davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2020, I received a direct deposit from the IRS and on the XXXX of XXXX, 2020, I tried to use my card at XXXX XXXX XXXX XXXX and it was declined. So on the XXXX XXXX  XXXX I called bluebird customer service only to be told I need to call a different department. I called on the XXXX Sat on hold for 3 1/2 hours only to be disconnected. Then called again the next morning on second to still on hold the first time for 2 hours, and the second time for 1 1/2 hours. I called customer service number back that I originally talked to for them to tell me same thing they can do nothing and to call the other department. I expressed to them my frustration and asked for a supervisor only to be transferred once again and was on hold for another hour before hanging up. I called again on the 3 third for a couple hours and today the XXXX for about 1 1/2 hours all together about 12 hours of sitting on hold and I just want to close my account and get my money off the card. Also I can't even log into my account online it tells me my password or username is wrong so I tried to reset it and it just kicks me back to the log in page. Please help me.
Consumer complaint received 2023-01-27
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-08-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

We are in the process of procuring a VA refi loan for our primary residence. We originally chose PennyMac to handle the loan. In the process, and after spending a fair amount of money, PennyMac said we needed Flood Insurance. We challenged this and to no avail. We checked out other lenders and all have found out the our residence is considered X500, meaning no flood insurance is required. We approached PennyMac about this with documentation and they still refused to remove this stipulation. At this point we chose another financial institution, XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX AR. They have been great to work with especially XXXX XXXX, VP for lending. The one document he needs to move forward is the appraisal, which I paid for. PennyMac has to release this appraisal to the VA for reassignment to XXXXXXXX XXXX. They are severly dragging their feet on this issue to the point that we might not meet the time period for our interest rate. I have contacted PennyMac by phone, email and text directly to : XXXX XXXX XXXX Loan Officer NMLS # XXXX Phone : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXX We are given a multitude of excuses as to why it hasn't been done. XXXXXXXX XXXX has also contacte

d PennyMac, but to no avail. We paid for this appraisal and feel that it is within our rights to chose the lender we chose and to have full cooperation from PennyMac to help us move forward with this new l
ender. 

Thank you for your attention to this matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, AR XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-02
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 — Problem with personal statement of dispute
Company: Specialized Loan Servicing Holdings LLC (FL)

SLS has maliciously reported incorrect information on my credit report. I disputed with documentation of the loan letter closing statement and they are reporting a charge off as of XX/XX/XXXX when this was closed out XXXX. I had a XXXX daughter with XXXX XXXX  XXXX and my husband walked out. It is horrendous that this company can get away with reporting this incorrect information! Loan number was XXXX property address XXXX XXXX XXXX XXXX XXXX fl XXXX. Why can't I sue them for errors like this and hold them accountable!!!! Where are my rights? You call then and get the run around. This is on my XXXX  credit report and XXXX XXXX   finally updated the correct information. My name is XXXX XXXX
Consumer complaint received 2020-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (FL)

I had a previous complaint XXXX and the company placed it on my credit without my knowledge and did damage to my personal and professional life I might never recover from. Their response was that they would mark as a dispute. I checked my credit today and that did not happen. On all three credit report they were marked as open collections and I had to go and dispute them. They did not take the steps that they said they would do.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the XXXX Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 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 2020-06-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (MA)

XXXX was terminated in XX/XX/2019, and had no contract with my company. My credit card company agreed to review my case with XXXX and determined my company did not owe XXXX about {$250.00} since I HAD GIVEN NOTICE TO TERMINATE XXXX XXXX properly. I was previously on an auto-pay to my credit card company.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX   XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

On XXXX I went inside my home B.O.A. branch to withdraw $ XXXX from my demand checking account ( {$130000.00} balance for months ). The branch Manager approached me in line and asked what I needed. I explained I was there to withdraw cash from a Platinum Honors account. 

When I got to the teller, she told me she didn't think the bank had that much cash, but had to check with management. the Teller spoke to the Assistant V.P., XXXX XXXX, and they both came and told me they did not have that much cash to give me and I should have 'called ahead '. There was NO alternative options given ( we can give you $ XXXX today, or check this branch ). It was simply 'you didn't call ahead and we don't have that much cash '. At that time, before exiting the branch, I told Mr. XXXX if I had to come back, I would close my account. They had plenty of time to give me options. 

I immediately went to one of my other financial institutions and withdrew $ XXXX with no problem. On XXXX I went back to B.O.A. to close the account. I filed a formal complaint with the bank. They acknowledged receipt of my correspondence and said it was escaladed to management. I do not anticipate hearing back from the bank as I am no longer their customer. I should have not have had any issues accessing funds from a demand account.
Consumer complaint received 2022-08-05
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. (NV)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2019-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ;
Consumer complaint received 2021-02-23
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. (NC)

After getting an update from Experian that my school dropped I pulled it myself and saw that XXXX XXXX was reporting me that was 7 times late. And It showed the months of XXXX - XX/XX/2017. I went and pulled my bank statements and showed that i WAS NOT LATE.
Consumer complaint received 2021-09-15
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: Western-Shamrock Corporation (TX)

The branch manager XXXX XXXX at Western Finance in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company Western Finance in XXXX, TX and their banking institution XXXX XXXX  XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX  passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.
Consumer complaint received 2020-09-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC (VA)

I'm on a CARES forbearance. I've been paying as much as a can, I'm currently 30 days behind. My initial 6 month forbearance has been approved, but I've been unable to make contact with the servicer to extend the forbearance. I've sent emails, left voice messages and tried online to extend the forbearance. They do not respond. I'm scared and I need help
Consumer complaint received 2021-08-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I refinanced my Bank of America Home Loan with a new lender called XXXX, the new loan funded on XX/XX/XXXX. I had an escrow/impound account with BofA and was informed i would receive the funds within twenty days of loan being paid off which is in compliance with Ohio state law. 
Unfortunately, the funds were not delivered within the legal time frame. I called BofA on many occasions requesting the funds and was given excuse, after excuse as to why the funds haven't been released. 
The total amount to be refunded was {$3500.00}. After many calls, escalations, etc. i finally received {$3200.00} on XX/XX/XXXX. 
The funds received were short {$380.00}. I've escalated this matter with multiple supervisors, escrow specialists and have been left in the dark for weeks. I finally received the remaining balance of {$380.00} on XXXX.
Consumer complaint received 2020-05-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

I purchased a dog online. I was Issued a bill of sale for the dog. The price included the cost of shipping ( as stated in the bill of sale ). Now I am being asked for an additional {$600.00} for shipping. When asked for a refund, the seller disconnected the number and the email address is now showing invalid. 


An attempt was made to cancel the transaction from my bank but I was told it was too late and theres nothing that can be done. That no information on the receiving bank is available and they will not fight and dispute the charges.
Consumer complaint received 2017-08-07
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: Ability Recovery Services, LLC (NJ)

I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report.
Consumer complaint received 2023-01-31
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. (TX)

This is my FOURTH COMPLAINT towards TransUnion for violating my rights as a consumer. TransUnion has violated my rights under the Fair Credit Reporting Act pursuant to Section 605B 15 U.S. Code 1681c-2 Section 602 15 U.S. Code 1681 ( a ) ( 4 ) ( b ) Section 604 15 U.S. Code 1681b ( a ) ( 2 ) These accounts listed below are a result of identity theft XXXX XXXX XXXX XXXXXXXX i sent all the proper documentation needed and stated under 15 U.S. Code 1681c-2 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), TransUnion did not delete these fraudulent accounts within four business days. After 7 business days, I followed up with TransUnion and they stated it did not fit their Criteria for deletion. In addition TransUnion NEVER Contacted me to see if this was accurate or a result of Identity theft. I NEVER GAVE TRANSUNION WRITTEN INSTRUCTIONS TO FURNISH THIS ON MY REPORT AND THEY INFRINGED ON MY PRIVACY BY DOING SO. Which is a clear violation of 15 U.S. Code 1681 ( a ) ( 4 ) ( b ) and 15 U.S. Code 1681b ( a ) ( 2 ). Furthermore TransUnion did not ensure that they exercise their grave responsibilities with fairness, confidentiality, accuracy, impartiality, and a respect for my right to privacy. In a manner which is fair and equitable to me as the consumer. TransUnion willfully and negligently failed to comply with respect to all the imposed requirements under FRCA Section 605B, 602, and 604 with respect to me as a consumer. I've spent a considerable amount trying to get help equitable help from TransUnion. TransUnion falsely reporting these fraudulent accounts on my report is Defamation of my Character. Furthermore, TransUnion created a deceptive form that made the creditors believe i was in debt. Subsequently, i was discriminated against and denied my right to extend credit! I've suffered a great amount of stress and embarrassment due to this. Therefore, TransUnion is liable pursuant to Section 617 15 U.S. Code 1681o of the Fair Credit Reporting Act I demand the Fraudulent Items be Blocked and Deleted! 

I've attached a copy of my identification, FTC identity theft report, my updated statement an invoice, and a copy of section 605B, 602,604,616, and 617 of the Fair Credit Reporting Act. I look froward to your prompt response.
Consumer complaint received 2017-08-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (OH)

I made a full monthly mortgage payment for {$590.00} on XX/XX/XXXX to Ditech it has NOT been applied to my account as of XX/XX/XXXX therefore misrepresenting the account status to me as well as credit reporting agencies.
Consumer complaint received 2020-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am seeking the deletion of erroneous and inaccurate information contained in my credit file. I submitted a formal written request to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 and a second request was sent via certified mail on XX/XX/2020. 
In my letter sent and received by XXXX, TransUnion and XXXX I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been almost 6 months from my first written request and over 3 months since my second written request and I still have not received any responses.
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: Bread Financial Holdings, Inc. (MA)

InXX/XX/2019 an exchange was done in store by sales worker that was an even exchange. I never heard anything from this credit card company until XX/XX/2019 when they were reported a late balance owed. After reviewing my account with a customer service rep in XX/XX/2019 they verbally agreed a mistake was made with billing and fees occurred over the entire year of XX/XX/2019without me ever being notified. They assure me they fixed the issue. Then in XX/XX/XXXX I got another email about a balance. This time they were not helpful when I called. The XXXX cent difference in the incorrect exchange got added to my account not until XX/XX/19 listed as a LATE FEE. Then every month the company added Late Fee 's and Interest Charges to the account without notifying me. Statement history shows past due balances for XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and yet none of these Past Due payments were ever sent to credit bureaus or myself until XX/XX/2019 ( all statements will be attached ) They agreed that this was all their error and never fixed the issue. I have tried to dispute with credit bureaus and they are not updating my files and this is damaging my credit for something that was company error. I feel they should not have any late payments on my credit history as they had not ever notified me of these illegal charges and they owe me the money I paid to close the account in good standing because they were reporting negatively to the credit bureaus and damaging my credit.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Took me 14years to build up a very good credit and for just one mistake, bank of america made my score go low ... This is due to a payment i thought went through but didn't ... After more than 7years with them that was the only time i missed pyment.After ordering my credit reports from all 3 credit bureaus, the only problem was that late payment ... My credit went from over 800 to now XXXX. 
I don't think its fair and that bank of America should rectify it.Took me over 14 years to build my credit, and they ruined it for me.
Consumer complaint received 2020-06-02
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)

Equifax is illegally and dishonestly stating they are unable to locate a credit file for me with the same identification Ive used for XXXX years my social security number and card and my valid and legible drivers license. I have since XXXX attempted to have them remove inaccurate and misleading credit information with dispute letters and the proper identification they are still lying that they cant locate a file for me. Im tired of this and now Im going to also file a complaint with my states attorney general and contact a lawyer to sue them
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (LA)

I made several phone calls to Equifax on XX/XX/XXXX and XX/XX/XXXX to resolve an issue that has prevented me from increasing my credit limit with a creditor. There is an alleged freeze on my account ; I spoke with at least 4 Equifax representatives and they have not provided a resolution. Additionally, there is an error code ( NH ) that occurs when I attempt to create an account on www.equifax.com. An Equifax representative sent me an email on XX/XX/XXXX at XXXX EST that says the issue has been resolved ; however, it has not. As of XX/XX/XXXX, I still can not create an Equifax account and I still can not increase my credit limit with my creditor.
Consumer complaint received 2017-08-07
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. (GA)

This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong to me.