davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On Friday XX/XX/XXXX I reported to my bank, Suntrust Bank that someone got into my bank account and changed the address. I called Suntrust and Answered all the questions on the phone that they asked but the said they could not sent a security code to my phone so I had to go in person. They locked my account. I went in person on Monday XX/XX/XXXX and changed my log in and password. On XX/XX/XXXX they got in again changed my address and changed several XXXX dollars on a credit card that I had not used since XXXX. They also withdrew some money on my checking account. I requested that the credit card be closed. They closed it and opened a new one that I didnt ask for. I do not have the new number I only have the original number. I was refunded the money except a {$740.00} charge on the credit card is still under investigation. On XXXX I received a letter saying a payment had been rejected. On XX/XX/XXXX, I called and was told I needed to go in person. When verifying my address I found out the hackers had gotten in again and changed the address. I changed it back and went to the bank on XXXX and closed my checking account. When closing the account the teller told me my address was again changed. Also I had to try 4 different branches in order to close the account. The lobby was closed at 1 branch. They sent me to 1 branch that was closed, I called another one who said that the only person who could close an account was out until XXXX XXXX. Finally the 4th branch I tried closed it. I then went home and later in the evening I called the fraud dept to let them know if I need to be contacted the hackers keep changing my contact address. The rep is not listening to me telling me I need to go to the bank. I tried to explain That I keep changing it and they keep changing it back. I no longer have access to the account so I wont know if they change it again. I am not a customer but I want the bank to be able to reach me. The rep said I had to go to the bank and wasnt understanding what I was trying to explain. I cant go to the bank every day to make sure the hackers didnt change the address. The rep said she couldnt help me and hung up. I dont know what kind of fraud monitoring banks do, XXXX if they would have listened to me on XXXX none of this would have happened. I want to make sue all my accounts are closed at Suntrust and I owe them nothing. I feel like I am in the twilight zone since XXXX. Hackers are able to get into my account withdraw money, make charges, make changes to my info. But they wont speak to me. No one is monitoring my account. Thank you for taking the time to read my complaint.
Consumer complaint received 2021-08-07
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: Fidelity National Information Services, Inc. (FNIS) (MN)

I just sent a recent police report to Chex Systems for the fraudulent and unauthorized credit inquiries listed on my Chex Systems Consumer Report ID : XXXX, the following Reported Information and Inquiries Viewed By Others currently listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my checking account or credit inquiries : XXXX Checking Account : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Consumer complaint received 2023-01-13
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (CO)

Our house payments were supposed to be tacked to the end of the house payments. We have decided to move our grandkids closer to family and sold this house. We included the total amount in the sale. The mortgage company at no time ever told us they were charging further interest on the amount deferred in the amount of {$23000.00}. We knew nothing of this til 15 days til close. How did they have the right to profit from US because of the pandemic? It has left us XXXX short on the house we were moving to and may very well have left us homeless. How do they get to put us in a debt they never told us about so that we could have prepared for this? They owe us nearly {$7000.00} from the equity that they say will take 15 days after close due to Covid. Is this not the same Covid WE are experiencing? Why do the worries and horrors of Covid only allowed to effect them and make them need our money but Covid is supposed to effect US? It seems that this company is taking advantage of this pandemic and the people who trusted them with their business. How does this company see this as legal or moral in this time of pandemic that is even slowing Them down and effecting their entire company. One would expect better customer loyalty from Freedom Mortgage. You would expect More Compassion from Freedom Mortgage during a time like this.
Consumer complaint received 2021-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (TX)

I took Discover card offer for {$45.00} credit for making a {$45.00} purchase at XXXXXXXX XXXX XXXXXXXX. I did it and made a purchase of {$45.00} XX/XX/21. I contacted them and they confirmed to me I did what required and I will get the credit in due course. I contact them again in XXXX, as I did not receive it. I was confirmed again I will get the credit early XXXX, I did not receive then told me by end of XXXX billing cycle, I contacted them Today XX/XX/21, Discard agent told me I am not qualified for the promotion and said to me they got a comment from XXXXXXXX XXXX XXXX that I am not qualified, because I was a existing customer but I am not. The fact is I spent the # XXXX to pay for the membership fee. Discovery card asked me to contact XXXX XXXX  and gave to me XXXX XXXX customer services numbers. I called XXXXXXXX XXXX customer services and they told me they have no knowledge of what is going on with Discovery card. 
THE BOTTOM LINE IS I TOOK THE PROMOTION FROM DISCOVER CARD NOT FROM XXXX XXXX XXXX AND DISCOVER CARD CONFIRMED AND RE-COMFIRMED TO ME I AM QUAILIFIED FOR THE PORMOTION. SO THEY NEED TO KEEP THEIR PROMISE OR THEY NEED TO CONTACT XXXX XXXX CARD TO GET IT RESOLVED NOT ME
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Today I called Experian trying to resolve some of my accounts to be exact two XXXX XXXX XXXX accounts and XXXX XXXX. I sent my letters on XX/XX/21 and there still isnt an update and I stated in the letters that if they arent completed in 30 to remove them. Today is XX/XX/21 I in fact gave them more than thirty days. I called today to get those 3 accounts off and I spoke with XXXX who was very nicely rude, I couldnt finish a sentence she kept talking over me her customer service sucked. I told her that I was going to report her to the cfpb and asked for her name and she replied XXXX I asked what her last name was and she said she couldnt give it to me so I asked her how would they be able to identify her, is she the only XXXX that works for Experian and she replied yes. I didnt call to argue just wanted to get my file updated. So I asked to speak with a supervisor or someone else. She insured me that I would speak to the supervisor then came back on the line asking did I still want to speak to the supervisor as though I just didnt ask. She then put me on mute for about 15-30. I honestly dont know what happened but I didnt speak to anyone after I got off the phone with her. Im trying to buy a house and this is a very big inconvenience because these things were supposed to be off my credit on the third and now I have to wait for Monday to call and get this situated. I also recorded it because I knew she wasnt trying to help and Im sure you guys have a recording of it as well.
Consumer complaint received 2021-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I was scammed by a person that claimed themselves as an ICE agent. She was calling about my un-updated alien number. She said that I need to send an " Immigration Bond '' {$1900.00} fund and if my investigation is cleared, the amount of {$1900.00} will be refunded back to me. Even though the transaction is pending, Chase and XXXX refused to help me reverse the transaction. I filed a police report on this case.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Everytime I submit a dispute with Bank of america, they never do anything. My money has been stolen more than once and they never help me. They don't care. 3 times I have had to submit a dispute and every single time my claim has been denied. I have heard about them doing this to other customers and something must be done, its not right. Someone stole my money from the atm and I'm sure it can be proven that I wasn't the one as I woke up in the hospital without my possessions and they still denied my claim. Before someone stole almost XXXX and they denied that claim as well. This is just ridiculous.
Consumer complaint received 2021-08-07
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

This is a follow up to my complaint I made last year ( XXXX ). Hyundai Motor Finance did the same thing to me again this year. My bill went up by {$2.00}, but the auto bill pay didnt adjust until a month later, leaving me with late fees.
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX,
Consumer complaint received 2021-08-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

On XX/XX/2021, I sent out a dispute letter to Experian in regards to inaccurate reporting on my credit report on both XXXX XXXX credit card accounts. By law, according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days or less which I never received. On XX/XX/2021, I sent out a demand to comply letter to remind Experian to respond to my dispute letter and I still have not received a response to date.
Consumer complaint received 2021-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

I am a small business owner who qualified for the sba eidl loan. I received the loan last year with no problem in my personal account but I recently received the grant money and now there is a freeze on my account. I have submitted all the proper paperwork but my account is still frozen. This is the account that I get direct deposits from my job and pay bills out of. I don't understand why it's still frozen if I have completed all the necessary channels to provide proof that I qualify for the money. Plus it's grant money not the loan!
Consumer complaint received 2021-08-06
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: JPMORGAN CHASE & CO. (GA)

Problem : Chase Bank allowed a vendor subscription purchase on a locked card. Then, charged fees and interest. Several months later, I was alerted to the charge and I called Chase to report this issue. The phone number on their website is incorrect and did not point me to a correct number. Once I found a good number, the first customer service rep hung up when attempting to transfer me. I called back. The second customer service rep and manager gave me the run around. The attached file shows the following : 1 ) Account has been locked since XX/XX/XXXX 2 ) Chase message that purchases are not allowed on locked accounts 3 ) Vendor subscription purchase allowed in XX/XX/XXXX. Fees and interest charged on this expense. 
4 ) Incorrect phone number listed in customer service portion of the website.
Consumer complaint received 2021-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (GA)

My XXXX payment was misapplied by TMS Customer care for XX/XX/XXXX. I have called repeatedly requesting assistance with this error. My account is showing delinquent. But it is not. I am only due for my XX/XX/XXXX payment. I have also still not received my escrow surplus from XXXX. My payments are paid outside of my Chapter XXXX, and each month I make my payments directly to the money source. Customer care has been unwilling to assist. 

Loan number : XXXX
Consumer complaint received 2021-08-06
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: Navient Solutions, LLC. (NY)

the following accounts appear on my credit report, they do not belong to me, they are hurting me, please review them Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft NAVIENT Account Number : XXXXXXXX This is not mine. 

4. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

5. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

6. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

7. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

8. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

9. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

10. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

11. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

12. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-08-08
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)

XXXX  is allowing XXXX XXXX  to furnish inaccurate information on my report! I disputed this alleged charged-off account XXXX before on the here ( The Consumer Financial Protection Bureau website Complaint ID XXXX ) I stated the alleged account has the wrong date of first delinquency with proof of the payment history calendar contradicting the date of first delinquency. Yet XXXX  Verified the alleged account. Then sends me a credit report stating the alleged Data furnisher/Creditor has verified that the date of last activity is reporting correctly yet the credit report did not furnish any date of last activity or date closed for the account however they did furnish the same inaccurate date of first delinquency this is inaccurate and incomplete reporting at best!!! 

I also Disputed the date of this Alleged account of first major delinquency with XXXX  received the same response. XXXX  Claimed they did an investigation but when they allegedly " updated the account '' The status date was not updated and is still outdated by 3 years which is a violation. 

Transunion Claims that XX/XX/2018 is the last payment but the alleged payment calendar suggests it is XX/XX/2018 both dates can not be correct and both are not consistent with the alleged date of the first major delinquency shown on XXXX  which means all 3 credit reporting agencies are furnishing inconsistent data I demand a reinvestigation on this alleged charged-off account immediately. After the reinvestigation I want this alleged charged-off account deleted immediately If this alleged charged-off account is verified I demand the credit reporting agency to upload/send a method of verification to this consumer portal or to mail it to this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX who I have given power of attorney to, to handle this unethical reporting by the aforementioned credit reporting agencies I want to know who was contacted when you contacted them, the name of the representative who was contacted with the date of the investigation, and the procedure you utilized. Section of 611 ( a ) ( 7 ) states that you must give me : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by no later than 15 days after receiving a request from the consumer for that description listed above.
Consumer complaint received 2021-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.