davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America placed a nine day hold today, XX/XX/2020, on an XXXX XXXX XXXX check given me as deposit by my customer to purchase materials for their job I have to start Monday morning, XX/XX/2020 that I have to complete by Thursday, XX/XX/2020 so they can have their XXXX XXXX XXXX XXXX. The funds check was deposited into my business checking account at Bank of America that has been open now for 10 months, almost a year. 
My customers are teachers for the school district, earn six figure incomes, and live in an influential community in a home they just purchased for over {$600000.00}. The same home I was XXXX  to start XXXX  Monday morning. I am running a XXXX XXXX XXXX and without any business loan operate from customer check to customer check. All my customers live in higher income bracket communities and I have NEVER had any one of my customer checks denied or returned for NSF. There is absolutely no reason why Bank of America, an underhanded, crooked, horrible bank should hold my funds deposited that I need to RUN MY BUSINESS! I am going to close this business checking account and open another one at CHASE bank because I have had a lot of trouble gaining access to my own money, having had Bank of America freeze my business account many times for no reason, commiting fraud by holding onto funds deposited on many occassions and freezing my account when I needed to pull money out of the ATM to purchase gas while driving on empty. I hate this bank, Bank of America and I think they should close this bank down and tear down every last building where they sit so citizens of this country and anyone else that has an open bank account with them will not become another victim of Bank of America fraud and lies!
Consumer complaint received 2020-04-14
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. (LA)

I have sent several emails to XXXX  XXXX XXXX CEO about an old credit card account. I was told they were unable to locate account under my name and social security number. I was told to file a dispute. after filing an dispute several times the accounts comes back stating it credit card account belongs to me. the problem I have with this is if I call XXXX  they are unable to locate account. 
I have tried several time to get this account off my credit with no luck. 
After sending several emails to CEO someone calls me stating they located account once I ask how much I owe I was told I would get something in the mail. l never receive anything
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY (OR)

Signed up for checking account having terms for XXXX membership rewards bonus after meeting certain terms. American Express provides a portal showing the status of those terms, proving a green checkbox next to each term as they are met. Of these, there was a term to maintain an average daily balance of {$5000.00} for sixty days. Funds exceeding {$5000.00} were deposited on XX/XX/XXXX and the clock began. 

Upon seeing that all terms were met per the American Express tracker, a transfer of funds was requested at XXXX EST on XX/XX/XXXX. An email confirming that transfer with a transaction date of XX/XX/XXXX was received by email. 

American Express expressly states : " For purposes of transferring funds to or from an external bank, business days are Monday through Friday, excluding holidays. Transfers can be initiated 24/7 via the website or phone, but any transfers initiated after XXXX XXXX Eastern Time or on non-business days will begin processing on the next business day. '' This makes it clear the funds should have been maintained through the day and processed the next business day, XX/XX/XXXX. Reference : https : //www.americanexpress.comXXXX SUMMARY : ( 1 ) The American Express bonus tracker indicated all terms were met. Screenshot attached. 
( 2 ) The outgoing transfer was to occur at 93 days. Screenshot attached.

American Express thereafter claimed the terms of the onus were not met. A ticket was opened and today closed without resolution.
Consumer complaint received 2020-08-04
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I asked HUD to help bail me out so I did not loose my home. That was 6 years ago. Bank of America was my mortgage company at the time. I started to make the payments on time and when I went to sell my house last year, I found out I had a lien on my home. I was very shocked because I have been in compliance with HUD, at least I thought. I got the paperwork from Bank of America and here it says miscellaneous for the first 3 months showing they withheld my first 3 months illegally to make it look like I was not making my payments so they could call me up and have me remortgage my house through them. I did not know I couldn't do that while under contract and Bank of America borrowed, illegally, another {$4000.00} from HUD without my knowledge. When I tried to get them to send a letter ro HUD so it would be forgiven, BOA said it was a computer glitch and would not own up to it.
Consumer complaint received 2020-04-14
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. (PA)

I had an account with XXXX XXXX XXXX XXXX XXXX XXXX with a limit of XXXX. I received a letter, email and text stating that the company would no longer be able to honor credit moving forward, but there would be no negative impact on credit as a result of their closing accounts with XXXX customers. 

My account has always been paid on time and was currently at a XXXX  balance owed status. I was disappointed that I would no longer be able to utilize the card, but understood that COVID-19 has caused many challenges for banks and businesses, so I accepted that the account would be closed shortly. 

Most recently, I looked at my credit report and noticed that they left a remark stating " suspended. '' My score dropped 34 points from " Good '' to " Fair! '' I immediately called them to inquire why the remark was left on my account, but they did not have a clear answer. They only stated that it was the standard remark placed on all the accounts before they close them permanently. 

I clearly understand that a bank or agency may no longer able to extend credit, but I don't understand how a stellar account holder in excellent standing is able to be penalized for their inability to continue business practices.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TN)

In XX/XX/XXXX I paid in full a charge off from Wells Fargo Dealer Services. This closed the account and released the car title to me. In XX/XX/XXXX WFDS updated the reporting on this charge off to XXXX   as late that month. It is now reporting as a current late and has dropped my credit score 20 points. The account was closed in XXXX. It should not be updated as current. I have tried to correct this with XXXX, Wells Fargo Dealer Services, and now twice with CFPB.
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion File # XXXX Experian report # XXXX I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX/XXXX/XXXX XXXX XXXX Card XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Banking XXXX BANK XXXX/XXXX/XXXX Banking XXXX CARD SVC XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX Banking I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating my account.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$96.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$170.00}.
Consumer complaint received 2023-05-27
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$630.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$21000.00}, XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6100.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$14000.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX ( Date Opened : XX/XX/XXXX Balance : {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} ), XXXX XXXXXXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$690.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-04-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (NC)

I called on XX/XX/XXXX asking if they was doing anything for people thats not been working related to COVID 19 and their monthly payments. The agent said all they could do was refinance my loan and push my payment to XX/XX/XXXX. I had forgotten about that call till I called today on XX/XX/XXXX asking if they was anything I could do for my payment for XX/XX/XXXX because I havent been working. Ive been trying to think of ways to save money to pay my main bills and several of my other accounts have all worked with me. I dont think its fair or right for them to only allow me to refinance my loan during this national emergency when no one is hardly working. I have filled for unemployment but that takes time as its still pending to this date. If I refinance thats going to mean my credit will be ran, my credit score will mostly likely drop, it takes two years for the hard inquiry to be removed from my credit. I just think Mariner Finance is taking advantage of people during this time saying all we can do is refinance your account. I have never missed a payment with them and have never asked to skip a payment. This is not something I like doing, because the faster I can get this paid the faster it will be off my credit and allow my credit to show positive accounts.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (LA)

Exeter Finance added 120 day late to an account that was 6 years old. This account is hindering me from getting a new home and car. This account was paid with an agreeable to remove the late payment due to the fact that the car was totaled out and the insurance paid for the vehicle I did not have any knowledge that there was a balance and no communication was sent or provided.
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (MI)

Over the course of the past five months, I received several credit card statements, all branded cards issued through Synchrony Bank, at various stores ( e.g., XXXX XXXX, XXXX, XXXX XXXX, etc ). After receiving the first credit card statement, I believe in XXXX or early XXXX, I called Synchrony Bank and advised them that I did not open a credit card account and that the other persons name on each statement was a stranger to me. I am an attorney, so I verified to them that I had never represented any individual by that name. The representative of Synchrony Bank confirmed that my social security number had not been associated with the account. 

As of XX/XX/2020, I continued to receive statements in various individuals names and and, on each such occasion, I called to report the continued problem until such calls proved pointless and outrageously time consuming ( 2 hours per call ). On each occasion, I provided an account number and again received an assurance that my social security number had not been associated with the account. I also received, however, assurances on every phone call indicating that I would not be receiving any further statements. The fact that this assurance was not met has caused me to question all assurances given to me by Synchrony Bank. 

I began sending the statements directly to the fraud department at Synchrony Bank and have not even received an acknowledgement of the problem. I have continued to receive fraudulent statements every week.
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (NY)

Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

In XX/XX/XXXX someone fraudulently used my Citi Bank XXXX XXXX credit card to make purchases at XXXX and XXXX. I have never used these websites, or even heard of XXXX prior to this. From XX/XX/XXXX to XXXX, there were approximately XXXX transactions on the card totaling {$33000.00} by my calculations. Citi bank never informed me of these fraudulent charges despite how many there were. It was only after I checked my balance online did I see the charges and notify them. I also immediately notified XXXX. 

I was asked to be patient by Citi and was told it could take two or three billing cycles to resolve the issue. I have not received any communications from Citi or XXXX to keep me informed as to the progress. All that I've been told from Citi was that the investigation is closed and resolved via email. It does appear that there are credits on the account of {$38000.00}. I have no idea why that amount does not coincide with the {$33000.00} in fraudulent charges. 

My issue now is that I still have a balance on the card in excess of {$14000.00} and the XX/XX/XXXX statement shows approximately {$18000.00} in new charges from XXXX dated XX/XX/XXXX through XX/XX/XXXX that have post dates of XXXX and XXXX. These are duplicate charges that now appear as a balance. I was told by a representative in the Citi fraud dept on XX/XX/XXXX that those are rebilled as there are duplicate credits on the account from Citi and XXXX that need to be rectified. As you can see, this is extremely confusing and the card statements are impossible to follow and add the transactions correctly. I am not a forensic accountant! I have gotten no help from Citi either. I attempted to contact customer service last week and was on hold for over two hours before I finally hung up. I understand that staffing is down with the current Covid19 situation, but frankly, that is not by problem and this situation should have been resolved before now anyway. 

I have been patient for over three months and still have a balance on my card over {$14000.00} that is incorrect. My credit score has been affected and this is all through no fault of my own. Frankly, the onus is on Citi as their security dept should have frozen the account way before XXXX transactions went through. They have made minimal effort in fixing this and clearing my credit.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/20 I tried to open checking account, which in the past was opened & closed by me without issue. Today however, Bank of America placed me in processing purgatory, leading me to believe they mishandled my data & denied me right to withdraw application and delete all personal data.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2020-06-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MI)

I moved into XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX in XX/XX/2019. An incident occurred at my apartment with a guest and I was asked to move out the apartment complex. I was there 30 days exact. I was told that if I just left that I wouldnt owe anything and that they wouldnt file for eviction. I moved and didnt hear from them. I called to inquire about my security deposit and they told me I should receive something by mail to the address I provided. I didnt hear from them for months. One day I go to check my credit and it says I owed a debt to XXXX XXXX. I hadnt received anything saying I owed anything and being I moved out of the apartment I shouldnt have owed them money. They charged me for a month and a half rent I didnt occupy the apartment they charged me for carpet cleaning to undamaged carpet they took back a special they provided to me at move in and they also charged me to remove a dresser I left and said they would move it at no cost. I never re wives notice of any of this until I called the collection agency they sent the debt to. I called national credit systems numerous times and was never able to get any information from XXXX XXXX which was the woman assigned to my case. After not getting anyway I contacted legal aid to step in to help me. I havent got any help to solve this matter or settle it. I feel this management company is trying to get me out of money I do not owe to them.