davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NJ)

I received this email. It is ashamed that someone should should be forced to buy to keep a credit cardDear XXXX XXXX, As a result of a recent review of the Discover ( R ) card account referenced above, we have closed your account as of the date of this letter. 

This action was taken for the following reason ( s ) : Inactivity on your accountWe will credit your account with your Cashback Bonus ( R ) ( or Miles ) balance if you have one. 

Should you have any questions regarding the actions taken on your account, please contact us Monday - Friday XXXX ET, by calling XXXX. 

Sincerely, Account Review TeamOur credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. 

For a free copy of your credit bureau report, contact : XXXX CONSUMER RELATIONSXXXX XXXX XXXX, XXXX XXXX also obtained your credit score from this consumer reporting agency and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. 

Type of credit score FICOYour credit score XXXXDate XX/XX/2015Scores range from a low of XXXX to a high of XXXXKey factors that affected your credit score were as follows : XXXXThis information was provided to us by XXXX CONSUMER RELATIONS, a consumer reporting agency. 
FEDERAL EQUAL CREDIT OPPORTUNITY ACT NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency which administers compliance with this law concerning Discover Bank, the issuer of the Discover Card, is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC (FL)

I, after investigation, found out that the mortgage company, Rocket Mortgage, was charging PMI for the appraisal amount instead of the loan amount. Was supposed to be an equity loan. But later found out that they did as new home purchase. PMI, according to XXXX, loan amount times .055 % XXXX. Using this information, I calculated, using algebra formulas, that they was charging $ XXXX per month ( for appraisal of {$160000.00} ) instead of $ XXXX on the {$120000.00} loan. They also rolled into the loan a {$10000.00} closing fee, when the GOOD FAITH ESTIMATE of {$2000.00}. 
They won't adjust the rate, cancel ( home value exceeds {$220000.00} and only owe {$110000.00}. 
They " cooked " the closing documents and took us, self and wife. I feel cheated, and need help besides hiring an attorney to sue them as last recourse. 
Thank you.
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (UT)

I have XXXX XXXX voice mail I called directly she probalbly has no idea whats going I have had a XXXX limit for ever I have XXXX accounts all in great standings for no reason at all they dropped my limit have can they do this to people during a pandemic I have. been a loyal customer for years and they do care at all now its looks like I am close to my limit and going to hurt my XXXX XXXX even more. These people are gutless heartless and don't care about there customers at all I hope this happens to them personally and there accounts and see how they like it I want my credit limit back up XXXX immediately where it was but these guys don't want to lift a finger to help at all they get bailed out by the govt and they stick to the customers unreal
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : 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 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XXXX 2021.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I made an incorrect electronic transfer of {$2700.00} dollars from a Wells Fargo Savings Account to a Wells Fargo Credit Card having a XXXX balance at time of transfer and still having a XXXX balance, with the exception of the {$2700.00} surplus. Before the incorrect transfer was completed/ posted, I immediately called Wells Fargo and tried to terminate the transfer. That was impossible. I was advised during another phone call to Wells Fargo to wait until the erroneous transfer posted to the Credit Card, and then personally transfer the surplus funds back into the originating account. I did that, and then the transfer showed up on my Credit Card as a cash advance, which carried a fee of over 20 %. So, I called Wells Fargo again and was advised to transfer the money back to avoid a fee with a cash advance. It should not have been a cash advance, I was merely trying to get the surplus incorrectly paid to a Credit Card with XXXX balance back into my originating account. I have called Wells Fargo each day over the past seven days, sometimes several times per day. I have spent hours and hours of my personal time trying to get the {$2700.00} transferred back into my original account. Electronic transfers can be accomplished within hours and days. Yet, Wells Fargo will not timely transfer my funds back to my originating account. I need access to those funds now to make a payment I can not make by credit card. I suspect Wells Fargo is using my funds while I am being denied access to those funds. An electronic transfer from one Wells Fargo account to another Wells Fargo account should not take 30 days. Wells Fargo used to allow customers to transfer surpluses on their credit cards to other Wells Fargo accounts. The Wells Fargo can not provide any information to justify this unreasonable delay. The Wells Fargo staff provide incorrect information and directions and dates regarding this situation. Meanwhile, Wells Fargo is controlling access to my money that I need access to, and am being denied access to by Wells Fargo.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2023 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. 

The following information needs to be omitted, Please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Omit the following employers XXXX XXXX XXXXXXXX XXXX XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a. timely fashion Kind Regards, XXXX ; XXXX : XXXX Without prejudice, Al natural inalienable rights reserved
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TomoCredit Inc. (PA)

Was charged XXXX a month for a credit builder membership since XXXX of XXXX, receiving notice from credit bureau that tomoboost account had been closed, my credit score dropped significantly yet I am still being charged and they keep beating around the XXXX and will not cancel my membership.
Consumer complaint received 2021-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

So sadly my Father passed away. 

He had 3 account with SPS, all 3 are mortgages, they got wind of it and decided to stop his pandemic assistance on the loans. 

NOW they are making it extremely hard to get me added to the account, we have sent in the Death certificate as well as the will showing me as the successor, they will NOT add me to the account so I can reinstate the pandemic assistance. 

I feel like they WANT us to fall into default here.
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I filed an application for a Capitol One XXXX credit card. Ten days later I received an e-mailed letter of denial. 

I am a retired fXXXX XXXX with stellar credit ( 800+, no adverse info ). I called and spoke with a senior credit analyst. He proved detailed instructions on how to file an appeal by mail. I did so, and after thirty days there was no response. I called again today and escalated the call to a senior credit supervisor. The supervisor indicated that the letter was received, and that reports did, in fact, show that I have excellent credit. She suggested I unlock all three credit reports again ( Ive done this twice before, my contact with the credit reporting companies have confirmed Capital One had received my entire credit report ) and that I should apply for a third time. 

Most importantly, there have been several indications on the phone calls that Capital One is engaged in some form of illegal discrimination, perhaps age-related, possibly in some other form. I sensed this as obvious in all of the telephone calls, especially as the representatives repeatedly used the pronoun Miss, instead of Mrs , or more correctly Dr . 

I request that your bureau conduct an investigation as to whether this is an ongoing pattern of behavior by Capital One.
Consumer complaint received 2022-08-12
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

I tried to place a freeze on my Equifax credit report and it is already frozen. 
Hacker with my info froze my report and now are the only ones that can unfreeze it with 10 digit number. 
They can unfreeze for a day, buy a boat and refreeze it. 
I no longer have any control over my credit.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

On XXXX I sent a letter disputing the erroneous account with the creditor COMNWLTH FIN for the amount {$110.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Consumer complaint received 2020-11-04
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. (CO)

I completely disagree with the results of this Company. The account I listed still remains on my credit report in violation of Federal Law. XXXX and Experian is required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify that this information is indeed mine and is correct. In the result of their previous investigation, TransUnion stated in writing that this account was verified as accurate? They also mentioned that they are not required to reinvestigate this item. However, in court case on 06/09/1997 Cushman Vs. Transunion Corporation. No. 96-1553, XXXX  is required by law to follow reasonable procedures to assure maximum possible accuracy of the information contained in the credit report. Under Section 1681e ( b ) I also went ahead and contacted the court, and they mentioned that they do not provide information to any websites, internet search engines, third parties, and/or any credit reporting agencies. TransUnion must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA 1681e ( b ).
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC (FL)

On XX/XX/2021, I called XXXX to open an investigation concerning an item on my credit report from Spring Oaks Capital for a XXXX XXXX credit card. I advised the representative at XXXX that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked XXXX to investigate. I logged into my XXXX XXXX app and saw that XXXX has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. XXXX did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.
Consumer complaint received 2023-02-08
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. (AZ)

My XXXX XXXX XXXX XXXX and XXXX XXXX all have been paid and closed on my credit report. The loans are closed but is reporting one negative payment missed. This is inaccurate information and affecting me negatively as Im trying to maximize my credit score and profile. These derogatory remarks from these old student loan accounts are creating numerous problems with my new reports I obtained. I just want them removed immediately off my credit report or to fix these inaccuracies payment history, so I can receive what I truly deserve for my credit report.
Consumer complaint received 2019-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I HAVE BEEN TRYING TO MODIFY THE EXISTING MORTGAGE WITH A NEW COMPANY, SELECT PORTFOLIO. THIS COMPANY IS GIVING ME HARD TIME WITH THE DOCUMENTS EVEN THOUGH I HAVE SENT DIFFERENT TIMES. THEY ARE SAYING THEY ARE NOT RECEIVING THEM. 

I HAVE BEEN SENDING NEW DOCUMENTS LIKE 4 DIFFERENT TIMES. THEY ARE PLAYING ME. 

RECENT I PAY TO AVOID FORECLOSURE. NOW THEY SAYS THAT I NEED TO PAY MORE.
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Thursday XXXX XXXX XXXX. I met with an agent at the Bank of America branch in XXXX, RI. I showed the agent the emails on my phone ( attached to this complaint ) and wiring instructions from the scammer and explained how I verified the beneficiary and he had no doubts. I told him that I called one of the numbers on the email and it was out of service. When I called the other number it got through to someone and I explained what I was calling for and asked to be transferred to the paralegals name at the law firm and then got hung up on. I then told the agent that due to no calls getting through I emailed the scammer asking the amount to verify that this person had access to the closing disclosure, which was a secure document. Only the law firm and broker would know that amount. The scammer got back to me with the exact amount of {$23000.00}. The agent said that was a good way to check and asked if the account name on the wiring instruction matched with the attorney 's name at the law firm and I said yes, which is factually true. The agent also asked if the addresses matched and I said yes, which is factually true. The agent then continued to wire the funds to the scammer using the wiring instruction under my consent. The bank agent in this case should have given due diligence to ensure the consumer is not falling victim to a scam. The narrative shows that there were instances where the bank agent could/should have recognized scam characteristics. Also the agent should have done more preventive care. A first time home buyer who is not aware of mortgage wire fraud would not know if they are being scammed. The bank should be well aware of mortgage wire fraud to help their clients ensure they are sending the funds to the rightful beneficiary. I informed the agent that I could not get a hold of the law firm administering the closing over the phone and that should have caused the agent to advise not to wire until I can get on a call with the law firm. I paid a service fee of {$30.00} and have been a customer for 6 years. Bank of America could have helped in preventing me from wiring {$23000.00} to a scammer and they should improve their services to better protect their customers from scams. All of Bank of Americas action since has been that they sent a recall and that there is no guarantee of getting any of the money back into my account so file a police report. They said they will contact me with updates, but only update me when I call them which consists of holding for an hour.