davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Please make Truist - Banking ; located in Florida. 

Please refund all monies incurred incorrectly as caused by a Merchant that did not deliver products and goods and still charged me incorrectly. 

I have processed a Claim with Truist please refer to : XXXX. 

This bank continually charges me overdraft fees even though I have contacted the merchant to cancel all fees and I am incorrectly charged over 7 times, of which I am correctly owed- If The Merchant had correctly refunded my fees I would not have incurred this. 

I am planing to pursue an action for Theft by larceny in the appropriate jurisdiction if this is not resolved by the Bureau of Consumer Protections. I have tried to walk in at a Truist Bank, I have called over XXXX times, and spoke with numerous persons, I have stayed on the line for more than XXXX hours and nothing has been able to be resolved. 

The merchant incorrectly charged me,- which caused me to incur overdraft fees, The Merchant has refunded XXXX transaction and Truist continually attempts to charge me over draft fees- Even When I had available funds for use. 
Truist has not refunded me any fees and I have closed all my accounts with trust. 

PLEASE ADVISE TRUIST THIS IS THEIR LAST AND FINAL WARNING TO PROVIDE ALL THE FUNDS THAT ARE RIGHTFULLY OWED TO ME OR YOU WILL BE FACED IN CIRCUIT COURT FOR CIVIL LITIGATION. I HAVE PROVIDED ALL INFORMATION TO TRUIST AND ITS REPRESENTATIVES AND NO ACTION IS TAKEN.
Consumer complaint received 2023-01-13
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. (CA)

XXXX XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter.
Consumer complaint received 2023-01-13
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 an account without my written instructions.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

Someone hacked into my phone using an app called XXXX XXXX and transferred money out of my paycheck to a phone number in the picture below. I called Chime Support to notify that I didn't make those transactions so they filed a claim. The next morning I received an email from Chime that my claim was denied in an investigation. I was supposed to get paid the {$390.00} today but itwas stolen from my account last Fiday. Please help me get to the bottom of this.
Consumer complaint received 2023-01-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (TX)

I purchased a condo in XXXX of XXXX using a VA loan. By the end of XXXX, the tax appraisal office had still not divided the lot into each individual unit. When my mortgage company received the parcel from the tax office they proceeded to hold me liable for the entirety of the property taxes of the lot even though the parcel received still had the builder listed as the owner and not myself. I was aware that the condo was still listed under the builder and contacted the tax office months in advance. They assured me that once my lender received the parcel with the builder 's information listed as the owner, they would not attempt to collect any of the taxes from me. As the end of XXXX approached I noticed that my payment in XXXX of XXXX was raised from {$2100.00} to {$7200.00}. I contacted my lender and was told that this is what the tax office had alerted them to do. My lender stated that the tax office had my name listed as the owner for the entire lot. I submitted the tax statement to my lender that is available to the public because it lists the builder as the owner and not myself, but I was told that this would not be accepted as proper supporting documentation and that on the XXXX of XXXX I would be automatically billed for the {$7200.00}. I immediately contacted my loan officer that helped me close and he sent me to voicemail, texted me he was busy, and then never returned my phone calls. I was forced to contact my bank to place a stop payment in effect. I spoke to my lender 's customer service center several times and was told repeatedly that there was nothing that could be done and that the only thing that would change this was if the tax appraisal office contacted them directly. Because it was so close to the new year, the tax office had closed early. When they opened after the new year I went in person and was told that there was no supporting documentation that they could provide as the tax statement that I had already submitted to my lender should have been enough. I contacted my lender 's customer service center again and was finally able to speak to a supervisor who informed me that they had in fact made the initial mistake by holding me liable when the parcel they received from the tax office clearly had the builder as the owner. Because of the error that they made, I have been billed {$7200.00} for the month of XXXX and XXXX of XXXX, which I can not afford. I am furious that I spoke to several representatives that explained to me that I was wrong and that nothing could be done and that my loan officer failed to ever make contact with me. It took days of communicating with my lender before a representative finally admitted fault. Attached below is the tax statement that was received by my lender, which clearly shows XXXX Lots as the responsible party and not myself. This is a gross error in which the blame was redirected toward myself several times.
Consumer complaint received 2019-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I had a Citizens Bank Checking Account number XXXX. 
I was subject to Identify Theft where my Checking Debit card was stolen! I notified the local police authority and immediately notified Citizens. 
Because of the identity theft, no fault of mine own, Citizens arbitrarily and capriciously closed my checking account! 
I then notified the Corporate Offices of Citiizens who advised my account should not have been closed and to go into my local branch and reopen it! I have attempted this without success!
Consumer complaint received 2023-01-13
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: SANTANDER HOLDINGS USA, INC. (OH)

As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Santander Consumer USA regarding this unauthorized inquiry to my consumer repor that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Santander Consumer USA. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Santander Consumer USA sent off on XXXX stating insufficient information provided and or the dispute is substantially the same as a dispute previously which I have never reported anything in the past because I didnt have any knowledge to this to report. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
Consumer complaint received 2023-01-13
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: LEXISNEXIS (MN)

Wait a minute here. Lexisnexis you claim you had removed the bankruptcy from your files?? This is new to my eyes. In your response you were very quick to note that I had ( 48 ) complaint / disputes with your company In those 48 contacts that Ive had with you could you tell me which number that you indicated that the bankruptcy was removed? Please upload to CFPB. Also you never sent a updated credit report from your office again indicating that you had claimed to have had the bankruptcy removed Im just curious as to why not!. 

Secondly what was your reason for removing the account from your credit file?? Just curious you removed it but however XXXX XXXX and XXXX are very quick to say that they contact you when they receive a dispute! So you mean to tell me you remove it from your account but when they contact you. You tell them that the information is reporting as correctly? How is this possible Lexisnexis??? Review their reports thats exactly what these people are saying your company name is all over there report. Each and everyone of them. It is very clear that XXXX  and XXXX  and XXXX contact you to verify the public records. But you going to remove my public record from your report but still tell them its reporting as accurate Lexisnexis this is unlawfully and reckless credit reporting that you are doing on your behalf. I dont care what you sell or to whom you sell it too but you make sure youre reporting is accurate. I will need for you to remove the public record from XXXX XXXX and XXXX! You have the power to do this because if you are verifying it you can remove it. 10 business days Lexisnexis I will consider legal action. If you DO NOT On the 50 dispute/complaint. Will be a charm!

Since you claim the bankruptcy was removed from your report section 609a ( 2 ) I request for you to provide me that the XXXXXXXX XXXX  public record was in fact removed from the credit file of your company this will include a copy of the credit report the date that you removed why was removed. 
And 10 days you will need to contact the major 3 and have them remove the public records in its Entirety this false information I have supplied you everything that I have showing you that you are reporting and verifying false information. 
XXXX XXXX XXXX XXXX XXXX XXXX Thank you XXXX
Consumer complaint received 2023-01-13
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2020-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (GA)

See uploaded document dated XXXX ; CHASE BANK unlawfully foreclosed on Complainant and sold his house to XXXX XXXX for {$10.00}, XXXX dollars, using the Law Firm, XXXX and XXXX, XXXX. This Law Firm used 3 banks outside of the chain of title, XXXX XXXX being the bank that has the most recent security. It appears as though every reference to XXXX XXXX   has disappeared in the Deed and Record room of XXXX County Georgia. The private contract on file : XXXX  XXXX XXXX XXXX US XXXX at Department of Justice, DOJ, dated XXXX shows that XXXX XXXX  is in the correct chain of title, and a also shows a TRUE BILL and commercial lien on the property.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I am to believe that certain cc companies like citi and XXXX  XXXX XXXX are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.
Consumer complaint received 2023-01-13
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. (NY)

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (GA)

RECENTLY APPLIED FOR A DISCOVER CREDIT CARD & RECENTLY BEEN APPROVED FOR {$7500.00} LIMIT WHICH FOR SOME REASON WITH NO EXPLANATION OR ANYTHING MY ACCOUNT GOT CLOSED, WHICH IS TOTALLY UNFAIR & WANT THE SERVICE BACK
Consumer complaint received 2023-01-08
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. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Prior to XX/XX/2022 I religiously paid my credit card bill with the same debit card that has both my personal name and business name on it issued by XXXX. I use this card because the company I do contract work for issues payment via XXXX and the fees to transfer to any other account are astronomical. I NEVER HAD ANY PROBLEMS PAYING CAPITAL ONE WITH THIS METHOD BEFORE. 

XX/XX/2022 I tried to pay my credit card bill online and kept getting declined. I called capital one and the associate said that it was it decided due to method of payment and for me to contact XXXX and find out why. I had to pay the crazy transfer fees to move money to a different account just to pay capital one and I called XXXX to find out what was wrong. They didnt have an answer but issued me a new card to be sure it wasnt a problem with my card. 

XXXX payment was the same ordeal. I didnt want to have to pay the insane transfer fees again so I was told Id be contacted by IT department at capital one to resolve the matter but never was. I called daily as I was racking up late fees on my overdue payment. 

XXXX I called when it was due again and still couldnt make a payment online but also was locked out. They closed my account. Due to nonpayment. I spent XXXX hours on the phone and was transferred multiple times after numerous people in several departments couldnt determine why I couldnt make a payment even after they closed my account and I was just trying to pay the balance to resolve the account. 

Finally the last person I spoke with said it was because I couldnt use a business card to pay the account. Though my first and last name is the billing account, XXXX the sole owner of the business, Ive used this card for over a year to make payments on this account and why does it matter how its paid? I asked him where it says that in the terms I agreed to when accepting this credit card and he put me on hold for XXXX min while he looked for the policy. He came back and said he couldnt find it. But it didnt matter because they already closed my account and would be sending it to collections as closed and not paid. Although Ive been trying to pay it for months. 

So a new unreasonable policy that isnt published that I suddenly cant pay my bill with a debit card that Ive previously used because I also use it as a business debit card has resulted in a collections and closed account on my credit?
Consumer complaint received 2023-01-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

This happened on XX/XX/2023. I have been in contact with this person who goes by XXXX XXXX via email. They offered me a position at XXXX, XXXX XXXX for {$35.00} an XXXX. Office equipment was required, so they sent me a check for {$3900.00}. After receiving and cashing the check, the following day ( XX/XX/XXXX ), they told me to send them {$1000.00} through Zelle for the office equipment with the corporate logo. As it turns out, the actual person, XXXX XXXX, was impersonating XXXX XXXX. I have gotten in contact with XXXX since, and XXXX has done this to several people. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, so this seemed legit as she was in the employee archive. I have tried to dispute the charge with my bank, but they said theres nothing they can do. I have filled out the forms to Zelle and sent them to my bank ( XXXX XXXX XXXX XXXX XXXX XXXXo that theyre able to send them to Zelle XXXX XXXX, Zelle says they do not cover issues like this. I need that {$1000.00} back. I will do anything, legal action, whatever. This will put my account in the negatives as the check will bounce as its a fraudulent check. Zelle has no period of refunds and supposedly doesnt refund scams.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (PA)

I received a Goldman Sachs XXXX card that I never applied for. My mother also received a card at the same time she received my card. She has filed her own reports. 
On XX/XX/2022 {$2000.00} was digitally charged to a card the thief did not have in their possession. The physical card was mailed to my parents address. My mother was a victim of identity theft on that day. She was a victim of the XXXX breach. I do not know how the thief received my information. I did not apply for this card or give anyone else permission to do so. I went to my local police department in XXXX but they did not file a report. I contacted the company that issued the card. They said all charges were made in XXXX using the digital form of the card. The card is in my mother 's possession. Goldman Sachs stated that the account would be closed and I would not be responsible for the charges. I have filed an XXXX report with the FBI.
Consumer complaint received 2019-11-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (CT)

Good Morning .I have issue with my previous mortgage company.There is issue with the Escrow account balance.The escrow balance on XX/XX/2019 is {$2800.00} but should be $ XXXX.The difference is $ XXXX.I would like to ask them what happen to {$1600.00}. 
I would like also ask them, why they accept mortgage down payment of {$3400.00} [ 1.9 % ] instead an quote of {$6500.00} [ 3.5 % ] required by FHA??

Sincerely XXXX XXXX
Consumer complaint received 2019-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2019 A fraudulent Bankruptcy that I have no knowledge of was reported on my Experian Report. I have filed a police report in regards to this and the bureau is reporting the info as accurate.