davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

There is one bank name BB & T returned my deposit of {$650.00} which I received from Social Security disability by Automaticly deposit on this XX/XX/2021. No bank returned there customer deposit to creditor who deposit money in there customer account but this fraud BB & T bank returned my {$650.00} automatically Social Security deposit back in there account and closed my BB & T account. 

This was happened because BB & T refund me there overdraft fees or {$32.00} 3 times back in my account. BB & T bank is really poor bank who can't give back {$32.00} overdraft fees back in there customer account and when they give back this fees in there customer account than they closed there customer account themselves because of this because if BB & T give this fees back in there customer account than BB & T bank goes bankrupt. 

From so many years many banks waives many times {$32.00} fees from my account but never closed my account but this BB & T bank closed my account because of this reason and returned my {$650.00} deposit back to Social Security Administration.
Consumer complaint received 2020-06-14
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: Sequium Asset Solutions, LLC (OK)

A company called Sequium had sent a collection agency notice to XXXX XXXX downgraded my score by many points 17 ( points pus ) There was an option where I could dispute the collection notice. 
Before I opted to dispute the credit reporting. I researched the source of the filing It appears that the original creditor was XXXX XXXX XXXX on an account that was opened in XX/XX/2020 for apparent cable connections o A balance of over {$300.00} was due I called Sequium and they had no reference on my name tied to any account I called XXXX XXXX  and they had no reference on my name tied to any account I opted to file the dispute because I have no cable service. Opened an account with XXXX for the filing of the dispute On XX/XX/2020, I receive an e-mail by XXXX  stating that the re-investigation was completed, and that there were no changes to the purported facts. I was never called, mailed, or e-mailed to corroborate any facts. 

On XX/XX/2020, I called Sequium 3 times. 
o The first time ( a XXXX XXXX ) advised me ( after not being able to find my physical address ) that they were removing my phone number from collection calls because I did not owe them anything. 
FYI - I was never getting collection calls o The 2nd time after the phone call was failed I am again told that there my name is not tied to anything with XXXX or Sequium o The 3rd time I speak to a XXXX XXXX who told me to call back on Monday After the Sequium call, I call XXXX XXXX ( after researching that they are the XXXX division behind the original debt. 
o XXXX XXXX was very friendly and courteous to the extent they could be. 
o XXXX told me that they could not find any link to my name with my address ( or known addresses )
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My rights as a consumer are being violated I disputed inquiries that are reporting on my consumer report and transunions Response is that They will conduct an investigation and send me correspondence with an explanation of their results which never happened. 15 US C 1681 States that the banking system is dependent upon fair an accurate credit reporting. And what is happening here is not an example of that.

15 US C 1681B ( a ) ( 2 ) in accordance with the written instructions of the consumer to whom it relates. No written consent was given I am requesting that these inquiries be removed. 
I am disputing the following inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2021-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (KS)

Early this week ( XX/XX/2021 ) I received a debit card in the mail, unsolicited by Chase Bank. I have never had an account of any type through Chase Bank. Then on XX/XX/2021 I received a letter from Chase Bank ( dated XX/XX/2021 ) stating We received a check ( s ) previously deposited to your account that was returned to as as unpaid. In this letter there is a copy of the check ( front and back ). On XX/XX/2021 I presented in person to a local Chase Bank to close the account in question. I was notified while there the account was opened online and no identity verification was required. This is unrelated BUT on XX/XX/2021 I also received correspondence from XXXX XXXX  stating : Were writing to let you know weve reviewed your applications dated XX/XX/XXXX. We cant open XXXX XXXX  accounts for your right now because we werent able to verify your identity. This attempt to open an account through XXXX XXXX is also fraudulent. Clearly if CHASE Bank adhered to the USA Patriot Act like XXXX XXXX  I would not have had to spend 2 hours trying to close an account that I NEVER wanted. CHASE Bank should be held accountable for their business practice which clearly violates the USA Patriot Act.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (AR)

To my surprise, I saw a collection account showing up on my XXXX & Experian credit report. I wrote them the letters to validate and verify that the info is accurate. Till to the date, even requesting them to validate the accuracy of the account- I have not received any documentations that supports that account belongs to me. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, they had stated in writing that they verified that these items are being reported correctly? Who verified these accounts? They 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 they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX  this year Bank of America allowed a transaction to be completed whom they said was done by XXXX in the approx amount of {$120.00}. This was said to be a debit card purchase at XXXX using my card with the PIN number. This was not my charge and Bank of America refused to refund my money after two complaints filed with them denying the charges authenticity. They refused to refund my money and the FBI refused to press charges. This was not my charge and they had proof that I was at another location about the same time this charge was made but refused to refund my money.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (PA)

I'm pretty disappointed and feel like I am being taken advantage of. Not to mention, what will happen to my credit score. 
Events : A few months ago, I opened an account during an XXXX purchase. Early XX/XX/XXXX, I asked my community which company provides credit accounts during an XXXX purchase. I made numerous phone calls, however, couldn't get through without an account number. My reason for contacting your company was because I hadn't received anything yet, not a card or a statement. At this time, I was told the fee would be waived and my card and statement would be sent by mail. Nearly a month later, on Wed., XX/XX/2021, I called again because I still hadn't received anything. Again, I was told the fees would be waived and the card and statement ( s ) would be sent by mail. Mon., XX/XX/2021 I received a card.XX/XX/XXXX, I received a letter which statements. I noticed the balance was high. Then I noticed the statement had a different account number than the last 4 digits listed on the paper that my card was attached to. So, I called again Wed., XX/XX/2021. I was told the credits would appear on my next statement, which is fine. Then, I was asked if I wanted to make a payment. I asked how much the minimum was because I wanted to compare with the statement/bill... The amount on the bill did not match what the gentleman told me. It was {$100.00} more than what was on the bill/statement, of {$77.00}. 
I tried to send this message on 3 separate occasions and both times a prompt appeared saying, " We couldn't send your message. Please try again later. '' At this point, I feel I can't trustyour company and am nervous about making a payment over the phone. I still have no clue what is going on. Most importantly, I do not want my credit to be affected. I'd like my account number, my original balance with a fair minimum payment, fees waived, as promised, legitimatestatements from the beginning, and a valid card. Matter of fact, honestly, you could even keep the card.
Consumer complaint received 2015-07-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent a previous dispute regarding these accounts XXXX XXXX XXXX ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX I have added additional information with an updated police report that lists these accounts specifically with the account numbers and an ftc report that has been notarized in may of this year these accounts are fraudulent and need to be removed asap it has caused countinuous issues with my family because of the identity theft
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that they have on file that were used to verify the accounts I disputed. Being that 30 days have passed and they can not verify or validate these accounts, under Section 611 ( 5 ) ( A ) of FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-04-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been the victim of identity theft fraud for more than 4 years. I have filed numerous complaints with TRANSUNION to no avail. I have submitted fraud affidavits, consumer statements and proof of fraud, yet they continue to not accurately investigate my accounts, remove erroneous information and update my reports with the information provided. 

I contacted the office of the president for TRASNUNION and they would not allow to speak with anyone concerning my complaints. I have furnished TRANSUNION with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: ERC (FL)

Contacted ERC XXXX/XXXX/2017 to request information on Account # XXXX which is showing on my credit report. The account has a {$0.00} balance and is showing PAID to this collection action. This company has no record of this account. I am requesting this account and history information removed from my credit history, all XXXX agencies. Thank you.
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I applied for a loan modification in XXXX if 2015 for the second time in three years with Citizen 's Bank, aka CCO. To date I have not received it. They have been " reviewing '' my file since XXXX this year and claim that it is the last step in the process, with no explanation on why it is taking so long. This has been the most frustrating process, with their loss of documents, asking us to send again and again the same thing, and then forced to wait.
Consumer complaint received 2015-09-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

Dear Consumer Financial Protection Representative, My complaint number is # XXXX. Since filing our complaint to you, there has been more errors made on the Citizens One Auto Finance PAYMENT HISTORY SHEET FOR US, that Citizens sent to us.. They are still stating that certain payments have not been made. Now they have XX/XX/2015, and XXXX 2015 also as not paid by us. XX/XX/2015 payment they have as not paid we already told you about. I am attaching the BANK STATEMENT RECEIPTS FOR THESE PAYMENTS THAT WE MADE. ALONG WITH ALL THE PAYMENTS THEY SAY WE DID N'T PAY. AND BANK RECEIPTS AGAIN. They need to adjust principal balance, Remove late fees and clear false credit reporting that they have made. I am also including where they started to charge late fees when was not owned. Please look at sheets. Thanks .Our payments are {$480.00} on the XXXX of the month with a 10 day grace period following the XXXX of the month.
Consumer complaint received 2023-11-02
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

While checking my most recent credit report I noticed unauthorized and fraudulent charges and inquiries made by this company even after I advised them of identity theft and asked this account be closed and removed from my credit report. I advised that the store owner illegally forged my name without my permission on this contract. I did not authorize anyone nor give Written consent to anyone employed by this company to furnish any information on my credit report. This is a violation of the Credit Report Act 15 USC 1681 ( b ) c which constitutes as fraudulent activity and is also a serious breach of my federally protected consumer rights. 
I notified Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I am not responsible for the listed account as I am a victim of identity theft. I forwarded an identity theft police report number from my local police department, my report/complaint number with the FTC as well as a copy of my complaint with the attorney general and will attach the information yet again for review. I also furnished Synchrony Bank with the Civil Index Number regarding the fraudulent account and charges and after numerous complaints written, phone and online they have continued to violate my consumer rights. 15 US Code 1108/c-2, clearly states a stop the reporting of any information in the file of a consumer That the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days in facts 5 months. Synchrony Bank is in violation of this law because I am a victim of identity theft!! I want this account closed immediately and to stop reporting on my credit report as this is a violation of my federally protected consumer rights and as the law advises. I would hope that Synchrony Bank no longer violates my rights and removes and blocks this account and its information as well as ALL inquiries associated with this identity theft. If this account is not closed IMMEDIATELY as the Federal Consumer Law suggest I will have not option but to bring a Civil Suit to protect my Federal rights and seek ANY and ALL the judge sees fit. 

XXXX XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX {$4400.00}
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CO)

I closed an account XXXX for cable services when moving out of my mothers townhome located at XXXX XXXX XXXX, XXXX, CO XXXX XX/XX/XXXX The balance was paid in full and the equipment returned. Never received any information XXXX. XX/XX/XXXX I received a letter from a collections company stating that I needed to pay over {$440.00} because XXXX had turn a collection account on me for an unpaid bill. I do n't keep bills for these many years, so I had no way to verify that the account was taken care of. When I refused to make the payment and they told me that my credit will stay messed up until I paid the debt so I made the payment but the bad credit report still there. I am a poor student, I do n't have money to make XXXX even richer. While reading reviews on the collection company 's website, it sounds like XXXX has a scam going on with ENHANCE RECOVERY CORPORATION, to steal money from consumers. This is their information : Enhanced Recovery CorporationXXXX XXXX XXXX, FL XXXX XXXXThe account in question with them is XXXX. 
Someone needs to stop this type of activities to prevent businesses from monopolizing and taking advantage of consumers. This action on their part has caused my credit to be ruin. I am a decent citizen, working part time and going to school XXXX ; I still live with my parents because I ca n't afford to live on my own. I do not need the start of my adult independent life, to initiate with bad credit to affect my possibilities to request credit for the most basic needs in life such as car or home purchases. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2015-04-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (FL)

I had returned my equipment and cancelled my cable service in XX/XX/XXXX with XXXX XXXX. In XX/XX/XXXX Enhanced Recovery reported a collection for {$120.00}. I was informed it was from a past due and equipment non return. I contacted XXXX XXXX they proceeded to find the equipment. While I dispute the bill as I know I paid in full, I paid XXXX 90.00 and there remains a zero balance on the account. Enhanced Recovery is continuing to report an unpaid collection account for {$120.00}
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ERC (SC)

They consistently trying to call my place of work several times day. I can not except external calls on my phone especially from a bill collector. I have informed my boss about the calls since she sees my phone reports. This is embarrassing to me and the calls need to stop.
Consumer complaint received 2017-02-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (AZ)

On XX/XX/XXXX I was informed by my mortgage company Amerihome Mortgage that my XX/XX/XXXX, and XX/XX/XXXX payments had not been received. I immediately checked my bank account and noticed that the funds for the XXXX checks issued had not been drawn out of the account yet. I contacted my back and verified that the automatic bill pay system was not at fault, was given the XXXX check numbers, dates mailed, and expected processing time for the funds to come out of the account. I have attached the supporting document that shows the dates that XXXX processed the payments. I paid Amerihome Mortgage the XXXX payments and fees immediately on XX/XX/XXXX. After further investigation I feel that Amerihome Mortgage either held onto my payments or lost them as on XX/XX/XXXX Amerihome Mortgage sent me a letter stating that a check sent to them for payment was denied by XXXX my bank. After talking with XXXX the check that was denied was XXXX of the XXXX checks that Amerihome Mortgage had stated they did not receive. I am filing this complaint as my credit report has been impacted by this error and when I asked Amerihome Mortgage to send a correct statement to the credit companies I was told that they stand behind their decision to report a late payment on my account. There is much more information about the poor customer service with Amerihome Mortgage. When I initially attempted to set up payment on their web site, my account was denied by them saying I could not register for automatic payment or electronic draft on their site. I was not able to get this set up until after this incident in XX/XX/XXXX When I did get it set up the Amerihome Mortgage help advisor said " your social security number '' was incorrect in the electronic bill pay system which did not allow me to set up this account for payment. As a consumer I take my credit report and score very seriously. I was recently denied credit due to this inaccurate reporting and possibly a job that I was interviewing for in the same time period with XXXX ( XXXX ). I am looking for help in getting Amerihome Mortgage to remove the late payment statement as they for some reason did not try and process my payment until XXXX days after it would have been received. The check they attempted to process # XXXX was mailed out XX/XX/XXXX to be received by them on XX/XX/XXXX. They held onto this check until XX/XX/XXXX and because I cancelled payment on this check on XX/XX/XXXX because Amerihome Mortgage said they never received this check, it was denied by XXXX and clearly Amerihome Mortgage did receive this check. My end of year statement from Amerihome Mortgage was also impacted. I could use some assistance in getting all to this corrected.