davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (TX)

This is regarding a concern about a business credit card application submitted XX/XX/2024, with the application number XXXX. My application was denied on false premises, and I have reached out to Truist for help in this matter. It was bought to my attention when I spoke to a representative over the phone that I mistakenly put my filing number when my TIN number was needed. The representative told me to send a letter via mail, and to send an email to XXXX in which I did. When I emailed Truist, they informed me that they could not validate my information which is weird because I gave them everything that I gave the agent over the phone who was able to validate my information. I am under the impression that the agent did not want to conduct a proper investigation to help remedy this problem. I am only now submitting this complaint after XXXX XXXX because it is obvious this has fell on deaf ears. My application was submitted to secure a business credit card for my business. My personal credit, business credit, and revenue is up to par. I am asking for reconsideration giving that this application was denied based on misinformation. Extending my business this credit would help me establish a relationship with your company. I have attached all docs for your reference including my personal credit reports, business credit report, XXXX, filing number, email correspondence, and the letter mailed which is dated and time stamped. I am asking that there is no hard pull performed being that my most recent credit report ( XXXX XXXX ) is attached. I look forward to a favorable decision from your company. Thank you for your time.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (TX)

XX/XX/year> spoke with XXXX XXXX XXXX agent XXXX informed my balance owed {$450.00} to a closed account and sent to collections. And card is not active. 

I said okay due to circumstances and stated I will continue paying balance owed until paid in full. Efforts payment applied until XX/XX/year>. 

On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX for balance status. Representative XXXX stated balance due {$290.00}. Next I request speak to supervisor XXXX stated balance due is {$390.00}. Both representatives reluctant to discuss payments applied to my account record. 

Perhaps I could have over paid.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: VEROS CREDIT, LLC. (CA)

I was informed by XXXX, I could not dispute an address as its associated with an account on my credit report. I have no idea where either verso credit or XXXX XXXX XXXX XXXX  came up with the address they are listing in my credit report. I am unhoused with a XXXX XXXX XXXX and cant get approved. The question that is asked is why I dont list the address that shows up on the background/credit. One address I have dont know of or know anyone that lives there, the second address was for mailing purposes only, I never lived there. My place of rental at the time was at a XXXX XXXX XXXX XXXXXXXX XXXX in XXXX ca & that is my current situation XXXX XXXX XXXX 

I attached 4 screenshots showing what a landlord see & what is reported on my credit report. Verso credit appears to falsely adding address that does not exist to my account. The XXXX XXXX XXXX XXXX in XXXX California is correct but they turned around and listed as XXXX XXXX XXXX XXXX XXXX, ca XXXX. This address does not exist and I did not provide them that information. 
The address XXXX XXXX  XXXX XXXX in XXXX ca XXXX, I have no affiliation with this address & I did not give them this address as a reference.
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

They promised me that if I have {$2000.00} direct deposit in my account and Ill get {$200.00} back. But I didnt get anything back after I had more than {$2000.00} direct deposit in it for many days.
Consumer complaint received 2024-05-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (GA)

Ive resent a XXXX XXXX from XXXX the people who issued my check the lady who keeps responding is lying saying she never received it this bank needs to be investigated as soon as possible I have proof of the XXXX XXXX letter this has been since XX/XX/year> I lost slot behind this late on bills and I want their matter to be known I even filed better business complaints also
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 


XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$7400.00}
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/year> my husband made an echeck deposit for {$4000.00}. We then got an alert saying this check would not be available until XXXX. According to RegCC and the standard check hold policy, {$220.00} should have been made available the next business day and the remaining balance up to {$5000.00} available the business day after. The reason provided was Reason to cause doubt if collectibility. This was odd because the check was not post dated or stale dated, we have never deposited a check that has been returned in The past or repeatedly overdrawn our account. In no way do we fit the criteria for being subject to the extended hold policy. I called to speak to someone about this, and after being on hold for XXXX minutes I finally spoke to a representative who repeatedly attempted to lie to me saying some checks just take longer to verify. First, that is a lie, second, regardless of verification I should not be subject to an extended hold. She would not let me speak to someone else. And she ultimately got off the call by transferring me to someone who could tell me why I was on extended hold that was ultimately an automated system for check verification. Bank of America can not arbitrarily place holds. And on what bases was this decision made?
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

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 use 1681.

consumer collection mana diversified adj svc 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (GA)

I have shown proof of who I was 5 times to XXXX representatives. I was redirected 3 times. I again accused of fraud. I proved to the bank with passport. But again XXXX told I have fraudulent account.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America has been reporting nonpublic personal information such as transaction history and much more to third-party non-affiliate companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without my written or verbal consent  or any notification prior to doing so. This is a violation of my privacy under the Privacy Act of 1974 and 15 USC 6802-6805.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

RUSH PLEASE I have foreclosure sale date scheduled for  XXXX   XXXX ,   XXXX   and I can not stop it. I have Loan Modification with my servicer NATIONSTAR MORTGAGE,  LLC a nd seems like they are violating my CALIFORNIA HOMEOWNERS BILL OF RIGHTS.     Hi, my name is  XXXX   XXXX  and I 'm having a very hard time dealing and working with my servicer NATIONSTAR MORTGA GE, LLC. I h ave mailed and faxed over all documents for a loan modification but they are still proceeding with the foreclosure sale scheduled for  XXXX / XXXX / 2017 . If they proceed with the sale they will be in violation of the CALIFORNIA HOMEOWNERS BILL OF RIGHTS. I really do n't know what else to do. They say they will not give me a loan modification and that they can not do anything. How is it that they can not do anything. I 've been trying with them for a long time. I tried and applied for the Keep Y our Home Cal ifornia program when it was still active and they still said I was denied. I need help. They keep denying and prolonging the process until I have exhausted all my resources. I will not stop fighting till I get a loan modification if be it I will have to file a lawsuit against them in court.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

On XXXX My coinbase account was restricted and I had no clue about why. As soon as I saw that my account was restricted I asked for support and thats when I found out that I had received an email on XXXX about information to verify my account. I have sent them all the documents they have asked for and they have failed to unlock my account. They keep on asking for more information to verify my account when I clearly provided everything they need. The people who apparently are investigating my case keep on saying that they cant verify my account. I have asked for a phone number to contact or an office to visit but apparently there isn't any. It is now XXXX and I don't have any access to my money.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OH)

On  XXXX / XXXX / 17  there was a balloon payment due on the mortgage. They never sent a statement telling what the balloon payment amount was. They refused the electronic payment from my bank on  XXXX / XXXX / 2017  but kept sending m bills.They had  XXXX  dollars of my money as unapplied cash. I have called them multiple times and they keep saying they have made a mistake but they never fix anything, They finally told me to pay the difference from the statement balance minus the  XXXX  dollars in unapplied cash to payoff the loan. I sent a cashiers check for {$2300.00}. That completes the balance of {$5300.00}. When I checked my account on line they have posted that payment as unapplied cash. They are sending me letters about late charges and threats against my credit and property. No matter how many times I call nothing gets resolved. I do not know what else to do. I do not want them taking my home because of their errors.     The company is NationStar Mortgage,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , CA,  XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (CA)

In early XXXX of this year, 2024, I noticed numerous inquires in my account that were hard. I did both authorize or verify these companies. I was completely unaware of the actions of the companies running my credit. Below I will attach an FTC report in which states all the companies that had unauthorized inquiries on my account.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX my account was closed, I had a balance of {$370.00} in the account. I was told a check for that amount would be issued on XX/XX/XXXX and would arrive within 7-10 business days. It had been 15 business days and I havent received anything. I have called several times about 10 times and have been told it was sent to the wrong address and another check was issued. I then called back to find out that another check was not issued. I was then told it can take another 5 business days. I have been getting the run around and they are not releasing the funds that are mine.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (AZ)

I was wrongly charged moving out fees of my old apartment, which resulted the fees going to collections. I have a signed move in sheet that I emailed back to the property management company with clear correspondence that the company received the signed move in sheet. Collections USA is not proofing the debt is owed and has very little supporting evidence other than an itemized charges list. This does not proof I owe the debt. The damages I am being charged for were there when I moved into the apartment, which the move in sheet clearly indicates. The property management company stated they received and never mentioned the sign in sheet again. I am being charged for the same damages I've listed. I tried to work with the Collections USA but XXXX was extremely rude, while stating false legalease and telling me that the burden was not on the debt collector. The burden is on the debt collector to proof the debt is actually mine and provide supporting documentation proofing it. They have no evidence except a " intent to move out '' form which does not state anything about damages nor the conditions of the apartment. I am requesting to have this removed immediately and CollectionsUSA XXXX literally told me " he did not want to help me '' and that he works for the property management company and not for me. I feel like this was a clear violation of XXXX. Unfair and Abusive practices to tell a consumer you will not help them. Not to mention, the false statements being extremely misleading. I have supporting evidence to proof those damages were there prior to my move in, the property company does not. I have a signed in move in sheet with emails showing they received the document properly and acknowledge it.
Consumer complaint received 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

As a long time customer with a record of not saving receipts and stupidly does not check statements every month, i am guessing people inside capital one take advantage and add small fraudulent charges. I think they have been doing this for a few years, starting with a restaurant in a city in the same state and charged me a small amount monthly. I disputed and it was weirdly difficult to stop the monthly charges to a restaurant hours away from a grocery store i bought items at near the same time. I think they got smarter and hid the fraudulent transactions better. I caught on today because of mismatched numbers due to a glitch in their system and an agent lying to me and changing numbers on my account as I looked at it. Whoever in capital one made the fraudulent charges may not live in the united states, because they don't understand the size of a state.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft, Im not sure who is using my information but this is just continuing to happen to me. I reside in XXXX California for majority of my life. Somehow someone has an eviction in my name in Alabama. I have no connection with any account listed. 


I filed out a police report, and an identity theft report. I filed court paperwork as well please help me I have no knowledge of any of these accounts
Consumer complaint received 2023-05-04
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (IL)

I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. account. Also you stated this account is reporting accurately, however, I see multiple discrepancies with my credit report, even after your investigation, so not only did you not provide me with the proper paperwork you lied about the information being correct none of your dates or amount match what you said provided to the other 2 credit bureaus if you continue to report incorrect, unverified and made up information I will be reporting this as I have a right to a correct and credit report I asked in the previous dispute you provided me With the information and I didnt receive anything only false updates on the accounts