davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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: EQUIFAX, INC. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy XXXX ex XXXX XXXX Bankruptcy XXXX
Consumer complaint received 2021-10-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/2021 I received two emails from Truist Bank that a new user ID was created and was associated with an online checking account, even though I did not open any account. I drove to the nearest branch office and they closed the account and flagged it. According to their records, the person that opened the account used my name, address, date of birth, and social security number.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (IL)

I originally sent a message to BMO asking to close my account via their website messaging function. I was told to call their call center to close my account. They were also unable to close my account for some reason. I was also told via message that my account would automatically close after 45 days of a XXXX balance. It has been well beyond that and my account is still open and they will not close via message or phone. I do not feel comfortable going into a branch given the current pandemic.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ABA Recovery Service, Inc. (AR)

Ive never had a lease with XXXX XXXX. There is a company reporting as a collection on my report named XXXX XXXX XXXX saying that I owe XXXX XXXX money. This is false
Consumer complaint received 2022-04-29
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. (CA)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXXX Balance {$5700.00} XXXX XXXX XXXX Balance {$280.00} Individual : Bankruptcy XXXX XXXX Reference Number XXXX Date Filed XXXX XXXX, 2012 TransUnion : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX
Consumer complaint received 2021-08-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

Eleven months ago I received a XXXX XXXX package inviting me to refinance using a streamlined mortgage. Last week after what was hardly a streamlined process I withdrew my application. 

This process was the most cumbersome mortgage application it has ever been my misfortune to have been a participant. XXXX XXXX XXXX has made mistakes at every level of this process, including, but not limited to non payment of insurance, for which I was nearly placed in an assigned risk pool. Non payment of taxes for which I nearly had a lien placed on my house. I was insulted and discriminated against. I was asked for cancelled checks which were impossible to produce since I pay on line. I was accused of fabricating the documents. Even though I have had a sterling payment record since it became my responsibility I certainly understand their doubts regarding my ability to pay. They did not ask for income so what was the problem. This is only the tip of the iceberg. I can not believe this of a loan origination company. I also found that my application was the oldest. The only one. Why? The last thing they asked for I needed to produce in ten days. It would have taken more than a month. 

The irony is that I was taking no equity out of the house. With a lower rate and a lower payment it would be easier for me to continue with on time payments. Thereby making me a better risk. 

I thought you should know how XXXX XXXX XXXX  does business. Up to now, we have had a good relationship. Since XXXX XXXX is out of the picture, I have every reason to believe that It it will continue. 
Sincerely, XXXX XXXX XXXX Loan : XXXX XXXX XXXX XXXX XXXX XXXX, CT. XXXX XXXX
Consumer complaint received 2021-08-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company did not complete an investigation for the fraudulent inquiry on my credit report. I have submitted my FTC report along with dispute letters since XX/XX/2021.
Consumer complaint received 2018-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one 360 checking XXXX XXXX XXXX checking Both accounts were closed without notice XXXX XXXX account was closed, after 20 hours on the phone and I personal guarantee I would get my funds of approximately {$4000.00} XXXX the next business day. 
I did not receive .I called again and I was rudely hung up on. I asked a representative if the conversation was taped I was informed that it was I informed the representative I will wait as long as it takes for her to review the the tape recording. 
The representative returned after approximately 40 minutes on the phone and knowledge that the check was supposed to be sent out. Using terminology there was a " mishap '' the explanation was that it was in transit therefore they couldn't cancel it and couldn't issue me another check after the first one was sent to the wrong address. the second I was extremely clear and requested confirmation of the correct address. I was informed that it was there was another mishap and it was mailed to the wrong address once again. 
I finally received the check made out to my business name. 
Since it was made out to my business name I could not cash the check I ended up spending {$450.00} at a check cashing place to cash a check those approximately {$4000.00}. 
took over a month-and-a-half which constituent in closing of two Capital One accounts business and savings was XXXX and Capital One Additionally because I was not able to receive my funds to pay on my credit cards with Capital One. 
I simply requested they transfer the monies from my checking account to pay off credit cards I was informed that's against company policy in essence Capital One checking could not make a payment Capital One credit cards same account, everything was combined 7 accounts in total Capital One closed all 5 credit cards continuing to charge me in outrageous fees and penalties for checks and payments being returned from Capital One checking same company the close the account that was holding my money and didn't have access to it. I repeatedly asked to speak to a supervisor I was never given the opportunity and was hung up on on numerous occasions. 
The practices of Capital One banking and credit card services are absolutely horrific especially due to the fact that I was recovering from two car accidents ( not at fault ) by drunk undocumented uninsured unlicensed XXXX XXXX which rendered me XXXX and consequently losing my business of over 28 years. 
Not only do I request all monies due to me .I requesting sanctions and an investigation to the extremely unethical and illegal business practices of Capital One credit cards Capital One 360 checking account and Sparks business and checking account I firmly believe that a class action lawsuit should be filed against the practices of Capital One and all Affiliates associated with a company
Consumer complaint received 2021-02-11
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. (DC)

I am a single mom with XXXX kids who suffered extreme physical and emotional abuse by my ex husband who fraudulently stole everything we had, opened credit cards under my SS # and caused us to be evicted and homeless for years. Due to my ex husband actions I received multiple calls from collections that were not mine and struggled to survive. I was able to settle with XXXX after I told them what has happened and that I am not responsible on these accounts but they kept threatening me to take me to court if I won't pay. XXXX never explained me my rights if any, even after explaining that I am a victim of Identity theft. They said that I am responsible since it's my SS and promised me to decrease the amount and delete the information from my credit report. After months of payments, I finished and called them however, they refused to delete the 3 accounts. I contacted the credit companies with regards to 3 XXXX accounts that were promised to be deleted, provided them with my eviction letter, a police report about my ex husband stealing all we had and explaining them that these 3 accounts are not mine. I disputed for over a year every month through their online dispute, called and disputed by phone, and mailed supporting documents. They just don't care. I am struggling during the pandemic with XXXX kids and these fraudulent items hurt my life severely. Please help me remove these three accounts from my credit repots.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
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 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

on XX/XX/XXXX I wrote a letter to XXXX, XXXX, and Experian asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with XXXX, and XXXX, but nothing changed with Experian, and Experian has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (AZ)

The day after I opened a Venmo account & had money sent by my fiancee, I went to withdraw/transfer money to my bank account as well as send some back to my fiancee. I was unsuccessful at it and received an error message that my account was frozen. XX/XX/2022 account set up, money transferred on XX/XX/2022. 
Had opened up a dispute online immediately. XXXX had back & forth conversation about why my account was frozen & Venmo asking multiple levels of verification my part, which 2 steps from setup of account had happened before account open. Asking for debit card, bank statements, photo of debit card & photo of ID or passport also. They have what I felt kidnapped my money from me.
Consumer complaint received 2022-01-09
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: Mountain Run Solutions, LLC (FL)

I have already 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 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2022-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

Mortage company is Loan Care. Loan Servicing Company is XXXX. 
XXXX we found out that our house insurance had not been paid and had been cancelled by our insurance company for non payment. The policy was effective until XXXX days later we got notice from the insurance company that Loan Care had not paid the premium and the policy was cancelled. our original cost for home owners insurance was XXXX per year. instead of paying that, Loan Care place their insurance at a premium of XXXX and notified us that our house payment would go from XXXX to over XXXX. The insurance company that we went to for help said that Loan Care had 90 days before they had to get forced placed insurance. LOAN C are placed it in less than 60 days.We were able to get a 'junk ' policy with the help of the agent and our previous company for XXXX. Now Loan Care says our new payments are going to be over XXXX every time we called to try to figure this mess out it was a different person in their insurance dept. and a different story! This has been a nightmare as we are senior and live on SS. Have heard almost the same story from many others in our senior group. " This is a way for them to foreclose on seniors ''
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-06-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

On XX/XX/2020, I visited the SEARS on XXXX XXXX in XXXX XXXX, CA to make my payment. Unfortunately, the store closed. This store has been here in our community for over 30 years and is how I make my payment every month. I later made arrangements to make the payment via the internet. I've been a sears client for a very long time. I reached out to sears customer service but they did not help me what so ever. I was charged a late fee of {$28.00} On XX/XX/2020, I was on hold with Sears to discuss this matter and to make my XXXX payment. I was on hold for over 2 hours. My phone died and was not able to drive home on time to use my computer and make my payment on the internet. I was charged yet another late fee of {$28.00}.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP (OH)

I live in XXXX, Ohio. Key Bank sent me an unsolicited offer in the summer of 2020 to receive {$400.00} if I opened a Key Bank checking account, and deposited {$500.00} for at least 3 months. The exact language was " one time direct deposit of {$500.00} '' - language which was not highlighted or explained. 
I took that language to mean I needed to transfer {$500.00} at least once, in a direct deposit. In other words, I could not satisfy the requirement by an intra bank transfer from a CD or another Key Bank account under my control. They provided NO definition of their terms, or intentions. I opened a new Key Bank account and deposited a check for {$500.00} from external sources. 

4 months later, I asked when my {$400.00} would be paid. I was then told, for the first time, that the bank required me to have at least {$500.00} deposited directly from my employer or other governmental income. 

I am retired and do not have an employer. I do not yet draw Social Security from my earnings. This is the first time I have been told of this requirement by Key Bank. Their letter did not say it was limited to those currently employed or drawing Social Security. During this period, Key Bank has had my {$500.00}, and I have been paying at least $ XXXX/month in various bank fees. 

This is a deceptive trade practice that fraudulently induced consumers to transfer assets on the promise of a {$400.00} windfall that is subject to requirements that are never set forth in detail.
Consumer complaint received 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

XX/XX/2020 / XX/XX/2020 Contacted Equifax to have credit repot unlocked. Calling the company XXXX number I spoke to an agent that has limited grasp of the english language. The agent asked written questions and after 20 minutes said he was unable to unlock my account. He said that a letter and answer sheet with documentation be sent to Equifax. A letter was sent via Fax to Equifax per his instructions on the XXXX XXXX, 2020. On XXXX XXXX, 2020 I received a letter form Equifax stating that the information sent was not sufficient to verify my identity. Calling Equifax XXXX number to inquire what other documentation would be required took me thru the same routing and questions that were asked in my previous conversation only to be told to send a letter to Equifax with the same instruction as before. When asked if I could get a number to contact someone in the USA he said they could not provide me with a number. No email address are provided for Equifax so contacting someone to resolve the problem makes it impossible. XXXX XXXX, 2020, another letter has been sent to Equifax requesting my account be unlocked.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

On XX/XX/2019 we were shopping around to refinance our home’s interest rate.  Every financial institution was in the 3% range.  We came across XXXX XXXX and noticed XXXX  so we thought we would give them a try. The representative started asking the typical financial questions.  However, he was confusing us on asking for our SS# several times, even after he had ran our credit report and even stated our scores. The representative told us we are clear and have great credit scores.  He then asked for a XXXX deposit and said we would receive it back at the close of the transaction.  We gave him our credit card information and he processed the XXXX.  We trusted XXXX, considering they were connected to XXXX XXXXOn XX/XX/2019(the next day) his manager asked us again for our SS# stating “we gave them the wrong SS#.” So we started getting nervous but reluctantly gave the SS# again. The same day but later after the manager contacted us.  The representative emailed and stated “I haven’t heard from you in a couple of days.”  I told the representative that we just spoke with his manager and we spoke with him yesterday.  I also told him, I don’t have the time to respond to so many emails.  I told him to just send me an email stating what he needs.  He sent me an email with a screen shot of my credit report, asking me to write a letter of explanation of inquiries.  Problem is, besides our cell phones, the inquiries were all XXXX, which seemed confusing.At this point, we really started getting nervous, so we searched the internet and discovered XXXX   has a pattern of collecting XXXX base on some frivolous interest rate (2.375%).  XXXX  So I asked the rep for our money back.  The manager sent an email with an attachment stating “you signed this.”  The attachment was XXXX policy stating “NO REFUNDS.” The document had no signatures. We explained, we never saw this document.  Also, the rep did not make us aware of the “NO REFUND” policy when he asked for the XXXX.  I asked the manager to send me a copy of this document with our signatures, he stated “it was signed electronically.”  He never sent the electronic signed version.  I expressed to the manager that the interest rate could not be found at any finical institution we contacted.  He stated “what are you upset we are the lowest.” I said, I just want a refund. He stated no refunds.  I have all of the email exchanges, which will need to be redacted.