davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

This is an email that I sent the branch manager where I open my business account over a year ago. Within the email you will see all of the information you're requesting. The branch manager XXXX XXXX email address is : XXXX Greetings XXXX, I'm with hopes that you and your family are well. 

I do wish I could say the same about mine, but we are not well, and are facing the lost of our business because your branch has closed my business accounts based upon False, Fabricated, Unproven Allegations and have refused to release the balance funding within the two accounts with a total sum of .... since the closing of the accounts on ( date ). 

I have been calling every week for the past ( date ) and have received the same cover story of " pending the completion of some unfounded mystical allegations fabricated by your branch. '' Back Office or not my account was open in your branch and you have the obligation and responsibility to release my funds at the time closing of my business accounts. 

The letter you send me dated on XX/XX/XXXX, I received in the mail several days later, which is the same day on XX/XX/XXXX I tried to wire {$37000.00} that was rejected. The letter caption Read : " IMJPORTANT : To protect against potential fraud, we restricted your account and may close it soon. '' Followed by saying : " At Chase we're always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ending in XXXX, XXXX and may close it soon. We understand this is inconvenient, but protecting against fraud is a top priority. 

Please act quickly to better understand the restriction on your account- you may be able to provide information needed to keep it open. '' You made it appear that it was for my benefit, but you had already closed the account after I received that letter several days later and went to the branch to find out what was going on and with the accounts and why they closed them, and what was the reason for you blocking my last wire transfer on XX/XX/XXXX in the amount of {$37000.00}. 

These two accounts ending in ( XXXX and XXXX ) had been open since last year XX/XX/XXXX. 1 year and a week later still doing business as usual without any complaints from the traders sending the funds to my business accounts of any fraudulent activities or a request to have the funds sent back to them, you come up with this malicious circumstance holding my funds with a total sum of {>= $1,000,000} balance reported on my two last business accounts statements ending in XXXX and XXXX that has been withdrawn by you, with a XXXX Ending Balance. 

Is it because I am a XXXXXXXX XXXX  man in my XXXX 's is the reason why you're treating me this way and want to destroy my business I've worked hard to develop and build properties? 

Regards, XXXX ( XXXX ) XXXX
Consumer complaint received 2024-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

XXXX XXXX has been drafting my checking account with Bank of America {$21.00} per month. 

In XXXX I went to the XXXX XXXX near my home to STOP drafting payments and to cancel my membership as I had moved out of the area. 

The draft has continued. 

Last weekend, I went in to the XXXX XXXX location where I originated my membership again and stated I wanted my account cancelled and drafts to stop. 

The gentleman at the desk stated Maam, your account has not been active for XXXX days. I stated, Correct, yet nonetheless, you continue to draft my account {$21.00} per month. 

The gentleman called for his Boss. The two XXXX XXXX employees both began looking in their computers and concluded Maam, Im so sorry, we are unable to locate an account under your name, email address or phone number. 

In my frustration, I expressed my intent for the payments to stop. XXXX XXXX response We dont know how to do that because we dont see you even have an account. 

I want ALL payments since XX/XX/year> ( 2000 days ago ) refunded in their entirety. If XXXX XXXX is unable to verify an account, Bank of America should be unable to draft these funds.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

on XXXX-XXXX-2017 i deposited in my account XXXX dollares from a customer in 3 checks of XXXX each the next day i checkd with the bank and they told me the funds were avaliable for me to withdraw when i tried to withdraw the money the teller told me that the bank will need to verify the checks with the other bank come back tomorrow and be able to withdraw funds for me but on the same day my online account was blocked my personal and business accounts were blocked and nobody told me anything about it not even a phone call telling me nothing and i really need the funds to take my family out of XXXX to XXXX because of the huracan irma is coming category 5 now i dont have money or debit cards or nothing i called the bank and they told me they have an investigator named XXXX doing some investigations i called this investigator 5 times and not respond from her now what do i have to do now if they were going to block my online account or cards why in the world i was not notified in the first place so i know what is the problem now i dont know what to do i have family kids without money and a huracan irma is coming to us we dont even have moneyfor gas to get out of here this is not the right way to handle customers at all i wish i can sue this bank for this kind of behaivor i am contacting you because under the law you are the ones that supervised and take the appropiate sanctions against this bank i want to know what to do as soon as possible since this huracan is coming please help me my life and the lifes of my family is in danger and XXXX XXXX is responsible for thank you XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Hours : Open today XXXX See more hours Phone : ( XXXX ) XXXX
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was using XXXX XXXX to pay our household employee ( Nanny ). I notified XXXX XXXX that the nanny position would not be needed anymore as our children were attending school. They continue to charge me monthly {$10.00} for the last 15 months. Cancellation process is significantly more involved than signing up for their service was. Customer service has records of my contact and requests to cancel service, yet they require I follow multiple prompts according to their protocols. I do not authorize these transactions on my checking account and have notified my bank, yet the charges continue.
Consumer complaint received 2023-04-16
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. (NY)

AS XX/XX/2023 THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM XXXX CREDIT BUREAS.as of account XXXX XXXX XXXX XXXX XXXX the XXXX credit bureas removed this fraud account, and then between XX/XX/2023 -- -- XX/XX/2023 this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as XXXX not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible!

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!!

under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that XXXX was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

i called hsbc to get a refund of {$2.00} owed to me, they have now put me on hold, told me they have to review it ( i received this credit owed on my bill ) and every time they call to go over the account???? they have kept me on hold 20 minutes hung up then 25 minutes and hung up. unable to reach a person. i just want to cancel this and write a bad review somewhere, terrible customer service over {$1.00}
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have asked XXXX to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I owed XXXX XXXXXXXX XXXX XXXX  a balance of {$680.00} from an old apartment. I paid this off months ago, and didnt know that it was impossible to get this deleted from my credit report. I am applying for an apartment that runs credit through Experian and even tho this account pops up as paid in full, they refuse to approve me until it is just gone and doesnt pop up. I have contacted the creditor and they claim that it is impossible to get this deleted. I have no other housing options as this is the only place I have to live with a roommate who is already here. I wanted to try everything I can do to get this account taken off my reports.
Consumer complaint received 2016-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I co-signed a note with my granddaughter for an automobile. In 2014 she stopped paying for the vehicle so I voluntarily surrendered the vehicle to the financial institution and began paying the remainder of the loan. Since that time I have made all payments on time. Equifax has shown the voluntarily surrender to be within the last several months instead of 2014 and will not correct the information. This falsely lowers my credit score and makes me look like a bad credit risk.
Consumer complaint received 2023-07-03
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. (TX)

Upon reviewal of my consumer report with all three credit reporting agencies, XXXX, Transunion, XXXX, I noticed that there are unauthorized inquiries on my consumer reports. I did not give any written consent or instructions as required by law according to 15 USC 1681b ( a ) ( 2 ).

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstan
ces and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Unauthorized inquiries are as follows : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  Also, there are inaccurate addresses being reported. 
Inaccurate address are as follows : XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XXXX XXXX, XXXX, Texas, XXXX XXXXXXXX XXXX XXXX XXXX Texas, XXXX I am providing a copy my driver license and water utility account for identity and address verification, and a copy of my FTC identity theft report XXXX
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (OR)

I have been trying for months to remove false and inaccurate comments reported on an account with Experian. I have contact XXXX XXXX XXXX ( the account in question ), and have asked them to remove the incorrect comments on the tradeline stating the account was disputed previously. The account was never disputed. XXXX XXXX XXXX has informed me the have removed the comments to accurately reflect the fact there should be no comments on the report at all. The comments remain however. I have disputed the comments with Experian several times, and each time they have refused to remove the false comments. This account was never disputed and this is plainly false. Experian has been steadfast in their refusal to correct the mistake. Again, there should be ZERO comments in the XXXX XXXX XXXX tradeline. Anything suggesting otherwise is not accurate.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/23 I received a phone call by an alleged police officer and a scam XXXX request for payment of {$5000.00} for an alleged bail bond for an employee. After authorizing the transaction I immediately contacted Truist Bank and advised that I had been defrauded. They refused to take the dispute for a day and a half until after the transaction had posted. They then waited 5 days to initiate the process of contacting the receiving bank and refused to tell me which institution had received the funds.
Consumer complaint received 2023-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (TN)

I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
Consumer complaint received 2023-06-21
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. (TX)

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 XXXXXXXX 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.
Consumer complaint received 2023-06-21
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: WELLS FARGO & COMPANY (LA)

Wells Fargo is reporting that I am currently late every month on an account that they wrote off in 2019 as cancelled debt. They issued me a 1099-C that I had to include on my taxes. I am not currently late for any payments because the account is closed and should be reporting a zero balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. It is being included in my credit score calculation incorrectly as well. Both XXXX and XXXX are reporting this account incorrectly despite several dispute requests.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (NC)

Regarding : Belk Store Account XXXX XXXX XXXX XXXX On Approximately XX/XX/2022, Belk Store reportedly sent a XXXX XXXX Purse to me.. I never received the purse. 
XXXX delivered the purse to the wrong address. Tracking XXXX ( XXXX. 

I have written to Belk many times sending information to them to prove that I never received the purse. I have also talked to your Synchrony Bank and sent you information to prove that the purse was delivered to the incorrect address. 

I have opened several case to get Belk to rectify problem, but to no avail. 

Belks/Synchrony Bank continues to harrass me and send me late due notices over and over for a purse that I never received.
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Home Point Financial Corporation (MI)

I had a stream line fha loan refinance and the loan i signed and what actually happened are different in regards to the payoff of my loan to wells fargo. I was also told by this new loan co. not to pay my XX/XX/XXXX payment. and any late fees interest and p.m.i. would be taken care of by them. I was also told that my escrow would be rolled into my new loan. I went from a XXXX adjustable rate with wells fargo. to a XXXX fixed rate. My payment was suppose to be XXXX a month but they screwed up my escrow and missed a payment on my taxes in XX/XX/XXXX costing me more money on my tax return as I could not deduct the taxes that were not payed in 2015. I sent several messages to Home Point Financial requesting a loan expert contact me in regards to this loan. They kept spinning me and told me to contact transtar tittle co. I tried that and no one returned my calls. They again told me to contact the loan originator. I received a call from his secretary and she said he would contact me back. This was XX/XX/XXXX and still no call. I need help in going over the issues i found in this loan.
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I disputed Tax Liens with XXXX and Equifax that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )