davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX, a fraudulent purchase was made by someone who hacked into my XXXX account. On XX/XX/XXXX, I noticed that {$1200.00} was missing from my account and found the transaction in the pending section of my online account information. I immediately contacted Bank of America to let them know that I did not make this purchase. The representative told me that they would open a claim and investigate the transaction. The representative stated that the money would likely be returned to my account in 5-7 days, but that an investigation could take up to 45 days. While I waited for a response from Bank of America, I noticed that the pending charge was moved from pending to Authorized, even though I had already contacted Bank of America to let them know I did not make the purchase. I received a notification via email that I had a message from Bank of America in my XXXX XXXX on XXXX. The message stated that my claim was denied and only gave the following information : Our records show the transaction activity in question was authorized and posted correctly to your account. 

I was in the hospital giving birth on XXXX, but once I was released on XXXX, I contacted Bank of America to see why the fraud claim was denied. The representative stated that the claim was denied because I " had an extensive history purchasing with XXXX ''. 

XXXX is the biggest company in the world. Of course I have ordered from them in the past. I do not have a history of making $ XXXX purchases from XXXX XXXX I have been a Bank of America customer for over 10 years and I do not have a history of making fraud claims. I feel that, in this case Bank of America, did the bare minimum of investigation into this claim. XXXX sent me an email on XXXX letting me know that my account had been hacked and that this purchase appears to fraud. Bank of America obviously did not contact XXXX to investigate this claim. The email from XXXX was faxed to Bank of America on XXXX and I am currently waiting for my claim to be re-reviewed. I feel disappointed that my bank, who I have been a customer of for over 10 years, would allow someone to take $ XXXX dollars from my account and then deny a fraud claim without any substantial investigation. The timing of this is awful. I have a hospital bill that I was planning to use this money to help pay for, I will be on maternity leave and not receiving my typical income, not to mention the pandemic.
Consumer complaint received 2020-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

Around XX/XX/2020 I received an unsolicited debit card from US Bank, in violation of law. On XX/XX/2020 I sent a certified mail to XXXX XXXX, in XXXX, FL XXXX to request the cancellation of the card. I did not activate the card. 
I suspect that someone else is trying to open an account under my name.
Consumer complaint received 2020-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I have not had a XXXX XXXX  account since 2009 when I terminated it owing nothing and switched to a different provider. Since then for the past 10 years I have been getting letters claiming I owe {$720.00}, despite multiple attempts in writing, XXXX XXXX keeps harassing me. They have even fraudulently adjusted dates it seems in order to keep harassing me. Not only did I know owe what was claimed ... it's been TEN YEARS since I had a XXXX account.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX  are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-02-05
Product: Credit 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: U.S. BANCORP (DC)

The XXXX dispute form is throwing an erroneous bug ( " The date doesn't look right. Please double check and enter a valid date using the following pattern ( mm/dd/yyyy ). " ), despite using their calendar pop-out. Error atttached. 

Description : XXXX XXXX XXXX XXXX Dc Location : XXXX, United States Date : XX/XX/2023 Transaction amount : XXXX} Dispute amount : XXXX Shown in the XXXX XXXX XXXX ( aka XXXX ) account summary attached, both my credit card ( {XXXX bill amount plus XXXX credit card convenience fee ) and ACH ( {XXXX  withdrawal ; proof attached ) was charged ( bill attached ). I have already filed complaints with XXXX  ( attached ) and the Public Service Commission of the District of Columbia ( attached ), though ( till now ) no resolution has been reached yet with XXXX through either organization.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is lying to you and me about responding to absent credit information. They claim to be responding and do not. First they promised to correct the information by XX/XX/XXXX. Then they needed until XX/XX/XXXX. Now they claim to need until XX/XX/XXXX. They have collected my personal information, which they already have, XXXX times. Why can't you do anything about this? They are lying when they tell you they have responded and you fall for it again and again and again.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX : XXXX XXXXXXXX XXXX - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX  - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (SC)

This is my second complaint against SUNTRUST! This company has continued to hold funds that were provided to be for my business. However, suntrust has made it their responsibility to mark my account as fraud. Although my account is legal and the funds were deposited legally!! This is money that I provided to me to help support my business. How dare Suntrust deny me my funds! Ive also received nothing but run around a from this company. This company is disgusting in how they do business and they should be shut down! Ive banked with other banks before and decided to try suntrust! And this has been the worst mistake!!! The only reason I chose them for my deposit is because they had a promotion going on! Ive been dealing with this since XXXX! Ive even contacted the company that provided the funds and they have not stated anything about the check being fraud, which means SUNTRUST has taken this upon themselves to do this without reason which is unethical! This is complete discrimination because they have no basis to hold my funds this long! SUNTRUST also has not contacted me about why they are still holding the funds or given me a reason why the investigation is still going on. I really wish that someone would at call me or email me directly! I have receive a check for XXXX $ but they are still holding on to my XXXX $ and I want my money released immediately!
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I contacted Fifth Third disputing the lengthy hold and also the fact the check had cleared and I could verify the funds had cleared and they stated there was nothing they could do and that funds would not be available for 7 business days. This is not acceptable since it is drawn on a local bank, plus the fact the funds had in fact cleared and there is proof of that, they apologized and said there was nothing they could do.
Consumer complaint received 2023-01-05
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. (TN)

I would like to file a complaint on both agencies Transunion and XXXX for reporting inaccurate information in regards to one account XXXX XXXX XXXX. I have gotten results back from both agencies and both agencies are reporting two different FEDERAL removal dates within a 3 month difference for this one account to be removed which is impossible if they were reporting the information the creditor has furnished to them correctly. Transunios results state " we have verified this account belongs to you '' which they have miscategorized my previous request in which I had already put them on notice that the estimated month and year this item will be removed was inaccurate because the payment history does not prove it. trasnunion had failed to fix this error because the date remains the same. I've never once denied ownership of this account with transunion and experian, my disputes have always been based on inaccurate reported information. 

TransUnions results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX XXXX results XX/XX/XXXX federal 7 year removal date XX/XX/XXXX to my understanding 1681i ( a ) ( 5 ) ( A ) ( i ) if AFTER any reinvestigation a item remains inaccurate, incomplete or can not be verified the reported item is suppose to either be Modified to the maximum possible accuracy 1681e ( b ) or Deleted. This account has not been modified accurately. how is it possible that both agencies conducted a investigation with the same creditor and supplied Mme with results but both results reflect different FEDERAL information. the payment histories with both agencies report the same date of commencement of the delinquency date of XX/XX/XXXX further more proving that both agencies are not even reporting the correct month this account is schedule to be removed. to my understanding according to 1681c ( c ) ( 1 ) the 7 year period shall begin on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. Such date is required to report and report accuractly with respect to any deliquenct account. Both agencies are reporting inaccurate information and have illegally re-aged this one account and is not reporting what capital one has furnished to them correctly. I've disputed with the consumer reporting agencies and gave them a chance to fix this account on numerous attempts, I have disputed with XXXX XXXX under XXXX tracking XXXX and waiting for there response in the mail.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank is the servicer for my XXXX XXXX XXXX account. 

Whenever you engage in a phone call with them, either you call them, or they call you, they record the call whether you give permission or not. If you state you do not consent to recording, they claim they can not turn off recording. My state, California, is a " two-party '' ( all-party ) consent state. When someone says they do not consent, the recording party is supposed to immediately discontinue recording. The relevant statute is California Penal Code section 632.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Consumer complaint received 2020-08-07
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: RoundPoint Mortgage Servicing LLC (SC)

I filled for bankruptcy in XXXX and my house with true homes and round point mortgage was not in foreclosure, I was discharged from my bankruptcy XX/XX/XXXX and the house foreclosure hit in XX/XX/XXXX. I spoke to my lawyer over my bankruptcy and he advised me that my bankruptcy cleared my debt to the property and Im seeking the foreclosure on my credit report to be removed due to taking a hit for both a bankruptcy and foreclosure when no debt is due, due to my chapter XXXX bankruptcy.
Consumer complaint received 2020-08-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've wrote through several letter attempts from XXXX 2020-XXXX 2020 to remove inaccurate information and accounts that are in FCRA violations. The accounts are reporting different and inaccurate Account Status, The account are reporting accounts Dispute status as : Account not disputed when the account has been disputed multiple times which, is a FCRA violation. 
Several collection accounts are reporting a payment status, which is a violation. Collection accounts are closed and should not report late payments.
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (FL)

The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

Good afternoon. 

In XX/XX/2022, I tried to make a purchase at XXXX XXXX in XXXX XXXX XXXX XXXX ) Florida. TD Bank flagged that purchase as fraudulent, even though it was within the credit limit. I contacted TD Bank numerous times over the phone between XXXX to XX/XX/2022 to try to get the account open again so I could pay. I was informed that it would be open within a couple of hours every time I was on the phone, however it gave me a " Request could not be processed '' error under the credit card account. Since I was not receiving paper statements, I was unable to pay the bill until the account was open. 

I was unable to access the account since then, and recently received a collection notice for the balance in the mail. TD Bank charged late fees on the account, then NEGATED the late fees before handing it over to the collection agency. 

This is affecting my credit, and I ALWAYS make my payments on time. A simple check of my credit will show you this. I would like TD bank to rescind the late payment on my credit score since I was UNABLE to access my account online, even after speaking to several people over the phone.
Consumer complaint received 2022-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I have previously submitted XXXX claims XXXX and XXXX. Wells Fargo has provided incorrect information. Again my mortgage was never XXXX months past due. Wells Fargo put me on a modification while I was in bankrupcy and did not disclose that they borrowed money from HUD.. Wells Fargo needs to provide a detail payment history of that loan up until the payoff date. I will continue to pursue all parties involved for their negligence in this matter from XXXX XXXX who was the attorney who conducted the title search, Wells Fargo, and HUD. This has cause an incovience for XXXX years to my family and myself.
Consumer complaint received 2020-09-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Onity Group Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this  alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-08-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (DC)

I have an account with Wells Fargo Auto. Wells Fargo Auto merged with Wells Fargo and have made all consumers to login or re-enroll with Wells Fargo. 

WellsFargo.com will not take my information as an existing or new user. After several hours on the phone and being transferred to 4 separate representatives, I was advised that the system did not and would not recognize me because there are two profiles. I had a personal banking account over 10 years ago under my maiden name. Because of that WellsFargo is not a allowing me to log in using my current login info and they are not able to merge my account unless I personally go into a branch by appointment or mail them documents ( proof of marriage, name change, etc ).

I do not want a personal bank account ( just auto loan ) with WellsFargo and nor do I want to provide the bank with documents they should not need. I was fine logging into my auto loan account and making payments until this merge. I should not be forced to go into a branch by appointment during the pandemic to provide them with documents of my name change or mail them the documents.
Consumer complaint received 2020-08-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

i have sent dispute letters on XX/XX/2020, as of today date XX/XX/2020 i still have not received anything from the credit bureaus. i feel the time frame as been long enough to contact me with what im asking for.