davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hi there. My father passed away in XXXX and actions were taken to close his financial accounts with Merrill Lynch beginning on XX/XX/2023, with a value of about {$61000.00}. My stepmother and I chose to split the money and filled out all paperwork as directed, right away. Funds were promised in " 5-7 business days. '' Since then, we have spent countless hours on hold with their representatives to no avail. We continue to be told it will be another 2 business days, but it has now been two months. After reading many horror stories with this company on the internet, I fear we are being bamboozled.
Consumer complaint received 2023-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (TX)

US bank is asking to verify my account since there are fraud anomalies on my account. One I haven't used my card for anything except for groceries or gas but that was a month ago. because I am paying off the card this year. They are asking me to send them my personal bank statements, tax forms, social security card, and other info such as DL via mail. I wouldn't mind sending my DL, but send my social security card, tax forms, and bank statements in the mail. I keep calling to get to the bottom of this, every single time I call so far every representative hangs up the phone when I asked if I can omit some info from my bank statements/tax form since I have had my identity stolen before. Plus they can not tell me why they need my statements or why they need to see what I am spending in my daily bank account. This has nothing to do with my credit card. Nor will they give me a fax number to send in the documents. This is sooooo unfair and very unprofessional and I just want to rectify the situation. The employees need to be trained better on how to handle the situation.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (MA)

My affirm account is still showing in collections that I have a balance owed and the balance is currently paid in full. Ive disputed this 2 times and uploaded confirmation of payment showing my account is paid and full and everyone the dispute results come back there are no changes. 

I paid XXXX  credit card off, I have proof of payment and they will not update my account
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number Account Name # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (TX)

I have audio recording from managers stating my information is not in their system. ( Their is no reinstallment contract ) They have no original signatures of mine. 

I have recently sent an affidavit to XXXX XXXX XXXX on XX/XX/2023, but despite waiting for 30 days, I have not received any response from them. I made attempts to contact them earlier to confirm if they had received my mail, but I was informed that I could not speak with them without legal representation. As per my understanding, an unrebutted affidavit stands as truth, and now that it has been 31 days with no communication from the company, the matter is still unresolved. 


I am determined to pursue the claims mentioned in my affidavit, and I am looking for guidance on how to take legal action against the company if they continue to avoid resolving the matter. It is imperative for me to seek a resolution to this issue promptly, and I am willing to take all necessary steps to achieve that.
Consumer complaint received 2023-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NJ)

About 1 month ago I visited my TD Bank branch in XXXX, NJ to close my account. I was told it could only be done if the balance was XXXX. I withdrew all my money to bring the account to zero. Then I was told that there was a transaction pending and they could not close the account. Then I noticed the transaction went through with an added {$35.00} overdraft fee. I paid the amount to being the account to zero, but the account still was not closed. Other charges came through, each with the added overdraft fees. Im traveling, so I made a transfer from my new account with another bank and my husband went to the branch in person to pay any additional charges and close the account. They promised the account would be closed within 24 hrs. Today I checked and the account is not only not closed but Im again overdrawn nearly {$800.00}. I cant get rid of the account and they keep legally extorting fees from me. I dont know what else to do. Im trying to organize payments from the new account, but I cant afford double payments nor to continue to pay TD for a situation they created and are profiting from. I consider these new charges to an account that should have been closed to be unauthorized and fraudulent. Can you please help to get the account closed?
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX  BANKRUPTCY ( XXXX XXXX XXXX TX  ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.
Consumer complaint received 2023-04-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In a recent review of my credit reports, I found a " Collection '' account being reported to all three ( 3 ) credit reporting agencies in the name of XXXX XXXX XXXX. I contacted the company and all three ( 3 ) credit reporting agencies seeking " Validation '' and to inform them that I do not owe this debt, I do not recognize this debt and that my Consumer Rights have been violated. I received no notification of investigation from the credit reporting agencies, only to show that this " Collection '' was disputed by consumer and meet the FCRA requirements. The company itself has yet to provide me with any information. Furthermore, pursuant to the FDCPA Regulation F, this company has violated my rights by not adhereing to the follow law : Actions Which Must be taken Prior to Credit Reporting Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. The purpose of this amendment is to avoid the practice of debt collectors from reporting debts to collection agencies and then waiting for the consumer to contact them after the negative credit reporting is discovered by the consumer. The credit reporting agencies has allowed this and along with the company are breaking the law. They are willfully placing a negative, unverifiable account on my credit report without any proof that this alleged debt belongs to me.
Consumer complaint received 2023-04-19
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. (NY)

I am a natural person, I am a living human being. I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 And they have violated my rights numerous of times. I demand these accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts Amount Date Opened XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Dept of Ed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: BARCLAYS BANK DELAWARE (TX)

We have a Gap store card for years and has been on auto pay. Last year Gap moved the account from XXXX ( i think ) to Barclays. The account transfer was bungled such that we could not create a new login at Barclays to check account balances. In the meantime we used the card. In XX/XX/2022, we called on the phone and made all the payments and made balance XXXX. Somehow they charged us {$2.00} minimum fee and we never got any letter for it and we never used the card for next few months. In the meantime, that {$2.00} had a {$30.00} and {$40.00} late fees tagged on. We called and sorted it out with Barclays. But they reported us for " late payment '' to credit bureaus which adversely affected our credit while this was no fault of ours. We currently have a credit balance with Barclays gap card ( they owe us money. ) We called them to resolve the credit reporting matter but they do not have a phone number or an email to communicate with their credit reporting dept. 
Only help we're looking for it to fix the incorrect reporting to the credit dept.
Consumer complaint received 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I pay my balance in full on my XXXX XXXX XXXX  but I noticed that even though I pay it before my statement date it does not reflect on my report as the statement date direct balance of XXXX instead I if I use my card the day after day 100 % it will show as 122 % in this case! 

This is either -Perjury -credit bureau fraud -credit card company/industry bias -Extreme prejudice/XXXX of religious sect ( w/ ongoing litigations pending Supreme Court investigations documents to support my claim and of course the statements between cycles.
Consumer complaint received 2023-04-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I have been on forbearance with Wells Fargo and working with XXXX 's assistance to get help paying my mortgage because of financial hardship due to me having long haul XXXX, and my home mortgage payments going up because of taxes and insurance rates. During the middle of all of this, Wells Fargo sold my loan to XXXX XXXX XXXX. When I read about this new company, it seems as though they are more of a collection agency than a mortgage company. How can Wells Fargo do this while I was in the middle of all of this? Wells Fargo was the one who told me about the XXXX assistance program to begin with.
Consumer complaint received 2023-04-19
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: AMERICAN EXPRESS COMPANY (CT)

I signed up for an American Express platinum delta airlines card Card ending in XXXX. When I went to use the card I was repeatedly denied access to the Delta Airlines club. This is in contradiction to the terms of the card, which states that I am allowed to enter the club. I was also denied access to affiliate clubs in a number of international locations including most recently XXXX XXXX. The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and was told by the AMEX REP would be absolutely no penalty, and or no clawing back of The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and told there would be absolutely no penalty, and or no calling back of prior benefits. American Express then sent me an on-site email telling me they have the right to do this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunprior benefits. American Express then sent me an on-site email telling me they have the right to do. 
this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunded, and well as any benefits to be reinstated. 

I also signed up for an American Express platinum card to replace this card. American Express will not honor this refund I will cancel the NEW card, which costs $ XXXX. 

I was on hold for over 40 minutes XXXX  XXXX the CS rep how threaten to hang up on me until I asked for a supervisor. that a supervisor never came to the phone and DID NOT CALL ME BACK AFTER 48 HOURS
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (DE)

We applied for a Chase Mortgage on Friday XX/XX/XXXX for a closing XX/XX/XXXX. Our mortgage advisor XXXX XXXX assured us we were well qualified and would have no problem with an on time close. We submitted all documents initially requested within one business day, and then we had no further document requests for weeks. 

After several weeks with no action from chase, i emailed asking for an update and our mortgage advisor apologized to us in an email for in his words a severe breakdown in the mortgage underwriting process. XXXX advised us he expected loan approval the next morning XX/XX/XXXX. That afternoon of the day he told us to expect approval, XXXX emailed us document requests and today XX/XX/XXXX, one week before our scheduled close, our advisor XXXX informed us Chase was unable to meet our closing. 

XXXX misled us throughout the process telling us to expect no problems with the timeline or approval and Chase failed to meet their responsibilities on their side of their lending process. Chase failed to close on time despite assurances. Our own mortgage advisor acknowledged and apologized for their severe breakdown in process leading them to be unable to provide the loan on time and forcing us to pay cash to close.
Consumer complaint received 2023-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax Credit Bureau failed to remove old address of : XXXX XXXX XXXX. XXXX, PA XXXX. This bureau was sent a letter via certified mail to delete this information.
Consumer complaint received 2023-04-19
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. (FL)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY

ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-08
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: EQUIFAX, INC. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-04-19
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverifiedinformation without providing any proof within the period allowed by law. The account needto investigate and correct for erroneous reporting in my file and is listed on my creditreport : XXXX XXXX XXXX XXXX : {$1100.00}