davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-09
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: Experian Information Solutions Inc. (LA)

Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
-XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is XXXX.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (MI)

I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.
Consumer complaint received 2024-01-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am writing to formally dispute with your company Midland Collections. I am requesting that you provide documented proof of a written contract between myself and Midland Collections, as well as evidence that Midland Collections holds a New Jersey State Collections Bond. 

It has come to my attention that inaccuracies may exist in the reporting of this account. To facilitate a fair and accurate investigation, I kindly request that you furnish the following information : Documentation proving the existence of a written contract between me and Midland Collections regarding the debt in question. Verification of Midland Collections ' compliance with the New Jersey State C
ollections Bond requirement I believe it is my right, under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), to receive verification of the debt and supporting documentation. This information is crucial for me to assess the validity of the reported collection account.

Please provide the requested documentation within a timely manner 15 days of receiving this letter. Failure to do so may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to rectify any inaccuracies in the reporting of this account.
Consumer complaint received 2022-02-28
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: Experian Information Solutions Inc. (FL)

The information on my credit report is not correct. I do not recognize this information, this is a result of identity theft and i need it to be removed from my credit as soon as possible. It is affecting me in a very negative way.
Consumer complaint received 2022-02-14
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: NAVY FEDERAL CREDIT UNION (CA)

I have been a victim of identity theft in the past and they are 4 accounts that are still reporting on my report and I need them remove. 

I have filed a police report and sent to the XXXX bureaus, however it still showing in some of them
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MI)

I had the Walmart in store credit card for over a year with 100 % on time payments. I never maxed the card out.. My credit score went down a few points so Synchrony lowered my credit limit. At the time I had about {$400.00} owed on the card, and the following month I paid my balance in full. The same exact day my payment was processed, Walmart closed my account. Their reason was I was high risk, not much has changed since I opened the card, so why all of a sudden am I " High Risk ''???? Why issue the card in the first place then?!?!
Consumer complaint received 2017-10-09
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. (AZ)

i am a victim of identity theft. My XXXX credit card that was opened on XXXX XXXX, XXXX was XXXX. The balance of {$2500.00} is all fraudulent transactions and do n't belong to me. The following hard inquiry do n't belong to me : XXXX, XXXX XXXX, XXXX
Consumer complaint received 2016-08-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank charged me overdraft fees on an account that never went below {$180.00} then only refunded me one of the charges. There explanation is that there is a time period between when funds on hold are removed from being " funds on hold '' and when they are posted to the ledger which the man I spoke to went on to explain means that there is a time period where a consumer using the available balance they provide online would be operating on information that Citizens bank knows is not accurate but is disclosing anyways. This is clearly an unfair and deceptive practice as the bank is providing a misleading account balance that consumers reasonably will believe is accurate when making decisions.
Consumer complaint received 2017-02-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was pre-approved for a loan by Citizen bank by XXXX in the beginning of XX/XX/2017.XXXX asked for {$650.00} for a appraisal.2 weeks later the loan was denied by citizens bank. I XXXX telephoned XXXX and ask back for my money and which he stated a appraisal was done.I telephoned the realtor XXXX at XXXX who explained that no appraisal was done.
Consumer complaint received 2022-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

Hi I'm missing business checking sign up bonus that was offered on the account back in XXXX. 

Bank of America is offering a bonus of up to {$500.00} when you open a new Business Checking account. The requirements to Receive a XXXX XXXX XXXX XXXX of {$500.00} are : Open a new business checking account by XX/XX/2022 ; Make Qualifying Deposits of {$20000.00} or more in new money into the account within 30 days of account opening ; Maintain an average balance of {$20000.00} until day 91 after account opening. 

Link to offer : https : XXXX : XXXX
Consumer complaint received 2017-10-09
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

Due to personal reasons, I chose to end my relationship with USAA back in XXXX and closed all open accounts that I had with them. I continually receive letters from USAA regarding their privacy practices and my personal information they are storing on their computer file systems. I called to " opt out '' of their privacy sharing practices and requested to have all of my personal data deleted from their file systems. The USAA representatives say they can not comply with my requests because I do not have any accounts, and therefore, they are unable to verify my identity. 
I know that I have rights concerning companies who store secret dossier 's consisting of my sensitive personal data without my permission, and a large bank like USAA is no exception to the law. 
My old USAA member number was XXXX
Consumer complaint received 2016-10-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RESIDENTIAL HOME FUNDING CORP. (NJ)

We worked with a gentleman name XXXX XXXX at RH Funding for a mortgage upon putting an offer in for a home, then we worked with the manager XXXX XXXX. From beginning to end, RH Funding took advantage of us ( we do not understand the entire home process as well as some, as XXXX is a second language ). XXXX told my us that we would n't be able to get a loan anywhere else and we were really lucky to have gotten approved for an FHA loan ( who we were also told by manage XXXX XXXX was the go to go for these types of loans ). We believed that this was our only option ; RH Funding played on my our naivety to the home buying process. 
RH Funding would lose [ IMPORTANT ] papers that we sent them, so they would have to call and we 'd have to resend them. This happened at least weekly, until XXXX was FIRED about 4 months into the process ( and even a few times after to " fix the mistakes that XXXX had created ''. We were also told that he had manipulated/screwed up several other mortgage deals ). We had to extend the closing FIVE times. They talked us into an FHA loan, then told us we could n't move in until repairs from the appraisers reports were fixed ( which we were told the appraisal fee would be {$450.00}, but then that changed to {$500.00} after the appraisal was done ). Because we refused to make repairs on a house that was n't legally ours, the only other option aside from starting the process over was moving to an FHA XXXX loan, WHICH IS A HIGHER INTEREST ( almost 1 whole percent ), and delays the process unnecessarily. Oh, and costs another {$150.00} to rewrite the appraisal to fit this type of loan. 

XXXX, as the manager, kept placing the blame on XXXX, who certainly does play a big role in all the aforementioned issues. But as the manager of that branch, XXXX must take the blame as well ; if he 'd been diligent and stayed on top of his employees work, we 'd never have had this issue. He gave XXXX and XXXX XXXX ( XXXX XXXX Agents ) attitude at every turn, although none of this was their fault ; our attorneys have also had nothing but issues with XXXX every time that they 've worked with him ( which has been several different contracts ). 

This entire process has left a sour taste in our mouth ; instead of exciting, it was stressful and almost not worth it. RH Funding took advantage of us, which poses a moral and ethical issue ; we 've spent countless hours and far more money than was necessary into the process already, and keep finding more and more issues. The contract on the home expires today, and the underwriters at RH Funding came back and said there was MORE that needed to be done ( about {$5000.00} added to the mortgage more ; all things from the inspection report that was done in XXXX that they have n't even looked at! ). I 'd hate to say everyone is incompetent, but you 're only as strong as your weakest player. We 've since had to cancel our offer on the home, and are left at square XXXX, with over {$2000.00} lost.
Consumer complaint received 2016-10-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I notified Transunion on XXXX/XXXX/XXXX in the XXXX .I spoke with a phone Representative stating that I had been a Victim of their resent inquiry issue. I went over every inquiry and was told that the issue would be deleted and removed from my report in a couple of days. The representative was very apologetic of this matter .I resently pulled my Transunion report again .I noticed Transunion have not deleted nor removed inquiries.I feel Transunion is not being accountable for making this mistake .It 's very upsetting that I was a Victim of this issue and nothing is being done about it. 
XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (AZ)

The Service company for my mortgage has repeatedly audited my escrow determining shortages two years in a row and will not provide documentation to explain the shortages. They do not return phone calls and emails. Fay Servicing keeps changing the account representatives. Managers do not return phone calls or emails. Twice I have been put into forced-place flood insurance when they did not renew with the provider and it has resulted in my payments nearly doubling. Because the property tax and insurance is paid from impound escrow holds, I do n't even get to see when and where these payments are made. I have asked to stop impounding for these payments and they refuse. My original loan with XXXX has been sold once or twice and the servicing company has also changed. I have never had any problems with the previous service company ( XXXX ), but I continue to have issues with Fay Servicing. I have asked them for the name of the previous flood insurance provider so I can switch the insurance back to that company from the forced-place and they refuse to provide the name. I have also requested the name and contact person for the note holder and they also refuse to provide that information. I have been hospitalized multiple times in the past few years and the XXXX Fay Servicing causes me is overwhelming. During the past two years after Fay Servicing has claimed shortages and my monthly payments have increased, I requested information to determine why there are shortages and they refuse to provide me the answers. I do n't even get a call back or response until I hold back making the payment. Once the payment is deemed to be late, only then do I get any response. Instead of getting me the detail I request, they have harassed me with multiple calls and correspondences and add late fees. This company does not work in good faith or with any sort of professionalism.
Consumer complaint received 2016-09-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a mortgage account ( XXXX ) with XXXX XXXX XXXX XXXX for a residential property ( XXXX, XXXX , XXXX ) which originated in XXXX. I was late on some payments due to loss of business income. The property was underwater - I owed more than the value of the home after the economic recession of XXXX. I attempted in good faith to apply for forbearance or a loan modification. I believe XXXX misapplied payments and was charging more than was owed as far as penalties, etc. In XXXX, XXXX foreclosed on the property - the loss mitigation department insisted we had not complied with all the necessary paperwork which is false. We chose not to sue or take the case to court as we wanted to move on. XXXX ( and XXXX XXXX XXXX ) has since settled with the CFPB and state attorneys general to provide {$120.00} XXXX in refunds to foreclosure victims. I do not qualify as my home was foreclosed on after XXXX XXXX, XXXX. However, this foreclosure was fraudulent as far as XXXX 's use of robosigning documents, etc. Therefore, this item should be taken off my credit report immediately. I have contacted both Transunion and XXXX to explain why this should be taken off my credit and they have not only failed to do so but did not explain why or outline what steps they had taken to investigate with XXXX. Unfortunately, in the intervening years, I did not keep copies of my loan modification paperwork with XXXX.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

There are many wrong items in my report. I have never paid late these accounts :  XXXX  Account #  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   Account #   XXXX   XXXX   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX  -  XXXX
Consumer complaint received 2017-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Ever since I first tried to be successful chasing the American Dream, companies like XXXX have been profiting off of me and keeping me down. They are the default " ethics police '' and the # 1 form of " lawful '' slavery. Their theft of my personal information means I ca n't even put money in a bank without those XXXX  knowing MY business ( not their business!!! ) I want them to delete my information from their database, they have made my life a living XXXX and I want justice. Their company keeps the rich rich and the poor poor. Their company supported XXXX XXXX and calls XXXX XXXX uncredible! ( For the record, I AM credible, dummy XXXX! ) I find their business model incredulous and can not believe that people are investing billions into this fraudulent scam to profit off of the American poor. This has no dignity and I am concerned that honest people are unwittingly supporting this classism through their investment " advisors ''!!! XXXX : Supporting classism for over 100 years! 
XXXX p.s. if they made actual changes to help the poor ... that would be something, but as far as I can tell, in its current state, the company does more harm than good. 
Also their " freeze '' is XXXX.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (TX)

On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (AL)

On XX/XX/XXXX of the year 2016, I began receive information from a collection company stating that I owed them money in the amount of {$130.00}. It was stated that debt was seriously past due, assigned to an attorney, and reporting to credit bureaus with negative information to be reported if action was n't taken immediately. After several attempts to dispute whom I had the account with and asking for verifiable witnesses to substantiate their claims that I owe anyone the said amount, which has not been verified. This company has not only damaged my reputation as an consumer, but also has vilified my name with the major credit reporting agencies.
Consumer complaint received 2015-09-21
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (OK)

I had a prepaid American Express Serve card, and when I called in for help on XXXX/XXXX/2015 for assistance with adding funds, they closed my account. I had {$290.00} in cash on the card. They will not give me any information and will not give me my money back. They said I violated the terms of my agreement.? I am not aware calling in for help for a violation. They claim there was suspicious activity on my card. If they 're protecting me, I 'm concerned they will not give me my money back.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EXPERT GLOBAL SOLUTIONS, INC. (CA)

I applied to get landline from XXXX they gave number, finally i changed my mined not to have land line. They send me bill i called them it is by mistake so dont worry it is cancelled. Finally after 5 month i got a letter system service to pay {$54.00} I never connect for a seconed why do they send me a bill and send to debt collection. It bother me a lot
Consumer complaint received 2022-02-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (PA)

I received a loan from Santander Consumer USA for a car. In XXXX of 2020 I paid the loan off in full, ( XXXX XXXX  ) however I never received a title. I received a letter stating the car was id off. On several occasions i have reached out to Santander and noting happens. I also contacted XXXX who informed me that Santander still has a hold on the vehicle and needs to release the title
Consumer complaint received 2016-08-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

Fifth third banks calls non stop and out side out side of XXXX daily repeated calls and sends threatening after days of being withdrawn. They charge so many fees and are not willing to remove over XXXX pre year but they will charge up to three times for XXXX item and anything over XXXX $ which is unfair. They fees are extremely high and un necessary. They have violated my rights as a consumer and almost every way possible and they have done the same thing to my best friend as well.