davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION (NY)

Branch XXXX should be removed XXXX XXXX is Very unprofessional and posses very poor managements skills.This branch failed to follow the simple steps on how to open a business bank account. Causing me to miss out business and personal time/profits due to their incompetence. As if the mistake they made was not enough, the branch XXXX XXXX took it on him to Closed my account and claimed charged off erroneous. Failed to provided timely resolution to their mistakes and abusing of his branch managerial powers to close my account. 
No consumer should ever feel afraid and the pain of a managers poor abilities to take care of their clients personal information and complete a simple banking transaction. It would be great for the community to replace this team member XXXX XXXX from this branch with more knowledgeable and friendly staff.
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (GA)

To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2022, I received a text message on my mobile devise from an unknown source. I opened the message and there was encrypted information. However, no changes were seen in my cell phone or any of my accounts.. 

On XX/XX/2022, a total of {$1000.00} dollars was charged to checking accounts with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$3000.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4500.00} dollars was charged to checking account with TD Bank account ending in XXXX via a credit card ending in XXXX. 

On XX/XX/2022, a total of {$4200.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

All the transactions were paid to XXXX XXXX XXXX XXXX. These transactions were all international transactions and I was charged a total of {$380.00} dollars in fees. 

On XX/XX/2022, a total of {$4000.00} dollars was charged to checking account with TD Bank account ending in XXXX via credit card ending in XXXX. 

The transaction was charged to XXXX XXXX XXXX XXXX via the credit card.. TD also charged an international fee of {$120.00}. 

I filed several claims with TD Bank and the TD Bank denied all the claims. The funds were not reversed and my account remained in a negative standing for over 60 days. TD bank sent the information to a debt collector and closed my accounts.
Consumer complaint received 2022-09-21
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: Professional Finance Company, Inc. (CO)

On XX/XX/XXXX I sent Professional finance a letter to validate 2 accounts they placed on my credit file. on XX/XX/XXXX Professional finance proceeded to send me a simple printout. The FTC has noted that providing a copy of a printout, bill, or alleged account documents does not constitute validation. They also did NOT provide me with a signed authorization to release my medical records. They have now violated HIPAA and FDCPA and FCRA laws. 
On XXXX I sent a failure to validate and hipaa violation letter and to cease and desist all collections. They have not responded nor have they removed this account from my reports. 
Ive included all correspondence as well as a copy of my credit reports
Consumer complaint received 2022-09-15
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. (NY)

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within XXXX XXXX but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX XXXX  card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX which I did and they said to there knowledge XXXX took nothing off for there mistake.
Consumer complaint received 2022-09-15
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: CITIBANK, N.A. (NY)

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my citi credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call citi which I did and they said to there knowledge XXXX took nothing off for there mistake.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$58.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DC)

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXBalance : {$0.00}
Consumer complaint received 2022-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a check in the amount of {$420000.00} on XXXX XX/XX/2022 at Chase bank and one week ( 5 business days ) later, none of the funds have been made available to me. I have no history of overdrafts, the check is from a stable institution and the bank has no reason to believe that the check is un-collectable, I have been a long time customer of Chase, this is not a re-deposited check, and the bank was not impacted by a natural disaster or other emergency. I am unaware of any justifiable reason as to why the bank should hold my funds in excess of 5 days or that they would not have made at least a portion of the money available to me. I called the bank to request that the funds be released and they were unwilling to do so.
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (CA)

It appears that my credit/my file/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/remove these files. 

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. 
Names : XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Accounts : PENTAGON FCU XXXX, PENTAGON FCU XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2022-07-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NC)

I opened an online savings with CitiBank on XX/XX/2022. They had a promotional to earn XXXX XXXX  {$300.00} promotional cash bonus. If you put in $ XXXX, you get {$100.00}. $ XXXX you get {$200.00}, $ XXXX you get {$300.00}. I put in $ XXXX an entered the bonus code. I went online to Citibank customer service/Chat feature the end of XXXX to check on the status of my bonus. I was assured that he could see the promotion bonus code and that I should rest assured I would get my bonus soon. As of XX/XX/2022, I still do not have my {$300.00} bonus. I went online again today, XX/XX/2022 and chatted with Citibank. They now say that I did not open the correct type of savings and I will not be receiving my {$300.00} bonus as they promised. They agreed they could see the last chat where I was assured I would receive my bonus.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX 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. 

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-09-01
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX bankruptcy discharge Filed on XX/XX/XXXX Reference number : XXXX ; XXXX Inquired on XXXX XXXX, XXXX
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. XXXX XXXX Acct. # XXXX,. XXXX XXXX Acct : # XXXX, XXXX XXXX Acct. : # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Acct : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX XXXX Acct : # 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (AR)

I made an online payment with the bank account information I have online which is my checking account as I mostly always do. So I was checking my account everyday there after to see if the payment had came out which it haven't, after a week or so I decided to call my mortage company to see if they had received the payment and the representative I talk to said the payment had posted, don't worried it will probably appear on your account. After a week or so it still hadn't came out so I called my mortage company again and the representative this time told me it had been reversed because of a close account which is not the account I used to make my payment. This only happens when we try to do a streamline refinance with our mortage company. We never have a problem until then. So at that time I schedule a payment to come out on XX/XX/2022 but it didn't come out until a later date trying to cause me to be late which was no fault of mines. I wouldn't had known the payment got reversed if I have not call my mortage company I didn't get a email letter or anything communicating with me about the failed payment. So I had been impacted by COVID-19 so I requested forbearance and the representative told me I have XXXX qualifying months left and told me I have to pay for XXXX and I want have another payment until XXXX, and that it wouldn't affect my credit report. Another week past by and I didn ' get any kind of confirmation so I called again to see if I needed to do anything else and they told me I had max out but wouldn't tell me how many months it takes to max out, I only used 9 months with 3 qualifying months left, so how can I be max out, so please check the partial claim it will verify.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within 24 hours but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX credit card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX  which I did and they said to there knowledge XXXX took nothing off for there mistake.
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

I took out a car loan with Security Service credit union and paid it in full. Security Service credit union is holding a balance of nearly {$1000.00}. They will not let me have my money because I don't know the account number. I lost the paperwork when I moved into an XXXXXXXX XXXX XXXX. I'm XXXX XXXX XXXX and in poor health. I can't go to their office because of my health issues. All I want is for them to transfer my money to my XXXX XXXX checking account.