davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC (CA)

Dear Consumer Reporting Agency, I am writing to inform you that I recently received my credit report and found inaccurate information on it. I believe that this violates the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681 and 15 USC 1681b. 

According to 15 USC 1681b ( a ) ( 2 ), consumer reporting agencies are only permitted to furnish a consumer report based on the written instructions of the consumer. As I did not provide written instructions to include the accounts listed below on my report, they should be removed. REMOVE TRANSACTION HISTORY this is not a dispute, it is written instruction. please update immediately. if there is consumer debt for XXXX XXXX XXXX, please send 1099c, it is illegaly to charge off an account and report monthly payments XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, as a consumer, I demand that the utilization for the above accounts be updated to 5 % or below, or alternatively, that all utilization information be deleted due to inconsistencies across the board. I would appreciate a copy of my updated consumer report once the changes have been made. 

Please be aware that if you fail to respond satisfactorily and remove the negative account information, I may take legal action against your company for FCRA violations, which includes civil liability and financial penalties. 

Please note that due to my current physical situation, which is the result of a prolonged XXXX sickness, I am unable to communicate by phone. Therefore, I request that we handle this matter electronically and through email. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XXXX
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into my account.
Consumer complaint received 2022-11-12
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. (GA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-12-02
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. (FL)

Per my Equifax report it is reporting inaccurate information. Equifax also is not updating my information every month as it should. I have a XXXX XXXX auto loan on my Equifax report is shows no new data or reporting since XX/XX/2021 which is showing I have a reported balance of {$4500.00} which is inaccurate and affecting my credit score. Equifax also shows that I have XXXX late payments, and this is inaccurate and negatively affecting my payment history rating.
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Checking accounts have been opened without my authorization on two separate occasions over a 2 week period at Bank of America. 

Bank of America states that they can lock my account and prevent new accounts from being opened fraudulently, but can flag the account. This has happened 2 times and the process to report the fraud and close the fraudulent account takes 3+ hours with endless phone prompts and wait times.
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Neon Newco Corporation (OK)

I had {$34000.00} in XXXX  bank account and in less than a month its all gone. I have tried to dispute it with XXXX I have filed on identity theft.gov put a place to credit freeze but I still dont know what happened to my account. 
I know that I would go to the ATM for the first time, and it would say Ive already exceeded my daily limit. None of it makes sense to me. also, I found a Western Union email and when I called Western Union and told her I think I might have identity theft and that the accounts were not mine she deactivated my account and then told me that I should go to the police department because of my finances, she said that there was something wrong
Consumer complaint received 2019-12-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CMM of Louisiana, LLC (KY)

XXXX XXXX started calling back in XXXX telling me I owed a debt for a Cashtyme debt that I took back in XX/XX/XXXX if not earlier. They told me I was going to have to go to court and deal with it there. Then on XX/XX/XXXX I received another call from them and a woman got on the phone and told me she is going to execute a warrant for my arrest if I didnt pay something today. I told them I had {$500.00} and thats all I had. She then told me if I pay {$500.00} that I would have to make 2 additional payments of {$770.00} in order to resolve this deal and not have a warrant executed for my arrest. I made the payment in {$500.00}. I then called the FTC and was told they was under review and they are known for scamming and it was her advice that I call and try to get my money back and report it and if they do send a judgement against me I would then have to go to court and I can fight it there or pay the debt then.
Consumer complaint received 2023-02-22
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-04-21
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. (AL)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1 XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2022-04-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (VA)

CBE GROUP added something on my credit for collections but I dont owe anybody anything I had made a report with you guys for receivable management system and they removed it because they were reporting on my credit XXXX times a week which is wrong plus it was on my credit too long so they removed it but I believed they sold it to this company CBE GROUP XXXX  XXXX XXXX has been harassing me too long and wont stop! This CBE GROUP lowered my credit score today!
Consumer complaint received 2021-11-17
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

Seterus Inc, whom represents XXXX as a servicer has charged charged me for 11 days of undue interest and has witheld a payment of apx {$72000.00} in overpayment to payoff my loan due their " internal processing time of 30 days. '' Additionally not paying me the interest on 7.25 % on use of those funds
Consumer complaint received 2016-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (IL)

I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (GA)

Ive included in past statements, however it renders mentioning again that my license and SS card were in my wallet when it was stolen. This was documented in the original police report I filed shortly after my wallet went missing. It explains why my address may be on some, if not all the purchases. I was also made aware of fraudulent credit card applications being made in my name with my SS number. I completely understand needing to investigate, thoroughly, because thats exactly what I have done on my end. However, it does not appear that Discover has properly investigated. These charges NEVER should have been approved with as much incorrect spelling and the inconsistent email addresses and phone numbers used. It should have been a red flag for Discover, yet theyre the ones that permitted over {$1700.00} in fraudulent transactions. I never received any requests to approve or deny these transactions. I notified Discover that my card was missing when I filed the police report and from there responsibility and negligence fall on Discover, NOT ME!
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. ()

I spoke on the phone with Navient about repayment options. They said I could have a forebearance. I asked if that would affect my interest rate and they said not as long as I began repayments on time when the forebearance ends. I have had a fixed interest rate of 1.75 % ( 2 % with 0.25 % benefit for automatic payments ) for at least 10 years and since I consolidated the loan when it was with XXXX. It has since been sold on a few times. Now Navient has raised the interest rate by 1 %, claiming that was a benefit and that when they read me the XXXX and XXXX it said I may forfeit " certain benefits '' of on-time repayment. It was never made clear that I had that 1 % as a benefit, nor that I would lose it. I asked multiple times to ensure my interest rate would stay the same, since it is quite low.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MD)

In XXXX 2014, I saw a poster advertised on the window front of my local Suntrust Bank. It promised a bonus of {$150.00} for opening a new account, as it read " It 's never been so easy to earn {$150.00} '' and on the bottom it read " For a limited time, we want to offer you a {$150.00} gift card just for signing up ''. Inside the bank, I was explained that I 'd have to have a special account that could accept credit card payments. I told the rep, that I do n't really need to process credit cards, but was persuaded anyways to open an account. I was assured of getting my bonus after just XXXX credit card transaction. I received a swiping device for credit cards for my smart phone soon after. I processed XXXX card for {$1000.00} and when I got the statement, I was shocked to see a charge of over {$80.00} as a processing fee. I was sure it was a mistake, and called the bank so they could correct it. They denied that it was a high fee, stating that it was a competitive fee for processing credit cards. That rate sounded very high to me, so I asked them to close my account. I was told : " Sir, if you close your account now, you 'll be charged an early termination fee of {$500.00}. If you want to avoid this penalty fee, you 'd need to wait for 1 year for the contract to end, before you can close your account. However, we 'll continue charging you our " standard '' monthly fees for that time ( 1 year ), and then we 'll refund you retroactively for that year. '' I was surprised to hear all this, since nobody ever explained any of this when I was signing up. On the day I signed up, I was in the bank for about XXXX7 minutes and was told to sign and initial in a few places, and the rep did n't give me any time to look over the documents saying, " It 's just the standard stuff all banks ask you to sign ''. In any case, I did n't put up a fight, deciding just to wait out the year to avoid the {$500.00} fee. I waited patiently for 1 year, not paying too much attention to the exhurbant fees I was being charged, knowing I 'd be getting them refunded soon. However, when the year was up, I called the bank to close my account, and to my surprise I was told " Sir, your contract is for 3 years, and if you close now, you 'll be subjected to the {$500.00} early termination fee. '' I could n't believe my ears. I tried to explain that I was told it would only be 1 year, but the other party did n't want to hear of it. I was also told at that time, that no fees would be refunded to me. After calling and emailing different parties at Suntrust with no success, I had to close the account " early ''. I ended being charged {$500.00} as an early termination fee. It 's been 2 years since I regretfully opened up an account with SunTrust Bank. They charged me close to {$1000.00} in fees and still send me letters claiming that I owe them more money. They recently threatened to report me to a collection agency which will affect my credit score, if I do n't pay up. Please help.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (RI)

The company recently misapplied two payments- one for {$1300.00} and one for {$300.00} on an another account. Based upon this incorrect payment application, they reduced my credit limit from {$25000.00} to about {$8000.00}. They won't fix their error ~ despite my long payment history with them
Consumer complaint received 2021-11-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MI)

I was on a forbearance with Flagstar mortgage company due to COVID. In XX/XX/2021 I requested to discontinue forbearance and began paying mortgage payments. I have been waiting since XXXX for the completion of the Deferral process. After numerous, weekly phone calls and hours of time on hold, I have been promised that it would be completed and I would receive a phone call back. It is now almost 6 months and the Deferral is not complete and I seem to get more unmet promises. I have not been able to complete other business and mortgage refinances due to this incomplete Deferral. I am tired of hearing that " this will be escalated to our team '' and NOTHING happens.
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. 
I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. 
Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. 


I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. 

I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.