davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-26
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. (RI)

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.

Below are the following accounts; According to the following laws, these accounts are inviolated of my rights.

15. U.S.C 1681 section 602 A. State 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.

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.

I request each account be reviewed for accuracy ( account started, issue date, payment dates, etc. If the information on the accounts is inaccurate, according to crediting reporting, and consumer law they must be removed.

Account Numbers and Names : -DEPT OF EDUCATION/XXXX  XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-05
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

My Mortgage payment amount changes each month. 
I never know how much I am suppose to pay. 
The company PennyMac XXXX CA XXXX I have tried to speak to someone about the constant changing of the mortgage amount I am to pay each month.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TN)

This account is invalid. SYNCB/PPC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

SYNCB/PPC XXXX
Consumer complaint received 2016-10-13
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Greetings, Greetings, XXXX XXXX XXXX XXXX is writing in regard to the XXXX six year long campaign for the modernization of telephone banking, and submission of these XXXX recommendations to XXXX XXXX. XXXX is addressing statements in this letter with the presentation of the following urgent information and report, Safe Call ( see below ) : Over XXXX people were killed in automobile accidents last year, and another XXXX were seriously injured! The automobile is the number one cause of harm and death to young people and students! 

The NHTSA states, " distracted driving is the number one cause of auto accidents and a deadly epidemic! '' XXXX has the cure for this deadly epidemic ... Eyes on the Road/Hands on the Wheel ... the science of road concentration! Once this message is realized by the driving public the next step is distraction prevention. 
There are XXXX mobile phone users and over a XXXX vehicles, so mobile phone use while driving is a worldwide constant and this fact must be reckoned with. 

Banks are the most called business in the world, and also the business most likely to have the dangerous request, " enter your ATM card number. '' This request is extremely hazardous to those on the road as it is encouraging people to text message or read ATM card information while driving! Furthermore this telephone banking practice is rendered obsolete with the realization that ATM cards are no longer effective as modern security as they can be lost, stolen, or even secretly copied, and there are modern and better securities protocols now available such as secret passwords and user names. 

Since several banks such as XXXX XXXX, XXXX XXXX XXXX, XXXX and Capital One have acknowledged the importance of the XXXX recommendations for voice command on their main telephone banking line by using them, XXXX now proposes that these same innovations be applied to all banking divisions, such as credit card, mortgage, brokerage, and loan departments. 

The XXXX Safe Call recommendations improve banking security, safety, proficiency, and customer satisfaction, and cost little to implement. There are no legitimate arguments to oppose these urgent telecommunication advancements and improvements Again : ATM CARDS UNSAFE FOR IDENTIFICATION AND SECURITY! 

ATM card identification requests encourage text messaging, and card reading while driving! 

ATM cards are obsolete and ineffective for security and should be replaced by modern identification security. 

Please read complete urgent XXXX research recommendations at : Safe Call http : //carsafe.org/safe-call.php Help Save Lives and Improve Banking Security! 
XXXX require fair market research compensation for use of this valuable research.
Consumer complaint received 2024-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank of America shutdown both my checking/saving accounts without my knowledge. On XX/XX/XXXX, I noticed that I couldnt access my online banking, or use the ATM, so I contacted BOA and the representative told me that my account was shutdown and they do not care about me. I asked about my money, the representative told me to shut my mouth and a check will be sent out to me whenever. As of XX/XX/XXXX, nobody contacted me and no resolution was provided.
Consumer complaint received 2016-09-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (IN)

Creditor masked -- misrepresented -- its phone number by using my home phone number and XXXX disconnected phone numbers formerly associated with me to dial my cell phone number. I would not have called my cell from my home phone and could not have done so since I was at the VA medical center when the call came in. There were no other people in my home who could have made the call, and my home phone 's " redial '' log does not show the call to my cell.
Consumer complaint received 2024-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NJ)

To the United States Senate and the United States House of Representatives and the Board of Governors of the Federal Reserve and the Comptroller of the Currency and SEC, My experience with Wells Fargo Bank is atrocious! 

They demand that I have a mobile phone when I don't have one or otherwise I can not gain online access to my checking account. 

I am a XXXX XXXX of XXXX  XXXX  age and with XXXX XXXX XXXX and so online access to my checking account is vitally important! I can not just pop over to the XXXX XXXX where its senior premier V-P has to my beloved wife XXXX also a Wells Fargo Bank customer and me proven to be one rude dude, with all due respect! He does not help me as to the status of the SEVEN ( 7 ) overdraft fees totally an astoundingly usurious {$240.00}!!!!!!!!!!!!!!! 

My beloved wife XXXX and I live on Social Security so {$240.00} is a very bid deal indeed! 

And now the insult added to insult and disrespect : An email to me from Wells Fargo Bank on setting on a mobile phone on-line banking situation! 

Weeks go by and still Wells Fargo Bank is not removing the {$240.00}! STILL! 

So it is now this : WITHOUT THE {$240.00}, less XXXX, less food! Such a heartless bank!
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016, around XXXX eastern time, a {$500.00} unauthorized withdrawal in my debit card was taken. Upon checking my balance, i called my bank & was transfer to the dispute department to file a case. After filing the report over by the phone, XXXX the dispute department, instructed me to file a police report. Filed the police report on the same day forward confirmation back to XXXX. When i ask for my money to be credited ASAP, i was transfer to different people, nobody was able to help me even though i told them that the money was for my rent, rent that is due and might be evicted if not paid within 3 days. I was told repeatedly that they ca n't do anything for me. I was really frustrated and hopeless. I was a loyal customer with this bank and they would n't do anything to help me. I feel something wrong was done to me.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (GA)

I contacted Equifax after XXXX car dealerships were unable to view my credit score. They stated that it shows as zero. I requested to have the freeze/fraud alert removed and was assured that this would correct the problem on or about XXXX/XXXX/XXXX. The dealer XXXX XXXX at XXXX XXXX XXXX ( XXXX ) XXXX checked again and it still showed zero. I called Equifax again and was advised to fax in XXXX forms of to the dispute department at XXXX which I did on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. I was advised to allow another 72 hours which I did. XXXX XXXX Sales Manager at the dealership again used dealer track on XXXX/XXXX/XXXX and the score still showed as zero. I waited until XXXX/XXXX/XXXX to call Equifax again. I was hung up on 3 times via their IVR system on XXXX. I finally tried XXXX and asked for a supervisor I got transferred to XXXX @ XXXX on XXXX/XXXX/XXXX he assured me that the XXXX XXXX on my address was the reason my score was not showing up. I advised I have no XXXX XXXX in my address he stated that he removed it. XXXX XXXX tried to run my credit again on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and the score still shows zero. She stated she that she can see my history but no score. When I first started back in XXXX XXXX with trying to purchase a car my score was XXXX now it is XXXX for Equifax. I also noticed that my mortgage company does not even show on my transunion nor my experian reports. The freeze was on my account for about 8 years and due to all the wrong or lack there of reporting I have been denied credit so many times and had no clue as to why. No one at Equifax ever told me that my score would appear as zero for anything if I added the freeze. I need to have my score to show up immediately so that I can continue with my purchases and stop being denied credit due to the creditors only basing my score on XXXX and XXXX which has the totally wrong and lacking positive information on my behalf. I am constantly getting the run around and very poor customer service. I was advised by XXXX to tell XXXX to check with the business side of Equifax and she stated she has had no other issues with anyone but me. Please make them fix this it is very unfair that I have been dealing with this for a month and a half and still have not got any results. XXXX XXXX stated I could use her as a contact of more information is needed from her. Her address is XXXX XXXX, Ga XXXX email is XXXXXXXXXXXX phone number is XXXX and she is the sales manager.
Consumer complaint received 2017-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NY)

i have a credit card with chase i never been late with payment i always recieve bills in the mail and signed up to get alerts from credit card company i sent in payment by mail as usual even though i did not recieve my last three stastements in the mail or anty alerts as requested evidently payment was not recieved and the XXXX XXXX payment that cleared satisfiedthe amount owed for both month i am now first attempting to refinance my home and first finding out that they did not recieveXX/XX/XXXX payment and put late payment on my credit card very upset that they stop sending me bills in the mail alerts that i requested were not recieved and payment that was made did not clear i have account with them for many years 10 to 15 never had late payment feel i was harmed incorrectly
Consumer complaint received 2017-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AZ)

My car payment of {$400.00} is paid on time every month with an additional {$100.00} bi weekly I have set up independently with my bill pay from my bank account also. Each month I receive a statement from Td Auto Finance stating I have paid a total of {$500.00} and has been applied to my account. There is no break down of what was applied to interest or principal. I called to verify if my additional {$200.00} payment was applied solely to the principal. I was advised it was applied the next month 's payment between interest and Principal. I was then transferred to have the miss applied payments paid to the principal only. I was advised if I keep making over payments they will be applied to future monthly payments and not the principal. There is a total lack of transparency of payments.
Consumer complaint received 2016-05-06
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (KY)

Was sued by a debt collector on behalf of Chase Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of chase record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with chase and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.
Consumer complaint received 2024-08-27
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2018-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

On XX/XX/XXXX I called in to Citi bank credit card customer service. I wanted to inquire about doing a credit line increase on my credit card. I ask specifically if I wanted to do this first if there was a hard inquire or soft. I was told it would be a soft inquire. 2nd I asked if this is something that I need to call in to have done or can I do online. I was told on line or calling in. I choose to go online and it told me that there would be no hard inquire pulled I went ahead and input my information and then I was told on the next screen that I would be notified of the decision. I later that day received an email saying it was approved. Now today XX/XX/XXXX I am getting alert stating that my XXXX  credit report was hit with a hard inquire from CB. I called to asked about this and was passed from person to person and then told that the inquire must have been a mistake and it would be stuck on my report.
Consumer complaint received 2017-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (FL)

XXXX XXXX Thursday, XX/XX/XXXX I called TD bank they told me I have to come in to set up online banking. I arrived shortly after I arrived @ TD bank XXXX XXXX supervisor Im formed me of 3 open accounts that I had open recently I called TD bank they told me to come to the office to sign a document that was n't known to me stating that they get my funds I was lied to by XXXX XXXX informed me nothing instead told me I was signing for the 3 accounts I my signature was not authentic because I was n't aware of the fraud That was being played on me I made 3 deposits in 3 accounts all totaling over ten thousand dollars and the say that there was no deposits ever made a lie XXXX said that they may close my account due to an old account that I owe {$250.00} because of a charge off account # XXXX was closed on XX/XX/2015 that 's why they had to closed my accounts which I never had access to. Other than atm deposits she called a number which is XXXX I called the same number it said that was no account which I was lied to about a charge off for {$250.00} she got caught in a lie and then called the police stating she did because I did n't have a shirt on which cameras prove I did have a shirt on police come and threatened me that the owner said if I comeback to lock me up for trespassing. When they wanted me to make a deposit in that branch to get online access to my account this was a scam from day one I feel that my account and personal information has been compromise by TD bank ceo/staff I have a lot of identity theft being used in my name I 'm reporting fraud and identity theft I was forced to sign papers that breach of contract please help I 've tried countless times to resolve this matter please help me resolve this matter city of XXXX police threatened me XXXX and partner.
Consumer complaint received 2024-08-27
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)

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 account number XXXX XXXX  XXXX account number XXXX account number and XXXXXXXX XXXX XXXX, account number XXXX XXXX XXXX, account number 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. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719.I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS ud PURSUANT TO 18 USC 8 , L OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO -15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814.
Consumer complaint received 2017-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Payment made in full but 2 hours past deadline ( XX/XX/XXXX @ XXXX ), was charged {$100.00} interest fee. Was upset that they would n't remove the charge so closed account after paying next bill on time on XX/XX/XXXX. Trying to pay remaining balance this month, was charged an additional interest charge of {$77.00}. Company is  claiming in customer chat that they charge interest for 2 months after a late payment even though I was a customer for around 10 years and this has never been the case. I believe they are just trying to stick me with a fraudulent fee because I am ending my customer relationship with them.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX I was unable to access my American Express Serve account. When I attempted logged in to app, I had message with XXXX number to call becauae account was frozen. I called answered all security validation questions and was transfered again. Repeated process and was told my account was permenantly froze and I wouldnt receive ANY OF MY {$3000.00} THAT WAS MY MONEY ALL LEGITIMATE!!!!!! They have never sent single email or phone call! No explanation besides user agreement 15d ... .. Which is vague piece of trash basically saying They can CRIPPLE your family and steal your hard earned money for any reason they want! its been a month and no word! I was told by one of the multiple " supervisors '' I spoke with that I would hear from them after 10 day investigation! I was told all MY MONEY would be returned to funding source!!!!! What about my cash reloads from all around Texas???? Hpw Will I be refunded! This is an outrage and I 've been relentlessly seeking justice and exposing this " business ''! I 've found multiple othet victims of American Express Serve and am in contact with them. I have XXXX small children and this has caused more p4problems than you can imagine! My money was stolen and I need help please!
Consumer complaint received 2018-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (MD)

I was shocked when I reviewed my credit report and found a late payment on the dates below : XX/XX/2018 a 30 day late was recorded I am not sure how this happened, I believe that I had made my payments to you when I received my statements. I also believe that my Auto Payment is or should have been set up on auto-pay. My only thought is that my monthly statement did not get to me.