davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (WI)

The owner of the account was my son. XXXX XXXX XXXX. He died XX/XX/2022. 
I am his father. My name is XXXX XXXX XXXX. I am in charge of his small estate. I have sent the required documents to the PNC bank to close the account and forward any remaining funds to me. I sent an original Certificate of death, The Colorado affidavit noterized naming me, and a cover letter to them in XXXX of this year. They are not doing anything but running me around. 
I mailed the items, per their order to PNC Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Mail stop XXXX. 
I have called them weekly and now daily since XXXX. 
They are not doing anything, and I need this to get over. 
My number is XXXX. The bank will not let me talk to the department. I have to go through customer support and they are trying but nothing is happening. 
XXXX 's account number is XXXX XXXX XXXX. 
I am at wits end and need help. 
Thanks, XXXX
Consumer complaint received 2023-12-05
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. (CA)

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

XXXX XXXX : Account number : XXXX, Misleading. Report the right month for the reported month section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans
Consumer complaint received 2022-08-02
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. (PA)

XXXX XXXX XXXX, Account # XXXX was deleted from their records and send a AUD correction to Equifax to remove the account effective XX/XX/2022. Equifax SC # : XXXX. AUD Control # XXXX They are refusing to remove an invalidated and deleted collection account from my credit report. 

The company, '' XXXX XXXX XXXX '' no longer has authority to collect on this account.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/year> XXXX, XXXX and Trans union notified a breech of my ss # amongst many thousandths was exposed by a hacker group XXXX. Because of this I have had unusual happenings.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this account!!
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/2022 I received an email stating my account was below {$100.00} which is was very unusual. I called BOA to see why this happened and was told the state of Illinois Sanitary Department and forwarded me to claims because I was extremely confused. The gentleman from claims told me he had no idea what was going on so he put me on hold and another rep came on the phone. The new rep told me to contact the number because they have no idea and to open a new account but the conversation was cut short due to be disconnected. I called back and a new rep informed me that my account was frozen for {$4500.00} from the state which was even more concerning. She also told me that fraud wasn't suppose to make my account credit only. This was done without informing me or with permission to protect my account. I was told to contact legal in the morning because it was now after XXXX. I received an email XX/XX/XXXX stating my email and phone number have been removed from XXXX because my account is closed. I call Bank of America to speak with a manager but was informed by XXXX that mangers are only in the branch. I have been a customer for over a decade and never have heard of such a lie. I had to call back to get another rep who told me that my account wasn't closed but put on credit only to protect me. XXXX a supervisor in check fraud & specializing from Oklahoma got on the phone but unfortunately had not one clue on anything. She kept telling me the hold was for XXXX but they only had {$600.00}. I asked her to do the math with me and she attempted to claim it was due to other purchases and that Bank of America will not allow me to speak to legal or give me anymore information on my account. I have proof of the amount that was taken out that brought my account to zero but she kept saying they now didn't know the amount until finally she stated I don't know. She also informed me they have a right to close my account because its the banks. Her math wasn't correct because it was opposite of with the account documentation attached and she refused to give me the proper department to speak with. She told me I have to hire an attorney to find things out. I've been given contradicting information from every rep at Bank of America, I need the correct information. I have asked several time times why they are altering my account and was told for my protection now its because they can. Emails state the account is closed which it should not be but the reps are saying its not. I was also refused the proper department contact information for myself or an attorney to reach.
Consumer complaint received 2022-08-02
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. (FL)

After reviewing my report, I noticed that Trans Union is the only company which still has this inquire on my report even though I have notified and submitted my documents stating that the account is not mine.
Consumer complaint received 2022-08-04
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. (GA)

My personal information is inaccurately reported. Rather than fix the problem, TU sent me a letter accusing an unauthorized third party made the request. As if I'm not capable of advocating on my behalf. XXXX corrected the report ( thank you ). And XXXX never bothered to reply!
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Marine One Acceptance Corporation (SC)

On XX/XX/XXXX an Affidavit of Truth was sent to Marine One Acceptance Corporation stating facts pursuant to the Truth in Lending Act. I, natural person and original creditor, issued my social security card and entered a consumer credit transaction with Marine One Acceptance Corporation on XX/XX/XXXX. Pursuant to 15 USC 1605 ( a ) a finance charge shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction ''. A finance charge of {$7900.00} was credited. An illegal cash down payment of {$4200.00} was also taken which pursuant to 15 USC ( a ) should be included in the finance charge. Due to these facts and pursuant to 15 USC 1666, Marine One Acceptance Corporation mailed affiant statement dated XX/XX/XXXX containing billing error in the amount of XXXX XXXX XXXX and XXXX/XXXX ( {$830.00} ). All of this was stated in the attached Affidavit of Truth. 
Marine One Acceptance Corporation did not respond with a rebutted Affidavit, but responded with a copy of the Security Agreement and sticky note on XXXX XXXX. Pursuant to Morris v. National Cash Register Co., 44 S.W.2d 433 uncontested allegations in affidavit must be accepted as true ''.
Consumer complaint received 2022-08-04
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. (IL)

I summited a request to XXXX and Experian asking how they did obtain my bankruptcy, and if they could delete it from my credit report. in return they stated it was verified by the United States bankruptcy XXXX. I wrote the United States bankruptcy XXXX and asked how they report? I received a letter from the United States bankruptcy stating that they do not report any information to the credit bureaus.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My EDD maternity leave benefit account on the Bank of America pre paid card was hacked when I clicked on a scam text message by mistake. The amount of {$4700.00} was taken from my account on XX/XX/2022. I filed a claim on XXXX the morning I realized my money was gone. On XXXX EDD deposited {$2600.00} to the BoA card, I called the bank immediately to make that money transfer to my account but I was told I couldnt do anything since I needed a new card replacement and that it was already ordered. On XXXX the money was gone- AGAIN! Now total of more than {$7000.00} was lost and gone. I am getting no answers as how it happened twice. I am requesting a check to be sent to my mail address because someone has my information and will keep getting my money even with a new card replacement. I am desperate and my family and I rely on that money for mortgage, baby expenses and to pay bills. Please Help!
Consumer complaint received 2022-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stallings Financial Group, Inc. (FL)

I received a letter from Sallings Financial Group dated XX/XX/XXXX. I sent them a letter back on XX/XX/XXXX informing them this is not a valid debt. The letter was sent certified with return receipt. I then checked my credit from all XXXX agencies. They showed this invalid debt on my credit report. I showed proof that the Sallings Financial never followed up in the 30 day window to show proof of debt. All 3 credit reporting agencies removed the invalid debt. I again sent Stalling Financial Group a letter explaining this and informed them of their illegal activities. I then received a letter dated XX/XX/XXXX. They are trying to refresh the date of them sending me the debt request. I have sent them a final letter to cease and desist. 

They are not following the law. I do not own this debt. I live in Florida and the debt is on a house in Georgia, that I do not own.
Consumer complaint received 2022-08-04
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 — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC (MI)

Last year I went through a time of fore bearance with my mortgage with Quicken Loans/Rocket Mortgage. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that Rocket Mortgage/Quicken Loans reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with Rocket for three years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for three years without me having any options. There have been several calls from representatives of Rocket/Quicken to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.
Consumer complaint received 2022-08-04
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)

In accordance with the Fair Credit Reporting act 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 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

Chime has suspended my account due to large amount of deposit which was sent over for my taxes when notified me of suspension i sent over numerous of documents for days waiting on a response including my tax XXXX and picture of the date that the irs notified me that my taxes will be in my bank a picture of me holding my id, picture of id front and back proof of address and no one has yet respond or contact me. Which they notified me within 2-4 days i would be! I have had the ticket escalated through numerous supervisors as they stated i should be have been contacts and they put it at high priority. I have repeatedly emailed the support and review team and keep getting automated messages i just want my account unsuspended to take my business somewhere else because there review team has no sense of urgency while holding peoples money that they depend everyday on!
Consumer complaint received 2022-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

Chase home finance is the current owner and investor of my mortgage loan. I fell behind on my mortgage payments during a long divorce in XXXX. During this time, the judge informed us that my ex would have all the rights to live in the house and was forced to find housing elsewhere, temporarily. After applying formodification in XXXX one was offered and sent to the subject property without my knowledge and never signed. Later, I found out in court that the modification was denied because it was not signed and returned in time. 

After tis unfortunate turn of events, my income had went up and continued to apply for Loan Modification with Chase. Since this time I have been unable to even get reviewed for loss mitigation options and have been told on numorous occasions that the only option is sale of my home or deed-in-lieu. I have proven without a doubt that my income can handle a new payment, even if it is significantly higher than previous, but have been unable to even apply.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (AE)

To start, I have had at least one mortgage with XXXX for over 20 years. In that time I have made timely and accurate payments every month and on the same day. About the time SunTrust merged with Truist ( XX/XX/2022 ), I started to receive unexplainable charges/balances on my online account. It showed an amount due of one amount and a negative balance of a larger amount. I had no idea what these charges and balances were but I tried to pay the larger negative balance and received a message that I could only pay the lower amount. I contacted Truist about this and they went into research it. They replied with a response I didn't understand but basically it was an issue on their side. I never learned what the issue was or what happened to the amount that I paid to try to bring the account into balance. 

Then, I discovered that they were filing negative reports to the credit bureaus. I immediately contacted them about this. Again they went into research mode and never contacted me back. It was only after I sent a letter to the CEO, did I get a response back. They said that they had not posted negative information to the credit bureaus. Yet, I made copies of the report and sent in to them. Again, they went into research mode and never contacted me back until I again sent a note to the CEO. Their customer support person claimed that the negative reports were accurate and that I had several late payments. However, I went to my statements over the last several months and not one showed an unpaid balance or late payment due. I am very confused and am getting no support from Truist. 

Per my research, it appears that Truist had changed the account number on the account when they merged. If they informed me of this, I was not aware despite having multiple ways to contact me. And still, the payments were made and accepted by Truist despite the account number that was being addressed. 

Again, I have been a mortgage and account holder with SunTrust for over 20 years. It appears they value one side of that relationship but did not hesitate to damage my credit rather than find a way to contact me and explain changes that might impact my accounts. Again, I still do not know when or if there is balance that needs to be addressed as Truist has given me no explanation as to what caused them to report me to the credit bureaus.
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting act 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 2022-08-04
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital OneXXXX action as a settler of disputes is always unfounded, discriminatory and arbitrary. 
I have a dispute with XXXX XXXX for an amount of {$32.00}. Although XXXX is not raising any issues, Capital One is intentionally and maliciously raising an issue that XXXX XXXX also credited my account. All it takes for Capital One to make such a ridiculous claim is look at my account, but refused to do so and just keep on adding back the disputed amount. 
Heres what transpired : XX/XX/XXXX Placed XXXX items order # XXXX with XXXX totaling {$78.00}. ( Receipt attached ) XX/XX/XXXX Two items were shipped charged my account for {$45.00}. 
XX/XX/XXXX Last item was shipped charged my account for {$32.00}. 
XX/XX/XXXX XXXX all items. A credit receipt ( attached ) was issued for the total amount of {$78.00}. 
XX/XX/XXXX Filed a dispute for {$32.00} and {$45.00}, total of {$78.00}. Received a total credit of {$78.00}. 
XX/XX/XXXX Capital One charged the {$32.00} back to my account maliciously claiming that XXXX already credited my account for said amount. 
XX/XX/XXXX Deducted {$32.00} after I filed another dispute. 
XX/XX/XXXX Added back XXXX. 
Capital One had been doing this arbitrary tactic even in the past. They are engaging in Unfair Trade Practices Act. Unless, I closed my account they will never stop the harassment of adding the disputed amount in my account. 
The {$32.00} that was charged back need to be credited to my account again as XXXX never issued that credit to my account as Capital One maliciously claimed.