davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

Check # XXXX was made out to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) to pay rent at XXXX XXXX, a Congregate/Level II SRO program. Resulted in a negative balance of XXXX. An insufficient fund fee of XXXX was applied to my account on XX/XX/2017. I lost my XXXX and federal tax refunds ( XXXX issued on XX/XX/2017 and XXXX issued a week later ). An extended overdraft fee of XXXX was applied to my account on XX/XX/2017, being my balance to XXXX. The bank violated a federal rule that states that if my direct deposit to my checking account comes from the Social Security Administration ( My SSI benefit payments are direct-deposited into my checking account monthly ), that no institution other than the federal government can take any funds out of the checking account to recover a debt. Also, I never sign up for overdraft payments ... meaning that if my account doesn't have enough money to pay for purchase or pay a bill, the bank will cover it but customer must pay back the money within a short amount of time. So much money was taken away from me in fees, which I want reimbursed back to me asap.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NV)

I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.
Consumer complaint received 2019-12-20
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. (NJ)

On XX/XX/XXXX, after pulling my credit report, I discovered multiple accounts on my credit report that I did not recognize. On XX/XX/XXXX, I submitted my first dispute letter with a list of all the incorrect information on my report, as of today 's date XX/XX/XXXX, I have been disputing wrong information on my credit report several times. Doing my own research I had found that I should contact the CFPB for help ; Below is a list of accounts showing on XXXX & TRANSUNION that have not been removed and they are badly affecting my score : Showing on report from XXXX  & TRANSUNION, XXXX XXXX  XXXX with an alleged acc # XXXX with an alleged balance of {$410.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference ) Showing on report from XXXX  only, XXXX XXXX/XXXX  with an alleged acc # XXXX with a balance of {$0.00} allegedly opened on XX/XX/XXXX. ( Sreenshot of account attached for reference )
Consumer complaint received 2023-03-01
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: TRUIST FINANCIAL CORPORATION (NY)

On XX/XX/2023 a inquiry from this company ( s ) was pulled from my credit without my notice or authorization. I did not apply for anything with these company ( s ), I believe I was a victim of fraudulent activity. These unauthorized inquiries have negatively affected my credit score and my ability to acquire credit. I need these false items removed from my credit report as soon as possible.
Consumer complaint received 2023-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I was involved in a motor vehicle accident on XX/XX/XXXX when a young lad hit me from behind while I was in my pick up truck. It caused XXXX XXXX XXXX and I ended up having XXXX on XX/XX/XXXX. My XXXX XXXX coverage deductible of {$5000.00} was paid and after the XXXX I received an invoice from XXXX XXXX saying I owed them over {$3000.00}. I was told my deductibles were covered and I was not going to pay anything out of pocket. They have since sent this invoice to collections and it has affected my credit. I asked them to provide proof that I signed for the ir services but they have not yet done so. Please assit.
Consumer complaint received 2019-12-20
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

On XX/XX/2019 @ XXXX my debit card was used at a XXXX in Arizona . I do not live in Arizona. I have never been to Arizona. I did not make this purchase/rental. I have contacted XXXX and my bank, Bank of America. They both have done their fraud investigation and have decided to charge me {$74.00}. Somebody please help me. I have nothing to do with this transaction other than I am the victim. The best that we can figure out is that someone duplicated my debit card and used it at that location. The actual payment description is Non-EMV Magnetic Swipe. Again, I was not there. I did not make this purchase. Neither company seems to care and just want to collect funds. I have recently contacted the police department in Arizona to see if they can help but beyond that I am not being looked at or protected as a customer and consumer by XXXX or Bank of America. Thank you for your time in reading this and considering any advice/help that you may have for me.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

American Express Serve card has been in a total system outage for over 12 hours.Members cannot access their account information nor use the Card for purchases.Off-shore customer service reps are rude and non-responsive - refusing to answer questions, and often times outright hanging up the phone.No ETA for restoration is provided.Card is still offline.
Consumer complaint received 2024-02-21
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. (NJ)

I am lodging a complaint today to report that I have been the victim of fraudulent activity. Upon researching the process to remove these fraudulent items from my credit reports, I discovered that I must file an identity theft report with the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov. Pursuant to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed on an identity theft report. Mine is referenced under # XXXX. Enclosed, please find the attached documents to facilitate the removal of the erroneous information and fraudulent inquiries from my reports. Below is a list of items that do not belong to me or were opened without my authorization : ***********EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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  As per FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified by the consumer as resulting from alleged fraudulent activity within four business days of receipt.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (AZ)

CITIBANK LOCKED MY CHECKING ACCOUNT ON OR AROUND XX/XX/23 AS A RESULT OF POTENTIAL FRAUD OR A SECURITY ISSUE. I SPOKE TO A REP ON SATURDAY WHO TOLD ME I HAD TO CALL BACK ON XX/XX/23 WHEN THE DEPARTMENT THAT HANDLES IT IS BACK. I DID MAKE NUMEROUS CALLS TO CITIBANK ON XX/XX/23 AND THE REPS THAT I SPOKE TO COULD NOT TELL ME WHO PUT THE BLOCK ON THE ACCOUNT AND WHY. THEY REACHED OUT TO THE FRAUD/SECURITY DEPARTMENTS WHO TOLD THEM THAT I NEEDED TO VISIT THE NEAREST BRANCH, PROBLEM IS THERE ARE NO BRANCHES IN MY STATE OF ARIZONA AND THE NEAREST IS ABOUT XXXX MILES AWAY IN CALIFORNIA. I THEN CALLED AGAIN AND SPOKE TO A WOMAN NAMED XXXX WHO ALSO REACHED OUT AND HAD NO IDEA AS TO WHAT WAS GOING ON. SHE TOLD ME I WOULD GET AN EMAIL WITHIN 1 TO 3 BUSINESS DAYS AND FILED A COMPLAINT # XXXX. IN THE MEAN TIME I CAN NOT USE MY DEBIT CARD MAKE ANY WITHDRAWALS OR PAY ANY BILLS THROUGH THE ACCOUNT SINCE IT IS NOW BLOCKED. PLEASE PROVIDE A REMEDY FOR THIS ISSUE IF AT ALL POSSIBLE.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (AL)

To whom it may concern : I attempted to use my card this morning around XXXX XXXX  to pay my life coach and I was denied through my XXXX account. My XXXX is directly linked to my Serve Card. I assumed that maybe I didnt have the funds, so I went to a local bank teller. The bank teller denied my withdrawal. I sat in my car wondering what was going on. So I decided maybe I should try calling the company number to just check my balance ... blocked. I had to literally hunt and XXXX what the direct number was because they made finding the number on the site inaccessible. Outraged, I attempted to call the number I found which was listed on another page on the website for new members ... I was met with a dial tone. I was not even able to reach American Express Serve Prepaid Card services over the phone to check my balance! I could not check to see if the payment for my car was taken out by my dealership. I received no notification of any sort about what was going on with my account at all this day of XXXX XXXX. I have automatic payments attached to my account that is due TODAY. My car payment being my main charge. I am highly upset with the lack of care or consideration this company has showed for its members. Not only is this issue close to the holiday season, I can not eat, buy gifts, or pay for anything although the website showed otherwise. Not only was the service inconvenient, I was lied to by a company I trusted to protect my money. There was no scheduled maitenence scheduled today! From their XXXX and XXXX page, the messages do not add up! I am really upset and I will be discontinuing my use of this service as soon as it is up and running again. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2019-11-28
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX US DEPT VETS XXXX U.S. DEPT OF VETS AFFAIR 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 UNIVERSITY OF XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX It appears that attempts to collect a potentially time-barred debt that is otherwise valid may not necessarily Violate the Act so long as there is no actual or threatened litigation. ( See Freyermuth v. Credit Bureau SeNices ( 2001 ) 248 F.3d 767. ) However, where, as here, a collection action is instituted, there is a violation of the Act. ( See Kimber v. Federal Fin'l Corp. ( 1987 ) 668 F. Supp. 1480 ; McCollough v. Johnson, Rodenburg & Lauinger ( 2008 ) 587 F.Supp.2d 1170. ) All of these Accounts Report with various INACCURACIES! AND INCONSISTENCIES WHETHER IT MAY BE THE DATE OPEN, THE DATE OF LAST ACTIVITY OR DATE OF LAST PAYMENT, VARIOOUS CHARGEOFFS AND COLLECTIONS ARE LISTED UNDER THE WRONG ACCOUNT TYPE CODE ALL OF THE DATA VARIES FROM BUREAU TO BUREAU WHICH MAKES IT INCONSISTENT YOU HAVE VARIOUS CHARGEOFFS AND COLLECTIONS REPORTING A BALANCE WITH A PAST DUE BALANCE HOW CAN YOU REPORT BOTH IF THE BALANCE WAS CHARGEOFF, THE HISTORICAL PAYMENT GRIDS ARE ENTIRELY INACCURATE AND UNVERIFIABLE Credit bureaus, if they refuse to correct information after being provided proof of inaccuracy FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv- 01743 ).

U.S. Code1692e.False or misleading representations
Consumer complaint received 2022-09-24
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

Lender AmeriHome Mortgage  Loan # XXXX - CLOSEDXX/XX/2019Customer Service XXXXI refinanced the property, cancelling the loan with AmeriHome on XX/XX/2019.  A month later AmeriHome refunded the balance remaining in my escrow account, but not the  funds which they claimed they paid XXXX XXXX  County property tax XXXX.  The County reported that the tax was not paid by Amerihome because it was paid by the title company managing the refi.  I have called AmeriHome twice and was disconnected both times when asking to speak with a supervisor.  I filed a complaint on their site and received an unsatisfactory response.  I tried chatting on their website and got routed to a page that does not exist.If the money were sent to the County, I could accept a delay.  In this case XXXX XXXX who handles payments for AmeriHome did not send the check.  How can I recover the XXXX?XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts below : Account name : XXXX XXXX Account Number : XXXX I dont have the full account number but this is whats showing on my credit report. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2022-09-24
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. (NM)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-03
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: Convergent Resources, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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 2019-12-20
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: PENTAGON FEDERAL CREDIT UNION (TX)

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:Pentagon Federal Credit Union (Pentagon FCU) Account number XXXX, the amount is XXXX, Opened XXXX XXXX XXXX.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.XXXX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.
Consumer complaint received 2024-02-21
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and REMOVE them immediately in my report : 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 2019-12-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (NC)

They said they had sent out a letter and we never received it and then we got a card that said the account had been closed. And when we went to the bank we ask XXXX XXXX if we could get a letter and send it back in and he said no. XXXX XXXX told me that the money was in the bank but he didn't know where, and he gave me numbers to call and it was always automated never could talk to anybody, so we left a message and they have never called back yet. So then went back to Truist formerly Suntrust and talked with XXXX XXXX again and I told him he worked for Truist  formerly Suntrust he should be able to get more answers than I could. XXXX XXXX called me back a couple times right after it happened, then he never called us back anymore. So we went back to see XXXX in person he wasn't in, so we talked with XXXX XXXX and we haven't really got any more answers since then and it has been 3 months or more so that's why we reaching out to consumerfinance to find out where my money is, because nobody at Truist formerly Suntrust  can tell me anything. XXXX XXXX acted like they wasn't responsible for my money. XXXX said the money could not be put back in the account, this is the Suntrust branch in XXXX, NC. I ask XXXX why they had all automated stuff so they wouldn't have to talk to anybody and she said yes. So I ask her if Trist formerly Suntrust if they used the automated to give people the run around hoping they would give up. But I'm not giving up. I ask XXXX when people don't respond back if they didn't call and she said no, if they called and left a message people would get back with them, This wouldn't have happened if they had called.