davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

I was at airport and issued this ticket online at XXXX XXXX XXXX  and the flight was scheduled for XXXX XXXX XXXX The app and XXXX website check-in kept hanging and crashing when i was trying to check-in and upload the required documents and the moment it hit XXXX XXXX, it said i need to go to the counter to check in. The employee at the counter refused to assist, though the flight was delayed by XXXX minutes and I could have made it if she issued boarding pass. I was asked to go to concierge, which had big queue and was moving slow. By the time, my number came, it was XXXXXXXX XXXX XXXX This was really bad experience, as I was going through all these things as single parent with minor child. It was emergency ticket booking for me, and XXXX shouldn't let me buy ticket if they can not allow me to get boarding pass issued. Concierge refused to provide me refund because it was basic fare. I really needed to travel but felt helpless since boarding pass was not issued by XXXX XXXX! 
After struggling to get refund from XXXX XXXX, I raised dispute with American express. They simply refused as the airline records showed as " no show ''! How am I supposed to show up at gate if i am not issued a boarding pass by their system or employee!! 
Reference number from XXXX complaint # XXXX, # XXXX Reference of AMEX Dispute : XXXX XXXX
Consumer complaint received 2023-02-01
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please correct the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (CA)

according to 15 USC 1681 i have the right to privacy i did not give written permission for these creditors to furnish these accounts. 

XXXX XXXX  account no. XXXX ...... 

XXXX XXXX XXXX account no. XXXX ...... 

XXXX account no. XXXX ..... 

XXXX account no. XXXX ...... 

XXXX  account no. XXXX ..... 

Therefore all these accounts need to be deleted from my credit reports by law immediately
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint is in regards to complaint number XXXX. In its response to my complaint, Bank of America decided to lie and conceive a record that does not exist part of which, is diametrically opposed to the actual record. Bank of America lied to me. Then the bank lied to the CFPB after I complained. With the exception of the facts that I presented originally, each and every new fact mentioned by Bank of America is either totally false or does not have any applicability at all to any of the issues. I have documentation that unequivocally proves the statements are false. 

I will however give Bank of America the benefit of the doubt and allow it to correct its original response by providing me with a response containing researched and legitimate facts. If Bank of America fails to provide a corrected and fair response to my original complaint without the inclusion of false statements, and provide the requested ( and frankly very reasonable and conservative ) compensation, I will have no choice but to file a lawsuit in the XXXX XXXX of California.
Consumer complaint received 2021-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On several occasions I have disputed the Chapter XXXX and Chapter XXXX on my credit report. I submitted another letter dated XX/XX/XXXX requesting TransUnion to verify to whom they spoke with and date and time to verify this entry on my report. They sent to responses stating that it came back Verified one dated for XX/XX/XXXX and the other dated XX/XX/XXXX. 
However I have a memo from the United States Bankruptcy Court of District of Maryland, Office of the Clerk dated XX/XX/XXXX which states in the first paragraph that the US Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files. TransUnion still has not adhered to the rules and procedures of the FCRA. T
Consumer complaint received 2022-08-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (NJ)

MARCUS BANK will not let me speak to anyone to close my CD.

I call a representative and when they learn my issue they put me on hold until I am disconnected in 20 minutes or more. 

I am not able to accomplish the task online as the online system is setup to take you in a loop. If i go to CLOSE MY CD on the Marcus Bank web site it only gives the option to close the CD at the maturity date. 

Copied from their website below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Review and confirm update CD maturity updateClosing your CD Estimated balance at maturity {$50000.00} Transfer funds toXXXX  XXXX XXXX XXXX You can make updates any time until XXXX XXXX ET XX/XX/2023 ( the evening before your maturity date ). After this time, no more changes will be allowed. 

( i ) I authorize Goldman Sachs Bank USA to debit my account through an Electronic Fund Transfer for the amount shown above ; ( ii ) I verify I am an authorized signer on the account and agree that this transfer does not violate US laws; and ( iii ) I authorize Goldman Sachs Bank USA to initiate the transaction beginning on the XX/XX/2023 above for the amount indicated, pending no changes to my interest disbursement plan. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This option above is the only option for closing my CD. There is no option to close my CD before maturity date. I have called 10 times and get hung up on. I have called other departments and representatives have said they are going to stay on the line with me until I get to the right department and get hung up on again. 

This is extremely scary. This seems like this is a FRAUDULENT WEBSITE. 
https : //www.marcus.comXXXX  Please help.
Consumer complaint received 2021-05-19
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: Experian Information Solutions Inc. (OH)

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-30
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. (KY)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX Kentucky XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted Experian numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to Experian Special Services on XX/XX/2023, they have promised me to fix the errors on the credit profile, yet they did not correct all of the information. 

I called Experian today and spoke to XXXX XXXX in XXXX. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. My call was transferred to XXXX XXXX, Special Services, I have to go through the similar situation, I have explained to XXXX XXXX about the issues on my credit profile, after several repetitions, I requested to speak to a Manager/Supervisor, as always I was told there is no one available. 

I am waiting for a Manager/Supervisor to call me back to understand the issues I have been facing for over 5 years now and correct my credit profile with accurate information.
Consumer complaint received 2021-05-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX and TransUnion are reporting 15 derogatory accounts and 14 inquiries on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to XXXX, XXXX and TransUnion since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2022-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

Called PNC Bank in XX/XX/XXXX to have PMI Automatic cancellation per following conditions having been met. When loan principal balance reaches 78 % of the original value of property and are current on your loan payments, with good payment history. This is the 2nd mortgage I have had with PNC Bank since XXXX, 1st mortgage was a 15 year loan paid off in full in 10 years. Current mortgage is a 30 year loan, always paid a month ahead of due date with extra principal added to monthly due amount to have said mortgage paid off ahead of said loan term, just like I have done in the past with PNC Bank. This is why I choose PNC Bank to service my current mortgage needs, because I had satisfactory business relations with them in the past. Under the ( HOPA ) Act of XXXX I believe I have exceeded all eligibility requirements for Automatic Cancellation of PMT.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Have attempted to dispute by mail asking them to remove four inaccurate addresses one which i never resided with copies of my State issued identification and recent utility bill reflecting my actual address, they did not. I placed a call to them on XX/XX/2022 and they still refused. Addresses are either incorrect or they have the wrong apartment number listed, or no apartment number listed Correct and ONLY address where US Mail is deliverable to me : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Wrong inaccurate addresses that need removed XXXX XXXX XXXX XXXX XXXX New Mexico XXXX NEVER LIVED IN NEW MEXICO XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NEVER LIVED HERE XXXX XXXX XXXXXXXX XXXX XXXX, Ohio XXXX -INACCURATE MISSING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ohio XXXX -- WRONG XXXX XXXX should be XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX -- NO XXXX XXXX  LISTED I demand these inaccuracies be deleted from my credit file as they are false and inaccurate
Consumer complaint received 2021-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX .... balance {$8900.00} XXXX XXXX XXXX .... balance {$1200.00} XXXX  XXXX .... balance {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX .... balance {$12000.00} XXXX XXXX XXXX XXXX  XXXX .... balance {$0.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have had a mortgage with Bank of America since XXXX. The payment was linked to my Bank of America checking account. I refinanced the mortgage in early XXXX. The payment ( approx. {$7600.00} ) was again linked to my Bank of America checking account. In XX/XX/XXXX, the escrow payment was approximately {$100.00} more than the estimated amount. As a result, the next monthly payment ( approx. {$7700.00} ) was slightly higher than the monthly mortgage payment set at the time of refinance ( approx. {$7600.00} ). Instead of informing me of the issue, Bank of America stopped applying the automatic monthly payments to the mortgage resulting in late fees and the mortgage being reported as delinquent. Only when it turned 30 day delinquent, the bank decided to send me a letter. Immediately I called the bank and tried to address the issue. Realizing what had happened, they did reverse part of the late fees and applied the funds sitting in a suspense account to the mortgage to bring it current. For that to happen, I had to make a payment of approx. {$560.00}. They also mentioned that they will clear the issue with the credit reporting agencies. A few days later, I disputed the delinquent account after I saw a significant drop in my credit score ( one was more than XXXX points ). One of the agencies, XXXX, reported that there would be no change as Bank of America stands by the information they passed to XXXX. In this day and age, it's shocking that a Bank with whom I have been banking since XXXX would not bother to call/text/email its customer as the issue arose but would wait for the account to become delinquent to send a letter.
Consumer complaint received 2021-05-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AL)

I am XXXX and have had Health issues that are out of my control. And have had a really tough time paying my bills due to the economy and the prices to live going up. Ive called and told them. Begged for them to work with me, this vehicle is the only vehicle I have. I have drs visits and stuff I have to be able to get to. They repoed the vehicle last night. Didnt knock on the door or attempt to contact me. After calling they want the full payoff. Not whats past due. They refuse to work with me and are very hateful. Ive had severe anxiety over the whole situation for days and I cant take nothing else.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: College Foundation, Inc. (NC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

Equifax is reporting 4 derogatory accounts on my credit report with no creditor lkistged. I am unable to send out validation request because i am unaware who is reporting these accounts or if these accounts belong to me. I have sent 2 disputes letters to equifax since XXXX asking them to investigate these accounts and i have yet to receive a written response or see any updates on my credit report. 

Equifax unverifiable accounts- XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2020-06-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I dealt with 1 loan officer, he put a note in computer for no one else to deal with me, no other branches of the same bank. 
He said I would be able to consolidate my debt into my mortgage, and refinance because with personal loan payment it was to high. He disappeared and no longer was at the bank, they said he moved to another location. The employees at that bank refused to help me. I did not have a phone or car and then covid happened and was told to shelter in place at home. Now they are trying to take my home.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC. (FL)

Ally Lending is not honoring the COVID 19 relief HCS Loans had by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, Ally Lending required the account current to become current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID 19 RELIEF
Consumer complaint received 2022-04-22
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. (MD)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX in the amount of {$7900.00} 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.