davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-02
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had to go into bank of America 3 times to verify and they still froze my account and canceled my card. I had to wait 7 days for the new card and I was able to use it 1 time then they froze it again. Even though I responded to the text message verified it was me and received a text message saying my card was good to go again it still won't work. They are going to make me come in and verify again and probably order a new card. There is no reason for this I'm not doing anything suspicious. They just want to keep my money from me. I'm homeless and had a place to rent set up. They canceled my card and I lost the place. Someone else rented it and I'm still on the streets freezing, wet and hungry.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXXXXXX XXXX XXXXXXXX XXXX XXXX iis purposely trying to cause harm to my credit scores XXXX XXXX is reporting XXXX credit bureaus XXXX XXXX TransUnion and. Sold my name to. Others Collectors agencies names, XXXX XXXX, XXXXXXXX XXXX XXXX also others WhomAlso requested same. Exact money. That XXXX XXXX  is requesting .and not owed. Which had turned into Fraudulent activity by different companies requesting money not XXXXXXXX XXXX XXXX XXXX  other. corporations. My attorneys from XXXX XXXX XXXX disputes with credit bureaus companies and requested. Others information. Such as dates payments. And names on the Account. XXXXXXXX XXXX XXXX Haven't provided these on going verification iin 6 months ex. attached. Documents Below And lettter resently sent from XXXX XXXX asking for money with bill included different Names such as XXXX XXXX XXXX which is not my name On the Bill below
Consumer complaint received 2024-02-02
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dovenmuehle Mortgage, Inc. (DC)

I have a mortgage with XXXX XXXX XXXX  but the payment processor is Dovenmuehle Mortgage ( with whom I am disputing ). I have never been late on a payment, however in XXXXXXXX XXXX XXXX I was laid off. I requested forbearance and was approved for 6 months between XXXX and XXXX with payments resuming in XXXX. Still with being laid off I maintained my mortgage payments up until my forbearance began and was never late. When XXXX came I made my normal mortgage payment of over {$2900.00} and the rest of the balance that had accumulated over the course of the forbearance was approved for deferral to be paid at the end of my mortgage 's maturity. My deferral agreement states I was never late and did not owe any late fees. Also my forbearance agreement that I signed did not specify that I would be reported negatively to the credit bureaus while in forbearance. Depsite the forementioned I was reported more than 120 days past due on my mortgage for late payments during the time I was in forbearance ( from XX/XX/year> to XX/XX/year> ). This has ruined my credit and has cost me personal and business opportunities. I tried to work it out with the company and was actually successful. They updated my credit report and my credit was repaired. However, it was reported negative again and now they are unwilling to remove the negative remark again. I know they can use their discretion to decide who to report and who not to and I believe I am being targeted. I feel vulnerable and distrusting as a XXXX XXXX  living in a XXXX  area under this mortgage company with the history of mortgage companies unfairly treating people like me. I have never lapsed in my mortgage payments and have maintained a responsible relationship with the company since initiating the loan. I believe this remark on my credit report is unfair and inaccurate as they have already corrected it and are now incorrectly reporting it negative again. I have documentation where they have given me different and inconsistent reasons for marking me negative which again lends me to believe I am being targeted due to my race and where I live. I believe a breach of contract has happened ( violating signed forbearance agreement ) and a violation of fair debt collection practices.
Consumer complaint received 2023-04-21
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: ERC (CA)

I checked my credit report and I see this has been charging fees which I never authorized and this was originally paid to the creditors including dates of last activity, dates opened, dates reported, and payment status. ENHANCED RECOVERY claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Consumer complaint received 2024-02-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Yesterday I receive a letter via registered mail that all of my accounts with Charles Schwab will be closed on XX/XX/XXXX. No explanation beyond " Based on the terms of the applicable account agreement ( s ). My accounts include a brokerage, IRA, and checking accounts. I've been a client of Charles Schwab Since XXXX. 
In XXXX of XXXX I inquired about converting my checking account from a personal account to a joint account. I was provided forms to fill out, which I promptly did. I was informed a while later that other forms were needed, which I also filled out. Again, I was told that more information was required. Over the next several months I spent countless hours trying to work with Charles Schwab to make this simple administrative change, but was continuously confronted with road blocks. I made comments to the absurdity of the process, but did so in a constructive, intelligent manner, with no use of profanity or personal insults. I provide this background it is the only possible explanation for the letter I received, and the turmoil created by this order.

I've made calls in the last 24 hours in an attempt to get an explanation for this situation. I have only been told that it was a " business decision ''. People on the phone have been understanding and apologetic, but unwilling/unable to provide any context or explanation for the decision. 
I am nearing retirement, and this decision is creating a great deal of stress as I will need to quickly find an alternative home for both my investments and personal banking.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

My XXXX XXXX XXXX  account was closed due to a false report from the XXXX driver company. XXXXXXXX XXXX XXXX has been holding my funds hostage. They claimed they would send a check for my remaining funds but never have. Its been over a week at this point. My XXXX XXXX XXXX  account is linked to my XXXX driver account. This is where my earnings go directly. 

Context : XXXX shut down my XXXX driver account within 24 hrs of me renting through the XXXX XXXXXXXX XXXX. This program allows XXXX drivers to rent a XXXX through the XXXX XXXX XXXX. The company has stipulations. You must complete at least 30 trips within the week, and you get charged on a weekly bases. As I mentioned earlier, XXXX shut off access to my XXXX driver account within 24 hrs of me receiving the rental that I paid. They said that they were doing a safety investigation. This so called investigation happened to last a week and be over the day after I had to return the rental. My XXXX account is now active. XXXX scammed me as well as other people. So in a nutshell, XXXX conspired to shut down my account, use their power to shut down my bank account, then XXXX fraudulently charged, then fraudulently overcharged me. I have evidence for everything. 


To explain the XXXX charges : *To clarify the following explains the fraudulent charges charged to my XXXXXXXX XXXX account after it was closed for no reason and in a discriminatory fashion. I called the bank and found out that my remains balance wont be sent to me ( as they said ) because XXXX overdrafted my account after it was closed. 

These are fraudulent charges. XXXX did not give me the XXXX at XXXX percent full, it wasn't even half of that. 
They charged me for an extra day, when I returned it the same day. The employee that handed me the keys told me it doesnt matter what time its returned that day because the car was given to me hours after my reservation time. He is recorded saying this. 
The cleaning fee is fraudulent. I took pictures of the interior and exterior. 
The XXXX rental itself is fraudulent. XXXX shut down my XXXX account within 24 hrs of my XXXX XXXX XXXX  ( 1 week reservation ). 
Ive added phot evidence of the charges
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (MD)

Received unsolicited mail offering pre-approved visa card from XXXX. 
Called the number to opt out. Call prompter system required I input my social security number. There was no option to take to a representative. In the fine print on the back of the offer, that number was the same as listed for XXXX, They also listed several credit rating services.without phone numbers and only addresses or XXXX XXXX XXXX. 

I called multiple numbers on the flyer. No one could take action, Was transferred to customer service who would only help me if I had their credit card. Classic Catch 22 situation.

This is an identity theft concern. We should never be asked for our social security numbers in order to prevent an action, I'm not even sure this is a legit offer from VisaXXXX XXXX Maybe just a scam to get people 's private info to use for other, not legal purposes. 

I don't want these mailers. 
I don't wish to give them my private information, I am concerned that many consumers XXXX blindly give up their critical private information and experience harm as a result. 

Even if this is a legit offer, it is not acceptable that they direct you to phone numbers soliciting this private information. 

Something is not right and I can not find a way to stop or prevent it in future unless I am willing to write multiple letters to multiple credit bureaus - and I don't know that would even be productive.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MS)

URGENT :!! Opportunity to Cure NOTICE!! Re complaint ( XXXX ) Experian failed to prove their investigation as valid and complete. PLEASE PROVIDE ME WITH the name, agent number and position of the representative for the vendor who alleges to Verify AND VALIDATE the debt, And to provide everything in writing involving the communications between both parties, including all information of the of the creditor and access code used for that extension of credit! The Credit Reporting Company failed to report fairly and accurately. If they would like to remedy this issues they would need to remove both XXXX XXXX and XXXX from my Consumer Credit Report. Although I provided sufficient proof of the intent to Opt Out to those corporations, sent to ( Vendors ) exhausting the full administrative process. The Accounts were removed from other consumer credit reports like XXXX, etc. Proof of this claim was also submitted in the aforementioned complaint. However they have yet to be removed from Experian 's report. So I Reach out to Experian Personally the " Credit Reporting agency '' to inform them that they are " receiving information under false pretenses '' From XXXX XXXX and XXXX and to remove those accounts because they do not have my consent. In accordance with my Privacy right as emphasized in ( Regulation P ) the right to Opt OUT is not a debate. I reached out to Experian so that they may remove those accounts off the consumer credit report and remain in honor. It was quite shocking to see the reporting agency not fail to provide an adequate search in such an extensive amount of time but to also not remedy the account upon proof of claim. Instead the Corporation seems to be in favoritism of one party. To aid and embed that company in violation of consumer rights may unfortunately result in RICO charges and civil money penalties for Experian and its representatives. If this was caused by a mechanical or Inadvertent error by Experian then please remedy the matter as soon as possible since Experian has already used its 60day chance to cure. I will allow ( 5 ) BUSINESS DAYS FOR THIS TASK TO BE COMPLETE. If this task can not be completed please respond in writing of the reasons as to why Experian refuses to honor my claim. If in the ( 5 ) business days Experian does not respond I will assume that the performance was completed.
Consumer complaint received 2023-02-16
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. (NV)

I did not authorize this company to do any hard credit inquiries. I have nothing to do with them or did not apply for anything in the past 60 days with any company.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Adler Wallach & Associates, Inc. (CA)

THE AWA COLLECTION AND XXXX  XXXX  ILLEGAL COLLECTIONS REPORTED A FALSE BANKRUPTCY IN XXXX I FILED BANKRUPTCY IN XXXX AND HONORABLY DISCHARGED XX/XX/XXXX THESE AGGRAVATED FALSE REPORTS FROM THE 3 CREDIT BUREAU 'S ARE DAMAGING MY LIFE FINANCIALLY PERSONALLY AND EMOTIONALLY. 

ALL RECORDS AND SCAMS REQUESRS FROM TRIPLE AAA AND XXXX XXXX WERE DISCHARGED THE BANKRUPTCY NEED TO BE REMOVED IMMEDIATELY ENTIRELY BECAUSE IT'S BEEN 10 YEARS SINCE XXXX AND THEY REPORTED A BANKRUPTCY IN XXXX THIS IS SLABDEROUS IS DESTROYING MY FINANCIAL LIFE AND IS FEDERALLY ILLEGAL TO REPORT FALSE STATEMENT in my ALL CREDIT BUREAU 'S I FAXES THE FILING XX/XX/XXXX AND DISCHARGED HONORABLY IN FEDERAL COURT RECORDS PROVIDED XX/XX/XXXX IN ADDITION ARE AT LEAST XXXX XXXX UNATHORIZED INQUIRIES THAT NEED TO BE IMMEDIATELY RE.OVED BECAUSE REQUESTED ILLEGALLY AND SO GOES FOR AT LEAST 12 COMPANY INQUIRIES NEVER AUTHORIZED NEED TO BE IMMEDIATELY REMOVED WITHIN 72 HOURS FROM TODAY XX/XX/XXXX THESE ARE DEROGATORIES FALSE REPORTS AND THE MAJOR CREDIT BUREAU 'S reported THEM WITHOUT CHECKING FIRST??? WHAT KIND OF DIRTY BUSINESS ARE INDEED CONDUCTING??? I DEMAND TO HAVE EVERYTHING REMOVED WITHIN 72 HOURS AS PER CALIFORNIA STATE AND FEDERAL REGULATIONS
Consumer complaint received 2020-09-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: M&T BANK CORPORATION (NJ)

I had 3 savings accounts with M & T Bank. On XX/XX/2020 I had all the funds of the accounts transferred to another financial institution. The interest earned on the accounts from XX/XX/2020 to XX/XX/2020 and posted on XX/XX/2020 was : Account 1 - {$.00} Account 2 - {$.00} Account 3 - {$.00} Total {$.00} Instead of closing the accounts and sending me a check for XXXX cents, the bank charged me {$45.00} in fees for Account 1 ( {$30.00} ) and Account 2 ( {$15.00} ) - Account 3 was not charged bank fees but remains open with a {$.00} balance. I have written the bank twice - once in early XX/XX/2020 after seeing the {$45.00} of bank charges on the XX/XX/2020 electronic bank statements, and then in XX/XX/2020 after not receiving any response from the Bank in regards to the requests in my XXXX correspondence - specifically asking M & T to rectify the situation by reversing the fees, sending me the accrued interest and closing all the 3 accounts. M & T has not responded to my request ( positive or negative ) but recently sent me month-end XXXX Statements which indicates that M & T has credited Account 1 & Account 2 ( total of  {$44.00} ) for the difference between the inappropriate fees ( total of {$45.00} ) they previously charged my accounts and the interest earned ( {$.00} ) from XX/XX/XXXX to XX/XX/XXXX, resulting in XXXX balances for Account 1 and Account 2.The troubling part is they call the credits " Collection Account Fee, '' which has me very concerned they may be  attempting to inappropriately soil my credit record due to their incompetence. In addition, they continue to ignore my request to close Account 3 with a remaining balance of {$.00}. Since the bank will not communicate directly with me and it appears they do whatever they want to do, I have no choice but to lodge a complaint.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute some inaccurate information I have discovered on my credit report. The items I believe to be incorrect are listed below. I am also including a copy of the Deleted item after XXXX did the same investigation. XXXX  XXXX XXXX : XXXX  Reference Number : XXXX In compliance with the Fair Credit Reporting Agency ( FCRA ), I request that you investigate this matter and update my credit report accordingly. If your investigation validates the listing, please provide me with an explanation. if the procedure you used to validate the listing within 15 business days of your completion of the investigation, as per the FCRA. I also request that you send me a copy of the information you gathered as a result of the investigation. If your investigation shows this listing to be erroneous, please update my credit report and send me a copy of my updated credit report.
Consumer complaint received 2023-04-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (IL)

XX/XX/2023 I purchased my vehicle and resolved all payments on the loan. Since that date I have repeatedly requested a vehicle title document to complete the purchase and per my legal obligation for sole ownership. Chase Auto has failed to deliver the document for months with continual lack of detail or any reasonable explaination. I have been in contact with various representatives on a weekly basis requesting updates, timing, estimated delivery of this document. Chase seems to have either lost the document or is refusing to deliver it preventing my from selling the vehicle as I desire and costing my potential buyers. I am now also required to renew my vehicle registration in the state of Illinois for a vehicle that I had planned to sell months ago. I have zero faith in Chase Auto to resolve this matter and I am reaching out for consumer protection in desperation to simply receive the title document.
Consumer complaint received 2022-11-14
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. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have a credit card account with Bank of America. I don't use that account and keep it as a backup in case of need. My primary credit card account is also with the same bank. I also have several other credit accounts with different financial institutions. 

In XXXX XXXX XXXX I had to use that credit card for a small payment of {$10.00} in a hardware store because my primary card didn't work due to a glitch in the card processing system. 
At the time, I had auto payment set up for all of my credit accounts except those XXXX from Bank of America, because there was a technical issue which prevented me to set it up in the past. 
Because I almost never use the credit card, I completely forgot about it. I've had balance notifications set up but for some reason those for the account went to my spam folder. Because I was very busy, I went out of state and then my entire family got sick for a couple of weeks, I didn't really thought about even visiting my internet banking. 
Later I was notified by a credit bureau that my credit score dropped significantly from around XXXX to under XXXX. I immediately contacted the bank and paid the late payment, which climbed to {$12.00} after adding some late fee and interest rate. This was my first late payment ever.

I admit it was my fault that I didn't pay the payment on time, however the bank is partially to blame : - I was not able to set up the auto payment before the incident. Only after that and after we spend XXXX minutes in the bank trying to set it up, they later called me and helped me to resolve it over the phone. Still the way we did it was not very straightforward.

- They failed to notify me about be late on the payment. When I confronted them with that they said it's not their obligation.

I tried to ask them to do me a favor - as I did over the years when they made mistakes, and because I think I'm their pretty good client with accounts with a big cashflow - and remove that from my credit report after I paid those {$12.00} of debt, but they refused to do so and said it was completely my fault.