davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-21
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. (TX)

I disputed on XX/XX/XXXX a late payment that is currently listed on my TransUnion credit report, They reply was " Not Specified ". I believe this disputed this information with the agency was not properly investigated. The information remains on my credit report and continues to negatively impact my credit score. The late payment in question appears on my credit report under my name. The payment was due on XX/XX/XXXX and I made the payment in full on XX/XX/XXXX. However, it was reported as being more than 30 days late. I believe this information is inaccurate and unfairly reflects on my creditworthiness. The continued listing of this late payment despite previous investigation suggests that Their procedures have not been adequate in this case. I have attached any relevant documentation that supports my claim. Such my bank statement of full payment in time to XXXX XXXX
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (MI)

I just switched insurance companies, and was looking at my driving history. On my CLUE by LexisNexis report, it shows that I made a claim onXX/XX/2023 for glass replacement. 

This is incorrect. No claim was ever made. I looked into what my glass deductible was, if I were to want to make a claim, but the deductible cost more than paying out of pocket to replace the windshield. Nothing was ever submitted, and this false claim is increasing my auto insurance premiums. This needs to be deleted from my record, as well as my husbands ( XXXX XXXX ) record.
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: TD BANK US HOLDING COMPANY (CA)

I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : 1. XXXX XXXX XXXX on XXXXXXXX  2. XXXX XXXX on XXXX/XXXX 3. XXXX XXXX XXXX on XXXX/XXXX 4. TD RETAIL CARD SERVICE on XXXXXXXX 5. XXXX XXXX XXXX XXXX XXXXXXXX 6. XXXX XXXX XXXX XXXX XXXX on XXXXXXXX A charge card account was actually approved by the TDRCSXXXX XXXX TD RETAIL CARD SERVICE XXXX on XXXX/XXXX/XXXX and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted TDRCS to request the account be cancelled.
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2023, I learned that my Chase credit card had been denied. I called customer service and they told me that they couldn't tell me anything over the phone. I went to a Chase branch to speak to a banker in person. I learned that Chase had decided to throw me out as a customer for all of my accounts. They could not tell me why and there was no appeal and I was barred from doing any business with Chase for life. I was told that my checking account would be closed within a week or two. I moved all of my cash from savings and brokerage accounts into my checking account that evening. 

On XX/XX/2023, I created an account with XXXX XXXX and wrote a personal check to close out my checking account. On XX/XX/2023, I received a phone call from XXXX XXXX ( while at work ) notifying me that my check was denied by Chase. On the morning of XX/XX/2023, I went to my local Chase branch and learned that in spite of what I had been told in person on XX/XX/XXXX, Chase had in fact closed my checking account on XX/XX/XXXX. The local branch manager was able to override the closure in order to issue me a cashier 's check to close out my account. I then immediately deposited that cashier 's check into my XXXX XXXX account and this time it cleared. However, XXXX ended up charging me a {$12.00} fee for a returned check. 

I searched the internet and they listed activities that may lead to a bank removing someone as a customer, but I had done none of the things listed. It turns out that the XXXX XXXX XXXX did an article about this detailing banks removing hundreds of thousands of customers. See : XXXX XXXX XXXX Although the article used the term " banks '', the only example given in this article was a Chase customer. 

To be fair to Chase, they claimed that they had sent me a warning letter on XX/XX/XXXX. I never received it and since my local post office sends me email each morning with a list of mail to be delivered that day, I checked and up to XX/XX/XXXX there was no mail from Chase that made it to my local post office that was addressed to me.
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MN)

I want to officially write a complaint against this company about the alleged debt as I believe they have violated the FDCPA. I never made a transaction with this company and I don't know about this debt that they are tryng to collect from me. I have previously requested for a debt validation documents but I have yet to recieve a proper response from them so I want to take this to your attention and please investigate because I honestly unaware of such debts. The account number listed on my report is the following ; XXXX
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-04-20
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/year>, I proceeded to apply for a mortgage loan with Bank of America, and signed a third-party financing addendum on XX/XX/year>, in which gave me XXXX  days to secure a mortgage loan. Throughout the course of the process, we had problems on obtaining approval due to my job as a XXXX XXXX and the conflicting requirements of their institution which, as I was told that it would appear as though I had multiple and inconsistency in jobs, of which is actually the nature of my job. I kept providing letters of explanation, financial proof, contracts, and even XXXX and tax statements that dated back XXXX years ( when their requirements are usually only XXXX years ). On XX/XX/XXXX, I now find that my loan was declined, however, I was not told of this, instead I was told it was " Pending Decline '', I was actually told that my loan was declined on XX/XX/XXXX, in which I was XXXX days past my requirement for obtaining third party financing, and thus was subject to losing the Option period money of {$300.00} and XXXX money of {$3000.00}. The loan originator simply kept reassuring me at every step of the way that she was not convinced, and she did not agree with the underwriter decision. She assured me the loan would be approved, multiple times. She kept escalating the application, and many times I had to keep providing additional information, and the process kept extending. On XX/XX/XXXX, I received a phone call again, stating that the application had been denied, but she told me she still did not agree with the decision, and told me she would, again, speak with her manager as she assured me the mortgage loan would still be approved. It was at this time, that I decided that too much time had passed. I was exhausted and had provided an abundance of personal and financial information beyond expected dates. The sellers were also concerned and exhausted as they were having to wait for me. Throughout this process, I felt that I was misled. The mortgage loan department at Bank of America acted unethically, with disregard to my time, disregard to my finances, and disregard to my contract obligations. They as well acted with disregard to the sellers ' requirements alike. Because I could not obtain financing, I lost the ability to fulfill the contract, and I ended up losing the option period money of {$300.00}, the XXXX money of {$3000.00}, and I had spent an additional {$550.00} for a house inspection. In total I lost {$3800.00} due to negligence in behalf of the loan originator and the mortgage team at Bank of America. Furthermore, I emailed and called the originator many times, unsuccessfully, as it appeared I was being ignored. I managed to obtain access to and communicate to her manager through other means which ultimately led to nothing. They did not seem to take accountability in the negligent, unethical process.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I got a car loan with credit acceptance almost five years ago car. Car got totaled due to an accident they have been reporting that the account is closed since XX/XX/XXXX of XXXX. Also it says the account is closed and open
Consumer complaint received 2023-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (NY)

I want to close my business account XXXX However I kept calling Citi business # XXXX That was over 2 hours, after a very lengthy verification, it keeps directing me to personal and then personal keeps redirecting me to business, the process continued for over 2 hours!!!!!! 

Online chat is of no help as they keeps telling me to call the same number I am severly disappointed in the service, please close the account, effective XX/XX/29
Consumer complaint received 2023-03-22
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: SYNCHRONY FINANCIAL (TX)

I CHECKED MY CREDIT REPORT AND SEEN THAT I HAD THESE INQUIRY THAT I HAVE NO KNOWLEDGE OF AT ALL AND I ALSO HAVE IDENTITY THEFT ON MY REPORT Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Banks and XXXX & XXXX Contact info Address XXXX XXXX XXXX XXXX, TXXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2023-09-14
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. (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 U.S.C 1681 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (PA)

XX/XX/2023 - The original problem began on XX/XX/2023 when a payment was made but was not posted for 11 days overdrawing my account. I repeatedly tried to make payments, which resulted in returned payments. Then I changed my payment source. The first payment was accepted. In trying to bring my account up-to-date, I made payments from the new account in the amount of {$1400.00} which were posted, but then mysteriously disappeared. These funds were not returned to my account, making me unable to make certified payments that they now require which notification came after the payments were made. Posting payments 9 - 11 days after the payment is submitted is unacceptable. Notification of requiring certified payments after receiving payments are unacceptable. Hanging up on someone who is desperately trying to bring an account up to date is unacceptable. Hanging up on someone who is trying to make advance payments is unacceptable.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Thank you for removing fraudulent items from my credit reports. Nevertheless there were still items remained to be removed from my XXXX and Equifax credit reports. The items in question were the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Dear CAPITAL ONE, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer, may have given you, written, unwritten, verbal, and nonverbal Per 15 USC 6802.

ACCOUNTS : Capital one auto {$5400.00} closed, Capital one {$350.00} Closed, Capital One {$990.00} closed,
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CBC Companies, Inc. (TX)

Please see my attached most recent and up to date report. All of the accounts on it reports to all bueros so the information should be in sync/all EXACTLY the same. I'm not sure what kind of back office mess up is going on but the errors on your reports are so completely off I haven't gotten a steady denial reason or approval for ANYTHING business or personal in over 6 months. Update ALL the information to be the same, all # s and dates are valid hints why they show on this report and my paid report. Anything off is incorrect as of XX/XX/2024. I have filed many complaints & disputes mail & otherwise. You are hindering my livleyhood and I can't get a home because you or your 3rd party affiliates are not reporting as you should be. DO NOT contact the companies again to update the accounts to the date of recieveing this notice or there will once again be discrepancy since they already reported on the attached report within 30 days once again making everything off. I'm not sure how you guys got so far behind and wrong but all Inquiries where and should be removed as well due to a breach theft reports were attached in precious complaints. Any public records or collections should be gone if they show via the companies validation & awareness.XXXX is the only one that has it all 100 % correct as of this date BUT even their Clarity service is completely off. Next will be a notice of suit & Remedy. This will be my final attempt and warning. Certified mail with tracking was sent as well as on-site updates.
Consumer complaint received 2024-04-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC (TX)

Ive have called the following credit card companys XXXX, XXXX and indigo several times in regards to my XXXX balance letter for my mortage lender and informed them without this document I will be homeless. I was told they would fax and I have to recieve a fax. I was also told from XXXX that I would it via email and have yet to receive it.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA (DC)

Some unknown suspect applied for a credit card in my name that I did not give my permission to establish this is the result of fraud and identity theft I reached out to the company and they made no steempt to investigate this or remove this fraudulent item from my report 30 days has well lapsed since I submitted this dispute
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account : XXXX XXXX  # : XXXX ; Account : Department of EducationXXXX # XXXX ; Account : US Dept of EDXXXX XXXX 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, 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 2018-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Greenlink Financial, LLC (CA)

Hello, I received an advertising mailer to my home sometime around XX/XX/2018 offering a low interest loan which I was interested in to consolidate my credit card debt and pay it off. When I called the number around XX/XX/2018, Mr. XXXX XXXX with XXXX   answered. After discussing a few details he returned my call and said I was not qualified for that program but I was qualified for their debt relief program which sounded okay as they would resolve my debt and I would pay them instead. He made it seem that it would only take a short time and I would benefit from it so I signed up for the program. Unfortunately this was the worst thing I could have ever done as my credit is now destroyed because they advised me to close my long standing accounts and not to make payments. Once I realized this was a huge mistake, it was too late and my credit score is XXXX and has never been worse. In addition, I am now unemployed and this has negatively affected my efforts to not only find a job, or start a business, but to support myself while out of work. Overall, I feel I was duped into this program and the mailer was a bait and switch tactic.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These records were not started by me, and I unequivocally accept they are deceitful. I compassionately ask that you direct an exhaustive examination and eliminate them from my credit report as needs be. I have given documentation to help my case.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing in response to the verified no-change letter I received regarding late accounts on my credit report. In accordance with your recommendation, I contacted the creditor requesting proof of the reported late payments. However, despite my efforts, the creditor failed to provide any valid documentation confirming that I was indeed late on those months. A copy of my letter to the creditor is attached for your reference. Given the absence of any evidence substantiating the late payments, it is clear that these entries are inaccurate and should not be included on my credit report. As per the Fair Credit Reporting Act ( FCRA ), if the creditor can not provide proof of the late accounts, they are not permitted to report them to the credit bureaus account XXXX XXXX XXXX XXXX Account # XXXX. Also TransUnion is reporting this account closed and XXXX says account opened, payment status with TransUnion says 90 days late and XXXX says 60 days late. Therefore, I request that you promptly remove these inaccurate late listings from my credit report or mark paid as agreed never late..Failure to do so would constitute a violation of the FCRA. Thank you for your attention to this matter. Sincerely, XXXX XXXX Enclosures
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (MI)

On XX/XX/2022, we mailed check # XXXX to our supplier, XXXX XXXX in the amount of {$29000.00}, written on our XXXX XXXX  account. On XX/XX/2022, Navy FCU notified us of a possible fraud matter. The check was " washed '' to read payable to " XXXX XXXX XXXX XXXX '' instead of XXXX XXXX Navy FCU processed the check, the funds were withdrawn from our XXXX XXXX  account, but were not disbursed to the fraudulent check holder XXXX XXXX XXXX XXXX. The funds are still being held at Navy FCU and have not yet been released back to our XXXX XXXX  account. We and our attorney have contacted both Navy FCU and our XXXX XXXX  on numerous occasions and still have not yet received the funds back from Navy FCU that they are still holding onto. Navy FCU has given us numerous excuses on why they have not released our funds back to our XXXX XXXX  account. Navy FCU is still holding our money and we need to have it release back to our XXXX XXXX  account.