davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CITIBANK, N.A. (MD)

I obtained in XX/XX/2022 a credit card with Citibank # XXXX, since then I was able to use it a couple of times and then it has always been a problem to use it, so I asked for the cancellation of the account and return of my {$2500.00} deposit money plus an extra {$3.00} on the same credit card, this bank works extremely badly, and so far they have not canceled my account or returned the money, I am tired of calling CITIBANK so I turn to you to help me solve this situation, since I had an accident and I urgently need this money back. 

XXXX My ID is my passport # XXXX XXXX XXXX Cellphone XXXX
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately :
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been a customer for Bank of America for over ten years.

I have NEVER had a check held for more than 3 days most 7 days over that ten years.

No matter the amount and I get all kinds of amounts of checks form {$50.00} to {$100.00} to {$20000.00}.

I recently had a XXXX  of mine that managed a condo trust I had done work for make a check bounce by closing their condo trust checking account before I deposited the check. 
I deposited the check with no knowledge of this. 
The check of course bounced. 

Within a day or two of finding out the issue of the check bouncing I cleared it up as fast as I could by letting the client of mine know and they quickly gave me XXXX transfer, that I then immediately sent to my bank. 
Shortly after this Bank of America started placing hold on all of my deposits for ten days no matter the amount. 
The first check they held unexpectedly almost ruined a job of mine as It was a deposit for a {$28000.00} job I was doing and was a half deposit of {$14000.00} It almost cost me a job and my lively hood of my XXXX. 

I have repeatedly called the bank main corporate customer service line and been given all manner of differing explanations. The most common thread of poor explanation was that they can hold checks at any time. 
My counter argument to them was simply what i stated earlier that in ten years this has never happened, and I believe it was because of this one bounced check. 
They neither deny or confirm and give me the cookie cutter line of we can hold checks for many reasons still no definitive explanation why this is happening ( again I believe because of bounced check 9 they wont confirm this statement ) ) or how losing the holds ( that again have never happened before in ten years of business with them ) will be in place for. 
No absolutely no information at all beyond some non descriptor tag lines of company policies and vague descriptions of what they can do. 

I have been to bank branches locally and keeps getting differing answers at all their branches, XXXX of which told me it will be up to a year they will continue to punish me for this XXXX error of the bounced check ( again they wont confirm thats why but also as stated this has never happened before ) the other I went to last week and they said it was over and the last few checks went through fine and now again this week back to a XXXX day hold??? What the heck??? 
So the hold is on then off then on then off????? And still no explanation. 
Right now XXXX sitting int he parking lot of XXXX XXXX XXXX in XXXX where I was made a fool of last week by a bank representative when the hold appeared off and all looked ok and he said I dont understand why your upset and i promised him i would be back and say i told you so .and XXXX filing this report before i go back into the trenches of this battle as I just got off the phone with XXXX of your representatives whom instructed me to file this report. 



Please help
Consumer complaint received 2018-04-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

i am writing today in hopes that you can retract the 30 days late you have reported me at the end of my lease on XX/XX/2018. 
here is what happened i returned my viehcle to my dealer once i did that i had thought that there was no payment due so i didn't make any further payments. 
i dont think that i got any statements after i gave back my vehicle if you sent any because if i had received it it would have made my payment.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

There are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-10-19
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 (AZ)

I applied for a credit loan XX/XX/22 for a furniture store through Wells Fargo and it shows as a hard inquiry which is understandable. My concern is Wells Fargo has sent me a terms and condition attachment with no other information if I got approved or not. I contacted Wells Fargo on many different phone # s provided and they are not able to locate any information in their systems with my SSN #, full name and phone number. I explained to them that I show on my credit report that a hard inquiry is on there from them so someone should have that kind of information to run my credit. They advised me to contact the credit bureau to submit a complaint and now here I am
Consumer complaint received 2023-04-10
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. (TX)

When I reviewed my credit report, I discovered that an account 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 needs to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-09-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (IL)

On XX/XX/2019 i took out a loan with speedy cash for XXXX . My first payment of {$100.00} for the loan was extended out to XX/XX/2019. I was led to believe that this was a true and actual repayment plan, but " secretly '' it appears to be another date which forces me to accrue unwanted interest. Every pay period since the loan has been out someone at the store location changes the due date of the loan. If no fraud is being committed why would it show on their internet website for my account information, as well as phone call reminders a few days before that my loan payment is due on one date, but secretly someone at the store has it appear as if i called to change my payment date. When i call customer service to complain they can only tell me dates to which a request to change the due date was made. I have " NOT '' spoken to anyone at the store location since XX/XX/2019 when i was there taking out the loan.
Consumer complaint received 2018-10-09
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: EQUIFAX, INC. (TX)

I am a victim of identity theft. The accountsXXXX.and XXXX  XXXX XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. The accounts are also reported multiple times which is against the FCRA
Consumer complaint received 2018-04-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NJ)

I traded my car the new company that was supposed to pay off the old loan did not pay accordingly so now it shows late payments on my credit reports which in fact are not my fault I asked for them to be removed multiple times from the company and Credit bureaus with no success also I wrote to the credit bureaus about removals of unauthorized inquiries without success these problems are hindering me from accomplishing my goals
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have provided XXXX, Transunion and XXXX standardized affidavits and provided notarized identification, in compliance to the Fair Credit Reporting act 610 ( a ) ( i ) and FCRA 609 ( a ) ( 1 ) ( A ) informing these companies of an inaccurate bankruptcy and debts discharged reporting on the credit file maintained under my social security number.

Lexis Nexis was also reporting this inaccurate information but deleted it as a result. Therefore, because I am a victim of identity, I have filed an attached my FTC report under the FCRA 609 ( d ) ( 1 ) in reference to this reporting. Section 1681 e ( b ) requires these organizations to verify my identity with the original furnisher, and they have not because I have written and contacted the courthouse listed on the report and they responded back on company 's letter head that it was not the provider of this information and since XX/XX/2005, do not keep full social security number because of this very cause FCRA section 1681 ( a ) ( 5 ).

This is affecting my ability to get credit and my livelihood, according to my state attorney, Mr . XXXX, ( Mississippi ) this a violation of my privacy laws of the FCRA and identity. XXXX XXXX XXXX v. XXXX  XXXX XXXX court case shows the judge ruled that the court can not just rely on computer generated documentation. Therefore XXXX XXXX verification or 3rd party is noncompliance and unverifiable, so I requested in legal documentation affidavit to provide me the name, address, and telephone number of anyone from the original source, furnisher, that was contacted under the FCRA 609 ( a ) ( 2 ) and all 3 companies have failed.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

This morning, I filed a follow-up complaint ( XXXX-XXXX  ) because the response to my initial complaint was a voicemail with return telephone information that did not work. I received a response to this with the exact same information - an 800 number and access code that took me to a call center where no one was able to connect me to XXXX 's extension. I tried three times without success and only increasing frustration. on the last attempt, I spoke to a woman named XXXX, who refused to even try to connect me to XXXX 's extension before I provided " verification '' but when I persisted, she finally looked up the extension number and informed me that it " was not working. '' I am not going to return any further phone calls from Capital One. This is beyond aggravating and a completely unacceptable way to treat customers who have already been on the receiving end of unfair and deceptive practices. A company of this size should be able to manage a process for returning phone calls. If Capital One wishes to respond to this THIRD complaint, use my email.
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX, the following have violated my rights. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. 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 an account without my written instructions.
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (GA)

The amount taken from my accout was XXXX dollars. I filed dispute on XX/XX/XXXX XX/XX/XXXX and another day cant remember exact datebbut k tried three times explain my situation to bank and they would give me my money
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

1. XXXX XXXX Account # XXXX 2. XXXX XXXX Account # XXXX 3. XXXX XXXX XXXX Account # XXXX I am very concerned about the validity and accuracy of your recent investigations. I disputed inaccurate information with the creditors as well as all 3 credit bureaus. I asked for an investigation and XXXX removed the accounts because they were not able to verify the accounts. Equifax and XXXX on the other hand did not remove the accounts and they also wont tell me their method of verification. Both accounts are inaccurate and the creditors have also agreed. If XXXX wasnt able to verify it, how did XXXX and Equifax? 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation, voice recording etc. If this cant be provided, please remove this account off my credit report. I would greatly appreciate it. 

Any automated response, or e-oscar verification is unacceptable. I am requesting a re-investigation AND your method of verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I have attached a report with the accounts in question circled. 

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Violations of the Fair Credit Reporting Act Defamation
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been battling this inaccurate late payment for awhile now and this haven't been proven whatsoever. It would be nice and just to remove these inaccurate late remarks that never happened. 

Also, there are some unauthorized inquiries that I don't recognized.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

I have submitted several letters to all XXXX credit bureaus- XXXX XXXX XXXX , and Experian disputing this Account with XXXX XXXX XXXX . They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Consumer complaint received 2018-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

Yes my name is XXXX XXXX XXXX I am a XXXX year old lady still working a full-time job trying to keep my home I have my mortgage through OCWEN LOAN SERVICE. MY PAYMENTS ARE {$570.00} A MONTH I HAVE BEEN SENDING {$600.00} A MONTH PROBABLY FOR THE LAST COUPLE OF YEARS I RECENTLY MAILED IN XX/XX/XXXX AND XX/XX/XXXX PAYMENT I SENT {$1200.00} THEY MAILED IT BACK TO ME AND TOLD ME THEY COULD NOT ACCEPT IT BECAUSE I DID NOT HAVE XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX PAYMENT MADE I ALWAYS SEND A CASHIER 'S CHECK OVERNIGHT IT THROUGH THE POST OFFICE AND REQUIRE A SIGNATURE WHEN THEY RECEIVE IT I HAVE COPIES OF WORD SOMEONE HAS SIGNED FOR IT AND RECEIVED IT BUT YET THEY HAVE NOT APPLIED IT TO MY LOAN AND THEY CONTINUE TO SAY I HAVE NOT MADE MY PAYMENTS AND CHARGE ME LATE FEES I WOULD APPRECIATE IT IF YOU COULD HELP ME GET THIS RESOLVED. I hope I did this all correct I am not up-to-date too much on all this computer stuff but if you need any more information just please email me and I will get my daughter to help me do what I need to thank you XXXX XXXX
Consumer complaint received 2018-12-05
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ponca Finance Co. Inc (MO)

Yes Finance and Sure Finance of XXXX MO are still contacting me after I dropped off signed cease and desist letters. They are still calling my family and friends as well. They tell me I have to pay {$800.00} each or they are going to sue me. I live on social security. I was trying to pay what I could afford and now I am down to either paying them or eating.
Consumer complaint received 2018-04-18
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: LDF Holdings, LLC (OH)

XXXX 's client XXXX XXXX is a victim of identity theft. His information was used to establish a " pay day '' cash advance loan with XXXX XXXX without his consent. A formal dispute of this loan with a police report and FTC affidavit was provided to Amplify XX/XX/2018. On XX/XX/2018 at XXXX XXXX EDT my client received an email notification from XXXX requesting payment be made on this fraudulent account. This communication of payment by XXXX is a violation of two federal consumer laws. XXXX is in violation of the FCRA and the FDCPA by continuing to attempt to collect payment on a known fraudulent debt after receiving all documents required under law to conduct a full investigation of known fraud.
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (NY)

American Express abruptly locked all my accounts without notice. Leading to a major stall with my business. This has caused major inconvenience to the business and altered daily workflow. American Express notified me that they required personal tax documentations. All charges on my cards were legitimate purchases made personally on my charge and business transactions on my business cards. I did not violate any terms or conditions and deem this process unnecessary. I have been a loyal customer since 2016. I recently paid {$95.00} annual fees on 2 separate accounts and have a {$450.00} annual fee posting this month. I paid for annual fees and do not have the ability to use my accounts. Every statement was always paid in full and on time every month. American Express is penalizing a loyal customer for no reason provided. They mentioned an increase in Spend but I have spent more than my current balances in the past and paid in full with statement closing. With holiday season they should not be penalizing for an increase in Spend. American Express has also already requested personal bank statements earlier this year because a college tuition bill was charged on my card. I do not believe American Express has the authority to lock and keep requesting documents from me, especially after just paying for annual fees to use their cards. No terms or conditions where never breached. Most of the business charges came from XXXX, XXXX XXXX, and XXXX.