davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
Product: Credit card or prepaid card — Store credit 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: REGIONS FINANCIAL CORPORATION (FL)

On XXXX XX/XX/XXXX we contracted XXXX XXXX to replace two of our HVAC units. The job was assigned to the contractor XXXX XXXX XXXX. The installation was completed on XX/XX/XXXX and financed by Enerbank, Loan # XXXX. At the time of sale the contractor offered us " Satisfaction Guarantee ' '' which allows us to request a full refund back. We've being having issues with contractors job. Specifically the units are not operating properly and the Contractor failed to schedule the XXXX State Required Inspection. On XX/XX/XXXX we started a dispute on the charge paid by EnerBank to the contractor on my behalf. The dispute was for aforementioned reasons. As a consumer I never agreed to purchased inoperable units, and definitely I will not accept any un-permited work, by the State of XXXX, on my Property. The Contractor agreed to refund XXXX from the original loan which was XXXX. The XXXX $ where paid back to Enerbank on XX/XX/XXXX. The remaining balance is still under dispute. I am filling this complaint against Enerbank because : 1 ) Enerbank is trying to charge me interest while we still have an open dispute on this charge. 
2 ) Enerbank failed to send me a notice which 30 days, acknowledging the Dispute we started on XX/XX/XXXX 3 ) Enerbank failed to resolve the dispute with two billing cycles required by law. 
An acceptable resolution for this case is for Enerbank to collect the remaining funds paid to the vendor because the contractor failed complete the job successfully.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CT)

I deposited a check from XXXX XXXX  made out to me on XX/XX/XXXX. I was told the funds would be available on XX/XX/XXXX. On XX/XX/XXXX I was told the check was accepted. The funds were never made available. 

When I inquired I was told that the check was rejected because it wasnt in a format the bank accepts. They wouldnt give me any other information beyond that. 

This was a bank check drawn on XXXX XXXX. 

This appears to be a violation of federal law and the rules of the federal reserve. 

Ill deposit the check in a real bank, but Id like an explanation of why they can break the rules and waste my time.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (MI)

XXXX XXXX XXXX collection appeared on my credit report. I contacted them to ask what this was all about because I have not taken a loan out for a while and I have never taken a loan out with XXXX XXXX, XXXX other than my car loan from many years ago. They mailed me the attached document which tells me nothing about this debt. No validation!
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have made requests for my credit report on Free Annual Credit Report and via phone over the last few months, but Transunion refuses to either mail a report or provide access through Free Annual Credit Report. 

I've requested a copy on the Free Annual Credit Report website weekly and I called TransUnion on the following dates to request a report : XX/XX/2022 XX/XX/2022 XX/XX/2022
Consumer complaint received 2020-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report.I see multiple 30-60 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 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE A DISPUTE THESE ITEMS. AND DIDNOT GET ANY INVESTIGATION RESULTS. THE INVESTIGATION TOOK WELL OVER 30 DAYS.
Consumer complaint received 2019-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (TN)

XXXX : I mailed my car note at the XXXX XXXX XXXX XXXX and found out a month later that my check never arrived. 
XXXX : I called the bank 's automated number and found out that check number XXXX had cleared for {$1500.00}. After talking to a customer service rep who transferred me to a fraud unit and being put on hold so long that my phone battery died, I drove to my branch office along with my dad. We met with a Personal Banker, who gave me a copy of my check which showed that the check had been changed to someone else 's name and for XXXX. We were all very surprised to see that the check did not show my signature and was not dated and the Personal Banker said that the check should never have been cashed. He called the fraud unit and they assigned it to case number : XXXX and said I should hear something within 15 days. 
XXXX : I had not heard anything so we went back to the bank and the same Personal Banker again called the fraud unit who said that were now in day 16 and they would escalate the service for 72 hours. 
XXXX : Still had not heard anything and we went back to the bank and the same Personal Banker was very frustrated that the money still had not been put back on my account. He once again called the fraud unit who agreed to what the Personal Banker had said was obvious that the check had been washed and should have never been cashed since it was not signed and dated. We were again told that they would escalate the investigation to 72 hours. The Personal Banker said that since he was already vested in this, he would call the fraud unit back in 72 hours on Monday XXXX, and keep me updated. 
XXXX : I went to the XXXX XXXX XXXX XXXX and told them what had happened and they said that during the first week of XXXX some mail had been fished from the outside box and they have had several complaints. I gave them a copy of my check which they had requested so they could pass it on to the postal inspector. 
XXXX : I still had not heard anything from the bank, including the Personal Banker who promised to keep me updated, and my {$1500.00} still had not been put on my account so I submitted a complaint to the Federal Reserve. 
XXXX : I received an email from the Federal Reserve explaining that they had forwarded my complaint to the CFPB for appropriate attention. 
XXXX : A month has now gone by and since I still have not heard anything from the bank or from CFPB, I called the CFPB to check on the status of my complaint but was told that there was no record of my complaint and no indication that it had been forwarded to them by the Federal Reserve. The CFPB rep was very nice helpful and suggested that I send a fresh complaint to CFPB.
Consumer complaint received 2020-12-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (TX)

Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received an itemized list that listed no evidence of belonging to me. I later sent a second letter, signed and received by them on XX/XX/2020, advising them to validate or delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me. I received a letter stating they will no longer look into my validation request. This is a clear character violation and lack of validation. I have given well over 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I applied for the capital one quicksilver card this morning. Unfortunately I was declined. On XXXX XXXX   my score was XXXX XXXX and XXXX XXXX before the inquiry. Capital one is the only bank to decline me. I have good income, no credit card debt, and excellent credit but this bank will not approve me. I was suggested to apply but was declined by this bank for the second time this year. This is the only bank who treats me this way. I call them to try to fix this and they transferred me around 5 times and I got no resolution. Then I came to the cfpd. I feel this company is unfair and I am being mistreated. Please help.
Consumer complaint received 2022-07-21
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX, has violated my rights. 16 U.S.C 1681 section 602 A. States | have the right to privacy. 16 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 2018-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arbor Professional Solutions, Inc. (MI)

It is brought to my attention that I have a debt on my credit reports due to an ambulance service. I have never used an ambulance to be transported to a medical facility nor have I authorized anyone else on my behalf. I do not recognize this account for the dates that the collector is specifying I had services performed.
Consumer complaint received 2018-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: REGIONS FINANCIAL CORPORATION (TN)

XX/XX/2018 they said i missed a payment. I have not missed a payment in XX/XX/2018 till this time. I'm a XXXX XXXX and I'm in the process of buying my first house. But it wont allow me to because my credit score is to low. This is a good will letter, to clear all the late reports off my credit with this credit card. reporting to all 3 creditors.
Consumer complaint received 2018-12-10
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. (WI)

On XX/XX/2018 an inquiry was made by XXXX XXXX  using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX XXXX  to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX XXXX  is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
Consumer complaint received 2018-12-10
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. (WI)

On XX/XX/2018 an inquiry was made by XXXX credit using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX credit to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX credit is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
Consumer complaint received 2019-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Plus Inc (PA)

I am receiving back to back calls from ( XXXX ) XXXX XXXX, XXXX XXXX XXXX.. harassing me.. File XXXX ( ( XXXX XXXX ) ) @ ( XXXX ) XXXX ... that i will be handcuffed at work or where ever i am served and arrested as of TODAY XX/XX/19 as the sheriff department in XXXX XXXX PA.., if looking for me for an outstand Warrant for a debt that is on my credit report with an outstanding balance of which i need to give her my credit card number or bank account number ASAP to STOP the ARREST WARRANT!! Ms. XXXX is rude and very disrespecftul and absolutely scary.. I as Ms. XXXX to send me this in writing so i can see this for myself and she replied YOU KNOW ALREADY ITS ON YOUR CREDIT REPORT.. I XXXX XXXX HAVE NOT A CLUE OF THIS COLLECTION AS THIS IN FACT IS NOT ON MY CREDIT REPORT NOT TO MY KNOWLEDGE AT ALL.. I don't have any thing to do with this and i ask for proof as i will not ever give information over the phone Ms. XXXX then curse and hang up on me .. VERY VERY DISRESPECTFUL.. I then called back once i went into the Bank which themn spoke to a Ms/ XXXX XXXX @ XXXX who wanted NOTHING to do with answering these questions about the on going phone call coming from Ms. XXXX and she also disconnected the call .. 
I wanted to address the fact that Ms. XXXX said was going to have me arrested and the Bank said this if FRAUD and gave me FCC website to report this harassment ASAP!!
Consumer complaint received 2018-12-10
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: SYNCHRONY FINANCIAL (WI)

On XX/XX/2018 an inquiry was made by XXXX credit using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX credit to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX credit is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!
Consumer complaint received 2018-12-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

I have dealt with the office of advocacy for navient for several months now whereby they have puts misleading and errant remarks on my credit bureau that never should be there. I have been assured that these remark would be taken off only to be alerted later via XXXX that the remarks have been added back on. I just had remarks put on my credit bureau that state that payment was deferred when in the fact that is incorrect and fraudulent information due to the fact that I am on an income-based repayment plan of {$0.00} a month until XX/XX/XXXX or XX/XX/XXXX next year when I will be consolidating all of my loans over to XXXX. It's bad enough that a 90-day remark from XX/XX/2012 has haunted me for the past 6 years 7 months and navient will not do anything about it and continuously says that the remarks are accurate when in fact they did not own that the loan back in XX/XX/2012 as it was owned by Sallie Mae. I have been continuously denied for credit due to a serious delinquency remark because all 18 loans were marked 90 days late and made XX/XX/2012 and I have asked this organization for months if they would be willing to remove the negative remark a couple months early ( it's been on there for 79 months ) and I have been met with nothing but unprofessional rude discourteous service.
Consumer complaint received 2019-03-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery collections agency keeps violating my consumer rights under the Fair Debt Collection Protection Act by sending me threatening letters and making repeated calls to me concerning an debt : Reference in their letter dated XX/XX/XXXX for an account number XXXX ( XXXX XXXX XXXX ) that does not belong to me. The letter is in XXXX and reference a date XX/XX/XXXX when the allege account went into collections.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders. 

In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations. 

I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
Consumer complaint received 2018-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

On XX/XX/2018 I logged into Navient to check my account and it said I would have an automatic payment of {$270.00} on XX/XX/2018. I made an extra payment of {$210.00} directed at 1 single student loan on XX/XX/2018. On XX/XX/2018 I logged on to Navient 's website and saw my auto pay had been changed to {$39.00} for all 6 of my loans, but I had not been notified as to why it had been changed. This had happened before on XX/XX/2018 and XX/XX/2018, but for different amounts ( from {$380.00} to {$270.00} ). I am unsure why my my monthly auto payment has dropped by 90 % in the past 3 months, but my loans have not dropped by 90 %. I still have over {$21000.00} in loans and I am not in an income based repayment plan, so I should owe more than {$39.00}. It seems that Navient may be recalculating my payments in order to keep me paying them longer. I do not want my loans to be messed up because I am a XXXX  and could be eligible for loan forgiveness. I am not eligible if I miss payments, even if it is the fault of the servicer.
Consumer complaint received 2018-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EASTERN BANKSHARES INC (MA)

EASTER BANK IN MASSACHUSETTS increased my mortgage even if I pay my own homeowners insurance.Tax did not go up and they created involuntary savings account to gain extra funds they can loan further.There is excess of {$850.00} on our escrow unused. 
We contacted them multiple times but no response. 
We asked for a refund. 
XXXX XXXX Loan XXXX XXXX
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 
Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-03-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a letter from Bank of America Dated XX/XX/XXXX informing me that my account has been closed, no reason given. I called the customer service and also the bank and I was told that my account is being investigated and after the investigation they will send me a check of what ever I have in both my checking and savings. I received another letter dated XX/XX/XXXX accompanied with a check in the amount XXXX as what is left in my savings account. While still expecting the balance in my checking I received another letter informing me that after their investigation my account has finally been closed with balance of {$37000.00} and no money will be refunded to me. I want you to use your good office to look into it and recover my money for me. Attached is the letters and balance from Bank of America.
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (NC)

I worked out a paying plan with original debtor in the understanding that it will not affect my credit, but my name was sent to a secondary debt collector and that led to the damage of my credit report. I have being making my payment plan without defaulting.