davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

Credit Bureau refuses to reinvestigate accounts where documentation has been provided to them stating that the vendor amounts are incorrect and has no information or data on accounts.

Credit Burasu refuses to provide any documentation and method of verification, but instead telling me that I need to contact the vendor.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2021 XXXX transactions of {$1600.00} ( XXXX XXXX XXXX XXXX XXXX  XXXX ) and {$890.00} ( company name XXXX XXXX XXXX : XXXX XXXX ) where done in our account in Bank of America, we call the bank immediately because we didn't approve them. We file a complaint because they took our money even though it was not approved by us. They sent us an email saying they received the forms with the complaint. Case Number : XXXX and XXXX On XX/XX/2021 a new transaction not approved by us was made by the same company of $ XXXX.And a new investigation was open with the bank. Even tough we don't know this company or approve any transaction with them. 
Today XX/XX/2021 we are checking the status of this dispute with the bank and they are saying it was closed because it was too late and it was more than 60 days. And when we called the first time in XXXX, they said we had to wait 90 days for an investigation to happen. 
We are not getting anywhere with them. We need our money bank that's it. 
We also went to the bank personally and no manager to give us an answer.
Consumer complaint received 2018-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (NJ)

I contacted Wells Fargo Dealer Services to discuss my auto loan due to my vehicle repairs being above the value of the car and the amount I owed. I originally asked for a settlement on my loan on XX/XX/18. The next day a representative called to say I was offered a settlement of {$4500.00} a savings of approx. {$800.00}. I stated I would need to think about it. I called again on the XX/XX/18 and asked for a lower settlement of {$3700.00}, I was told it is not negotiable. I called again on XX/XX/XXXX for the settlement in writing I was told that I could not get that because I did not accept the settlement. In turn I accepted the offer and then was told I still couldn't get it in writing because I didn't pay it yet. On XX/XX/18, I paid the account at the local branch and the teller informed me my balance was around {$5200.00}. I told her that is my payoff not my settlement. The banker called dealer services to inform them that I in fact made the payment and asked if I could get something showing it was paid as agreed. They told her there was nothing that I could get but they saw the settlement offer and I would receive a letter and title in the mail. The following day I checked my account online, my payment showed has a very large regular payment with part going towards principle and the rest going towards interest. I called, they said it would take a few days but would be fixed. I checked the next day and the payment was adjusted however, the loan is still not showing it is settled. The account is showing a balance of {$800.00}. With another phone call I reached the " office of the president '' I was told that the issue needed to be researched and someone would call me within 48 hours. I received a call on XX/XX/XXXX and XX/XX/XXXX to have to restate my issue again resulting in another stall tactic saying they would need to research this issue. I called for an update and was told they were needed to speak with the person that offered the settlement and to give them more time. After calling for another update on XX/XX/18 I was told that they spoke with the person that offered me the settlement but they are searching for the " document ''. I asked why we can't find whatever it is we are looking for I did not get a straight answer.
Consumer complaint received 2019-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

My father 's broker ( XXXX ) pays his monthly car payment to GM Financial by check. For his payment due XX/XX/2019, in the amount of {$450.00} was sent on XX/XX/2019 to : GM Financial XXXX XXXX XXXX XXXX, Az XXXX That is the remit to address provided by GM Financial. The check was endorsed on XX/XX/2019 and cleared dad 's bank of XX/XX/2019. It remains unapplied to his account. I spoke with XXXX by phone. She told me they did not cash the check, saying that they bak with XXXX XXXX XXXX, while the check was endorsed to a XXXX XXXX account. I asked for help from XXXX in identifying the company that cashed the check, but have not heard back as of yet. I suspect that a lockbox service provide misdirected the check, but I have no way of knowing for sure. Despite the fact that I indicated to XXXX that I view this as GM Financial 's responsibility, I have received no support from them on the issue.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Convergent Resources, Inc. (NV)

Received an alert from XXXX XXXX that I had a negative reporting. It said the account was open XX/XX/XXXX. It also had a FCRA dispute notice already attached. I called Convergent, after 3 calls was told that I needed to call XXXX. No help with resolution just 2 hang ups and 4 transfers. Then I was provided an address, account #. I asked if my DL or DOB were compromised and the lady at extension XXXX said the account did not have any contact or verifiable details beyond name and ss #. She said the account was actually from XX/XX/XXXX notXX/XX/XXXX, but that they would continue to report unless XXXX  said otherwise. She advised to contact XXXX. I contacted XXXX who said I needed to provide a copy of my dl to be scanned at the store to garner any info. I explained that I needed to know basic info to file a police report, they claimed they needed a 6-10 digit pin for the account. Explaining that I would have no way of knowing, I gave my preferred pins to see if any would work. I was told they did not and that even providing my personal details that I would not be able to access the account info. I have identity theft alerts on my credit report and have since XX/XX/XXXX.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XX/XX/XXXX I made a payment my due date is XXXX  of each month on the XXXX I was charged a late fee again inXX/XX/XXXX I made a payment the min or more and on XX/XX/XXXX I was charged a late feeXX/XX/XXXX I made a payment the minimum or more and on XX/XX/XXXX I was again charged a late fee XX/XX/XXXX a payment was made min or more again onXX/XX/XXXX I was charged a late fee Each month I paid within the month before the due date and was assess a fee. this is predatory and illegal. XXXX  reps said they can give me a COURTESY ONE TIME and refund one late fee. this is unacceptable as I was charged 4 times {$38.00} wrongfully. I absolutely want every single fee returned. In the month previously stated my bill was paid on time. Telephone reps refuse to refund me and I've tried messaging them on the site and im getting the same message. one late fee was returned. That is unacceptable.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (MI)

On XX/XX/2022 I wrote a check for my mortgage in the amount of {$2000.00} to first merchants bank. On XX/XX/2022 the check was deposited and cashed into an account at XXXX. The check was clearly written to our mortgage company. We contacted our bank which is Old national bank and we told to make a police report to report fraud. We did. Old national then said that they would reach out to XXXX with phone calls and letters which they did with no response from XXXX. Old national bank now says that they can not do anything until the other bank contacts them. Old national bank will not help us do to not having a bank manager at the bank the check originated from. They are FDIC insured for this reason and we still can not get any help. They have told us to file a complaint with you.
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

Truist Bank allowed fraudulent XXXX transactions on my account without notifying me through email or phone notifications. I did not authorize these transactions. I repeatedly explained to them that I did not authorize these transactions, to which they claimed that I did. Truist allowed this criminal to drain my checking account of my financial aid refund, that I need to pay for school supplies. I have no current funds, as my account is frozen. I am a student who is unable to afford the basic necessities to live, nor can I pay any of my required bills. I now have to take a leave of absence from school because Truist allowed my government-funded loans to be stolen, and am facing homelessness. The negligence of this bank expands to the fact that they allowed this criminal to be able to transfer funds that exceed the daily amount of {$2000.00} that can be transferred through XXXX. Another example of their negligence is I went into a Truist branch to speak to a bank teller who reassured me that my funds would be returned to my account and that none of the current pending fraudulent transactions would post. That was a lie, and even after they blocked my account, they allowed further fraudulent transactions. The lack of care and empathy that is given to those who entrust their money to this bank is unacceptable. Throughout this entire claims process, they were extremely unprofessional and quickly denied my claim without thorough investigation. I sincerely hope that this complaint will help me achieve justice because not only was my financial aid refund stolen, but also my ability to attend school.
Consumer complaint received 2023-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (GA)

Repeated calls everyday, leaving no message as to their business matter or any message whatsoever ; they hangup. When I have answered calls the call is either : disconnected or routed to an automated service with no ability to speak with someone. 

I owe no debt other than Student Loans and their calls are stress to me and cause inconvenience.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AZ)

The FHA loan was paid off with Specialized Loan servicing in XXXX of this year ( account # XXXX ) and the credit report still shows the mortgage as open and not paid in full. I can not get any information online or with the loan company because I keep getting a message that the account is paid in full, and the online information is no longer there because the loan was paid off when I refinanced. This is effecting my credit to date. 

I am requesting that Specialized Loan Servicing update information with all credit bureaus showing the loan is paid in full!!
Consumer complaint received 2023-03-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-04-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: LDF Holdings, LLC (NJ)

I applied for a payday loan with XXXX XXXX XXXX, I applied for a {$500.00} loan and that quickly became nearly {$1000.00} payback amount. I made multiple payments to them in the amount of {$140.00} bi weekly for about two months. I then tried reaching out to this company via phone multiple times for a time period of over a month, I left multiple messages and emails and never heard back, I was left with no choice but to call my bank and have them issue a stop payment as the funds were still being deducted directly out of my account. I still did not hear back from this company up until Friday XX/XX/2018 with a threatening email from a debt collector named XXXX XXXX. This person threatened me with court appointed action if I did not agree to reach out to him and settle this debt. I explained that I was interested in making payments in order to resolve the issue and asked if I could receive receipts for all future payments I make and payments already made and was told to refer to my bank statements. I need help, a I am being harassed by this company at work, home and school via email, phone and even text.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
Consumer complaint received 2018-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (MO)

When I called the XXXX number to find out where can I print my XXXX forms when I spoke to the rep I answered all my info which is card number, first and last name of the account, date of birth and my online id I use then the rep said " We can't help you because you are phishing someones account even though I was the one who knows what the question are I told them that " I was the account holder NOT a scammer or a thief of my own account '' and then I hung up and called back 5 minutes later I told a other reps that I know the questions are being asked when you call the number on your back of your card then the rep said I was doing a fraudulent act on my account then when I tired to speak to a supervisor and they refused.
Consumer complaint received 2018-12-10
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. ()

Dear Sir/Madam, The issue is based on complaint dated XX/XX/2018 between Chase and XXXX XXXX XXXX XXXX Complaint ID:XXXX and the complaint was resolved. Therefore, in resolution chase requested me to submit my bank statement and any details to locate an account with me with XXXX XXXX XXXX.

Am here by submitting the bank statements and the National registration card as proof of identity documents to be forwarded to Chase bank as per request to transfer the funds via XXXX. Chase wrote to me on XX/XX/2018 that they need more information from me before they can research my request.According to my best knowledge this issue have reached the final stage if Chase bank can access the documents which is attached as per request.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I got an alert from XXXX and Equifax and XXXX that my account is 60 days late which is not correct I brought my account current as of XX/XX/XXXX so why am I being reported 60 days late. I called the number on the back of the card and got the run around. I made a payment of XXXX dollars on XX/XX/XXXX then I made a payment of XXXX dollars on XX/XX/XXXX which brought it current then XXXX XXXX XXXX   reports me 60 days delinquent on XX/XX/XXXX which is incorrect it should be reporting current.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (PA)

N accordance with the fair Credit reporting act XXXX  account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I have the right to privacy. 15 u.s.c. Section 604 A section 2 It also states a consumer reporting agency Can not furnish A account without my written instructions XXXX XXXX, us department of education
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC (MN)

I hired Lexington Law Firm to remove erroneous information from my credit report. I spoke with a representative and explained my needs. I understand that it can take 30-60 days for a response. They continue bill me for XXXX  XXXX that I did not ask for while I await a response from creditors. Ironically the erroneous charge on my credit report is only {$350.00}. I've paid Lexington {$910.00} for services.
Consumer complaint received 2018-04-10
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. (CA)

I am a victim of identity theft and as a result, fraudulent activities were linked to my account listed below with this company. I attached all the relevant documents that this company needs to verify my claims on XXXX.XXXX.18, but to my surprise these company failed to block/update these fraudulent account within 3 days as required by law. 
Please note the below account is linked to fraudulent charges please delete asap : XXXX  ac # XXXX please delete this accounts fraudulent charges.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a Huntington bank account on XX/XX/XXXX. Less than 12 hours later my account was closed with no notice, no reason, no one at the bank could tell my why it was closed. I was told I would be sent a later maybe. I put about {$300.00} in this account. Had to wait 3 weeks for the check to come in the mail. The letter that I might receive never came with the check. This is a clear violation of my consumer rights. This is not optional when a consumer enforces his/her rights the consumer must be given a specific reason why the account was closed and it must make sense. I want my rights enforced by the FTC. The photos below are me trying to log in and it said I guessed to much which is incorrect because I had the papers from creating the account right next to me. So what they did was disabled my account and never told me because how could they when it happened less than 12 hours of opening the account. Its not a Credit product so using my credit score was illegal. I also had {$300.00} for bills tied up in a financial institution by employees who only follow policy and not federal law. You are better off using crypto currency retaining all control of your money then to use a financial institution backed by nothing.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

N accordance with the fair Credit reporting act XXXX account # XXXX, has violated my rights 15 u.s.c. 1681section 602 A. States that I have the right to privacy. 15 u.s.c. Section 604 A section 2 It also states a consumer reporting agency Can not furnish A account without my written instructions XXXX XXXX, us department of education
Consumer complaint received 2023-06-28
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: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX 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.
Consumer complaint received 2024-02-29
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. (CA)

On XX/XX/XXXX, I submitted an identity theft report asking the credit reporting agencies to block and remove fraudulent accounts from my credit credit file. On XX/XX/XXXX, the credit reporting agencies responded claiming that the creditors certified that the information was true and accurate, there was no change as a result. On approximately XX/XX/XXXX, I made a second attempt requesting that the credit reporting agencies to provide me with the method of verification that they used to conduct the original verification required by law. On XX/XX/XXXX I received notification that instead they did a reinvestigation of the inaccurate accounts, claiming that the creditors certified again that the information was true and accurate, and there was still no change as a result. At this point it is very evident that the credit reporting agencies has violated my rights according to 15 USC 1681o ( a ). I also provided them with proof that the item was deleted and not reporting on my credit report with XXXX which also makes them in violation pursuant to 15 USC 1681n for Wilful Non Compliance.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of identity theft. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have fraudulent accounts on my credit profile that need to be removed immediately.