davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-08
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. (MD)

XXXX - XXXX XXXX {$1300.00} Transunion XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX - XXXX XXXX XXXX {$870.00} Transunion - XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, Transunion says the account was charged off XX/XX/XXXX after being late for 90 days.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I bank with citizens and have done so for many years. My card was cloned and Money withdrawn. Citizens will not refund my money though it was reported in a timely manner and my employer provided proof that I was in a weekly meeting at the time of the transaction. I have never withdrew this much money from my bank especially not at a seedy gas station but still no refund or update. I requested proof of the investigation. I never received it and when I called back they started no one requested it.
Consumer complaint received 2019-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc (NY)

In XX/XX/XXXX, I contact Credit Adjustments after having my wages garnished {$140.00} ( i'm biweekly so it was actually {$280.00} a month ). I explained that I could not afford that and my other bills were backing up ( I had already had my car repossessed once because I couldn't afford to pay it ). I was told that I could pay 5 payments of the agreed $ XXXX/month then I would be back to current and my wages would not be garnished anymore. I would then go on a $ XXXX/month plan and credit organizations would be notified and so would my work. It was my understanding the payments were consecutive and I should be done in XX/XX/XXXX. I even confirmed with this woman on my case and she said " yes, that's what that meant ''. I continued with the wage garnishments with the understanding they would end fairly soon. 

In XX/XX/XXXX, I noticed they were still taking the full garnishments and I was told the person I spoke to previously hadn't told me the truth and it was 5 monthly garnishments NOT based on every paycheck so I would be done by XXXX instead. This is when I was officially signed on to the repayments and {$10.00} were taken every paycheck. On XX/XX/XXXX, I called Credit Adjustments and spoke to someone 4 times that day ( I have record in my phone ) and they told me that I just had to get to the week of XX/XX/XXXX and I would have fulfilled the loan requirements and again they didn't understand why the previous person had told me differently. 

As of my paycheck on XX/XX/XXXX, a garnishment was still taken out. I called on XX/XX/XXXX and was told that the people I spoke to on XX/XX/XXXX had not put in a " stop garnishment '' request for me even though I had asked them to do so when they told me it would end in XXXX. On XX/XX/XXXX I was told that they could NOT refund my money because a " stop garnishment '' request had not been put through and they can only refund after this request is put through and a garnishment occurs. Even though this person admitted that he saw that I had called on XX/XX/XXXX several times. 

I have been dealing with this for 9 months at this point and I get a new story every time I call. I can not afford to continue to do this. I have been late on my car payment several times and this is tanking my credit.
Consumer complaint received 2019-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (CA)

On or around XX/XX/XXXX a withdrawal from my checking account was transferred to an external bank account for a name of a person my wife or I have never heard of in the amount of {$1600.00}. And another on XXXX XX/XX/2019 for {$1600.00}. My wife noticed and notified me. I called Navy Federal Credit Union and file a fraud claim with them that day. The payment that was deducted that day was returned to our account a couple of days later. I was told someone accessed our account and it was with an email we had never used. We were not notified of the change to our account we have had for about 20 years. The security department took the claim and looked into it and told us there was no error, but they did not talk to us and we were never notified when the new access to our account was established. No explanation was provided about the transactions or what they investigated only that their was no error and we were responsible for the funds. I set up the first ever external bank account to transfer fund to and did that in person at a navy federal in XXXX off of XXXX XXXX. and transferred the funds in person and the second time too. Find it suspicious it all happened around this time that is when someone accessed our account with other emails and I was not notified. Security department has provided no information other than no error.
Consumer complaint received 2022-03-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a recent complaint against Equifax, but it is not in the CFPB system. Why not? 
The Complaint ID # was XXXX. Now I will repeat my original complaint. 
I have attached eight ( 8 ) letters that I have sent to Equifax since XX/XX/XXXX. 
I have repeatedly disputed two accounts : XXXX XXXX Bank XXXX and XXXX XXXXard Services. 
Equifax has repeatedly failed to comply with the FCRA in numerous ways. 
Equifax failed to inform me of the results of their investigation. 
Equifax did not perform its own independent investigation beyond what some creditor may claim. 
Equifax failed to mark either account as disputed by the consumer, which does damage to my credit scores because if Equifax had complied with the FCRA and marked my accounts as disputed, some credit scoring models do not negatively assess disputed accounts and my scores would not be lowered. 
Equifax ignored my questions in my XX/XX/XXXX letter. 
Equifax made false claims in my XX/XX/XXXX letter ; I did not indicate fraudulent items, I requested a re-investigation, which Equifax failed to conduct. 

These two ( 2 ) accounts must be deleted for inaccuracy and FCRA violations for years.
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (GA)

American Express serve closed my account for unexpected reasons unknown. My payroll check was directly deposited into the account. When they closed the account I still had a significant amount of money that I was not able to get to because they ( AmEx ) locked my account from being logged into. As well as locked the card from further transactions. When I contacted AmEx regarding issues at hand I was given the run around. The issue had not be resolved and AmEx even blocked my contact number from being able to contact AmEx. I have called AmEx from a different number and still the issue has not be resolved. I do have conversations recorded where a manager from the AmEx XXXX branch in the XXXX actually stated a balance amount that was left in my locked account.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CFS Holdings, Inc (CA)

I paid the total balance of {$4000.00} to Dignifi formerly Confident Financial Solutions via electronic transfer from XXXX using the same account number but Dignifi sent another bill that they did not receive my payment charging me late fee and their customer Rep told me that they're not affiliated with Confident Financial Solutions with instructions to get my payment from Confident Financial Solutions and pay Dignifi using the same account number. Many times attempted to call Confident Financial Solutions but it transfers and brings me back to Dignifi company ... so where did my payment of {$4000.00} go then? Please help me get my money back and find out if Dignifi formerly Confident Financial Solutions still even exist. Thank you and may XXXX help and bless you and your good office.
Consumer complaint received 2019-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Contacted Bank of America through XXXX XXXX in regards to the balance owed. Bank of America never contacted me about the {$37.00} balance owed or was shipping the documentation to the incorrect address. My current number is the number I have had for more than 6 years, and I have no record of being contacted by them.
Consumer complaint received 2019-01-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NC)

My wife and I are hurricane Florence evacuees. Our only residence sustained significant damage from Florence, over {$350000.00} in damages. We are currently renting a house until repairs can be completed. These are stressful times. All our damage is wind related and our wind policy is with XXXX XXXX XXXX XXXX XXXX but is handled by our homeowners insurance, XXXX. At this time, the insurance companies are not our main problem. Our problem is with our Bank/Mortgage Company, SunTrust, not releasing the insurance checks to us the homeowners so we can pay our contractors in a timely manner. The insurance checks have to be co-signed and released by SunTrust. When SunTrust Bank receives the check from the insurance company that is endorsed by homeowners, SunTrust places the check in escrow until certain criteria is met. This is where the problem exist. My wife and I provided all the required documents to SunTrust from XX/XX/XXXX to XX/XX/XXXX. SunTrust received an endorsed check for {$28000.00} on XX/XX/XXXX. Beginning XX/XX/XXXX, I began calling SunTrust and asking for updates. This is a list of events that occurred over the next 11 days that prevented SunTrust from releasing checks : 1. The disaster date on the claim was different from SunTrust date. SunTrust had the incorrect date and as of XX/XX/XXXX, has not been corrected. 
2. SunTrust Rep was working off a dated adjuster worksheet. I  immediately emailed the updated worksheet that clearly matched the check amount. 
3. SunTrust rep was working off a dated adjuster worksheet again. I resent the updated worksheet again that cleared the discrepancy. 
4. I managed a 3 way phone call between XXXX Rep, SunTrust Rep, and myself to eliminate any other concerns. At the end of the conversation, It as my belief that the check would be released in a day or two. Did not  happen. 
5. Called on XX/XX/XXXX and talked to XXXX, SunTrust Rep. XXXX was very professional and we went through information item by item. XXXX stated that SunTrust did not have one contractor 's estimate signed by all parties, Contractor, my wife, and myself. This document was uploaded via SunTrust website on XX/XX/XXXX. I sent this document again on the evening of XX/XX/XXXX. XXXX also said that the date issue had not been corrected, but while we were talking, XXXX corrected the date issue, I hope. 

Policy Claim Number : XXXX SunTrust Tracking Number : XXXX Regards, XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (OR)

My issue is with Chex systems sometime in 2017 they reported an account from XXXX XXXX stating that I somehow owed them XXXX XXXX XXXX dollars which was completely false they never even let me open the account I had paid a XXXX dollar account opening fee that they refunded back to me right away I didnt have the account open for one whole day before they closed it and gave me the XXXX dollars back so I disputed this through their system and they denied me they considered it to be valid I dont know how or what they determined their decision based on because it was false on all levels but besides all of that it has been more then 3 years now and by law they legally have to take it out of my name I have tried to dispute it and demanded a request for removal procedure for the false account and all the millions of denied and declined inquiries from all the banks for the last past 3 years
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

I have a grievance against Bank of America ( BoA ) and XXXX.

The Consumer Financial Protection Bureau ( CFPB ) is an entity of the U.S. Government charged with making consumer financial markets work for consumers, responsible providers, and the economy as a whole. Your mandates include rooting out unfair, deceptive, or abusive acts or practices, taking consumer complaints, and monitoring financial markets for new risks to consumers.

Bank of America and XXXX have both begun to target innocent Americans, organizations, and businesses simply because they choose to exercise their Constitutional rights. This is immediately evident in their most recent attacks against the XXXX for advocating 2nd Amendment rights and they have publicly stated this to be true. Why does BoA and XXXX  have the right to deny businesses or individuals the right to banking services because they believe in or support the 2nd Amendment or because they own personal firearms? As a government agency do you not protect me and such others? Large banks like BoA and XXXX receive government benefits and support. Why do they get this if they are attacking our Constitutional rights?

Every American uses banking services in the modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. What happens when they next decide to deny services based on 1st Amendment rights? They deny services to people and organizations based on their religious beliefs or they deny services to media outlets based upon what views they have? It is all the same thing ... denial of service based on discrimination and in violation to the US Constitution.

No American or business should be targeted as a scapegoat for someone elses crimes. No American should be targeted based on their exercise of Constitutional rights. I and my entire family have chosen to close all accounts with these banks, but that is not enough. These type of large institutions can not be allowed to attack people.

Please end this egregious overstep and punish BoA and XXXX for their despicable actions and attacks against innocent Americans.
Consumer complaint received 2021-11-05
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. (MA)

On XX/XX/2021 XXXX Collections reported to EXPERIAN that I had a XXXX  account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by Experian. On XX/XX/2021, I contacted Experian and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted XXXX and they told me it was a civil matter and there was nothing they could do. I have contacted Experian multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. Experian is not helping me
Consumer complaint received 2023-03-28
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. (TX)

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report. 
To date, I have had to dispute incorrect auto collection along with inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquires, or the confirmation of the removal/deletion of the auto collection even with the extensive supporting evidence discrepancies found on my credit report from all three credit bureaus. 

The auto collection : XXXX. XXXX XXXX  with account number XXXX for the original creditor " XXXX XXXX XXXX, XXXX '' for the initial amount of {$30000.00}. This auto-collection has not been removed/deleted even with the extensive evidence. I have attached supporting evidence to show this auto collection is not mine with discrepancies. 
The inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: N.A.R., Inc. (TN)

I was XXXX and did not know i was being contacted as my phone is off. Once it populated on my report, i contacted the company, they threatened to sue and take legal action against. 

I have paid this debit in full I XX/XX/2019 in the amount of {$2500.00}. 

I would like this removed on all credit reports.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX
Consumer complaint received 2019-01-16
Product: Credit reporting, credit repair services, 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 (VA)

XXXX  and/or its XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to XXXX  to not report such accounts.
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hospital Services, Inc. (ND)

I was garnished last year by Hospital Services Inc. XX/XX/XXXX-XX/XX/XXXX. Recently I tried to make arrangements for other debt that had crossed their desk in XX/XX/XXXX for a debt from XX/XX/XXXX. They first refused payment arrangements, then they returned payments in XX/XX/XXXX. Then they served me papers for garnishment of {$440.00} in XX/XX/XXXX. The requested my employer to take {$530.00} in XX/XX/XXXX. They sent my employer the wrong address to send payment to, so when my employer cut them a check on XX/XX/XXXX. I called to see if the had received it on XX/XX/XXXX. They said it was sent to wrong address and I notified employer who also spoke to them about HSI error. Had check stopped and reissued. I called again on XX/XX/XXXX and they said they never received check. I called again on XX/XX/XXXX and she said she wouldn't process right away but had received in on the XX/XX/XXXX. She then stated she would process or notify courts until 2-3 weeks from now of payment made or issue refund for the overpayment. This company has repeatedly refuse to fix or except their errors and should be held accountable.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX