davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a checking account with B of A. B of A allowed my wife ( we are separated ) to set up recurring payments on the account. My wife ran up a large overdraft on the account, including hundreds of dollars in NSF charges. I tried to pay off the account and close it while this was going on ( she was purposefully doing this ). B of A refused to close the account because of the overdraft and when I tried to pay the overdraft, with a check from my XXXX account, refused to take the check to do so. I was at the B of A branch at XXXX in XXXX and instead of closing the account, or even letting me talk to a B of A banker about it, they stuck me in an office and a customer service rep tried calling B of A on the phone. After waiting on hold for somewhere between XXXX XXXX  and XXXX XXXX XXXX  I left. Same thing when I call, am put on hold for huge lengths of time. Although I am a XXXX XXXX, I still work and can not wait indefinitely. Have tried to go on-line to pay and close but if B of A has this functionality I cant figure it out- not obvious.I have gone to 3 separate branches to accomplish this without success. 

I want B of A to back out the nsf charges, many of which were incurred because they would not let me close the account and have someone contact me ( XXXX XXXX XXXX ) who can take an XXXX  so I can resolve this. Also, to the extent they report negatively to any bureau, clean that up.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (PA)

To Whom It May Concern, Hello, my name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new car and these items wont get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-04
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. (MS)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Acct # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX Acct # : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-23
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. (AR)

I found out that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$14000.00}.
Consumer complaint received 2021-11-13
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 — Was not notified of investigation status or results
Company: Sequoia Financial Services (CA)

XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with Sequoia Financial Services or XXXX XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Consumer complaint received 2021-11-08
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: CITIBANK, N.A. (AZ)

On or about XX/XX/21 XXXX, an internet music company charged my Citi Rewards Mastercard {$9.00}. I did not recognize or authorize this. I called Citi Bank credit card rep. who credited the charge, reported fraud, cancelled the account and resent me a new card with a new number. On XX/XX/21 I noted XXXX charged my new MC account {$15.00} on XX/XX/21. I called Citi Card rep and discovered via supervisor XXXX, that Master Card has a provision to give so called recurring charges to newly established credit card numbers. The previous rep. failed to disable this feature thus I was still being billed erroneous charges. Citi supervisor XXXX had to cancel my account ( again ) and send a new card. It is not clear that Citi has done their due diligence to prevent XXXX from frauding us again. Also I asked for a customer good will compensation but was denied any dollar amount.
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Today I called and spoke with Transunion. The representative I spoke with was XXXX work ID # XXXX. There were fraudulent inquiries placed on my report. The representative denied my right to seek remedy in removing inaccurate information from my consumer report. As a consumer who understands federal law, this is a direct infringement on my rights to truth on my credit profile. This is not right and I am seeking remedy.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

RE XXXX XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 



XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2021-11-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

On XX/XX/XXXX a security instrument was given to HUD ( via XXXX XXXX XXXX ) in connection to my home located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The security deed was previously serviced by XXXX on behalf of HUD until it was transferred to Rushmore Loan Management Services as evidenced by a letter dated XX/XX/XXXX. In XXXX, I corresponded with Rushmore Loan Management Services in order to secure a payoff of the primary loan and any subordinate instruments associated with my home. I was given a figure and paid that amount. Until XXXX of XXXX, I took for granted that RLMS had sent XXXX release paperwork to my XXXX. Upon my attorney 's research into the title, it was discovered that the smaller security deed was never released, although RLMS shows the balance on that instrument to be XXXX. In XXXX of XXXX I began to inquire about a resolution with RLMS. The result has been disastrous. RLMS has not been responsible in following up with me on this matter which has been unresolved for almost two months. The latest information they disclosed to me is that they have sent some unidentified information to HUD and that HUD responded with unidentified questions for RLMS. I can not get a clear answer to my inquiry. In the meantime, {$4400.00} is being held in limbo during a home sale process. This is money that I need and can not access. I filed a complaint with HUD and am now doing so with you. I can not reach HUD to inquire and am left thinking that something is amiss with RLMS. I have no recourse of action as RLMS will not connect me with their lien release department, nor will they connect me with someone who can answer my questions. The original XXXX case XXXX on the instrument is XXXX ( this is a Georgia subordinate security deed : HUD instrument XXXX. The number XXXX assigned to the deed was XXXX. The loan number that RLMS assigned is XXXX. I need some pressure to be applied to RLMS to reveal what is really going on. Thank you.
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by one day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the XXXX student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Consumer complaint received 2021-12-02
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: JPMORGAN CHASE & CO. (OH)

Chase credit card XXXX DE XXXX On XXXX someone has used my card at XXXX XXXX XXXX XXXX XXXX Ohio XXXX charging me XXXX while I was at XXXX XXXX library attending food drive organized by XXXX XXXX XXXX XXXX to pick up free produce. 
I Disputed first time on XXXX full credit was given for $ XXXX then i did not hear from them. So I thought matter is over. 
Again the charges appeared in my XXXX statement XXXX XXXX I disputed again I went to XXXX and received the receipt.Kind of food was ordered I do not eat that kind of food Dog food I do not have a dog at home chicken, fish, turkey I am vegetarian. I asked chase freedom card co. to give me credit I went to branch with XXXX receipt person said you they are working with XXXX, call customer service they say you just wait they are investigating. No one gives correct answer. I talked to my son who lives in California and he has business account with chase he calls manager for help XXXX arranges 3way call with dispute team i talked to lady over phone she said. credit was given that was temporary which never knew until XXXXthen she says card was used physicial by using chip I never knew that either. 
some criminals must have created duplicate card and used it, While I was waiting in line for my turn to come topickup free produce and card was with me in my wallet in my car If I knew credit was given was temporary I could have gone to XXXX to find out what is going on. manager could have shown me video to see who is at the check out if not me but I went in XX/XX/XXXX video was not available after 60 days they delete itXXXX AT Library I was attending food drive volunteer were taking everybody 's address, name driver 's license recording in her XXXX  was there between XXXX and XXXX I attended this food drive every Tuesday of the month. I could ask volunteer to varify my presence at library onXXXX in XXXX but XXXX was too late. program ended on XXXX XXXX XXXX XXXX XXXX was to late to verify any info. from XXXX or library.So I am asking chase to credit my account for $ XXXXchase to give me credit for {$140.00} I did not purchasepurchase that food
Consumer complaint received 2021-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MD)

Good day. On XX/XX/2021 I received a communication [ NOTICE OF SERVINGS TRANSFER ] from LOANCARE. I followed the instructions and tried to make my mortgage payment too XXXX XXXX via the website but to know avail. On XX/XX/XXXX I sent a RESPA REQUEST AND REQUEST FOR VERIFICATION OF DEBT VIA certified Mail receipt. As of this day I have not received a response back. I continue to receive threatening calls from XXXX XXXX  REQUESTING FOR PAYMENT WITHOUT SENDING ME A HELLO LETTER IN VIOLATIONS OF XXXX XXXX XXXX  transfers. I CONTINUE TO CONTACT LOANCARE and they continue to give me the run around. They will not respond back to my certified mail request for validation and verification. Now LOANCARE and XXXX XXXX is demanding for payment.
Consumer complaint received 2021-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (NJ)

Team- I have been a loyal client of BB & T for over XXXX plus years and on XX/XX/XXXX, I applied for the new TRUIST XXXX XXXX XXXX  Credit Card with an application ID XXXX. 

Received a letter that the application was received on XX/XX/XXXX and that I would have an answer in ten days. 

On XX/XX/XXXX I received a letter from TRUIST that a CREDIT SCORE from XXXX could not be obtained. I contacted XXXX and there is nothing wrong with my credit report. 

I had this EXACT same problem with BB & T on XX/XX/XXXX whereby they had to contact XXXX. They fixed the problem, obtained the score and approved the credit card. Only after I had to write to the President XXXX XXXX for assistance. 

This is the SAME letter that I received from BB & T in XXXX. I guess they are using the same system after the merger with SunTrust Bank. 

On XX/XX/XXXX after over XXXX hours on hold, I finally spoke with a representative in the credit card department that was clueless. He did not understand the problem and I asked to have my call elevated to a supervisor named XXXX who said she understood the problem was a " feed '' from XXXX and she would elevate it to the XXXX Offices for resolution. 

On XX/XX/XXXX, I was asked to fill out a survey on my recent call to the credit card department and I gave them the worst possible score and wrote a complaint that no one could help me. 

On XXXX and XX/XX/XXXX I received a calls from XXXX from SUNTRUST BANK who said she was following up on my poor service. She called twice and could not help me. She said that she would elevate to Executive Offices to help me. 

NO ONE HAS REACHED OUT TO ME. 

Today, I tried to call Credit Card services and the wait time was well over an hour so I tried the " chat function '' on the website. IT Doesn't WORK. It tells you to call in for help? What is the purpose of the chat function? Try it. 

Bottom line. I would like to have my application reconsidered and approved for the new TRUIST XXXX XXXX XXXX Credit Card. 

Can someone please help me? I have talked to 5 different people and NO ONE SEEMS to understand the problem. 

XXXX XXXX phone : XXXX e-mail : XXXX XXXX
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my final attempt to have a bankruptcy that does not belong to me, remove from my credit reports. It is your failure to comply with Federal laws that states CRA 's are to report accurate, complete and verifiable information only. I have received a letter from XXXX XXXX that they are unable to locate a file on me. I also went as far as contacted the court listed on my credit file and they have told me that they do not send anything, regarding bankruptcies to credit bureaus or consumer reporting agencies and there is no such file under my name and personal verifiable information. I have attached a copy of the letter from XXXX XXXX with this complaint. You have 30 days from the date of this dispute to remove an item that does not belong to me. I am a litigious consumer and I will not hesitate to file a lawsuit against you. Please do your due diligence and removed this bankruptcy from my credit file immediately.
Consumer complaint received 2021-12-02
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. (GA)

The following inquiries below are unauthorized and fraud. I have called Equifax and they were able to remove a few but the ones listed below they did not comply with my request to remove these inquiries I did NOT authorized. It was not me. 

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 2021-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business & Professional Collection Service Inc (TX)

My client sent several requests to Hospital Collection Services on my clients medical debt that was reporting on her credit reports. First written request was on XX/XX/XXXX. After thirty days of no response, I see they violated my clients rights under FDCPA to request verification on information reporting on her credit reports. As there was no response, I sent a letter to the credit bureaus dated XX/XX/XXXX by mail requesting the validation of the debt. By XX/XX/XXXX neither company responded, so I decided to send a follow up letter to Hospital Collection Services letting them know that they were violating her rights under FDCPA and FCRA. By XX/XX/XXXX I received a statement that was vague with no signatures, no HIPPA release as requested by my client.
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 — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (OK)

Not applicable to me, Fraudulent Account on my credit report I have sent in numerous letters in attempt to verify and get this resolved off my credit report, I have also sent letters to XXXX, XXXX and other reporting agencies and they all keep pointing the fingers. 

The company states that they can not find me in their system yet the company is listed as inquiry on my consumer report. I would like this inquiry and others removed expeditiously as they were opened without my written or informed consent.
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: GFS II, LLC (IL)

I became unemployed on XX/XX/2021. In XXXX, I fell behind in paying my car payment. I spoke to Gateway Financial, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX, and they mentioned they would work with me as long as I emailed them my confirmation letters from the Illinois Department of Employment Security ( IDES ). In XXXX, I was able to make a one-time payment to cover XXXX month. I continued to email them my confirmation letters from IDES that confirmed my certification biweekly. I also emailed them proof that I received a job. I sent them a screen capture of my orientation date and time. I was told that I may qualify for an extension considering my circumstances. A few days later I received a call mentioning that I need to make a payment right away or my car would be repossessed. XXXX days later, my car was repossessed. The date was XX/XX/2021 just XXXX days before XXXX and XXXX days before I would start my new job. 

After reading customer complaints on the XXXX XXXX XXXX it seems that this company is notorious for misleading its customers.
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CT)

I had a car loan on a XXXX XXXX XXXX XXXX with TD Auto Finance LLC ( XXXX XXXX XXXX, XXXX, ME XXXX ). On or about XX/XX/XXXX I was in a motor vehicle accident and the XXXX was totalled by XXXX XXXX XXXX XXXX on XX/XX/XXXX. On or about XX/XX/XXXX a check for the balance of the loan ( {$21000.00} ) was issued to the lienholder TD Auto Finance LLC. See attached copy of check. This check was deposited on XX/XX/XXXX by TD Auto Finance LLC/TD Bank XXXX XXXX The loan was paid in full. 

However, in XXXX of XXXX I received notice from TD Bank that I was in default of my already paid off/closed car loan. This continued through XXXX of XXXX. See attached default notice dated XX/XX/XXXX. TD Bank is claiming that I still owe them monthly payments on the car loan despite the loan being paid off almost four months ago. My credit score has dropped from XXXX to XXXX. See attached Credit Karma Screenshots. This has resulted in much higher interest rates and APRs. This is especially important to me because I have to replace my totalled vehicle and I have to pay more than I would have when buying a new vehicle because my credit score is lower.
Consumer complaint received 2022-05-05
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. (CA)

In accordance with the fair credit reporting act XXXXt account XXXX XXXX XXXX. acct # XXXX, XXXX XXXX acct # XXXX, and XXXX acct # 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