davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (FL)

I have over 50 pages ( estimate ) of data including times, dates, events. The following is a very brief explanation. 
XX/XX/XXXX = discovered account drained to under {$1.00} due to multiple fraudulent charges. Called Direct Express 3 times this day. Advised I need time to review all records. Requested account statements via mail and Charge Dispute documents via mail. 
XX/XX/XXXX = file online crime reports with local law and IDTHEFT.GOV XX/XX/XXXX = received account statements but not dispute packet XX/XX/XXXX = XX/XX/XXXX = received letter and " Questionnaire of Fraud '' dated XX/XX/XXXX XX/XX/XXXX = us mail Questionnaire and highlighted charges on each monthly statement XX/XX/XXXX = Direct Express ( D.Ex ) received my Questionnaire and evidence XX/XX/XXXX = received prefabricated letter ( other people got the same verbiage / letter ) Case Closed dated XX/XX/XXXX ( clear and repeated action by Direct Express to deny Provisional Credit required by law ). 
XX/XX/XXXX - Current = Fraud continued and D.Ex sent multiple new cards to fraudulent address or addresses. I have not had access to my new funds ( Post-Fraud benefit deposits ) since the middle of XX/XX/XXXX. D.Ex charged me fees over {$55.00} for all the Fraudulent cards they sent to the perpetrator ( s ). I have sent multiple faxes and Certified Mail ( got lost or was rejected ). Online research shows hundreds of people having nearly identical experience and lack of adherence to the law by Direct Express / Comerica Bank. No warning of possible fraud, no Provisional Credit. no confirmation or updates about a " Fair Hearing '' investigation, no responses to my evidence or attempts to contact. They won't divulge their email address or other phone numbers and their automated phone system is clearly designed to impede attempts to communicate with any department at both Direct Express ( contractor ) and Comerica Bank. 

Here is what should be done : First, admit to knowing about cases such as mine dating back to XX/XX/XXXX where there was no protection of funds, no actual investigation leading to denial of Provisional Credit, and insufficient or no effort by Direct Express / Comerica Bank to protect funds after being notified of fraud by account holders. Second, change business practices related to the years of repeated complaints by thousands of people. Third, refund all money in accord to the Provisional Credit law. Finally, send apology letters to all the people harmed by your actions and lack of actions.
Consumer complaint received 2019-10-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA claims that I owe them {$54000.00} from a home equity line of credit I took out many years ago. The loan I believe was taken out in the XXXX 's. I got sick and lost my job, home, and all savings by the end of XXXX. I ended up homeless for 5 years. I got better and a new job in XX/XX/XXXX. I started saving money and paying off all my debts. I applied for a hardship package with USAA in XX/XX/XXXX. They reviewed it and demanded I pay the full balance by XXXX XX/XX/XXXX. I have made a counter offer and they did lower the demand to {$39000.00} good till XXXX XX/XX/XXXX. I am not able to pay that amount. All other collection agencies and banks settled with me for around 20 % to 45 % of the total since they already took a benefit on their tax returns. I can offer them $ XXXX but that will require me to get a big loan and go further in to debt. USAA can be contacted at XXXX or XXXX. I  have managed to pay off all my other outstanding debts by getting loans and savings. Can you help me get them to consider the $ XXXX offer? I have many family obligations and will need to get another loan to settle with USAA. Your assistance will be greatly appreciated. They should also give me more time to come up with the money or give me a payment plan. Telling me I need to pay the full amount by XXXX XX/XX/XXXX or XXXX XX/XX/XXXX is completely unrealistic and unfair. Thank you.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mandarich Law Group, LLP (NY)

In the middle of XX/XX/2019, I got a letter saying I owe credit card debt by the Mandarich Law Firm in California. This was a XXXX account ( from XXXX ) in the amount of over {$5000.00}. The company that holds the debt is XXXX XXXX XXXX from XXXX. XXXX. I responded by email asking for information regarding debt. I received it later in the month and found it not to be me. I contacted by phone and, told them it was not me and, it was mistaken identity ( different middle name ). Later received a summons trying to collect such debt. It was mailed in a plain envelop with no return address, delivery confirmation and, no prepaid envelop for return as per my county 's procedure in mailing summons. The first response was dated XX/XX/2019, and summons was dated XX/XX/2019. It was sent late, as I received it on XX/XX/2019. It should not have taken that long for a summons to be sent. All letters sent to me by the law firm had my name without the middle initial even though they had that information from the fore mention phone call. Moreover, the credit card bill had a different address in a different state and the middle initial, both are not my own. They are suing in the wrong state. I have now filed such complaint because of all these transgressions.
Consumer complaint received 2023-04-14
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. (CA)

My complaint for today is a follow-up to my previous complaint dated XXXX to dispute these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$960.00} XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX  XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX These items are erroneous and I want them deleted immediately.
Consumer complaint received 2022-12-02
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. (NY)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. I found that under section 605b ( a ) Experian 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 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 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 information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 business days after the date of receipt.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
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 (FL)

Transaction was initiated on XXXX XXXX cancelled on XXXX and returns the funds same day Bank of America would have received funds XXXX On XXXX Bank of America still has not posted funds On XXXX Bank of America advised that they errored in their posting of the returned funds and a supervisor callback was requested Callback never received, I called them back. I was told the other rep lied by a supervisor and that it could take another 1-5 business days to return my funds. The transaction is still showing processing on XXXX from a transaction XXXX and this makes no sense. XXXX tried to claim the merchant was still attempting to process the transaction but this is false. XXXX argumentative even though own rep said funds should have returned. I have another bank I tried this transaction on and had the same exact problem with XXXX  website and the funds were IMMEDIATELY returned to my account upon the order being cancelled.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have a credit card with Bank of America. Today I received an email notification thanking me for opening up a checking account. This request was not done by me. I immediately called Bank of America and was told by the initial representative that the account was opened a a " facility '' in XXXX XXXX I do not live in that state nor have ever visited there. She apologized and transferred me to the fraud department. The person in the fraud department was very vague and told me it could have been opened online and maybe in a branch. I though it was odd that the initial customer service person told me where the account was opened, however the fraud department was not sure how or where. She apologized and closed my checking account. Afterwards I logged in to my account to change my password and noticed a secondary phone number and email address was recently added to my account. This was not done by me and even worse I never received any notification of these changes made to my account. I now suspect this was done internally by an employee. I use random XXXX digit passwords and I have XXXX XXXX authentication enabled. This was bypassed to make changes.
Consumer complaint received 2024-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC (GA)

My loan got transferred from XXXX to RoundPoint Mortgage Servicing on XX/XX/XXXX. A week or 2 before our mortgage was coming due, I logged into my account on the RoundPoint website and noticed my autopay was showing as not set up and it wouldn't let me set it up. So to make sure I didn't default on my loan, I set up a good faith 1 time payment to cover my mortgage. Unbeknownst to me, my autopay got transferred to my new account at RoundPoint and my mortgage ended up being billed twice, 1 of those payments failed, and I received a letter for a {$30.00} charge for insufficient funds. On XX/XX/XXXX or XXXX, I called to speak to a rep and he said I could not get a waiver for this fee because it wasn't RoundPoint 's fault. BUT IT WAS! I tried to make a payment in good faith so we wouldn't default on the loan and now I have to pay an extra {$30.00} because the RoundPoint website was not correct. 

After getting off the phone with the rep, I then logged on to see if that {$30.00} charge would be included on my next payment and sure enough, there was nothing on the website showing I owed a {$30.00} fee so I AGAIN had to take time out of my day to call and ask if it would be included in my next mortgage payment and the rep confirmed it would. If I didn't do that, I would not have put enough money in my account to cover that fee and would have ANOTHER fee tacked on to my account. 

The RoundPoint is in no way taking responsibility for their website being inaccurate and completely misleading. All we wanted was a 1 time fee waiver and I got told that this was in no way RoundPoints fault.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (CA)

My complaint is against US Bank. On XX/XX/XXXX I was the victim of banking fraud. I immediately called the US Bank Fraud Department to stop the transactions that were taking place. On XX/XX/XXXX I submitted documents and a description of what happened. 
( below is a copy of the information I sent to US Bank ) Dear XXXX XXXX, I have already emailed ( 2 ) two Affidavits of Unauthorized Paper Debits to the XXXX email address provided. The affidavits are for two checks supposedly presented in Washington state. 
No check numbers were provided only transaction numbers that I have noted ( I have attached copies here as well ) I have another concern regarding the electronic funds fraud that I experienced. 

In my savings account ending in XXXX, there was an " Assisted Telephone Transfer '' for {$5000.00}. Plus two " Customer Withdrawals ''. One for {$1800.00} the other for {$1700.00}. My concern is how do I reclaim these funds? 

In my savings account ending in XXXX, there was a '' Transfer '' for {$3000.00}. Plus two " Customer Withdrawals ''. One for XXXX the other for {$2000.00}. My concern is how do I reclaim these funds? 
I am deeply concerned that I will not have access to these funds for a long period of time. 

What is the claim process for the electronic funds fraud? 
I would like to file claims for my funds as soon as possible. 

As of today, XX/XX/XXXX this issue has not been resolved and the funds that were stolen from my accounts have not been returned to me. 

I have been in constant communication with the local branch manager but he has not been able to help me to resolve this fraud. 

If your organization is not able to help with my situation, would you please direct me to the government agency that may be able to help. Thank You
Consumer complaint received 2022-12-01
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. (MS)

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681.

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedotes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a XXXX, Equifax and XXXX Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to Equifax for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX  for XXXX {$84.00} ; it sold it to XXXX  XXXX, XXXX on XX/XX/2022 and the accounts is on my Equifax credit report, but I never owed them anything and it is still on my credit report.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Conn's, Inc. (TX)

I got an alert of a new address tied to a closed account alert from XXXX. I have PROTECT MY ID, XXXX, < XXXX XXXX and my XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX accounts files frozen. I HAVE OPTED OUT OF PRE-SCREENING, I called XXXX several times to ask them to correct my personal information because its incorrect, they have stated several times that they cannot remove the incorrect information because a creditor reported it and that I supplied it to the creditor. I DID NOT....I gave them a copy of my drivers license, and let them know that my auto loan has my correct and only address that I have not changed, they still will not correct it. Now XXXX is reporting this same incorrect addresses. PLEASE KEEP IN MIND, I HAVE EVERYTHING UNDER A LEGISLATIVE FREEZE.
Consumer complaint received 2015-06-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had disputed XXXX with this agency in XXXX 2014 and they proceed to delete due to inaccurate information and improper reporting. Yet recently i have found this account reporting on my file again. this accounts is outdated, inaccurate, contain incorrect dates and status ' and is not reporting correct payment history. XXXX has no place being on my file. I asked the reporting agency for proof of investigation and their results and paperwork regarding how they verified these and let them remain on my report yet i have received nothing till this day. I am skeptical and certain that absolutely NO investigation was done to verify these derogatory marks. They must remove it if they can not honor my request to correct them and show me how they verified it and allowed it to be reported to my file. This account is inaccurate and they are affecting my life very negatively!
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all XXXX Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Consumer complaint received 2022-01-13
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. (AL)

On XX/XX/2022 I received a response from the creditor ( XXXX XXXX XXXX ) that the balance was adjusted to the correct amount from previous dispute, and was being reported to the Credit Reporting Agencies. On that day I saw the changes on my credit reports just as the creditor had explained. Four days later, on XX/XX/2022 all 3 Credit Reporting Agencies begin reporting 3 new different balance amounts on my credit reports, which is totally different from what the creditor had explained and reported four days earlier.
Consumer complaint received 2019-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WA)

Robo calls to a cell phone. 
XXXX @ XXXX XXXX @ XXXX and XXXX XXXX @ XXXX XXXX @ XXXX and XXXX I attempted to answer the phone multiple times, however it was a robo call from Sychrony Bank. I finally was able to talk with a Rep and tried to explain robo calls were not allowed to use in contacting WA state consumers and they would need to send me information by mail or be on the line when I picked up. He stated that there are no restrictions on robo dialers and to send them the RCWs. I stated they needed to know the laws and concluded the conversation. Obviously they are using the robo callers in violation of both WA State law ( each violation is {$500.00} ) and the TCPA.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I got turned down for credit on a car loan. I went to the free credit report website the only one that would give me the report was XXXX. The other XXXX site had " Technical Problems '', which required me to request a copy via mail, unless I paid them {$29.00}. When I went to pay them XXXX, their systems do not let you buy it, they make you buy a " subscription for XXXX per month. This is Transunion and XXXX. They are scams and need to be shut down.