davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (FL)

H & R block-Emerald Card was set to send me a new card because there was fraud committed on my account. There were some fraud internet charges that they thankfully managed to stop. The new card never arrived, and on Memorial Day I received text notifications that there were ATM withdrawals on my account. I tried calling but offices were closed due to the holiday. Later that same day, I received e-mail notifications that someone was trying to link my new card to another H & R block account. I called the number on the e-mail, and again no answer because offices were closed. The following day I called and informed them of the entire situation. They sent me forms to fill out to formally file the Fraud claim. I e-mailed the forms over and was told through the phone that someone will contact me about the " investigation ''. Today, XX/XX/XXXX, I called for an update and was told that the claim was denied and that the decision was final, and to wait for a letter in the mail about this. No further information was given. I called a total of five times to H & R block and the Emerald card people trying to find out anything about the reason and to reach the team that conducted the investigation. No one could tell me absolutely anything. Neither about my claim, the so-called investigation, nor the denial. They don't even have a direct number to the " investigation team '' or department. Almost {$2000.00} were taken from my account. 1. I was never contacted by the " investigation team ''. 2. They clearly have recordings of me calling to inform them that someone is stealing my money and trying to link my card to their account. 3. What did they investigate?! and why doesn't anyone in their team know the reason or can give me a number. If someone was trying to link their account to my card, who was it? If they used an ATM machine, request recordings! Why don't they prosecute THEM? My account is left with {$6.00}!!!! and I get my claim denied with no information but to " wait for a letter in the mail that will arrive in 5 business days ''. That doesn't help me at all.
Consumer complaint received 2020-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (MA)

How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2018-04-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MI)

I was working with Ditech to get a loan modification over a year and a half. I would send and then resend papers to them only to have them day they didn't get them. I thought we were still working on a loan modification when I came home to a foreclosure notice on my door with a sale date listed. My husband and I had to file chapter XXXX bankruptcy in order to stop the sale and allow us to stay in the home during my husband 's declining health. He has now passed and I had the bankruptcy dismissed so I can pay off this loan and move forward with my life. 

My sister has been helping me through this as I don't have the strength to deal with it right now. She has been getting the same run around I endured when I was trying. They will not give us a payoff quote. They say they will send it but we don't get anything from them. Is it not my right to pay off this debt? Do I have to continue to be charged their " fees '' and other charges they continue to rack up on my account? If you go to XXXXXXXX you will see I am not the only one who has had Ditech run them around. It was sickening to me to read through these complaint and recognize the same tactics done to these people as were done to me. I wonder is there any way to stop Ditech before I lose my home as I read how many others lost theirs? They are even charging me for insurance on the property now. I have had an active insurance policy on the property which is paid through escrow with my first mortgage lender. It has never lapsed! I sent my declaration of insurance to Ditech but I'm sure they will say they never received it as they have with so many other document which I faxed to them ( repeatedly ).
Consumer complaint received 2023-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Motolease, LLC (CA)

I open a joint account lease for motorcycle about XX/XX/XXXX. About XX/XX/XXXX, I voluntary surrendered the vehicle associate with this account. On XX/XX/XXXX, XXXX sent me to collections with Credit Solutions Corporation for the remaining balance. About XX/XX/XXXX, I settled the collections. Then 3 years later about XX/XX/XXXX, XXXX reported the first 30 day late payment for the account that I settled with Credit Solutions Corporation and was paid and satisfied in full.
Consumer complaint received 2021-11-10
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: Incomm Holdings Inc. (WI)

Hi, On XX/XX/2022 I filled a dispute with Vanilla Visa about a stolen card that had charges not made by me. I had the card cancelled as soon as I noticed it gone from my room at XXXX XXXX in XXXX XXXX. After approximately 9 weeks Vanilla Dispute sent me e mail stating the matter had been closed without resolving the charges not made by me. Ref Vanilla Case Case # XXXX. Thank you, XXXX XXXX
Consumer complaint received 2021-02-11
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: Viking Client Services (TX)

I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and XXXX ... 

XXXX now seems to have sold the debt to another collection agency
Consumer complaint received 2021-05-03
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: DISCOVER BANK (CA)

Someone at my old address of 5 years ago committed identity theft and opened a discover card under my name. I filed a report at XXXX and sent the report to all three credit bureaus. The others bureaus deleted the fraud but XXXX refuses to honor it as it remains on my credit via XXXX only.
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

There was a fraud account transfer from my checking account for a total of {$350.00}. The app used was XXXX XXXX app. I tried to contact the person ( XXXX XXXX ) whom the money was transferred to and they immediately blocked my number after withdrawing the funds. I immediately called XXXX XXXX App but they asked me to call my Bank to dispute it. I called my Bank ( PNC ). They took more than 8 weeks and denied my claim and charged me Overdraft Fees ( {$72.00} ). Either XXXX XXXX could have called the person ( XXXX XXXX ) and resolved ot my bank ( PNC ) would have done a proper investigation. Instead PNC charged me overdraft fees and failed to do a proper investigation. Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC I want XXXX and PNC to investigate the fraud with the person XXXX XXXX and refund me the total {$350.00} + {$72.00} = $ {$420.00} Peron who committed the fraud : App : XXXX XXXX XXXX XXXX XXXX ID : XXXX Identifier : # XXXX Source : PNC Information about the app : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX is a mobile payment service developed by XXXX XXXX, allowing users to transfer money to one another using a mobile phone app.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
Consumer complaint received 2021-11-10
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: Resurgent Capital Services L.P. (GA)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX   days and I have not received any investigation results.
Consumer complaint received 2018-07-25
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. (NC)

XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ZIONS BANCORPORATION (CA)

I XXXX XXXX XXXX and spouse XXXX XXXX XXXX XXXX purchased a property located at XXXX XXXX XXXX XXXX XXXX, Ca.. The original Loan was with XXXX XXXX. 
In XXXX, XXXX XXXX merged with XXXX XXXX XXXX  XXXX. In XXXX, We refinanced to pay off existing loan with XXXX XXXX. Now. We are in the process of selling our property, I found out that there is a lien with XXXX XXXX, also found out that XXXX XXXX merged with Zion first national Bank in XXXX. We fully paid the loan in XXXX I sent a request to Zion National bank to remedy the lien on my property, gave them the original loan number from XXXX XXXX  which is # XXXX. 
I sent my request to Zion Bank on XXXX XXXX. To date, I have not recieved any response either by email or postal mail. I tried calling their customer service and was told that they can not find any record of my paid off loan. They said they checked under the loan number and our social security numbers, but ubavle to find any record. 
I need help to remedy the lien so we can proceed with the sale of our property. 
.Your assistance in getting the remedy will be greatly appreciated. 

Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Ph ( XXXX XXXX or ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXCa XXXX emai : XXXX XXXX
Consumer complaint received 2017-12-17
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)

XXXX XXXX XXXX Reported an account in tantamount of XXXX all.three credit bureaus. I have no knowledge of this account and I asked company to please accurately validate the debt since I am.disputing the debt. The company never honored my dispute request. this company just reported these accounts without validation or giving me the opportunity to dispute The information listed on on the credit bureaus are wrong. XXXX have a open fate of XXXX XXXX and an amount owed of XXXX, which I do not have any account in that amount that I owe.
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

I attempt to use Amazon Pay to pay for products on XXXX XXXX   website. The transaction failed but it was recorded on Amazon Pay and charged back to the Amazon Store Card provided by bank Synchrony bank. Amazon Pay stated they refunded the money ( {$1000.00} ) but Synchrony bank stated they did not receive the refund from Amazon Pay and I will need to pay the amount. I did not receive any goods from  this transaction but I am being forced to pay for it by the bank ( Synchrony bank ).
Consumer complaint received 2020-09-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (MA)

I had taken an insurance policy out on my XXXX XXXX XXXX through XXXX. I spoke with an agent during this process at which time I inquired if I could cancel the policy at any time and was told I was able to do so. They have attempted to retrieve the remainder of the policy amount after cancellation with them back in XXXX of XXXX.
Consumer complaint received 2018-07-25
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. (NC)

XXXX, XXXX, XXXX, XXXX I have communicated with the credit bureaus that these accounts do not belong to my. I have filed an identity theft report and even asked for both the credit bureau and the company reporting it to provide applications, loan agreements or security agreements that were signed by me. They have not provided nothing. The credit bureau then deleted the accounts over a year ago, and most recently they placed the accounts back on my report under a different reporting company name.
Consumer complaint received 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

On XX/XX/2018, I received notification that a collection account had been reported on my credit report. I mailed a disputes letter to the credit bureaus to validate my debt with company XXXX XXXX XXXX on XX/XX/2018. The company never responded within the 30 days allowed to responded. I have yet to receive the information as well. This is hindering me from receiving adequate living arrangements. I have no knowledge of this company or any debt owed to them. I am asking that they be removed from my credit report due to non compliance of submitting the information within a timely manner. I have not received the credit bureaus paperwork with whom they spoke with at the company or proof of debt.
Consumer complaint received 2018-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CHECK INTO CASH INC. (VA)

I borrowed XXXX dollars from this company and ahve already pais over 600 dollars but the principal remains fixed. They apply less than 2 dollars to the principal each time they charge me a monthly of over 100 to XXXX currently. They have a XXXX dollar monthly membership fee on top of all this as long as you have a balance. Its impossible to pay unless you pay them another almost full 400 from the beginning. I JUST WANY TO GET OUT OF IT. My account has been overdrawn many times because of them charging they fee, so they cost me 10 times more. I am not sure how to stop them if I can not afford the full payoff
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I started a refinance application with Huntington in XX/XX/2021. As part of that application I had to pay {$400.00} towards an appraisal fee. I was told that I would receive a refund/credit of that when I closed. The appraiser that Huntington provided did an extremely poor job XXXX the appraisal took place on XX/XX/2021 ), which resulted in Huntington not fulfilling my request to consolidate my first and second in the refinance. I provided supplemental information ( including a Realtor report with more comparable properties XXXX to Huntington from XX/XX/2021 through XX/XX/2021 that supported a higher appraisal value. Huntington denied my appraisal dispute and I requested a refund for the appraisal amount. Huntington never fully responded to my request for that refund and, I believe, wants me to just go away without providing me a final response. Huntington used deceptive practices with their application process and the use of the appraisal fees. Through the email and verbal communications leading up to XXXX XXXX Huntington was pushing a narrative that the fee would always be provided back to me.
Consumer complaint received 2021-05-03
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. (WA)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX dont have any account nor connection whatsoever with these companies. I have spoken with each company and no one produced any relationships between myself and the companies.
Consumer complaint received 2019-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (TX)

Hello, I believe that my Mortgage Servicer, HomeDirect Mortgage, a division of BOKF, NA, committed a material servicing error by failing to calculate escrow correctly and failing to pay taxing authorities in full. I believe this error resulted in a tax lien being placed on my property. 

A notification of tax lien was received at the property address alleging that I was a chronic delinquent payee. As the notice of tax lien seemed to imply a tax bill delinquency over a multi-year period, I believe HomeDirect Mortgage is responsible as they have not calculated escrow amounts correctly or have appropriately reviewed tax assessment notifications. 

I submitted a Qualified Written Request to HomeDirect Mortgage by first class mail on XX/XX/2019.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
1XXXX XXXXXXXX ( Bank ). XX/XX/XXXX 2.XXXX XXXX XXXX XXXX ). XX/XX/XXXX 3.XXXX XXXXXXXX ( finance ). XX/XX/XXXX 4.XXXX XXXXXXXX ( Bank ). XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-01-30
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: Experian Information Solutions Inc. (TN)

My credit card balance is {$0.00} on my XXXX XXXX Card and all three bureaus keep showing it as {$10.00} over the limit. Then they won't let me dispute the balance.
Consumer complaint received 2019-06-09
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (IL)

This is XXXX XXXX XXXX, XXXX  XXXX XXXX call to say owe debt was paid XX/XX/2018. FTC should be able to sue their real company is speedy Cash and not a ligenamate company that is a collection agencies. I want XXXX XXXX and XXXX XXXX XXXX in order to satisfy my difficulties. 
XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX mobile
Consumer complaint received 2017-12-17
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: Experian Information Solutions Inc. (SC)

There are some inaccurate things that are reporting on my credit report.Some of has been moved from one credit report because of inaccuracies, but still remain on others. 



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 2022-04-01
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. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 2018-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (CA)

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009