again asking for the same information )
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

CHAPTER XXXX AND CHAPTER XXXX BANKRUPTCIES Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections. 

Your cooperation and prompt attention are greatly appreciated.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to three credit bureaus Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? Please help me correct these accounts immediately : XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$570.00}.
Consumer complaint received 2023-06-26
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$630.00} ; XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXX  XXXX Balance Owed XXXX {$1100.00} ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Hi, I opened a small business checking account with Bank of America in XX/XX/2021. I subsequently decided not to move my banking relationship for the business to Bank of America. I never funded the checking account ; not a single penny. 

Now, I receive a statement indicating the account is negative < $ XXXX for service fees. I called Bank of America to close the account and they won't unless I pay {$48.00}. I don't think this is right. I have no banking relationship with Bank of America and definitely don't want one now. One of the reasons I decided not to move forward with the relationship was the amount of their fees. It is unconscionable for them to extort these fees from me, which will only continue to grow if I don't pay them and then close the account. Please help! This is ridiculous. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OK)

Sometime during XXXX-XXXX 2017, Equifax allowed a security breach that involved my SSN, address, DOB, phone number, and possibly other private information. I was only made aware of this breach several months later and was not actively sought out to inform of my information being compromised. 

According to credit reports, I have not been negatively impacted by the breach yet.
Consumer complaint received 2021-08-17
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. (MO)

Im demanding that the 3 major credit reporting agencies provide me with a physical documentation / contract of the following accounts, these accounts are unknown and unauthorized by me. Im demanding that these accounts be blocked and removed from my credit file. 

1. XXXX XXXX {$670.00} 2. XXXX XXXX {$120.00} 3. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I contacted experience fraud department representative by the name of XXXX at XXXX ( XXXX ) XXXX on XX/XX/2022 only to have him tell me that they conducted the investigation completely by the law, I did not know what I was talking about, and that he was going to end the call because I was refusing to except the lies that he told me. I explained to him that Section 609 of the FCA, gives me the right to see what the furnished sent to your reporting agency ( XXXX ) as evidence that the information is correct. But the information needs to be verifiable, so if it's not, it should be removed from my credit report. However, that information was never confirmed or provided to me. 
As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Frontier Consumer Law Group, LLC (IN)

Fast Track XXXX has called me to the point that it is harassment. They have been advised that my name is NOT XXXX and that they are calling the wrong number. They continue to state that I filled out an online survey asking them to call which is completely false. No matter how many times I ask them to remove my phone number from their system, they continue to call. They have masked their phone number to show up as a local phone number in my area. The most recent call came from XXXX and shows as being located in XXXX, XXXX where I live. They have stated that they are located in XXXX XXXX and that this is where they are calling from.
Consumer complaint received 2019-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AL)

Today I contacted Navy Federal Security and once again they tell me my claim is denied. Yet they tell the FCC that they are still working on it. They have restricted my online access and my bank debit card and tell me I will never get this back. Yet, they will not accept nor request a police report that I have. They will not accept any documentation proving the local police have prosecuted the person who used my account. Navy Federal Security Investigators are by far one of the most unethical incompetent divisions known to man. They play XXXX with peoples lives and have no right to do so.
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: LD Holdings Group, LLC (CA)

So Im filing a chapter XXXX bankruptcy and getting this loan depot calling me over the last few days and requested them not to call and remove me from there list and Im on the do not call list. They continue to call and laughed and told me complain.
Consumer complaint received 2022-03-18
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: JPMORGAN CHASE & CO. (MI)

I applied for a new chase credit card in XX/XX/2022 and my application was approved on XX/XX/2022. It was understood that if I spent XXXX with this new card within 3 months I would receive XXXX XXXX bonus miles. My first statement month started on XX/XX/2022 as I stated and as it is shown on my first account statement. My first account statement was closed on XX/XX/2022 which was only 26 days, not 28 days like there is in the month of XX/XX/2022. Going forward my account statements will close on the XXXX of every month, so month XXXX will close on XX/XX/2022 and month XXXX will close on XX/XX/2022. And according to the terms and condition of my offer I'm given 3 months to complete my minimum spend and the current closing date of my account statement closes my 3 month window 2-days early on XX/XX/2022 whereas it should be XX/XX/2022. I've called Chase multiple times and no one could give me the answer why Chase is doing this, I clearly stated that I signed up knowing I had XXXX full months to hit my minimum spend, but Chase is closing my statements 2 days early which is not what was advertised nor were there anything noted in the Offer Details stating otherwise. The Offer Details state I have 3 months, not 2 days shorter than 3 months.
Consumer complaint received 2022-03-18
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: Experian Information Solutions Inc. (IN)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-03-18
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: Exeter Finance, LLC. (PA)

The following inquiries are on my Credit report, I have not made these inquiries and are requesting them to be removed. I have sent 4 letters for removal to XXXX, XXXX and XXXX and these have not been removed.This is hindering my ability to gain approval for a home and relocate my family to safer area : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX EXETER FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (CA)

BSI Financial was sold my mortgage by XXXX XXXX loans in XX/XX/2021. As part of this, BSI took over paying my home insurance policy from my escrow. They failed to do so. 

When it came time to pay the home insurance, BSI mailed the check to an address ( XXXX XXXX XXXX, XXXX Florida, XXXX ) that is not associated with the home insurance company that provides my home insurance. I received no explanation why or how this happened. When I discovered this, right as my home insurance was about to be cancelled for non-payment, I had to spend 6 hours across 4 different days trying to get BSI to cancel the original check, issue a new one, and then contact my home insurance provider with the new information to resolve. 

Upon being escalated to management ( XXXX ) on the day prior to having my insurance cancelled, management confirmed to me that they will personally contact my home insurance company with the check information upon it being issues to stop the insurance policy from being cancelled. XXXX called me the next day to confirm that this happened, however, my home insurance was STILL cancelled, and when I called them to understand what happened, the Home Insurance company has NO record of any call from BSI financial around this topic. I had to once again work directly with XXXX XXXX XXXX to address this situation, and had to work to have it renew. 

tl XXXX XXXX XXXX When it comes time for BSI to pay for your home insurance, please call them to verify what address they sent it too, as it may not be the address of your home insurance company. Also, please do not trust their support/management around any actions they claim they will do on your behalf.
Consumer complaint received 2022-03-18
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. (AL)

I am writing to you to report on the negative accounts that are wrongly placed under my name. These accounts are unverified and are looking suspicious. I have tried informing the bureaus about them but they did not act on my letter of complaints.
Consumer complaint received 2022-03-18
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. (SC)

Experian, XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I received my credit report XX/XX/XXXX and found that it has an inaccurate item reporting on my credit report. There are only two addresses listed on my credit report. The address below is not. 

XXXX XXXX XXXX  NC XXXX Address ID # XXXX The address for XXXX XXXX XXXX NC XXXX is ID # XXXX. The address is NOT listed on my credit report. What address is that? 

A copy of my Experian credit report is attached to this letter as proof. 

Please update or delete this item from my credit report. 

XX/XX/XXXX XXXX
Consumer complaint received 2019-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (KY)

A fraudster claimed to a puppy breeder charged and asked me to transfer XXXX $ for the puppy fee including the shipping. Transfer this amount of XX/XX/XXXX on XXXX the breeder confirms that they have registered the puppy at a shipping agency and they would ship the puppy soon. 

However, the shipping agency reaches out to me saying that the puppy is not in a shippable crate and can use their crate for it to be shipped out for a refundable deposit of XXXX $ transferred this amount on XXXX however the puppy never arrived. 
I used Zelle from XXXX mobile app, Reached to XXXX XXXX and they say Zelle is the third party and they can not help any third party transaction and Zelle says we have to contact the bank to revert the transaction. 
Its been a wild goose chase, either XXXX  nor Zelle want to help me, all they can say is, unfortunately, we can not help in this situation Zelle case number : XXXX
Consumer complaint received 2019-08-08
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. (GA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX  and XXXX/XXXX