davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (GA)

Fraudulent activity occurred on my account and a fraudulent New Mexico, XXXX address was part of the fraud. Two credit agencies removed this address as being a former address of mine but Equifax continues to list it as a former address of mine.
Consumer complaint received 2022-02-18
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: ENOVA INTERNATIONAL, INC. (WY)

Somebody used my social security and personal information to apply for credit. Netcredit did a hard credit inquiry at XXXX. The search showed up on XXXX XXXX and I call them and stopped the credit from being issued. Since then I have tried to get the account cancelled and have tried to get the inquiry removed from my credit report. I have done everything they asked including getting a police report. They have refused to cancel the fraudulent account and have refused remove the inquiry from XXXX.
Consumer complaint received 2018-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Item # 1 : XXXX XXXX  This is my second dispute for the above items, and these items have yet to be verified as the law requires. I have never heard of these companies, nor have I ever had a contractual obligation with either of them. After requesting for these accounts to be validated, I have yet to receive any documentation from either of these companies such as : a signed contract showing that I entered into a contractual obligation with these two companies. According to the FTC, you are breaking the law by continuing to report unverified inaccurate items on my credit file. I am asking for each of these items to be deleted immediately. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. If this is not deleted, I will be left with no other choice but to pursue litigation.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF HAWAII CORPORATION (HI)

I have been filing my paperwork that proves I am the lineal heir to the XXXX XXXX. I just informed the military contact at XXXX via email. I have also put the entire legislative body of the Hawaii legislature on notice. Bank of Hawaii legal team requested my information and it was provided and then I was ignored. As the lineal heir, I enacted our constitution of 1864 article 33-40 which provides me eminent domain over all Kingdom of Hawaii entities and that includes Bank of Hawaii whom was founded with XXXX XXXX  XXXX XXXX I want access to all my accounts and funds immediately provided to me. I want all ledgers. The tax map key for XXXX XXXX XXXX XXXX belongs to the XXXX XXXX. I created a federal EIN in my XXXX name XX/XX/2020. I was illegally evicted from my own lands by XXXX XXXX.
Consumer complaint received 2019-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CO)

There are large swings in the amount that goes to Principal and the amount that goes to interest month to month. That is not how an amortization table works I have never missed a payment on any loan. 

I have been paying on these loans for years and to have no principal reduction in the last 2 months and 100 % going to interest one of those months suggests foul play. This is not the first time I have asked why this is happening, its happened multiple times and Navient blow me off saying that it is just day counts of interest. Please perform a full audit of my account. 

I understand daily compounding and days per month will have slight changes in the amounts to the amounts. 

Is Navient incompetent on every level or is Navient stealing from me? 

Here is the most recent example Account Total XX/XX/XXXX Payment - {$79.00} Principal - {$16.00} Interest - {$63.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$66.00} Interest - {$12.00} Fees - {$0.00} XX/XX/XXXX Payment- {$79.00} Principal- {$29.00} Interest - {$50.00} Fees - {$0.00} Loan # 9 ONLY XX/XX/XXXX Principal {$0.00} Interest - {$51.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal {$0.00} Interest {$0.00} Fees {$0.00} Total {$0.00} Unpaid Principal {$6600.00} XX/XX/XXXX Principal - {$14.00} Interest - {$37.00} Fees {$0.00} Total Payment - {$51.00} Unpaid Principal {$6600.00} XX/XX/XXXX Payment - {$15.00} - {$36.00} {$0.00} - {$51.00} {$6600.00} XX/XX/XXXX Payment - {$22.00} - {$36.00} {$0.00} - {$59.00} {$6600.00}
Consumer complaint received 2020-07-28
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report.
Consumer complaint received 2022-02-18
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. (FL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXXdays later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. XXXX XXXX, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than XXXX days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2021-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: KEYCORP (IN)

We paid our loan in full in XXXX of XXXX  and can not get a copy of the title for our boat and trailer. We have asked numerous times. 
Keybank even sent a notarized letter to the XXXX of our state of Indiana saying it was paid but we need the title! 
The XXXX can not accept a letter. 
Please assist.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (FL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the equifax data breach and have got into the hands of the wrong person.
Consumer complaint received 2022-02-18
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: EQUIFAX, INC. (LA)

Have fraudulent/ unauthorized inquiries on my credit report from this company : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2019-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

On XX/XX/2019 I transfer {$1300.00} through XXXX from my bank account and website.. The transfer was for service in XXXX that I never received. I contacted my bank and after an alleged investigation, they told me I have to speak to the recipient directly.. My bank introduced and promotes XXXX so I trusted them.. .. my bank has the information for the recipient and just like a disputed transaction, I thought my bank would help. Let the recipient provide proof of service or something.. I feel totally let down especially since it happened on my birthday and my bank has never given me reason not to trust them.. 
Be aware of XXXX Promoters offering services
Consumer complaint received 2022-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NY)

The issue is regarding American Express case # XXXX, XXXX, XXXX. American Express rebilled my account for without my consent more than 2 billing cycles after dispute notice was reported to American Express. Disputes were reported XX/XX/XXXX. XXXX closed XX/XX/XXXX, then we had 2 additional statements closed, XX/XX/XXXX, and XX/XX/XXXX. Amex can not suddenly come On XX/XX/XXXX to reapply these charge after such an extended time exceeding 2 billing cycles without my express authorization. Furthermore, the rebilling was without any valid basis but pure corruption on the part of AmEx by some very bay players within American Express. See attached documents confirming the date if dispute and credit. All of a sudden, long after the 2nd billing cycle has ended, American express sent me notice informing me they will be rebilling my account.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (IN)

I have ( 4 ) for accounts on my Consumer Report that's reporting inaccurate information. These are the following Acct : XXXX XXXX  is reporting a {$4600.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a {$3000.00} balance on my Consumer Report as charged off I received a XXXX for this amount. Please remove this account from my Consumer Report for inaccurate information. 

XXXX XXXX is reporting a charge off for {$890.00} balance on my Consumer Report this account was paid in full. Please remove this account for inaccurate information. 

XXXX acct # XXXX is reporting a charge off for no $ amount please remove this account.
Consumer complaint received 2020-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Accounts & Advisers, Inc. (MN)

XXXX no Im not happy I need to know who removed American account from the file? 
I need physical proof if youre on able to provide that information you need to remove that from the collection account this is considered on verifiable I need to know which one of you removed immediately
Consumer complaint received 2020-07-28
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. (IL)

I have been sending letters to Equifax all year to remove an account because it was not properly verified and it violated my rights I have asked Equifax For verification and I have also asked them for method of verification which they did not provide but According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Your company is required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you post on a credit report to a sure maximum accuracy. 0n XX/XX/2020 I sent a letter providing proof that they did not properly verify my account and have violated my rights under the FCRA I have attached proof of this error and a recent screen shot of the credit account
Consumer complaint received 2024-03-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC (CA)

I recently inherited a home from my mother who passed away in XX/XX/year>. This home had an active loan which is currently being serviced by Rocket Mortgage. Following my mother 's passing, I reached out to Rocket to start the loan assumption process as successor in interest, and provided the necessary paperwork to do so. My wish is to assume the loan and to be able to view the loan information online on Rocket 's website, as the law affords successors in interest the right to do so.

Despite providing the requisite documents to be confirmed as successor in interest, and being confirmed as such by Rocket, Rocket refuses to allow me to assume the loan, nor to allow me to add the loan information to my Rocket account, stating that the loan " does not meet their guidelines '' without further information or clarification. Please refer to the e-mail thread in the attachment. Thus, I am left in the dark about the loan and to my understanding, am not afforded the full rights both as a borrower and successor in interest.
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (WI)

The balance on my XX/XX/2019 credit card ( ending XXXX ) statement was {$20000.00}. XXXX of this was 0 APR balance transfer. The rest is {$640.00} for purchases and fees. 
I paid XXXX dollars for this statement. XXXX dollars ( more than what I paid ) is applied to the 0-APR. So my 0-APR balance decreased by XXXX dollars. The high APR part is increased from XXXX to XXXX.
Consumer complaint received 2019-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MS)

This company purchased this account from XXXX XXXX and are reporting inaccurate information on my credit file. XXXX removed the inaccuracy from my credit file due to fraud and they were unable to validate the debt owed from XXXX. I am an identity thief victim and advised this to XXXX XXXX whom removed this invalid account from my credit file as I do not owe any balance to XXXX. The account is now being re-reported by Enhanced Recovery with inaccurate information ( date collection opened - XX/XX/XXXX ) - when XXXX XXXX had the account, they advised it was opened in XXXX. Additionally, Enhanced Recovery is reporting on a debt not owed by me regarding an account that was opened fraudulently. These tactics are a violation of the FCRA and must be removed from my credit file with each bureau due to validity, accuracy, and fraud.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

Ameris Bank continue to make the Covid Temporary Forbearance process a difficult one. At the start of my request they were very slow with providing me documentation regarding the approval and terms of my forbearance request but after a complaint I started receiving the requested emails and documentation. To date starting from XX/XX/XXXX I have requested a Covid Forbearance Extension and confirmation documentation multiple times. I put in a request on their phone systems only to be told they don't have a record of it. I spoke with their phone reps multiple times and put in a request only to be told to do it again because they don't see any status updates. I have emailed with the same request and they reply back with documentation from the original request and documentation to end the forbearance nothing about what I have requested which is an extension. XX/XX/XXXX I received a call from someone at the bank who acknowledged the emails I sent and said I was approved for an 3 month extension and she would make sure I get the document via email. Three days later no document mail or email. I called the loss mitigation department once again and the representative said she had no record of the extension and asked me if I wanted to request one again. I have almost finished with my first 3 months of forbearance and will require more time to get financially stable. XXXX to XXXX is my first three months of forbearance I have requested an extension over four times since XX/XX/XXXX. I have the emails and phone recordings to prove how difficult Ameris Bank has made this process and until they provide good customer service I will continue to complain even I have to share my issue with the local news station. I am requesting approval status start and end time letter regarding my extension request sent to my email and home address.
Consumer complaint received 2020-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (VA)

I have been dealing with BSI Financial 's Loss Drafts Services because my house flooded and my insurance requires that my loss check be endorsed by my mortgage company. They have had the check for two months, and have made it virtually impossible to get paid. When I finally met all of their requirements and jumped through every single hoop ( which was difficult because every person I talked to told me something different ), they told me they would send me a check ... and then they didn't. It seems like they are actually trying to prevent me from being paid. I'm a fairly reasonable person and a lawyer, but I feel like if they are doing this to me they must be treating others the same way, and it's frankly unacceptable that people with damaged homes need to spend hours and hours begging their mortgage company to give them their insurance proceeds. Right now they are giving me the run around on a check that is over {$40000.00} because they keep doing it wrong ( writing it for the wrong amount, mailing it to the wrong address, etc. ), none of which is my fault. I am at my wit 's end and honestly I think they may want me to default on my mortgage. I would never work with BSI if I was choosing a mortgage servicer. Please be careful if you are working with them and do not let them get away with not paying you.
Consumer complaint received 2020-07-28
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)

On XX/XX/2020 I wrote a letter to Equifax, requesting that they update a debt I had with XXXX to reflect a Zero balance. I sent them the payment receipt, letter from the Branch Manager where I had the service, and a letter requesting that they update my balance to reflect this debt has been settled. Equifax investigated, and left the debt the same. I settled the debt, and I expect my credit to reflect the update. I should not have to constantly write letters, and go on this site to have my information properly updated. XXXX and XXXX updated the information. Why is Equifax unwilling to update my balance with XXXX from XXXX to {$0.00}? The problem that I have with these credit bureaus is who are they verifying the debt with because why are consumers constantly complaining about these credit bureaus. Why am I able to settle the debt with the company, and provide them with the payment info, resolution letter, and they still refuse to remove this erroneous incorrect information from my credit report? 

I do not believe equifax even performed a thorough investigation into the debt or my documents.
Consumer complaint received 2018-04-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Monday XX/XX/XXXX at XXXX, Owner, XXXX XXXX XXXX , age XXXX, after presenting two ID cards, revocation of old POA , ( Power of Attorney ), and assignment of new POA signed with Notary public, ( see attachments ), complained about Elder Financial Abuse perpetrated by XXXX XXXX XXXX , ( her son, the old POA ) and was blocked from knowing any information on her investments. That was done with no explanation, despite the pleading by the account owner, my mother, to know the value of her account or any information about her account.

The Bank of America branch managers name is XXXX XXXX. The location of B of A branch is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. We went with mom to the B of A branch, because a week before over the phone, we could not get any info regarding the account. We were told that we must come to the office with two ID cards. In the office, on XX/XX/XXXX, we first met XXXX XXXX, who treated us very nice, and was concerned about the elder abuser, XXXX XXXX XXXX ( son ) of account pwner. Then we met with XXXX XXXX   who made copies of our CA D.L. and B of A credit cards. XXXX XXXX, encouraged us to come back a day later & he will block the abuser from accessing the account and give us, the new POA user name and password to access the account on line & in person. On TuesdayXX/XX/XXXX, we were in court issuing Restraining Order against the Elder Abuser, XXXX XXXX XXXX. On Wednesday XX/XX/XXXX at approximately XXXX, we went back to Bank of America branch and again met with XXXX XXXX . We told XXXX XXXX that we have Restraining order against XXXX XXXX XXXX. XXXX XXXX, made a copy of CA D.L. and B of A credit cards as well as copy of the Restraining Order. He told us he can not provide us with user name and account number, however, tomorrow he will provide us with the user name and password over the phone. Also, he assured us that the Elder Abuser can not access the account and the account is blocked. On Friday XX/XX/XXXX, my husband called XXXX XXXX, and left a message. The following week on TuesdayXX/XX/XXXX I called XXXX XXXX, and he told me that, I needed a new POA from an attorney, the one I had given him which was good for other banks was not good enough for him.

XXXX XXXX XXXX gave us a short note provided by my brother from a XXXX XXXX XXXX, an Internist my brother took her to in XXXX XXXX to have her declared incompetent. XXXX XXXX, was not my moms Dr. nor is board certified. Moreover, mom told me that XXXX told the Dr. what to write. Also, this one letter not only does NOT confirm this but to declare one incompetent in California one must present two complete medical reports to a probate court. XXXX XXXX realized this and dismissed the note, however if Bank of America used this note to block my mom from information regarding her account, they are in a serious ethics and elder abuse violation. Please help my mom.