davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX Balance : {$2300.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : $ XXXXXXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$2300.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-06-26
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. (GA)

I tried applying for a car and the dealership mentioned only applying for XXXX XXXX XXXX. 

These companies listed were not authorized to be applied to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (FL)

I tried to open an account online with M & T Bank on approximately XX/XX/2019. After going through the various information input screens the last was funding the account, the account required a {$50.00} initial deposit but I continued to get an error when putting in my information to fund the account both with a debit card or an ACH from another account. I waited the recommended 24 hours before trying to set up the online banking log in so that I could fund the account, I received multiple error messages here and was not allowed to enroll when using my account number and information to set up. The other option to enroll in online banking per the website was to enter your debit card number, I waited approximately a week to 10 days before receiving the debit card. I went online at that time to enroll in online banking and fund the account, again error messages and was not allowed to set up. The bank sent me a letter a few weeks after opening requesting that I mail them a copy of my social security card and proof of my residence with a bill in order to finalize opening my account and allow enrollment in online banking. I am absolutely not going to mail a copy of my social security number. I ignored the letter and gave up on attempting to fund or open this account, I started an account with XXXX XXXX XXXX instead. On XX/XX/XXXX I received a letter from M & T Bank showing my account balance as - {$14.00}. They were charging a monthly maintenance fee for the account I attempted to open and could never fund. I called customer service on XX/XX/2019 and spoke to the representative telling him the fact pattern above and requesting that he close the account, he responded that because it was an online account he couldn't close this out until I paid {$14.00} to bring the account to {$0.00} and then paid a {$50.00} early termination fee. I requested to speak with his manager. When I told the manager about the sequence of events above she said that because I had not mailed my social security card and proof of address they had not finalized opening my account, that is why I wasn't able to fund it or set up online banking. I asked her to close the account, she said she could not close the account because it had a negative balance of - {$14.00} which was the monthly maintenance fee and that there was an early termination fee as well of {$50.00}. I told her that I never funded the account, because they would not let me, I never spent a dollar or even activated the debit card, she said I would have to write a letter to her back office in order to close the account and that I would need to pay {$64.00}. To which I told her I will not be paying and I will be filing a complaint with the CFPB, she said go ahead, and so here I am.
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act Account XXXX XXXX Account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-14
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: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent letters to Equifax, XXXX and XXXX credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

LoanCare has gone out of it's way to perpetuate an increased delinquency in my account for no reason. 
In early XX/XX/2018 I lost my job for a short period of time. I called LoanCare, they claimed to want to work with me. Because I had fallen behind they locked my online access to my account, I called repeatedly requesting my monthly statements be mailed to me. I never received them! When I returned back to work in XX/XX/XXXX I began making weekly payments. All of the sudden in XX/XX/XXXX I get a statement telling me I'm in danger of going into foreclosure for non payment. All the weekly payments I had been making were placed in my escrow account. I was never notified that this was happening. I called on several more occasions requesting how to have my payments re-allocated. I was told by 3 individuals to email the customer service department and they would be able to help me. I received nothing more than the standard email acknowledging the receipt of my email request. No matter how many times I called for an update, I got told I submitted my email request incorrectly. Finally after the third attempt I was told that it is IMPOSSIBLE for my payments to be reapplied and furthermore there was no money left in the account after all the charged fees had been removed. I have had over {$4000.00} in fees removed from my escrow for lawyers, appraisals and court fees without my approval or knowledge!! My last 2 payments for the year were accepted as full payments but put into a suspense account due to them placing my account on a hold causing my account to show no payments for 6 months. I had {$14000.00} in payments withdrawn from my account on {$16000.00} in mortgage payments due for the whole year. Yet, my account has been put into foreclosure, my credit is ruined and the only conversation they are willing to have with me is to do a loan modification. They will not provide for me a detailed payment application file. 
I filed the modification paperwork because I really didn't have a choice. While I was waiting on the approval/denial I received a letter stating that I had over $ 4K in overage in my escrow account but they were refusing to send it back to me due to my account being delinquent. 
It was deemed that I qualified for a loan modification, however they want to jump my interest rate from 4 % to 4.875 % which causes my payment to increase {$130.00} a month and add over $ 9K to the back of my loan. I can't afford that! I have yet to receive the requested payment receipt report from them to match against my records. No one is willing to give me a straight answer as to why my payments were allocated the way they were and why my account was placed into foreclosure.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I sent XXXX XXXX a XXXX payment for {$740.00} for rent. A week later my room mate tells me he hadnt received the payment. I went in to my Chase account using the App and that is when I noticed that one of the numbers to the phone number was wrong. I immediately called the back of my debit card and spoke to a representative where I filed my claim. I was told that they would let me know what the outcome would be in about 10 days. They asked me if I knew the person who had received the money who happened to be a XXXX name and I continued to inform them that I didnt know her and that the money was intended to be for XXXX XXXX as stated on the transaction. I received a letter letting me know that the transaction would remain on my account as a XXXX transfer. When I called the claims department to Chase they informed me that in order to retrieve the money from the woman I had accidentally sent it to, that they would need her authorization and that they couldnt get a hold of her. When they called her, she answered, was put on hold and the call was disconnected. They asked me if I wanted them to try a second and third try and I told them yes. Since then I havent heard from Chase. Its concerning that when I open up the Chase app, the XXXX XXXX is there for customers to use and you fully trust that as a financial institution you would be protected if something went wrong. The woman who accepted the money has no right to receive it as it wasnt intended for her. Her name is not XXXX XXXX
Consumer complaint received 2022-06-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair credit reporting Act, DEPT OF EDUCATION/XXXX  Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602A, states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec. 2, states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MO)

It was Sunday, XX/XX/2021. I had read through some card offers, through my XXXX  online account, after checking my credit score. ( which was XXXX XXXX. I seen DISCOVER was offering a pretty decent one for 11.99 to 22.99 % variable APR w/ no annual fee plus 5 % cash back on certain purchases per a rotational basis, 2 % on gas and dining out and 1 % on everything else. So I unthawed both my XXXX  and XXXX  accounts temporarily, XXXX  because the offer was seen originally through their site and XXXX  because that's where it was stated in their terms they ran the credit check, and applied online. About 60 seconds after applying I was approved for a {$500.00} credit limit with the payments being due the XXXX of every month. I was informed that i should receive my new card in 5-7 days. Two days later I get a suspicious email from " verification services '' ran through XXXX  XXXX who I didn't unthaw nor gave any type of permission to share any of my info with anyone ) requesting two years of tax returns by e-signing a 4506-C document. It further stated in the email that DISCOVER was the one requesting the information AFTER I had already been approved. So i called DISCOVER customer service and spoke to a lady there and she said there was absolutely no record of verification services at DISCOVER requesting that info, and that i should not click any links within that email. she said my account was approved and everything was fine. There wasn't anything else there. So a bit relieved I just went on about my business. That is until I received a second email from that " VERIFICATION SERVICES '' requesting the same information again. This time I called the number on it. It was DISCOVER and it was them requesting 2 years of my tax returns. I asked the woman on the phone why they needed two years of tax returns for a simple XXXX credit limit and why this info wasn't requested during the application process and before the approval process if actually a requirement. She DID NOT answer either of those two questions. She just kept apologizing, but at the same time told me that they request the information with and from existing customers. I was a new customer that NEVER had a card with them before. Still finding her inability to answer my two previous questions and being dodgy made me very suspicious. So I told her to just close out the account i had just been approved for and that i would be filing a complaint with the CFPB. And here I am.
Consumer complaint received 2021-05-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I have requested several times for Ameris to complete an accurate and current escrow analyst due to the decrease in my home property taxes. I have not only sent the required tax document to Ameris bank, but I have called on multiple occasions to confirm that the tax document was received. The decrease in my property tax went from the amount of {$4900.00} to {$2500.00}. After at least 3 months for calling and filing complaints about their failure to complete an analyst, Ameris finally decided to complete the analyst using the out of date tax estimate instead of the most recent one from XXXX tax office that shows an obvious decrease in my property taxes. I have not only faxed a copy of this new tax estimate, but I have also emailed this document as well.
Consumer complaint received 2018-10-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (TX)

{$15.00} Date XX/XX/2018 XXXX XXXX transaction # XXXX XXXX AZ XX/XX/XXXX ( ... XXXX ) This company was one I used in the past. I have cancelled all services and was recently charged. I orginally established the account with an old phone number. They demand to send me a pin via text in order to discuss the account in length. I am unable to update my phone number myself through my account or with them on the phone. They demand that I fill out a document, which I filed, in order to bypass their requirements. I have filled out this form and nothing is moving forward. 

They charged me last year, I gave up on disputing it because they made it too difficult, never recieving the form. 

They want me to do the same process which I believe is going no where again. 

When I explained what happened the representative hung up on me.
Consumer complaint received 2021-11-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I went to the Wells Fargo ATM at XXXXXXXX XXXX to withdraw {$960.00}. The atm did not give me my money and the funds was withdrawed from my account. The bank refused to give me my money back and told me to file a claim.
Consumer complaint received 2018-04-19
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. (FL)

I was told by at least three XXXX XXXX representives that XXXX XXXX would be deleted from my credit reprts. I never applied for a XXXX XXXX credit card or received in items nor ordered any items from XXXX XXXX. Three XXXX XXXX representive told me it would be deleted from my credit reports. I disputed with the three credit Bureaus and the only one who deleted XXXX XXXX I need Equifax and XXXX to delete from my credit reports
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Upgrade, Inc. (GA)

Hello, Upgrade XXXX XXXX has many issues they will not work with their customers to fix or solve. I have called several times to change my due date and they will not do that.it a set date and they refuse to budge. The card also gets refused alot, several times at gas stations and stores. I have Paid off half of my {$6200.00} debt on the card in the last month, one payment of {$3000.00} and another of {$470.00} and my payment has not reduced at all. It still at {$450.00} plus a month. I do not understand how a company continues to work like that? I need some action done on my part. Their reviews are horrible on XXXX and other review websites. Can I please have some advice on this situation. I am paying the card off and not using it anymore but I feel like they are taking advantage of people. 

XXXX XXXX
Consumer complaint received 2020-12-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

In XXXX I submitted documentation from my County tax accessor and the VA to My Loan Care property mortgage company, showing I am a 100 % service connected VA and that I am exempt from taxes. Since that time I have called repeatedly I am told each time that my information has been received and that someone will contact me. This has yet to happen. I have spoken to supervisors, Ive tried to complain through this company, all to no avail.
Consumer complaint received 2021-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (IL)

my wife spoke with XXXX back in XXXX regarding a collection account that was on my credit report I didnt know I owed a balance and that I had an account in collections as I never had anything sent to me. we were told that in XXXX of XXXX and XXXX of XXXX there was a notice sent out to me letting me know the account was in collections. I asked to verify the address that the mail was sent to and both letters went to the rental property not my home address I was told that I would need to send a email over to XXXX whom is XXXX XXXX 's supervisor and that I needed to explain to him I never got the notice because it went to the wrong address so I was not able to dispute the collection and it was added to my credit report. I sent him an email and I have not heard back as of today.
Consumer complaint received 2021-05-02
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-01-11
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. (TX)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-12-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I signed up to open a new Checking and Savings account with Citibank in XX/XX/XXXX, with the following terms : Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 consecutive calendar days. Get {$400.00} deposited to your account! There are additional terms in the fine print that says I have to wait an additional 90 days from when I meet the criteria above to receive the {$400.00} payment. The total {$15000.00} deposit was made on XX/XX/2018, which means that the 60 + 90 Day deadline would have been XX/XX/2018. I confirmed with Citi multiple times via chat and phone calls that I had met the eligibility requirements, and all I had to do was wait for XX/XX/XXXX for the credit to post. After XX/XX/XXXX, I called in as it had not posted, and the rep opened a promotions dispute on my account, and told me that I would have an answer within 3 business days. ( Citibank Service Request # XXXX ). A week has passed, and I have yet to hear from Citi or receive the funds.
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (CA)

{$1800.00} with XXXX XXXX XXXX ( current creditor of your original Synchrony Bank ( PayPal Smart Connect ) account ). 

Basically I was harassed and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.
Consumer complaint received 2021-05-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IN)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously