davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-05
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: General Motors Financial Company, Inc. (MI)

I leased a car through GM financial. I set up auto pay like I have done in the past previously to " set it and forget it '' and not have to worry about payments during the lease. It worked perfectly until the very last payment on the lease. I must have missed the fine print that said that the last payment could not be made automatically. So despite having the money in my account the auto payment system did not perform the last payment. GM financial says they reached out to me to inform me of the late payment, however the emails they sent were classified as spam so got sent to a spam folder and the phone calls were sent from non caller ID numbers. I would answer the phone calls say hello and recieve no response on the other end so I assumed it was a robo spam call and hung up. So I was never informed of this missing payment until I went to go turn the car in or buy it out at the dealership weeks later. I paid the last payment in full as soon as I was made aware. I have tried calling into gm financial support about the issue already 3 times and got different explanations each time. I am hoping this 30 day late payment on my report can be overturned as I feel it is not accurate.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft.I found numerous accounts on my credit report that was not open. This has been hurting me as I am in the process of buying a home for my family.
Consumer complaint received 2023-03-10
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: SYNCHRONY FINANCIAL (OH)

SYNCB AMAZON XXXX shows up as a hard inquiry on my credit report. I never authorized or applied for a cried card or loan from the. On XX/XX/2023 I called XXXX. I was unable to get past the automatic phone service to speak to a live representative to resolve this.
Consumer complaint received 2023-09-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. BK OF AMER XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

The short story : on XX/XX/XXXX, XXXX.My daughter was a victim of identity theft on our joint account. A man approached her saying his phone was dead and asked if he could use hers to call his dad so his dad could call him an XXXX. While he had her phone, he went into her XXXX account and transferred {$3000.00} out of her account. There is a full detailed account of the transaction in the Police report ( Page 5 ) so I won't recount it here. 

We filed a police report ( attached ). We also filed a claim to Bank of America ( BOA ). We received a letter from BOA on XX/XX/XXXX from BOA said that because the transfer came from her phone, which had been used in valid XXXX transactions before, they would not reimburse. 

On XX/XX/XXXX, I disputed their decision citing that the Electronic Transfer Act protects people when funds are taken out of her account without their permission or authorization. Her phone was taken under false pretense and she did not authorize the {$3000.00} in any way. 

On XX/XX/XXXX they rejected the claim for the same reason stated earlier. 

In XXXX we asked them to send us their backup documentation for the rejection. We received that on XX/XX/XXXX. 

I don't believe that further escalating to BOA will be useful. Throughout the process it's very clear that they don't want to make this an easy process. If I call at XXXX XXXX  sharp ( when they open ) I am generally on hold for an hour. If I call at any other time of the day it's 2+ hours. The number they provide on the rejection letter connects be to a general switchboard so I always have to get transferred to " Fraud Division '' and go on hold again. The only way I could dispute was via fax, but there was no fax number on the rejection mail. I had to go through the call process to discover the dispute process. It's clear they want to make this difficult so that people give up. I have $ 300K+ in BOA account and have been a member for 20 years, so I don't have any reason to try and get {$3000.00} out of them. 

I have attached the police report, the first BOA rejection letter, our dispute that we faxed over, the 2nd BOA rejection letter, and the backup document they send us.
Consumer complaint received 2023-05-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Collins Asset Group, LLC (TX)

This debt is beyond the statute of limitations as it has been 4 years since they began demanding the full balance on the debt. They are threatening a lawsuit against me. Furthermore, they know I have counsel on this matter and they continue to contact me directly after receiving written notice I have an attorney. 

My attorney 's name is XXXX XXXX with the XXXX. XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX her email is XXXX : XXXX. Please note I disputed the validity of the debt via my counsel and no response was ever received by the Collins Asset group. Any responses to this complaint should be directed at my counsel. 




Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-09-27
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: EQUIFAX, INC. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts 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 unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX  Balance : {$13000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2023-02-26
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. (GA)

Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX to report fraud
Consumer complaint received 2023-10-26
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: EQUIFAX, INC. (NY)

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection check please 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

As per XXXX a dept of education servicer the XXXX loan was forgiven on XX/XX/XXXX. But did not get reported to the credit bureaus until XX/XX/XXXX. Someone needs to pay me {$1000.00} per month from each credit bureaus. Not reporting on time correct information. This has caused emotional stress and embarrassment. Per the United States code 15 USC 1681.
Consumer complaint received 2023-05-05
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. (TX)

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

XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XXXX I had two transactions come through my account that required my overdraft protection to be used. The money was transferred and items were paid. The next day I got an email that I would be getting two overdraft fees for these items despite the fact that they were paid.

Their overdraft protection policy is that no fee is assessed when it is used to cover transactions as you will be charged interest for the amount used.

I was assessed 2 fees and reached out for an explanation which did not make sense. I asked for further explanation and continue to wait. I do believe that this bank is charging consumers unnecessary fees to inflate their revenue.
Consumer complaint received 2024-03-15
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. (TN)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2023-04-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NVR INC. (IL)

2 Business days prior to close, XXXX. I was inform by voicemail and email that my closing was cancelled due to underwriting delaying my approval because of my occupation as a XXXX XXXX XXXX. My XXXX XXXX located XXXX Wisconsin for the last10yrs. I inform my loan office ( XXXX XXXX ) when I applied for my loan, that I was a XXXX XXXX XXXX. Subsequently, my loan was pass to others ( XXXX XXXX ) and ( XXXX XXXX ) and currently with ( XXXX XXXX ). All was aware of my occupation. I was uninformed that FHA Rule stating you have to live and work within 100 miles of your new home. I was instructed to quit my current job and move to Illinois to qualify for a FHA loan approval. I have been working with this company for the pass 2 yrs in hope to have the American Dream of owning a home.
Consumer complaint received 2023-05-05
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. (VA)

I called on XXXX XXXX XXXX XXXX XXXX XXXX in order to get confirmation from them that the account was closed because it's was opened fraudulently due to identity theft. I told them that it was opened when I was a minor, but was told they couldn't close it because it was already paid off & that there's no way I could prove I didn't open the account myself even after I told them it was opened when I was a minor multiple times.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I have been a customer of MoneyGram for more than XXXX and on XX/XX/XXXX of 2023 I sent money to my Mother for medical needs via MoneyGram and this type transaction normally take about 5minutes for the receiver to obtain their money but today is XX/XX/XXXX of 2023 and the receiver ( XXXX XXXX XXXX XXXX ) still has not obtain the money ( {$2000.00} ). 
I called MoneyGram and they have not gave me a solution to this issue. 

I have been working really hard to save that money and send it to my mother because she needs it for medical expenses. 

I need my money back so i can send it another way because she needs it.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According to the fair reporting act everything must be reported 100 % accurate to the credit bureau. the credit bureau stated that my account was properly investigated. Based on the recent credit reporting my the date of last activity, last report date, open date and last payment date is incorrect. account number XXXX XXXX XXXX
Consumer complaint received 2023-09-02
Product: Debt or credit management — Student loan debt relief
Issue: Confusing or missing disclosures — 
Company: MOHELA (CA)

XX/XX/XXXX XXXX  : payment made for principal {$2000.00} XX/XX/XXXX : payment made for principal {$2500.00} XXXXXXXX  : student loan freeze. 
. 
. 
. 
XX/XX/XXXX : loan agency wants me to pay interest over the freeze period even though I have been paying down my principal or at least trying.
Consumer complaint received 2023-05-05
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. (MD)

I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when TransUnion, XXXX, and XXXX are reporting different dates of last activity XXXX and XX/XX/XXXX. Also, the account was included in bankruptcy, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? 

I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. 

It does not meet the fair Credit reporting act regulations. 
I feel that this account is affecting my credit report
Consumer complaint received 2023-05-23
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. (GA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-01
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: CITIBANK, N.A. (SC)

On XX/XX/23 I attempted through automatic withdrawal through my bank to pay the balance due on my Costco Citibank credit card. In error, instead of entering {$110.00}, I entered {$10000.00}. Once entered, I saw my error and attempted to correct it by hitting ESC. It appeared to have worked. I then reentered the balance due payment as {$110.00}, the correct amount. 
On XX/XX/23 I attempted to withdraw {$100.00} from my XXXX XXXX XXXX ATM but could not. When I inquired at the bank, I was told my account was overdrawn. Citibank had received both the correct balance due of {$110.00} and the erroneous {$10000.00}. My bank, XXXX XXXX XXXX reversed the incorrect transaction due to insufficient funds in my account. At that point my balance due on the Costco Citibank Visa was XXXX. 
On XX/XX/23 though I owed them nothing, Citibank resubmitted the incorrect transaction, which was honored due to my XXXX XXXX and other deposits having been received. This payment to Citibank left me with {$5.00} in. my account. When contacted, Citibank at first said they would issue a credit to my credit account. When I objected they said a check would be issued but would take XXXX business days. I was penniless and had to borrow from friends to buy food and pay bills. XXXX XXXX XXXX issued overdraft charges each time an automatic withdrawal came in. 
On XX/XX/23 I received a check from XXXX for {$9700.00} backdated to XX/XX/23 Citibank had deducted {$240.00} to cover charges made after the statement date and not yet due. I am a XXXX XXXX living on XXXX XXXX and a small pension. I was penniless. I had no money to pay any bills or even buy food while Citibank held my money not owed to them to earn interest for its bottom line.
Consumer complaint received 2023-07-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

the information you are providing to the consumer reporting agencies is inaccurate and incorrect. 
This erroneous reporting has had a significant negative impact on my character, reputation, overall lifestyle, and ability to secure credit for personal and housing needs. 
Your inaccurate reporting has caused substantial harm to my livelihood.
Consumer complaint received 2023-08-17
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)

I have made multiple attempts with this Fraudulent Company as well as the Credit Agency to REMOVE INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I am awaiting an Answer to the 3rd Request from the Credit Agencies and XXXX regarding a specific account. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Specifically XXXX XXXX XXXX XXXX REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened AS XX/XX/XXXX TRANSUNION REPORTS LAST ACTIVE DATE AS XX/XX/XXXX Date Opened XX/XX/XXXX XXXX XXXX AND TRANSUNION STILL HAVE NOT DELETED THIS FRAUDULENT ACCOUNT AND ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms 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 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. I HAVE DISPUTED THE FACTS MANY TIMES AS EVIDENCED BY THE INCONSISTENT NOTES THERE IN ON THE ACCOUNT. XXXX AND TRANSUNION still report the INACCURATE INFORMATION. As well as they violate the entire PRIVACY ACT OF 1974 AS per XX/XX/XXXX Consumer Reports still show this account with Updated Misinformation! STILL DOES NOT MATCH AND IS TO BE DELETED.
Consumer complaint received 2024-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank provides a mechanism to request account closure via their XXXX XXXX online feature. 

Using this mechanism I requested and received account closures for joint checking account XXXX ( which XXXX had earlier restricted and made unusable on XX/XX/XXXX for no reason whatsoever ), as well as for my Savings account XXXX. 

Likewise, on XX/XX/XXXX at XXXX XXXX, I requested closure of my last remaining and no-longer-used checking account XXXX. I made clear to Chase Bank within my online request to close this unused account with a XXXX balance, that I was ceasing my business relationship with Chase Bank due to an egregiously unsatisfactory level of customer service. 

Chase Bank has categorically refused to close this account per my request on XX/XX/XXXX, as well as categorically refusing to close this account after my subsequent requests in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Chase Bank has oddly stated, after each of my individual request to close the account, that the account was pending closure- without actually closing the account. 

Upon information and belief, Chase Bank hopes to retain my banking business against my will by refusing to close this account, with hopes that I will use the account again at some point. 

I request assistance of the XXXX to coerce Chase Bank to close my checking account, Its worth mentioning that this is the XXXX complaint that I have had to make against Chase Bank in the month of XX/XX/XXXX. While each of these XXXX complaints have addressed different issues, they both address the common issue of adamant defiance by Chase Bank to provide the smallest amount of satisfactory service.