davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

THE RESPONSE ON CFPB ENDING ON XXXX WAS A COMPLETE LIE ON THE PART OF XXXX XXXX. THE CLAIM WAS FILED ON XXXX/XXXX/XXXX ON THE FRAUDELENT TRANSACTIONS AND XXXX XXXX CLOSE THE ACCOUNT ON THE SAME DAY AND HAVE COPY OF THE LETTER THEY SENT ON THE SAME DAY. ON XXXX/XXXX/XXXX THE CLAIM WAS DENIED ON THE NEXT DAY AND STATED THEY WERE GOING TO REVERESE THE XXXX CREDITS OF THE 36 TRANSACTIONS ON XXXX/XXXX/XXXX. ON XXXX ANOTHE RLETTER WAS SENT SAYING THE SAME THING AS THE LETTER DATED XXXX/XXXX/XXXX AND STATNG THE THE ACCOUNT WAS CLOSE ON XXXX. 
1-LETTER ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX DUE TO FRAUDELENT ACTIVITY TEMPORARY CREDIT IF ACCOUNT CLAIM IS FOUND VALID. 
XXXX XXXX/XXXX/XXXX CLAIM RESOLVED AND ATM CARD ENDING ON XXXX. WILL REVERSE THE CREDITS BY XXXX/XXXX/XXXX XXXX LETTER DATED XXXX/XXXX/XXXX SAME AS # 2 CLAIM RESOLVE AND REVERSE CREDIT WILL BE DONE XXXX LETTER ON XXXX/XXXX/XXXX STATING THE ACCOUNT WAS FOUND THAT ALL FRAUDELENT WAS WAS IN FACT ILLEGAL AND THE CREDITS WERE PERMANENT. HOWEVER THAT NEVER HAPPEN. 
THIS ACCOUNT WAS CLOSE XXXX XXXX/XXXX/XXXX BY XXXX BANK DUE TOFRAUDELENT ACTIVITY. THE RESPONSE ON CFPB STATED THE ACCOUNT WAS CLOSE ON XXXX/XXXX/XXXX AND THAT WAS A LIE VERY SIMPLE ON XXXX ON THE ACCOUNT THAT WAS CLOSE ON XXXX/XXXX/XXXX BANK SHOWS THAT THERE WERE CASH XXXX CASH WITH DRAWL S ( SE STATEMENT ) ON FOR XXXX ON XXXX/XXXX/XXXX AND ANOTHER ON XXXX/XXXX/XXXX FOR XXXX AND ANOTHER FOR XXXX WHO DID THIS WAS NOT ME IT WAS XXXX XXXX XXXX. AND IS ALSO OTHER FRAUDELENT ACTIVITY BY WHOM EVER
Consumer complaint received 2021-06-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: STATE EMPLOYEES CREDIT UNION (GA)

I was scammed out of {$4500.00} on XX/XX/2021. I have contacted NCSECU XX/XX/2021 and they told me it was nothing they could do about it, denied my case for fraud and told me to contact XXXX. I called XXXX and they said that I would have to contact my banking institution and that the bank should be able to refund me my money. I called the bank back and told them exactly what XXXX told me. They told me to call XXXX back to see if I could get an email with the resolution to the call. I forwarded the email from XXXX to NCSECU card fraud department on XX/XX/2021 and was told that i should hear back within 3-5 business days. Here it is XX/XX/2021 and I have YET to hear anything back and EVERY TIME I call I get told that the advisor over the case ( XXXX XXXX ) is waiting on his manager to sign off on it. It has been a total of 21 days with NO RESOLUTION!
Consumer complaint received 2017-09-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (CT)

I left XXXX as my primary carrier in XX/XX/XXXX or XX/XX/XXXX. I had a balance of {$300.00} from this account. I talked to a representative to arrange a payment agreement, but within two weeks I was sent a notice in the mail from a collection agency, Diversified Consultants , Inc . The original {$300.00} rose to {$690.00}. I asked where did the addition fees came from and the company said this was due to equipment / devices, which was a XXXX and XXXX tablet. I told the company that I had already paid for the XXXX and XXXX never issued me a statement about the balance for the tablet which I had been paying on for two years every month. Since XX/XX/XXXX this company has frequently called my phone at all times of the day, morning and night. I have talked with three representatives and a supervisor about reducing the fees, arranging payment plans and getting the company to stop calling me while I 'm on my job. I have paid this company {$300.00} yet I continue to receive phone calls and I was sent a notice on XX/XX/XXXX for {$550.00}. On the last payment I provided through my debit card of {$78.00} in XX/XX/XXXX the  company double charged my card and I did n't receive a refund until I had to talk with a supervisor and my payment arrangement had to be renegotiated.
Consumer complaint received 2019-02-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

On about XXXX XXXX, 2019 I, Mr. XXXX XXXX XXXXcaught an ad with Cabela '' s out door products in applying for a credit card with Capittal One bank. With in seconds I, XXXX XXXX was rejected.At this time I bank with Capital One savings account.It 's not fair that a bank hold your savings, but won't help establish a line of credit.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

When Navient took over my loans, my principal balance seemed to go up by over a thousand dollars. I never missed a payment, and as of XX/XX/2016, my principle balance should be XXXX or less. I still owed more than XXXX after XX/XX/XXXX. I noticed this and thought I made a mistake, and maybe I have, but I do n't think so.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

All these addresses are incorrect. I need them removed off my credit report. 


XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I HAVE NOW DISPUTED THIS ACCOUNT 5 OR MORE TIMES NOW XX/XX/XXXX XXXX XXXX OR TRANSUNION HAS YET TO PROVIDE ANY CONTRACT OR PROOF THAT THIS ACCOUNT BELONGS TO ME REMOVE THIS ACCOUNT FROM MY CREDIT I NEVER APPILED FOR IT
Consumer complaint received 2020-11-27
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: FIRST NATIONAL BANK OF OMAHA (TX)

On XXXX XXXX, 2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX  XXXX, 2020, FNB OMAHA add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I filed several disputes with experian. On XXXX XXXX XXXX XX/XX/XXXX of 2021. Although each have been found in my favor because I have never missed or had late payment... On my experian credit summary it shows a late payment and on my XXXX score XXXX it shows few accounts paid on time and serious delenquency and on additional XXXX scores bad payment history, missed payments and serious delenquency. The disputes all found I was never late, I never missed a payment and the account was closed at the time they claim this happened.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (WA)

I called and requested the CC company close my credit card account 9 days ago. When I log onto my mobile app or online account the account still looks open. I called the company and was told the account is closed and no charges would be accepted going forward. Today I received a letter stating that, " they had completed my request to close my account but pre-authorized charges or online charges may continue to be accepted and billed to this account ''. How do you accept charges on a closed account? When I called to inquire about this the CS stated he had never heard of that, but if that's what the letter says than I need to make sure that I remove that card from any re-occurring payments and online sites. I have done this but what it I miss one? The account is either closed or its not. This is predatory lending and should be illegal to accept charges on a CLOSED account!
Consumer complaint received 2017-09-14
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. (MI)

Equifax did not follow best practices for cyber security, and made my private information public. Equifax then tried to profit off of their mess up by adding different products they sell on their page. Despicable practice.
Consumer complaint received 2023-02-17
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. (CA)

I have disputed for over a year inaccurate information and no corrections have been made. 


In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern, I had been a long time customer of Chase Bank since XXXX. In XXXX of XXXX, I received a letter stating chase was closing all my accounts including two credit cards with a limit of XXXX each on XX/XX/XXXX. I was a chase private client and have a mortgage with them. To date, XX/XX/XXXX, I received another letter stating Chase is closing my business account due to the closure of my personal accounts which closed in XXXX. I reached out to Chase and their response was, It was a business decision and we do not disclose or need to disclose why we closed the accounts. 

My credit score is above XXXX and pay my credit cards on time. 

As frustrating as it is, I want to know why Chase decided to close my accounts after 10+ years.
Consumer complaint received 2021-09-16
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. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. I have not received a response yet and it has been 45 days. Please remove these items that were originally disputed on the date above from my credit report that were originally disputed with the company.
Consumer complaint received 2021-09-17
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. (AL)

I have disputed XXXX XXXX with Equifax on multiple occasions. I also disputed again on XX/XX/XXXX. XXXX is paid off and Equifax has it as a derogatory mark and it should be paid status. This XXXX is against compliance and Equifax is also against compliance. This will be my last compliant filed before I sue for not following FCRA laws.
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (MD)

XX/XX/2023 Creditor : AFNI Account number : XXXX Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX, IL, XXXX I am not liable with this debt for {$990.00} with AFNI nor do I have a contract with Afni Collections. They did not provide me with an original application like I asked. They claim to be collecting for XXXX cable in the amount of {$990.00} which is not accurate as i have an active account with XXXX and not Afni Collections.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank (DE)

XXXX XXXX credit card Has recievd my remittance payment / coupon XX/XX/XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX They have not credited the payment & continue to demand payment and report account deliquent which is hurting my XXXX XXXX
Consumer complaint received 2021-07-20
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. (CA)

My Equifax has my incorrect name, i am trying to buy a home and can not pull my Equifax at all. They have everything correct except my last name. my name is XXXX XXXX, they have me as XXXX XXXX. They cant seem to understand after several disputes that my last name has a XXXX and not a XXXX. I mailed a couple of disputes and one stated that my ID showed my name as XXXX XXXX but still did not update it, the other one stated after they investigated my last name was correct in their system as XXXX XXXX. I called Equifax and spoke to someone and they did a verification through my phone where they asked for a copy of my drivers license and the person ahkowleged the mistake and still my last name was not corrected. after 4 dispute and fails i am not sure what to do anymore.
Consumer complaint received 2023-02-07
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. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Mortgage Company Account number XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose. 

I requested proof and they failed to provide proof. I want this payment updated to paid as agreed never late
Consumer complaint received 2021-07-20
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: BARCLAYS BANK DELAWARE (NC)

I have sent a certified letter to Barclay Bank Delaware asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We already submitted a complaint. Complaint Number XXXX, but did not include the relevant documents. 

We could not see a way to add the documents to the Complaint we already filed, so are submitted a NEW complaint WITH the documents. 

Please see previous Complaint Number XXXX
Consumer complaint received 2022-08-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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, TX XXXX XXXX. 
# XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX CA XXXX # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX # XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, SD XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX- Has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 Section 623 ( a ) ( 5 )
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Both XXXX  and XXXX  is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and XXXX  saying the account needs to be deleted off my report.
Consumer complaint received 2019-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (SC)

I am a victim of identity theft and submitted documentation to XXXX about account ENHANCED RECOVERY CO XXXX {$0.00}. The account was blocked and removed from my credit file only to report again with a remark " Account information disputed by consumer, meets FCRA requirements ''. Enhanced Recovery Co or XXXX has not provided the documents and other evidence to disregard my identity theft report. 

If Enhanced Recovery Co can not provide original documentation of when where and how this account was opened. This account should be removed immediately. If account has not been removed from my credit file I will sue both XXXX & Enhanced Recovery Co in small claims court for FCRA violations and punitive damage. 

I demand that XXXX & Enhanced Recovery Co send all documentation they used to verify account XXXX.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (VA)

Good morning, This is a formal letter requesting an investigation into the loans listed with the account numbers : XXXX XXXX I never took these loans out. I sent electronic communication to UAS via the online portal, and they directed me to a website to view my MPN. I clicked on the link and it wants me to SIGN one, not view one that has already been completed. 
ALL of my student loans are through Navient, and if there are any listed with my name and SSN with this company, they are fraudulent and I need to know the dispute process to get these removed from my name and my credit report. 
Thank you, XXXX XXXX
Consumer complaint received 2019-10-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NJ)

I tried to refinance my loan to take advantage of lower rates. I was always timely in my responses and providing information or signatures. Most of the requests that I received were replied to within 24 hours. The loan however took so much time on the processor 's side that at the end of it we were pushing the closing right up to the rate lock expiration date. I received my disclosures on the Friday before my closing which was scheduled for XXXX on the following Thursday. On Wednesday, I went to the bank and received a certified check for the closing. I then received an email at XXXX ( 1 hour and 18 minutes prior to closing ) on Thursday with a new disclosure increasing my closing costs by ~ {$1500.00}. I did not have funds in my account to accommodate this new amount and since it was after hours there was nothing that could be done at this point. The title agency was unable to accommodate a new closing date prior to the rate lock expiration date. This means I am not able to close on this loan which means I have to lose any money that I have already put out for credit scores and appraisals. I am extremely upset at how long the loan processor took to process this loan and that I did not receive the disclosure with the final amount within the 3 business days that are required. I would like to the bank to be held accountable for this and refund the fees that I had to pay for this loan.
Consumer complaint received 2021-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (AZ)

AmeriHome Mortgage Co. 
PMI Department XXXX  XXXX XXXX XXXX, NJ XXXX Fax : ( XXXX ) XXXX, XXXX has fraudulently charged and deducted from my Bank Account {$62.00} each towards PMI  even after reaching Loan-to-Value 80 % in XXXX, XXXX and XX/XX/2021. Refusing to refund such fraudulent deductions made. Request your intervention to facilitate refund of such fraudulently deducted PMI. Attached is the thread of emails exchanged between their PMI Department, which are self-explanatory.