davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Like many people, I don't really use my savings account. It's a nice perk I guess, a rainy day fund that allows me to mentally set some money aside. I've had checking and savings accounts with Bank of America for almost 15 years now. For almost all of that time, no fees. I grumbled but accepted it when my checking account gained a conditional fee a few years ago -- a change I originally found out about on the news, rather than the bank telling me ( I did get two emails from the bank that outlined the change later, before it took effect ). 

But apparently, my savings account was ALSO converted arbitrarily. I only got one email mentioning any sort of fee or change, on XX/XX/XXXX. The email was deceptively titled " Welcome to your new savings account '', an anodyne marketing phrase that most people tend to ignore and bearing almost no relation to the actual, involuntary changes made to my account. The " new '' account apparently requires an independent balance of {$500.00} dollars, or else an {$8.00} charge is applied monthly from the same account. So, back at the start of XXXX, I decided that the piddling amount of interest they were offering was irrelevant ( something like XXXX cents earned in XX/XX/XXXX ) especially compared to 1 % interest peers, and transferred a good chunk back to my checking account. I did not realize any changes had been made to the account, much less without a good-faith attempt at contacting me about it, and at the time I hadn't been charged anything because my balance was high enough. 

Since the beginning of this year ( XXXX ) I have been charged XXXX dollars monthly. I didn't realize this as, like again virtually all people, I assume that a savings account will never change and is not something I would check regularly. I only discovered this today, where I asked to get refunded ( only two months were refunded ) and closed the account. 

This is possibly the most anti-consumer practice I've seen in a long, long time. The charges are drawn from the savings account directly, where they are not likely to be seen and noticed by the customer, even though the checking account is linked. The charges bear absolutely zero relationship to the actual cost of managing a savings account, which is minimal for virtually all banks. Changes were made to the account without what I consider a good-faith attempt to notify the customer. I would expect a phone call or multiple, specific emails containing the information about the change prominently instead.
Consumer complaint received 2019-06-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GREAT WESTERN BANCORP, INC. (IA)

The dates are not exactly clear because we've had different responses from Great Western Bank. They've refused to work with us. They also sent us a letter saying to stop contact with them, and accused us of harassment. In mid XXXX of XXXX our bank account was levied for a unpaid credit card. I had deposited my check on a Friday and Monday morning my card was declined. The XXXX county sherrif department issued the XXXX. Great Western Bank honored the XXXX putting account at XXXX balance. Then they charged us {$90.00} for a XXXX fee causing account to go negative. There were bills pending prior to XXXX XXXX XXXX XXXX XXXX XXXX, causing account to go further in debt we were unable to do anything at that point. On XX/XX/XXXX the account was charged off, and by the end of XXXX was sent to collections. My wife 's grandmother had passed away in the beginning of XXXX. We believe there were possible funds that were to be deposited into that account. The manager of Great Western Bank in XXXX XXXX Iowa knows all of us personally. There is a great conflict of interest concerning this matter. My wife was a signer with her grandmother who also had a account at great Western Bank. They refuse to give us any information. The XXXX county sherrif deptmart XXXX was supposed to last 4 months. We had no chance of recovering the account, and the XXXX left us financially ruined. Also we found out there was a great Western bank account set up in XXXX with my wife and her mother in there maiden names. They both did not have there maiden name in XXXX. We inquired with the bank about this account and they told my wife she wasn't entitled to any information about the alledged account. My wife had that account since she XXXX years old her grandmother set it up for her. She later added me to account and the XXXX was my responsibility. There were pending child support payments as well.
Consumer complaint received 2021-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (FL)

Used XXXX to purchase half off restaurant tickets for XXXX XXXX XXXX. Their site was compromised through XXXX and fraud charges in the XXXX were initiated from my checking account repeatedly. Contacted the bank, Navy Federal Credit Union and had the charges removed. Now my checking account has a fraud alert and I will need to change all my automated withdrawals and deposits. This happened to the credit card of three other people I know. Please investigate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2020-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need to have ALL PAID Collection Accounts removed from my Credit Report. The accounts have been paid. I need them removed from the report as soon as possible. 
They have been paid for some time now.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CO)

On XX/XX/XXXX I was set up for an introductory meeting with a Mortgage Banker from Quicken Loans, that was set up as a referral from my co-worker. The call started at XXXX MT and immediately the Banker, XXXX XXXX ( XXXX XXXX XXXX  ) started asking me questions about my current mortgage and gathering information from me he needed to qualify me for a refinance. He asked for my Social Security Number and said it was so he could see my current loan information ( outstanding balance, rate, etc. ). He proceeded to ask more personal questions. I stopped him and asked if he was planning on doing a hard or soft credit pull - he proceeded to tell me that " he has already done a full credit pull ''. 

I contacted credit disputes at Quicken Loans and they said they will not reverse the credit pull. 


I never approved a credit pull. I've never refinanced ( I was a first time homebuyer in XX/XX/XXXX ) and never worked with Quicken Loans. I feel taken advantage of by cut-throat sales tactics fear the long term loss of buying power as a strong lender created by a lower Credit Score.
Consumer complaint received 2019-06-06
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. (LA)

Experian is reporting fraudulent info on my credit report. I have been a ID THEFT victim and they have been wonderful with helping to fix all the fraud. There is now a account that is re-reporting that was once removed due to it begin fraud. This account needs to be re removed ASAP as it is fraud. Supporting documents have been sent in. Thank you
Consumer complaint received 2021-11-09
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. (NJ)

Now this company is reporting on my Experian credit report that there is a negative payment on XX/XX/XXXX. This account has been closed since XX/XX/XXXX. So there for there is no negative payment.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TN)

I'm XXXX with a XXXX  XXXX, my husband recently passed.and I was affected by XXXX  XXXX. I requested mortgage forbearance and mortgage assistance several times with my mortgage servicer. I was in a forbearance and my servicer tried to foreclose on my home XX/XX/2021 I was in the forbearance. I feel Fay Servicing is discriminating against me because I'm XXXX. I have income to pay my mortgage, they are difficult to work with. My Account Manager will not return calls, customer service gives me misleading information regarding mortgage assistance and the foreclosure sale set again for XXXX. I'm hurt and disheartened by Fay Service unethical servicing practices and the run around. I'm being forced out of my home by my servicer and the Account Manager. My home is listed for sale. Submitted short sale documents and MLS Listing to Fay Servicing to be processed. I have requested again the property foreclosure sale be canceled because of me selling my home but they refuse to stop foreclosure sale. XXXX XXXX is the Account Manager, she will not response to calls and she refuses to assist me. Fay Servicing LN # XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (GA)

This is what I sent to board and staff of BB & T now Truist Bank I am reaching out in an effort to correct a wrong that was done that has negatively impacted in numerous ways that I will elaborate on later. I was a BB & T ( Truist ) customer due to condo mortgage being transferred to them. 

I was given the option of a payment plan, which would require me to pay {$5700.00} to bring my payments to the appropriate status, and then I was have the remaining amount added to my mortgage payment divided over 6 months. I choose the repayment option and paid the {$5700.00} payment at that time over the phone. 

I want to stress that I take my credit very seriously, worked very very hard over the years to ensure I kept my credit high and never late or delinquent on any of my accounts. I check my credit on all three credit bureaus daily to ensure payments are being received and things are being reported accurately. Within 48 hours of making that payment ( {$5700.00} ) and choosing the repayment option, I started getting notified that my credit has significantly dropped. I log into my credit monitoring apps and discover that my credit had dropped XXXX points. I called back to customer service and informed that the last representative I spoke with reported that my account was 180 days delinquent on accident and it was a mistake. 
To say this was very disappointing and frustrating was an understatement. The representative states she was sorry and would send documents to the credit bureaus to get the status changed and my credit would go back up. Well things continued to spiral out of control because of this. I checked my credit again for two days and finally saw my credit score go back up XXXX points. That damage had been done though. One of my credit card accounts check my credit monthly to ensure I am maintaining my credit worthiness. By sending the wrong status that showed I was delinquent to the credit bureaus the credit account pulled my credit when it had dropped XXXX points. This resulted in them reducing my line of credit and that reduction caused my credit utilization to got up by 23 %. So right after my score went back up by XXXX points, it went right back down by XXXX points because my credit line decreased. Most importantly, because of this mistake that was 100 % on your employee my available credit was reduced on one of my personal credit cards that I need to have access to at this time for my family. I have continued to get notification that my credit score had dropped due to the huge error made by your employee. I have also not been able use my XXXX business cards because of a reduced credit limit. The impact this has had on me and my family is unmeasurable. 

Regards, XXXX
Consumer complaint received 2023-04-10
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. (MD)

went to a car dealership shopping for a car on XXXX. The car salesman did not have permission to run my credit report with 10 + different companies. I requested for these inquiries to be removed, I have also filed a complaint with identitytheft.gov.
Consumer complaint received 2021-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (TX)

On XX/XX/2021 I have closed out a mortgage loan with Loandepot. They are suppose to send me the escrow amount but have not done so. They told me that it would take anywhere from XXXX weeks to XXXX  month to send me the money. To this day, XX/XX/2021, I have not got my escrow money and every time I call they are telling me that they have just re-issue the check but I still don't have any money ( they are lying to their teeth ). 

Please do not do business with Loandepot since they will tell you lies after lies so as not to give you your money on time.
Consumer complaint received 2020-07-23
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. (TX)

The account below has incorrect balance. 

1. XXXX XXXX XXXX  Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX/XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.
Consumer complaint received 2020-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 3rd or 4th time reaching out to Transunion regarding incorrect information being reported on my file. Please delete immediately or risk the pursuit of a lawsuit for violating FCRA ... 

The following inquiries were not authorized by me ; therefore, they should 't be on my report. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I, XXXX XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX XXXX
Consumer complaint received 2019-06-06
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. (LA)

EQUIFAXisaXXXXcompanywhoconstantlyviolatestheFCRArules!!IhavebeenthevictimofIDTHEFTandhavesentpolicereportsandtrovesofsupportingdocumentsintoEQUIFAXshowingthistobethecase.IhaveseveralfraudulentaccountsthatwereNOTopenedbyme!TheseaccountswerelistedonallthedocumentsI'vesentin.Theywereallblockedandremovedatonetimeandnowtheyarere-reportingandEQUIFAXrefusestodoanything,AllIkeepgettingtoldisthattheywereverifiedasbelongingtome!!!Thisis100%false!!IftheybelongedtomethenwhyisEquifaxnotsendingproofofthistomeormyattorney?EvenwithaAttorneyinvolvedEQUIFAXWillnotdoanything!!!Howcanyouoperatethisway?
Consumer complaint received 2022-11-17
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

I had filed a previous complaint about the information on my Chexsytems account. They had asked that I provide the police report proving the incident. As of yesterday I both received and mailed the police report they requested.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Checked Credit Report And Do Not Recognize These Hard Inquires 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.
Consumer complaint received 2021-01-28
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. (FL)

There are alledge accounts on my credit report for which I do not recognize. Pursuant FCRA 623 I am demanding they are removed XXXX XXXX/account number XXXX XXXX XXXX/account number XXXX  XXXX XXXX/account number  XXXX  XXXX XXXX XXXXaccount number XXXX
Consumer complaint received 2020-05-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (CA)

I made a dispute with my credit card company Bluebird American Express for which I have direct deposits linked and my own personal cash deposited, on XX/XX/XXXX in regards to several identical charges from 1 consumer unauthorized to charge my account. ( XX/XX/XXXX of which in the amount of {$100.00} was denied from same said consumer and flagged as suspicious from Bluebird American Express. ) XX/XX/XXXX charges were investigated and denied on XX/XX/XXXX for unknown reasons. And suddenly my whole account was suspended. I've just received my new card by mail and was never warned nor even given the chance to withdraw my available funds prior to the account closure without any explanation. I have not received notice of a check being mailed nor what might happen to any other funds made available to the account. I have attempted to contact bluebird customer service as well as their account protection services with endless ringing ( waited over 3 hours to connect to someone only for the phone to become quiet and disconnect the call completely ) there is no way to get ahold of any persons by email and I am in dire need of my funds to pay upcoming bills already strained due to this covid19 pandemic. At a time like this I can not believe that there is no remorse nor assistance towards helping this companies loyal customers. I've had an account with this company over 3 years with no issues or fraudulent activity to just be suspended due to improper investigation of a dispute clearly unauthorized if they had to flag my account for suspicious activity from the same company they authorized the smaller successful transactions multiple times. Please help a single mother of XXXX  in need of a voice against big bully companies taking advantage of their customers. Sincerely, XXXX XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

National credit systems has been reporting to my credit for years without ever showing proof of the original owed amount before being sent to collections. I was not made aware of the debt and once I tried to resolve, received no explanation or confirmation that it was myself that actually accrued a debt or any previous attempt to collect from the original owner.