davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

Back in XXXX we decide change phone carrier we were with XXXX XXXX XXXX and prior us switching I called XXXX XXXX XXXX  customer to see the amount for ending our service with. Customer reply back with around {$260.00} and something. So decide to carrier and the new carrier cancel our service with XXXX XXXX XXXX when we switch over. We never receive a bill statement from XXXX XXXX XXXX after that and we did paper statement by mail. Then in XXXX I receive statement from Credence Resource Management LLC saying I we owe {$560.00}. XXXX. I called XXXX XXXX XXXX to get answer why I did not receive my last statement and customer said that they sent my mail and email which is not true. I also ask that amount I was differently prior to switching carrier. The customer said because of early termination feel and remaining on our phone device again not true. We have been with them for several years and last time we got a phones device from them was XXXX years and they were pay off and we had no sign agreement with after XXXX years. Then I went on to ask a copy of last statement or any past due state. The customer service got rude and said it not our problem anymore the debt belong to Credence Resource Management now. Then I called Credence Resource Management all got was being transfer to one person to another and not getting any answers. Then in XXXX I wrote to them by certified mail requesting a copy of the last statement from XXXX XXXX XXXX showing what has been. Credence Resource Management sent me dispute letter response only stating the amount valid. No copy of the itemization charges from XXXX XXXX XXXX.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (TX)

I had a repo back in XXXX thru XXXXXXXX XXXX and every month since then they update it and report it as a new repo. Every month it causes my score to go down. I disputed it and all 3 corrected it for the month of XXXX causing my score to go up alot. But XXXX reported it again as a new repo so back down it went. I can't dispute it because the system won't let me because I disputed it once already. Not to mention XXXX bank sold my truck to an employee / member instead of sending it to auction where I know it would have went for far more then they sold it for. Then they turn around and have been charging me interest and late fees on top of interest and late fees.
Consumer complaint received 2023-03-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-03-17
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. (NV)

I have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all XXXX and Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I went into a Citibank branch to withdraw some money and was told I had a negative balance, my account had been locked and my XX/XX/XXXX Social Security check had been seized to pay down the balance. My ss check is a direct deposit. 

I have tried working with the branch managers in two branches to no avail. They just restate the problem. My problem, of course, is that I have NO MONEY. that ss check is my monthly paycheck and I am a senior citizen with no money ... O feel as if I have been ROBBED! 

I began emailing the CEO OF citibank to explain not only that her bank is out of compliance with a Federal rule prohibiting the seizure of ss checks that have been direct deposited but also every single person at Citibank has not had a clue what to do and tells me there's nothing they can do! I've tried to explain what Citi has done is illegal and I need my money back to live and the branch managers all look at me like deer in the headlights. One even said to me, " You'll figure it out! '' The CEO forwarded my email to an Executive Response Unit who read out of the CLIENT MANUAL like a ROBOT! 

i asked him if he knew about the rule that says in part that direct deposited ss checks are protected and the bank can not seize them! 

He told me that he was reading out of Citi 's CLIENT MANUAL and asked if I would like a copy!!! I emailed the CEO to close the loop so far and that her bank is out of compliance! 

Haven't heard peep since! 

I need help. Citibank is terrible. I have changed my direct deposit designation to Social Security 's bank ( A XXXX XXXX Card ). I started with that when I first got ss and I wish I had never heard the name " Citibank. '' They are dishonest and rude!
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am beyond sick of Bank of America. I have had soo many issues with this bank and the latest is extreme long holds on checks. They continue to do this and I'm a preferred rewards member ( 27 years ) but they treat me terribly. They have no rhyme or reason or a clear explanation why they hold your hard earned checks for 10 to 12 days. Absolutely ridiculous how can you pay your bills with type of relationship. BofA is fraud scary and suspicious of every move you make. I don't want to have a relationship with a bank like this. They are very spooky and they transfer that over to me ( a customer ) as if I'm scammy or doing shady business. They once held a business check for 12 days a few months ago and I said I would never trust them again. But I went on ahead and deposited my real estate broker commission check and the teller never indicated a hold. Then I saw an email saying they are holding the check until XX/XX/XXXX. This is horrible because I have to pay my mortgage today or I'll have a 30 day late on my credit report. I was counting on this money to catch up on my bills. So now! 'm scrambling to see what I can do. BofA has created this pressure on me worrying about paying my bills. I spoke to the check maker and the funds have cleared their account and the funds are more than good. BofA still refuses to release my funds or any of my funds. XXXX bank has a glaring difference in philosophy, they give you a portion of your check deposited immediately and the balance the next morning. This is with business or personal accounts. I need this check hold released immediately so I can pay my bills. If I receive a 30 day late on my credit report due to BofA over reaction, I will never forgive them. I worked 4 months to earn that commission check and I deserve my funds right now. I made a grave error depositing this check into a BofA checking account. Please release the funds!
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (FL)

On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. 

In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.
Consumer complaint received 2023-03-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC. (FL)

1 ) On or about XX/XX/XXXX I attempted to open a checking account with Suntrust bank. I made a {$100.00} opening deposit from my current XXXX XXXX XXXX account. 

2 ) On XX/XX/XXXX, Suntrust bank stated that they could not fund my new account. On or about the same date, they returned my opening deposit in full to my XXXX XXXX XXXX Account. 

3 ) In or about early XX/XX/XXXX, I received a checking account statement from Suntrust bank. I contacted them via their online contact form notifying them that they had not opened my account. 

4 ) In or about early XX/XX/XXXX, I attempted to gain online access to the Suntrust checking account via their online banking service. On XX/XX/XXXX, they notified me that they were unable to open the account because they did not have all of the required documents. 

5 ) On XX/XX/XXXX, I received a checking account statement from Suntrust bank dated XX/XX/XXXX showing a - {$3.00} balance. The statement consisted of a {$0.00} opening balance, 0 transactions, and a {$3.00} paper statement fee. When I attempted to open the account, I opted for electronic statements. Further, Suntrust never opened the account or allowed me access to the account.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (GA)

XXXX Acct # XXXX needs to be deleted and removed immediately from my Equifax credit report because I did not open an account with them. XXXX failed to send proof that I opened an account. Where is the contract that I signed to agree to the terms and conditions? Your company will not put any accounts on my credit report that I did not authorize. I will be filing a lawsuit against your company as well as reach out to my Attorney General Office.
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I am a victim of a deceptive unfair trade practice of two car dealers and two banks who sold me vehicles with liens on each and made me liable for two car notes that exceeds my current income. Both vehicles were sold on an as is basis with over 100,000 miles and older models. Both dealers took down payments financing the vehicles for more than what they were worth. I was never shown these vehicles before any loans was finalized.
Consumer complaint received 2018-06-06
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: STATE FARM BANK, FSB (GA)

XXXX refuses to thoroughly investigate and delete fraudulent accounts from my credit report. XXXX also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with XXXX since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing XXXX for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. State Farm Bank Acct # : XXXX
Consumer complaint received 2023-03-17
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kramer & Frank, P.C. (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. 

I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. 

I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. 

No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-06-06
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: EQUIFAX, INC. (GA)

Equifax refuses to thoroughly investigate and delete fraudulent accounts from my credit report. Equifax also takes longer than 30 days to investigate and delete fraud accounts from my credit report, under FCRA, if it takes a credit bureaus more than 30 days then by law, they suppose to delete and remove these fraudulent accounts. I have been filing disputes with Equifax since XX/XX/2017 on fraud accounts that I did not authorize or consent to. In return, this has caused me to not be considered for employment as well as display my credit worthiness. I will filing complaint as well as suing Equifax for allowing these fraud accounts to remain on my credit report. 

The following accounts need to be deleted and remove immediately because I did not authorize them : 1. XXXX Acct # : XXXX 2. XXXX XXXX XXXX Acct # : XXXX
Consumer complaint received 2018-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I have recently had a flood in my house and received a disbursement from my insurance company for around {$41000.00}. XXXX forced me to turn these funds over to them ( presumably so they can collect the interest while they hold on to my money ). Since then, I have been dealing with their internal documentation process which has caused delay after delay after delay. They are denying paperwork that is completed properly to cause delays. Every time I call to get a disbursement, I am told it's 4 to 6 days out. My leak was on XX/XX/XXXX. I sent the check to them on XX/XX/XXXX. It is XX/XX/XXXX and they have still not mailed a check to me to pay for my repair work. I have already had to pay {$5000.00} out of my own pocket to pay for the work to get started and I don't appreciate them holding my money and refusing to mail me any amount to pay for the repairs I need to have done in my home. Please get them to escalate a check to me immediately for at least {$10000.00} to cover my initial payment of {$5000.00} and give my contractor another {$5000.00} so he doesn't walk off the job!
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My consumer credit report is updating incorrectly in violation of 15 U.S.C. 1681g. I dispute the XXXX account also known as XXXX XXXX Bank in a Charge-off status and past due balance estimated to be {$10000.00}. 1 ) Statute violation : FCRA Section 623 ( a ) ( 1 ) ( A ). I am contesting the accuracy of this information and requesting that you remove the account from my credit report immediately. I believe that the creditor 's reporting of a charge-off account with a balance is a violation of the Fair Credit Reporting Act. According to the FCRA, a creditor is not allowed to continue to report a charge-off account with a balance. This violation further supports my request to have the account removed from my credit report.
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now portfolio company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX
Consumer complaint received 2018-06-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX : applied for home equity line of credit on line. At the end of the process I was prompted with the following message : " This message confirms that we have successfully received your application. Your Loan application information is provided below. Your application will be assigned to a lending representative within the next 24 hours. If you have further questions regarding the status of your application, please call XXXX and mention the below loan application ID number. We value your relationship and thank you for choosing Citibank for your credit needs. ". 

XX/XX/XXXX : Since no one contacted me, I called Citibank to follow up. I called the XXXX at XXXX XXXX and spoke with a representative who after providing her with my SSN, stated she couldn't find my application data that I submitted on line. I stated my concerns about : a- Protecting my private financial information I included in the on-line application. And : b- The impossibility of refiling on line again since I already used my email on the application she couldn't file. And : c- The possibility of a conflict which may occur if I filed over the phone or in person, with the now missing on line application data, which may cause future delays to the processing of my loan application. 
The conversation ended at XXXX XXXX, and the representative stated she will check with others and call me back. 
Since I didn't hear back from Citibank, I called again for follow up. I spoke to about 6 representatives who kept switching me around as if I was punished for asking where my information is. The shuttling around lasted from XXXX XXXX to XXXX XXXX - all conversation recorded by my security camera. The last person said she couldn't hear me! I spoke with about 6-7 persons from Citibank some were able to hear other claimed they couldn't, and I used the same phone in all calls I made.

My complaint is about not being able to apply for credit ( home equity credit line ) to an equal opportunity lender bank. I do recall the same harassing treatment from Citibank when I applied for my home mortgage in XX/XX/XXXX, and that I was only able to proceed, after complaining NYS banking department and to Citibank managers. As I wait your response, I intend on calling Citibank tomorrow and again try to reach a supervisor.
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (MS)

My loans were paid in full in XX/XX/XXXX, I thought I gave Navient ample time to submit my account status as paid to credit bureaus, as I did not start inquiring until XXXX, XXXX as to why they show " deferred '' with an outstanding balance of over {$130000.00}. Each time I am given the run-around. The last representative I spoke to in XXXX, emphasized with my position as this is hindering my ability to obtain new credit because of the high balances an assured me he would send in correct to the 3 bureaus. I called back last week on or around XX/XX/XXXX to inquire if my credit bureau had been correct. I was told by another representative that she saw the notes from the last phone call. She further stated I would need to send Navient a letter disputing the debt they are reporting erroneously, along with a copy of a credit bureau that shows how the debt is reporting of which I did as requested. I called to check on if Navient is in receipt of letter, I was told yes, but it will take a while. I am disabled and need to  purchase a lawnmower on credit so I can have a riding mower as I am unable to cut my grass with a push lawn mower now. I really need help getting this off my bureaus.
Consumer complaint received 2023-03-17
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 (GA)

Dispute amt of XXXX from XXXX XXXX XXXX that would not fix repair on my car, cancelled the service in timeframe and Capital one added the charges back on my account twice with no repsone either time from the disputed company