davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-10
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: CAINE & WEINER COMPANY, INC. (FL)

I received a letter from Caine & Weiner about a debt that I do not owe to XXXX XXXX company in the amount of {$280.00}. 

I mailed Caine & Weiner debt collector a debt validation letter so that they may validate the debt that is stating is owed by the XXXX  aka XXXX XXXX XXXX XXXX The {$280.00} has been discharged or written of by XXXX XXXX XXXX and can be confirmed by them.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My identity was stolen. I was alerted by 2 credit monitoring places of hard inquiries on my credit report. I found 3 fraudulent credit card applications. I have reported my identity theft to FTC and am following the recovery plan FTC has given me. Bank of America and XXXX XXXX are both refusing to give me any written confirmation that they are doing anything. They flat out refuse to send me anything in writing. Both companies will only verbally say they will do their own investigation and if they decide it was fraud they will cancel the application and their investigation will take 60 to 90 days and then they will still not supply any written confirmation of anything
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (AL)

This complaint is about my credit card. My account was delinquent and my mother contacted the branch instructing them that she wished to repay the balance on her behalf to bring the account current. The payment receipt is attached. That did happen ( XX/XX/2021 ) but the bank also closed the account ( see below ). This was and is a problem as it affected my credit score negatively. This was a secured card and my mother has XXXX on deposit with the bank to secure the card. My credit score is now much lower than it should be due to this event. This impacts my ability to rent an apartment, get insurance etc. We have contacted a person at the bank by phone on multiple occasions and my mother met with them twice at the branch. At the last visit, the person explained that the credit card account was somehow closed in connection with the merger between SunTrust and BB & T ( this company is now called Truist ). She said it appears this happened as part of the system conversion that occurred when the banks combined. She told us that she would forward the information to the merger office and ask that they research it and resolve the issue. We have heard nothing from them and now this person will not return our phone calls.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

Starting XX/XX/2023 US Bank took over Union Bank & shut down on-line access for 5 whole days. During that time I could not access my Union Bank account via on line. On XX/XX/XXXX I received an email from US Bank stating their site was active & I could sign up for US Bank services. I tried to do so for hours, made over 5 calls, spent at least 3 hours trying to find out why, after setting my User & password, that the site was not working. Next morning, XX/XX/XXXX I tried logging in again in the morning, no luck ; error message " This is not a valid account. '' Called again, was place on long hold ( 23 + minutes ), had to leave so hung up. Came home, around XXXX tried to log in, account stated LOCKED due to too many log in errors ( not my fault ). Called again, was transferred to tech support. XXXX representative told me unless I WAS willing to use a different browsers, ( I use only XXXXi ) that she could not help me & someone else already had opened up a case w/ case # so she could not help me. She was very rude. She told me it would be XXXX days before the assigned case manager would be able to get back to me! That would make the total amount of days I have not had access to any on-line bank what-so-ever at least 8 days!! Shocking! They stated others were having same difficulties with trying to set up a new account! This is unacceptable. I am operating in the XXXX. I am afraid to deposit any money into US Bank because they do not seem to be responsive, helpful, or transparent! They needed to have all the bugs worked out before they made the transition! Also, they are making the consumer go thru all kinds of delays, calls, exercises with technology that the consumer may not be able to execute or access. IT IS NOT UP TO THE CONSUMER TO WORK FOR HOURS & DAYS & MAKE CHANGES TO THEIR PERSONAL SOFTWARE TO BE ABLE TO USE A SIMPLE ON LINE CHECKING ACCOUNT ACCESS. IT IS VERY STRESSFUL NOT TO KNOW WHERE I STAND WITH MY BALANCE WITHOUT HAVING TO CALL US BANK & BE VERBALLY TOLD BY A STRANGER WHAT MY BALANCE IS! I AM VERY WORRIED THAT MY SOCIAL SECURITY CHECK DIRECT DEPOSIT WILL BE MESSED UP WHEN IT DROPS ON XX/XX/XXXX! LIKELY THAT WILL BE MESSED UP AS WELL. THIS HAS BEEN A COMPLETE MIS-HANDLING OF A BANK TRANSITION and possibly the mis-handling of consumer accounts and their ability to access their checking account via on-line.
Consumer complaint received 2018-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

We were offered over the phone a deal on 0 % balance transfers. When speaking with the representative, I specifically asked about future purchases on the card and if that would affect the 0 % interest on the balance transfer. I was assured it would not affect it and that we could make additional purchases without imperiling this deal. We were then charged interest on the additional purchases even though we made a payment, because they applied the payment to the balance transfer and not new purchases. What this does is essentially force us to pay down the balance transfer immediately to avoid interest on the new purchases, defeating the purpose of the deal. When we contacted customer service, they said this language was in their fine print, which was not told to us over the phone, and that we should not use the card for additional purchases, which again was not mentioned by their agent. This is essentially a bait and switch, leaving out very important information in their sales pitch, greatly affecting our financial situation.

We transferred the balance of {$11000.00} on XX/XX/XXXX and contacted the company on XX/XX/XXXX for the {$26.00} which we are now going to be charged monthly as interest on the new purchases
Consumer complaint received 2022-12-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (KY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$4200.00}
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted anxiety, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On the night of XX/XX/XXXX in the streets of XXXX, my friend and I we're walking on the way to a Volunteer after party at XXXX after volunteering in the XXXX convention for approximately 4 days. While on the way, 2 random gentlemen that I have no clue snatched my phone while walking to the venue, started threatening my friend and I by pointing at their pants, indicating they must've carried a weapon, and kept threatening us, while using my phone at the same time. In that timeframe, the person used XXXX to transfer themselves XXXX XXXX to their account as well as accessing my Chime account to transfer themselves another XXXX XXXX Never having dealt with such a situation, I immediately called the Chime dispute team to try and dispute the charge as the trying to remedy the situation. The person on the phone assured me that their investigated team would solve the situation in the timeframe of 10 days, and that in the meantime, I would be granted a temporary credit of XXXX dollars given that I've never had an issue with this banking system prior. No later than 24 hours, my dispute is closed and denied. I called back the dispute team immediately, only for them to reassure me that the investigation could not have concluded in that immediate matter of 24 hours, and that there errors, and the case would reopen. Since, my case has yet to reopen, and my avenues to try and contact the dispute team has only been met with automated messages, and I've yet to receive the " investigation '' documents that I was promised regarding my case. If chime just checked the other person 's account as shown in my supporting documents, as see their suspicious activities, it would be obvious that they obviously stole the indicated money as stated. Please help me resolve this issue.
Consumer complaint received 2023-06-17
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. (IN)

In accordance with the fair credit reporting act, XXXX  XXXX XXXX ending in XXXX, and XXXX  XXXX XXXX  ending XXXX, and XXXX XXXX XXXX XXXX  ending in XXXX, has violated my rights below under the fair credit reporting act laws below. 

.15 u.s.c 1681 section 602 A. States I have the right to privacy. Also 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 instructins. Also .15 u.s.c 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2017-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

To whom it may concern, Wanted to let you know Bank of America department of regulatory complaints refused to release my original funds following reversal of a fraudulent employment check in my closed account. BOA kept about XXXX of my nonfraudulent personal funds. Have been following up on this with my local state police as well as the police department local to the XXXX in XXXX XXXX, CT where the funds from the fraudulent employment check were deposited. Emailed CFPB previously about this matter. My account number at BOA was XXXX. Their Regulatory Complaints can be reached at XXXX XXXX. You can reach me at XXXX or email XXXXXXXXXXXX. 
Thanks very much, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Since the day Truist bought Suntrust I have had problems almost every month. I NEVER had a single problem with Suntrust until this. 

I continually get accounting inaccuracies, threatening mail indicating I owe more than I do, confusion over my payments, flow days. I am told almost monthly I owe more than I do since my payments are almost never acknowledged. 

Customer service has been hostile, rude, vindictive, hard to understand, unable to process basic XXXX and many times just hangs up. 

Last time I had a problem like this it was with XXXXXXXX XXXX. Later they later failed as a company with all 50 attorney 's general filing a Complaint. 

This company appears to have the same attitude, disregard and violent attitude towards clients. I owe a miserable XXXX XXXX and like last time have NEVER been 30 days late or even close but they continually act out in this manner. 

I have written them and/or called them dozens of times to no avail.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX CA SSN XXXX XX/XX/1961 Experian XXXX. XXXX  XXXX XXXX, TX XXXX XXXX XXXX DEAR SIR OR MADAM According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
THIS IS DOUBLE JEOPARDY AND IS NOW AGAINST THE FCRA AND FTC LAWS I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification STATE TAX LIEN XXXX XXXX CO RECORDER XXXX {$17000.00} STATE TAX LIEN XXXX CO RECORDER XXXX {$17000.00} * Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX
Consumer complaint received 2022-11-23
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: Experian Information Solutions Inc. (NJ)

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2022-11-29
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. (NY)

THESE INQUIRIES WAS NOT AUTHORIZED BY ME. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I am a XXXX XXXX in XXXX XXXXXXXX XXXX.On XX/XX/ I got a ride through XXXX. Two passenger get in my car and robbed my phone they show XXXX XXXX XXXX and asked for a unlocked phone. 
Then they start shoping from my phone and transfer money from my phone through XXXX and XXXX XXXX. and open two cards using my Iden ties. they have used about XXXXXXXX XXXX dollers.
Consumer complaint received 2023-05-31
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: BARCLAYS BANK DELAWARE (NY)

I was charged {$50.00} for XXXX XXXX XXXX XXXX  that I never used ( posted XX/XX/23 ). After not being able to resolve it with XXXX XXXX XXXX, I disputed the transaction with Barclaycard ( on or around XX/XX/23. They soon after sent me a letter stating that my dispute was not approved because " We were not provided with the true nature of the dispute when first notified of the claim. '' This is untrue -- all the information I gave was factual. I contacted Barclaycard again and the agent recommended I mail in a letter explaining all the details. I did so, and received the same letter stating my dispute could not be resolved ( XX/XX/23 ). 

I should not have to pay for services that 1. I did not use and 2. was recommended to me by XXXX XXXX XXXX by mistake.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (GA)

I attended a College called  XXXX   XXXX   XXXX  in  XXXX , GA in Fall of   XXXX  . To get my tuition covered I took out a couple of   XXXX   XXXX   that had been offered to me. Once I left the school I made sure I did n't owe the school money and I did n't have any holds because I wanted to transfer all my credits to a new school.  XXXX   XXXX  sent my transcript to my new school. Currently I am enrolled in school and I am on track to graduate with my  XXXX . So, I am very confused how  XXXX   XXXX  is saying I owe  XXXX  dollars and release my transcript to continue school. When I stopped attending  XXXX   XXXX  there was a {$0.00} balance on my account. Attached details how much I 've been awarded Fall of   XXXX  . Which I accepted in the beginning of the semester. This seems to be a error on the schools end not on my end because it seems to me that for some reason my loans did n't get disbursed even though I accepted to received them that semester.
Consumer complaint received 2022-12-22
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: Experian Information Solutions Inc. (MA)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXXXXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1800.00} ), XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$5800.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-03-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

XX/XX/XXXX To CFPB File chapter XXXX bankruptcy on XX/XX/XXXX. Repayment plan confirmed on XX/XX/XXXX. 
During confirmation, the lender, XXXX, was holding a junior lien on my residence. 
Plan confirmed that Junior Lien will be stripped off because the value of the real estate is much less than the amount owed by the first mortgage. 
Chapter XXXX discharge order was submitted on XX/XX/XXXX and sent to the lender. 
Recently, trying to refinance my first mortgage for better terms, the closing agency found a lien still open against my property from the lender in question. 
I am being calling the lender, many times, on the last 7 days, trying to work the issue out. 
They said I should ask the lawyer doing my case for some paperwork. Well, this case is close, about 3 years ago, The lawyer explained to me that the lien should be removed and the lender failed to do so, there are not any missing document and they do n't need to submit anything. The lawyer explained that the document they may be asking for has been dismissed by the judge for failure to state a claim that would allow him to grant relief, the judge made a regular practice of such dismissals, because he felt that adversaries were obviously not necessary to strip unsecured junior liens. 
I called back the lender and explained, and of course, they ask me to ask the lawyer for a motion, or something like that. Sorry, I am not a lawyer. 
I found myself into a loop where either my lawyer, because the case is closed, and the lender are failing to help me and solve the problem. 
I am seeing myself in the process of getting financially hurt due to refinance, for better terms, or sell a property been denial because a lien has not been released from this lender. 
Please help me to find a way out of this involuntary trap. 
Thanks,
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (MI)

My personal delicate information is being reported to unauthorized third parties without my consent. I have not provided written instructions on how to display my personal information which is a violation of my privacy. I DO NOT want my personal information such as my payment history and balance reported to any credit reporting agency. I know my rights and you are in violation of them and if this information is not removed I will proceed with legal action for the violations and I will receive compensation for my time, legal fees and the violations. Remove the highest balance payment history and the balance history, as this is my private information that you are not authorized to give to any third party without my consent and instructions. Remove Immediately. 

Account # XXXX Thank you XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The presence of these fraudulent details violates the regulations set forth in 15 USC 1681C-2. I am formally requesting the removal of these unauthorized and unlawful inquiries from my credit report. These deceptive inquiries not only provide an inaccurate portrayal of my credit history but also expose me to considerable risks concerning my financial stability and reputation. It is crucial to address this issue promptly to protect my creditworthiness and uphold the integrity of my credit report. Therefore, I am seeking the swift removal of these fraudulent inquiries to restore the precision and dependability of my credit profile.