davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX  is showing an inaccurate debt reporting on my credit report from XXXX XXXX XXXX  in XXXX XXXX, GA. I have contacted XXXX XXXX and the management company, XXXX XXXX XXXX, and spoke with a XXXX XXXX AND XXXX XXXX. Both state they have no knowledge of any account owed. I contacted XXXX XXXX  and was told to " stop talking '' after I told them they are inaccurately reporting an account that does not exist. The representative released the line in my ear after I told her I would not stop talking. I have filed a complaint with Top class Action Attorneys as I have located more than 100 complaints online in regards to illegally reporting and attempting to collect debts not owed. This will lead to a class action lawsuit that will help prevent this company from illegally reporting and collecting from individuals.
Consumer complaint received 2022-03-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

FDIC has already referred this to you under reference # XXXX To whom it may concern ; Ive been trying to get help from Bank of America and was told they would escalate my case but have been giving me the run around. Because of this, my account is negative and I am past-due with my rent and other bills. I have no money to pay them! My family will literally be homeless and my car repossessed very soon! 

Last month I received a text from Bank Of America stating there was fraudulent activities on my account. I clicked on the text and then my phone rang. The person introduced herself as someone from Bank of America fraud department. The caller ID on my phone said Bank Of America. She said to protect my account would need to verify recent activities with me. She then sent a secure link for me to log into also mentioned that a security code would be texted to me ( which it was ). Then asked for the code to verify my identity. Then she reviewed some recent charges with me. She then said everything should be ok now, thank you for being a Bank of America customer. This was during the time I was back-and-forth to the hospital as my mother was there. It wasnt until my brother sent me money he owed - that I logged into my B/A online account to confirm receipt is when I noticed many XXXX transactions to names I did not recognize - totaling {$16000.00}!! Can you please help me? 

Bank of America claim number is : XXXX Fraud Department phone : XXXX Last agents I spoke with : XXXX - ID # XXXX - XX/XX/22 XXXX ( in Delaware ) ID # XXXX - XX/XX/22 XXXX ( in Texas ) ID # XXXX **said a XXXX would call back in XXXX hours but never happened ** Me and my family are running out of time as weve already been served with a Notice To Quit Please help ASAP. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (IL)

I lost my job at the end of XXXX due to COVID-19. The only financial assistance Ford Credit is offering is in the form of deferring one payment with a {$98.00} fee. That doesn't help the situation whatsoever, it only makes it worse. It seems to me that it's only a way for Ford Credit to get more revenue while taking advantage of a global pandemic and people losing their jobs.
Consumer complaint received 2022-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX XXXX, has violated my rights. XXXX XXXX XXXXXXXX has not sent any documentation proving the debt or any signature proving how the account was opened. 


In accordance with the Fair Credit Reporting act XXXX XXXX Account : XXXX, has violated my rights. XXXX XXXX has also sold the account and reports a balance that is different from XXXX which is the company they sold the debt to, XXXX has various amounts and will not send documentation of a signature or how the account was opened, it has been past thirty days.

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 2022-11-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XXXXXXXX XXXX XXXXXXXX CITI Bank with whom I was banking for 2 years decided to close my small business account. 

As this was my only business account and in order to keep the business alive and pay my employees and suppliers, I needed access to the funds as soon as possible and I called everyday CITI bank and asked them to expedite the closure so they can send the check faster to me. 

On the XXXXXXXX XXXX XXXXXXXX the total balance of {$510000.00} was withdrawn from my account, and subsequently I received a check in the order of my name, ( which is strange, I should've got one in the order of my company XXXX XXXX, as it was a business account ) in the sum of {$500000.00}, so {$3100.00} less then the total amount that was withdrawn. 

Moreover, after the XXXXXXXX XXXX  XXXX additional funds were deposited in my account from some of my suppliers, that unfortunately updated their records of my banking details later than the date when they made the transfer. Specifically, {$2100.00} from XXXX XXXX {$440.00} & {$2300.00} from XXXX. These funds were on my balance until XXXX XXXX when they were again withdrawn by CITI. 

The check I received in the sum of {$500000.00} I tried to deposit on my new business account with XXXX XXXX  XXXX. I wasn't able to do it as it was not in the name of my company but my personal name. So, I tried to deposit it on my personal account with XXXX XXXX XXXXXXXX on the XXXXXXXX XXXX XXXXXXXX. On the XXXX XXXX XXXXXXXX the check was rejected with the line " ITEM RETURN CHARGEBACK '' and XXXX XXXX XXXXXXXX informed me CITI bank has placed a STOP PAYMENT on this check. So now the check is not valid anymore. 

I called CITI on the XXXX to try to understand the situation but nothing clear was explained to me. And now I don't know what else to do, and need help! 

Total money that is owed to me by CITI BANK is {$510000.00}. I request this matter to be expedited and a NEW CHECK for the full sum of {$510000.00} to be mailed to me in the order of my company ( under which the account at CITI was opened ) XXXX XXXXXXXX, as a matter of urgency.
Consumer complaint received 2022-03-27
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. (OH)

XXXX XXXX  Delaware is on my accounts and was closed per report records in XXXX and XX/XX/2022 during dispute on their behalf. It was showing charged off multiple times but still an open account previously. This account needs removed for the inaccuracies and multiple incorrect errors from agencies. This has kept me from moving forward with my business plans and the ability to obtain the funding I need for supplies and proper equipment including transportation and home improvement. Due to this company and its lawyer, XXXX XXXX XXXX XXXX placing a judgement lien on my home I now have had to work so hard to apply for loans with rates that are ridiculously high and will not cover what I need to get started. I am attaching documents for exhibits. I also what to address that I am at a time in my life where my situation has changed over the past several years and attempting to make a better life. However, it is this account that is absolutely in error and requesting to be removed deleted due to the violations of my rights example of identity issues other names, phone numbers, social security number and the accounting is showing only some information with past due amount of 120 days within 30 days when a payment was made on a closed account with a credit limit but its charged off. Can someone explain this? In Honor and Grace, XXXX XXXX
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (NY)

I currently have a mortgage for my co-op apartment in XXXX XXXX XXXX with Guaranteed Rate. My difficulty comes in trying to sell the apartment. 

When we close on purchase of this apartment Guaranteed Rate took possession of the original stock certificate and lease document. This is standard practice for lenders who provide financing for co-ops. 

Now I'm in the process of selling the apartment. Every step of the process of selling is complete - I have a contract and the buyer is clear-to-close from their lender, however, the closing is being held up on delivery of the stock and lease. 

The payoff attorney that Guaranteed Rate is using for this deal is the same payoff attorney my previous bank ( XXXX XXXX ) used for the sale of a previous co-op apartment that I owned. This payoff attorney is well respected and on top of sales like this. They submitted the request to Guaranteed Rate to provide the stock and lease documents on XX/XX/XXXX. 

The bank responded that it would take " about 4-6 weeks ''. This is already a long timeframe to work with - XXXX XXXX returned the documents for my previous sale much faster. I waited patiently and 6 weeks has come and gone. 

As of today it has been 8 weeks and 2 days since the original request. As I understand banks are under no obligation to return the documents in a timely manner - theres no stated deadline they have to abide by? It seems unconscionable that they can delay the sale by not acting quickly to return the documents. 

This delay is causing real and potential damage. The longer this delay persists the greater risk the deal is put in. I have until the end of XXXX until the contract expires, but even up until that point there is always the chance for an unlikely event to cause the entire deal to collapse. 

The real damage Im incurring is the cost of the loan Im still required to pay until the sale is closed. Every day I pay {$48.00} in interest to the bank, and {$51.00} to carry the maintenance and utilities for the apartment. 

As of the day of this complaint ( XX/XX/XXXX ) Ive paid {$1900.00} of non-principle carrying costs due entirely to Guaranteed Rates failure to return the documents needed to close on this apartment. {$920.00} of which has directly enriched Guaranteed Rate in the form of interest on my loan.
Consumer complaint received 2020-05-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (WV)

I was made aware, that once again, XXXX XXXX company has placed a bill in my name in collections for {$300.00}. This time it is with the Receivable Management Company. 
This is not my first experience with XXXX. In the past, they placed bills with agencies, I'd fight and dispute, win, then after awhile they just place it with someone else. It's already been determined that I do not owe them, as I won previous complaints because they keep trying to bill for services that hadn't yet been rendered.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (GA)

I've written XXXX  and Experian about the following collection accounts in XX/XX/2020 ( XXXX {$2500.00} and XXXX XXXX {$1200.00} ) that's on my credit report and to no avail a response has not been received and it has been well over 30 days. These accounts should be DELETED from my credit reports immediately! It is the sole responsibility of the credit bureau to make sure all information is verified. According to the FCRA you are required to go beyond the original creditor to verify all information reporting because you are getting paid to do so. you are required to obtain original copy of the application or contract when this account was open, or applied for. I need the proof. How was this verified? Congress states : that the Credit Report Agency shall within a responsible period of time reinvestigate and promptly delete inaccurate unverifiable info. This needs to be deleted immediately. How can these accounts be placed on credit report without a proper investigation going the full length of making sure the information is verified thoroughly thorough the original said creditors.
Consumer complaint received 2022-12-03
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Office of attorney General- acct # XXXX 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 furnis 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 informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (VA)

Me and my granddaughter share an account at Navy Federal, I had to be out on the account because she was a minor at the time and they needed a joint signer so I signed up with her. We have this account opened for quite sometime, then one day I noticed the account was drained and I got a letter from Navy Fed telling me they will start taking money out of my other accounts if this is not paid. I spoke with them and found out an {$8000.00} check was deposited but we did not do this deposit. I disputed this with them and they said that I am held responsible. I also disputed the individual charges with Navy Federal and they keep claiming they never received my dispute documents even though I sent them twice. They also claim that they have video of the person doing this but they will not show me the video, or go after the person who did this. I have tried to subpoena the bank via the law enforcement officer I filed a police report with and even the officer will not help. We are a victim of fraud, we did not do these charges or deposit a bad check into the account. I need this resolved and my money given back.
Consumer complaint received 2024-09-27
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

A purchase made on my Best Buy Visa card on XX/XX/XXXX totaling {$1800.00} should have had a 0 % 18 month interest promotion applied to it based on my selection of the promotion at point of sale. 

This evidently did not happen, and I was charged interest since the date of purchase. Citi does not currently have statements available to me dating back to the date of purchase, but undue interest charges since XXXX of XXXX total {$350.00}, and I will be requesting and following up with the full amount. 

I noticed this issue when changing payment methods today. I immediately called in to customer support today, XX/XX/XXXX, informing them of the mistake and asking what could be done to correct it. I was provided contradicting information that issues needed to be brought to their attention within either 60 or 90 days of purchase to have the promotion applied, and that there was absolutely nothing that could be done at this point. I escalated the issue through three layers of management, and the only solution offered was that if I paid off the outstanding amount today, I could be given a courtesy adjustment of the last month 's interest charges ( ~ {$16.00} ). 

While I understand that this information was available on statements via the web portal, I can not believe that there is nothing a major credit card company can do to correct their own systems issue after the fact. I was never emailed a full statement, and actually had to call citi tech support to even access my account, as they had systems issues with an old best buy credit card that was closed due to inactivity conflicting with my login information for this account. I currently have no way of even confirming that the promotion wasn't applied and then removed, as Citi does not provide access to statements dating back to the time of purchase.
Consumer complaint received 2023-06-29
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

I dispute the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading specifically XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX and any non account holding hard inquiries. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on I want the incorrect information on my credit file be corrected immediately, and my rights not to be violated further.
Consumer complaint received 2022-05-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK (TX)

Candence Bank is what I like to call the XXXX  of the earth! 

This is a finical institution that has a long record of mistreatment of its customers. 

I am now always on constant gaurd from their never ending disorganized institution. 

This is nothing more than another Egregious mistake on top of a number of mistakes by CadenceBank.

I am Im constant communication concerning my home loan with CadenceBank. I will call and ask for them to add notes to my file or ask questions about necessary information needed to be successful with complete and staying current with my home loan. I will contact CadenceBank and make them aware for any new updates and the next day or two days later someone will call and harass me for their own enjoyment. I will ask have you reviewed the notes and they will reply NO.

CadenceBank disregarded my Home Owners Insurance payment and the policy lapse. They are now threatening me for the uncovered fees though I reached out to them and the insurance company on several different occasions. I was notified by a CadenceBank customer service ee in the insurance department that she would request that I wouldnt have to be liable for those fees seeing that CadenceBank never paid the requested amount from XXXX XXXX XXXX. Ive asked for my payments to be broken into bi monthly request denied. Ive asked to remove the escrow account because of how the Bank grossly handled my insurance. The request was denied. This is a Bank that would love to see my family and I lose our home. They have the worst customer service and staff. 

Today I was called by XXXX in the Insurance department asking for documentation about the attachment I sent over XX/XX/2022. This Bank has been such a horrible lender and Im physically sick because of their carelessness.
Consumer complaint received 2022-08-19
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: SYNCHRONY FINANCIAL (PA)

The credit reporting agency, XXXX, will not properly and independently investigate my factual disputes. Without providing me with any proof, XXXX returns my disputes as updated and verified, even though information is inaccurate, incomplete, or missing. 

XXXX continues to ignore my legal requests for investigations into inaccurate reporting of the following accounts. 

1. XXXX XXXX XXXX XXXX XXXX XXXX : Remove this account, for inaccuracy because you are reporting a balance when there is no balance. The account is paid. Previous reports show a zero balance. You can not add a balance on a paid and closed account. I demand that this account be deleted immediately. 

2. Syncb/Walmart XXXX XXXX XXXX : Delete for inaccuracy because you can not report an account for me with no payment history as accurate. 

3. XXXX XXXX XXXX XXXX XXXX  : Delete this account for inaccuracy, because you can not report an account for me with no payment history. 

4. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : Delete for inaccuracy, because actual payment amount is missing.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (WA)

Bank of the West ran a promotion stating they would credit {$250.00} to my account if I had 3 consecutive months with direct deposits totaling {$1000.00} or more for each month. The terms stated only that they needed to be direct deposits from my employer, not that they needed to be ACHs. 

I had deposits totaling over {$1000.00} from my employer for each month of XXXX, XXXX and XXXX. For some of my payments, they paid me through my Bank of the West debit card, which are still direct deposits from my employer. The amounts for those payroll direct deposit payments were {$380.00}, {$430.00} and {$630.00} and I have corresponding payment history from my employer. 

I met the qualifications, however they have refused to payout the bonus. I appreciate any help you can provide. 

Thank you