davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I returned the lease vehicle to the dealership on XX/XX/18 and received a vehicle return receipt ( attached ). XXXX XXXX did not properly input the return into their internal system resulting in an inaccurate reporting of delinquency on my credit report. I've contacted them numerous times and am being told the error is being corrected and delinquency remarks are being reversed. The company is taking an excess amount of time to correct my report ( more than 60 days ) resulting in penalties to my credit score and open trade lines both being reduced. I believe this is a violation of the FCRA and am at the point of taking legal actions.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (MO)

CONTACTED CREDIT CORP SOLUTIONS THIS MORNING, REQUESTING THE ORIGINAL PURCHASE AGREEMENT FROM THE ORIGINAL CREDITOR ANDCREDIT CORP SOLUTIONS.. WAS TOLD BY A MANAGER THAT THIS INFORMATION IS IMPOSSIBLE TO GET AND THEY ALREADY VERFIED THE DEBT AND THAT NO COLLECTION AGENCY WOULD/COULD FURNISH THE INORMATION THE ORIGINAL PURCHASE AGREEMENT BETWEEN THE CREIDITR AND THE DEB BUYER.. I ADVISED THE 3RD PARTY DEBT BUYING AGENT - THAT VALIDATION OF DEBT ( INFORMATION ABOUT THE DEBT ) AND THE ORIGINAL PURCHASE AGREEMENT ARE TWO SEPARATE THINGS. THE REP BY THE NAME OF XXXX ALSO STATED THIS NEGATIVE REPORTING WILL STAY ON MY CONSUMER REPORT FOR UPTO 7 YEARS. THE INFORMATION BEING REPORTED IS INACCURATE AND ERRONEOUS. IM REIMGING MY CREDIT PROFILE AND THIS INFORMATION IS HARMFUL AND HURTFULTO MY CREDIT REPUTATION.
Consumer complaint received 2024-04-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

There are hard Inquires on my report, cards I do not have, things I don not recognized or thing that I have but are still showing as a inquire and is impacting my credit score.
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had a Bank Of America credit card account for several years and always made my payments on time using their online payment system. XX/XX/2017 I went online to pay the full amount off and instead of using my personal bank to make the payment ( which was the one confirmed in the system ) they used another BOA account I held jointly with an ex which was closed. The system then defaulted to this account and then my reoccurring payments got bounced back as well. They apologized and admitted it was their error. I worked with their tech team to reset up the bill pay and they confirmed they would take what was posted to my credit report off but never did. Then come to find out the system again defaulted to this old card instead of the my personal bank and the situation happened all over again. I sat with a tech person AGAIN and got it set up and payments back up. He apologized and acknowledged it was a fault with their system. Through this whole process they have been charging me late fees and posting to my credit report. I just sat with them on the phone again, for hours, and they said they cant confirm fixing what was posted to my credit report. Now my credit has dropped XXXX all due to their reports when this whole issue is a fault with their online management system.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nations Recovery Center (KY)

OnXX/XX/XXXX, I received a phone call from a man saying his name was XXXX XXXX from Nations Recovery Center. He said there was a judgment against me, and to contact him to set up payments. He tried to say that this was not the first time that he had contacted me, but i have received no letters, no voicemails, and there are no judgments against me showing on my credit report. As far as I know, there was no attempt ever made to contact me about money owed. He said that they were trying to resolve this as privately as possible, but if i didn'r respond, then it would complicate things. To me, this sounds like a threat to release my private information.
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance {$22000.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Creditor's Collection Service, Inc. (GA)

Credit Collection Services Subject : Request for Deletion Letter Following Payment of Debt Dear Sir/Madam, I am writing to express my deep concern regarding the handling of my account by Credit Collection Services . Between XX/XX/year>, and the present, I have been actively trying to resolve an issue regarding an alleged debt that has been negatively impacting my credit report. Despite my efforts, I have encountered significant challenges in obtaining accurate information and securing a deletion letter following the payment of the debt. 

During this period, I have taken several actions in an attempt to rectify this matter. I have sent multiple letters requesting detailed information regarding the debt, including the purchase agreement demonstrating full ownership of the account in question. Additionally, I have diligently contacted your customer support team to seek clarification and resolution. 

Despite my persistent efforts, I have yet to receive satisfactory documentation proving the validity of the debt and confirming my ownership of the account. This has not only caused undue stress and frustration but has also resulted in ongoing damage to my credit score and financial standing.

I must emphasize that the information being reported by Credit Collection Services is both fraudulent and inaccurate. I firmly believe that I am entitled to receive transparent and verifiable evidence supporting the legitimacy of this debt. Without such documentation, I am left questioning the validity of the reported account and its impact on my creditworthiness.

Therefore, I kindly request that Credit Collection Services promptly provide me with the following documents : 1. The original purchase agreement or contract establishing ownership of the account.

2. Any supporting documentation proving the validity of the debt and its accuracy.

3. A detailed breakdown of the amount owed, including any fees, interest, or penalties incurred.

Furthermore, I request that upon receipt of the necessary documentation and confirmation of payment, Credit Collection Services issue a deletion letter to the credit bureaus requesting the removal of any negative reporting associated with this account.

I trust that Credit Collection Services will prioritize this matter and take the necessary steps to resolve it expediently and fairly. I appreciate your prompt attention to this request and look forward to a swift and satisfactory resolution. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit 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: GOLDMAN SACHS BANK USA (NJ)

XX/XX/XXXX I was in hospital with XXXX  I called apple credit card and I was told that it will be removed and honored due to me not being able to work during that month I have been trying to get this removed since then, it isnt fair that we are in XXXX it is still reflecting on my credit report, you seek help from your credit company during XXXX  and assuming they will help, I never since I had the card made any late payments ever, Im disgusted and disappointed that they will not honor the late payment, and I was really late by 4 days. I offered to send my medical records and still nothing I want this taken care of and out of my report this is hindering me from moving forward with anything
Consumer complaint received 2024-07-03
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA (MD)

I paid my Apple Card in full XX/XX/year> and closed the account. There was a {$0.00} balance when I closed it and no additional interest showing at the time. In XX/XX/year>, I received a paper statement from Apple stating that I owed {$7.00} interest from XX/XX/year>. Since I was only able to pay my bill on my phone and once it was closed I lost access to this, I had to XXXX how to regain access to my account. There were no instructions on the statement how to access my account. I reaccessed my closed account and made the {$7.00} payment. I then called Apple and asked why I never received a statement and why I had a balance. They said a statement was sent to the email address on file. However, I have had several complaints with Apple about my email address being invalid and not being able to receive gift cards they were trying to send me. They have told me I couldnt change my email address and so I havent been able to receive communication from them. I was never given proper notice that this balance was due. I have never been late on a bill and now my credit score has dropped XXXX points. Apple should have noted in the file that my email address did not work and allowed me to add an email address that worked. They also should have mailed me a statement to begin with or called me before anything was reported late.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (CA)

I started using XXXX to get a sugar daddy to help pay for financial problems i have already been having. I got in touch with one guy. I cant find his usertag anymore. But I do have the phone number hes been using to communicate with me. He transferred {$8000.00} into my account on XX/XX/2018. Asked me to send {$3500.00} to one of his other sugar babies, then {$3000.00} toanother. I thought nothing of it. The remaining {$1500.00} was to be for me. However the check bounced after it went through and now Im unable to access my account. Including my own paychecks. My bank is Navy Federal. Im unsure what to do ...
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (NY)

American Express baited and switched me on a welcome offer for opening up a business checking account. 

I am am American Express ( Amex ) credit card holder, holding many personal and business credit cards, and have been a customer with Amex for over XXXX years. 

In XX/XX/year>, when I was logged into my Amex credit card account, there was a targetted offer ( attached ) that said if I applied for a business checking account and met deposit/transaction requirements, I would receive XXXX Amex reward points ( worth ~ {$1400.00} based on Internet valuation ). See proof XXXX file. 

I applied through the link, got approved for an account and made the requisite deposits/transactions. See proof XXXX file. 

However, when I noticed shortly after that the Amex business checking website indicated I had welcome offer of only XXXX, with lower requirements ( so less than half of what was promised ). See proof XXXX. 

I reached out to Amex multiple times to try to resolve it, and they claimed that I was never eligible for the XXXX bonus, despite my sending them the screenshot, and indicate there is nothing they can do. 

Given I have documented the welcome offer, their unwillingness to rectify or even address whatever glitched caused the issue, is very concerning. They indicated a complaint was submitted on my behalf for what is at worst bait and switch and at best a system glitch on their part, and they said there would be no follow-up to me.
Consumer complaint received 2024-07-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I had entered into a contract in my home to pay for my XXXX unit. It was a no interest XXXX equal payments loan with XXXX in XX/XX/XXXX. I paid the XXXX payments and never went 30 days but apparently they charged me late fees. Now Im finished and they want me to pay the XX/XX/XXXXmonthly even after I paid the XXXX equal. They also stated they will now charge late charge on the remaining late charges. Please let me know if Im being taking advantage of.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AZ)

I deposited my check on the Chime mobile banking app on XX/XX/XXXX. Its now XX/XX/XXXX, and I still have no access to any of my funds. This has been extremely stressful as I rely on my checks for a majority of my bills and spending. They only send an automated message, no one actually tries to fix the problem. I see multiple people experiencing the same thing, and its the same. This is by far the worst app I have ever used and I wish I never downloaded it
Consumer complaint received 2015-07-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

I recently filed a complaint against Nationstar on XXXX/XXXX/15 due to not being able to reach anyone in their customer service department or the department that handles loan remodifications after submitting my documents as requested. I have made over 20 calls to this company and have not had one call returned to me in reference to the status of my loan remodification. The one call I received last week was in reference to the first complaint that I filed and the lady told me the person handling my modification would be calling me and she never did. In addition, they claimed I did n't not submit a signed copy of page XXXX of my tax return which I did and it is included in the initial complaint. Had the lady not called me back in reference to this CFPB complaint I would not have known that alleged additional documentation was needed since no one is calling me or giving me a status of my account because they are not answering their phones. After I put in my ssn # and my zip code the phone rings or it sounds like it is being transferred and the line goes silent. No one picks up. How is this legal? I do believe this company is trying to have me default on my mortgage so they can steal my house. I am trying everything I can but I can not drive from NC to wherever they are to get customer service. I am going to file complaints with every federal bureau I know because right now I think nationstar is a scam. This is all a rouse to dupe people out of me out of my home even when I am trying everything I can to save it. Someone named XXXX XXXX is supposed to be handling my loan. She was also supposed to call. Again, I called XXXX and XXXX the past Friday and today about 10 times and ca n't get someone on the phone. They are supposed to be open from XXXX CT. Please help!!! I am going to contact every federal bureau I know to expose this company for what they are. Again, I have called every number for the last 3 weeks and not once was able to reach a representative. I have made over 20 calls. This is ridiculous!
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-10-31
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. (MD)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

My account was opened on XX/XX/2020. I received a letter from Chase dated XX/XX/XXXX stating that they had decided, because " continuing the relationship creates possible reputational risk to our company. '' They said the account would be closed on XX/XX/2020 and that I should get my affairs in order. 

When I called to find out what the issue was, I was told that they were not obligated to give me a reason. 

There were no late payments, no suspect charges or any excess charges, which leads me to believe that I am a victim of a violation of the Federal Equal Credit Opportunity Act.
Consumer complaint received 2024-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

on XX/XX/year> I was awarded XXXX XXXX XXXXXXXX XXXX  and issued a check by the Federal Reserve for the amount of {$46000.00}. I received this check and attempted to open a bank account with Citizens Bank. I was unable to open an account there initially, as I did not have valid photo identification that was not expired. It took approx. a month to gather documents and get my license. On XX/XX/XXXX, I was finally able to open an account with Citizen Bank. I was strongly encouraged to set up Direct Deposit with Social Security as well, which I did. I deposited my Federal Reserve issued check of {$46000.00} for which I have a receipt. I was told that I would a ) see my funds by the end of that week, or the beginning of next, the dates being XX/XX/XXXX and XX/XX/XXXX respectively, and b ) that {$220.00} would be released the following day, XX/XX/XXXX. I did see the {$220.00} released, and spent it accordingly. After checking my app every day and seeing no activity, on Wednesday, XX/XX/XXXX I called the Corporate Headquarters for Citizens Bank and spoke to a woman named XXXX. She was unable to help, in spite of trying extremely hard, and was only able to tell me the check was being verified. The next day, XX/XX/XXXX, I saw an overdraft fee for {$220.00}. I went into the bank branch, and spoke to the Branch Manager, XXXX XXXX, and my personal banker, XXXX XXXX XXXX. I explained that I had spoken to corporate and could get no answers. After waiting in the lobby while they made mysterious phone calls I was not privy to, I was told again, it's being verified. They would give no more information, except that they were told my funds would not be released until XX/XX/year>. I was also told that my overdraft fees would be waived. Upon returning home, I found a letter from Citizen 's bank dated XX/XX/year>, indicating there is a delay in releasing my funds because " the issuing bank did not verify funds '' and that it would then be released on XX/XX/XXXX, the date I received the letter. The following morning I called the Federal Reserve and was told that they had released the funds, totaling {$46000.00} on XX/XX/XXXX, the date the letter was sent. I went into the bank again, and XXXX again told me it is being verified. Today, XX/XX/XXXX, I discovered my XXXX 's Social Security direct deposit has not only arrived but been cleared- while my initial check STILL has not. They have stolen my money and I want it back.
Consumer complaint received 2024-06-27
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NM)

I did have an autopay with XXXX XXXX XXXX XXXX, but at the same time I setup an autopay with XXXX XXXX ... when we canceled our XXXX account, we immediately switched to the XXXX XXXX account..this has been fine until this month when THEY reverted back to the now deleted XXXX account... I have tried numerous phone numbers and chats and have been unable to make them understand,,, and now there are more fees today from a returned check that I know nothing about. I have pleded with them to let me talk to a representative but to know avail.