davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I seen inaccurate information on my consumer report and I tried to delete the accounts which I have attached to the letter. When I submitted the accounts to be deleted from my consumer report, the investigation results came back verified without any proof.
Consumer complaint received 2019-07-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX I recieved an email from XXXX, a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to Bank of America complaining on a legititamate overcharge on my visa card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX  has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called Bank of America, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Consumer complaint received 2022-10-10
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. (NC)

In accordance with The Fair Credit Reporting Act XXXXXXXX XXXX Account Number XXXX violated my rights. 

15 U.S.C 1681 Section 602 A states I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it states that the consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

PNC BANK keeps playing hard-ball with a refund owed to me. PNC BANK had me submit over 3 times a dispute against XXXX TV Screaming TO THEN BLOCK MY DEBIT CARD WHEN THE VENDOR ~ XXXX TV ATTEMPTED TO REFUND ME {$130.00}. FURTHERMORE, On XX/XX/2021 at XXXX XXXX  ( REFERENCE CONFIRMATION CALL # XXXX ) a lady by the name of XXXX, OF THE XXXX LOYALTY DEPT., ATTEMPTED TO REFUND MY REFUND AND SHE TOLD ME SINCE XX/XX/2021 & PRIOR THEY TRIED TO REFUND ME FOR ALL THE GLITCHES WITH STREAMING TV, BUT PNC HAS HAD THE PLEASURE TO BLOCK MY REFUND. PNC ACTS LIKE THE MONEY IS COMING OUT OF THEIR VAULT. XXXX TV HANDS ARE TIED REFUNDING ME SINCE BEING BANK IS BEING UNETHICAL & UNPROFESSIONAL WITH THEIR LAME EXCUSES THAT THEY ARE IN THE RIGHT.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CT)

On XX/XX/XXXX two checks were cashed that were written XX/XX/XXXX & XXXX XXXX. ( Two years and one month ). Complaint was sent through XXXX XXXX XXXX XXXX  to Navy Federal Credit union ( place checks were cashed ). Navy Federal denied the claim because stale dated items are not guaranteed they said.
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

I had a recurring withdrawal set up with Coinbase to purchase {$25.00} every Saturday. This recurring transfer performed for three weeks ( XX/XX/XXXX, XXXX, and XXXX ). However, it did not occur the following Saturday ( XX/XX/XXXX ). I contacted Coinbase and asked for an explanation. All they did was " look into it '' repeatedly and then the representatives would respond with a generic cut and paste of how to set up a recurring transfer. I explained to them they did not answer my question, namely, why my recurring transfer was eliminated without my permission. I did not authorize deleting my scheduled recurring transfers but Coinbase could not give me an answer how it was deleted. This is clearly a security breach of some sort. 

Thank you, XXXX
Consumer complaint received 2022-10-09
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: JPMORGAN CHASE & CO. (TX)

In XXXX and XXXX Amazon automatically made my chase/Amazon XXXX  Visa card, the default card on my Amazon account XXXX The card was not even activated yet, so there was charges I was unaware of, resulting in a late payment, dropping my credit score more than XXXX points.
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

I received a letter from a company called Citizens One. 
I never heard of them I never did business with them and they are claiming that I missed my I phone payment. 

It looks like a collection agency letter but I am not sure, they are claiming that they are going to inform credit bureau that I am 30 days late. 

To me this looks like fraud and I wish that you look into this fraudulent letter and company because they may be causing others the same problem.
Consumer complaint received 2021-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I disputed a {$650.00} transaction to American Express in XXXX of 2020 for a transaction that occurred in XX/XX/2020. American Express has continued to close, reopen, close, reopen my case multiple times with no resolution. They continuously tell me that they will have it resolved in 15-60 days but it never happens. The last time I went through this they wanted me to upload a document to their website. However, their website does not allow videos ( it was a voice recording at night where you can hear the bats that are still in my house ). I called back in again explaining and they said oh yes that's just the way it works. I asked for a manager to call me back. They promised one would and then never followed through. It is not right that I am having to dispute this EIGHT months after I originally disputed it. They have not listened to what I have stated multiple times - there was a one year warranty - not on the quarterly pest control services ( they continuously have gotten this mixed up with the {$80.00} dispute I filed at the same time ) - on removal of the bats. It states, " When requested by the customer or deemed necessary by the company additional treatments for wildlife services covered under this agreement will be promptly rendered between regularly scheduled services at no extra charge ... '' I called the company about 5 times between XXXX and XXXX because the bats did not go away. They came out each time - until the last - when they stopped coming or calling. ( A separate part of the company in charge of quarterly pest control called about coming by for their service but never about the wildlife program. That one call and one text which I have proof of were related specifically to pest control - NOT wildlife. ) Please make American Express do the right thing. I have spent in excess of 40 hours trying to get this resolved.
Consumer complaint received 2022-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (UT)

Company has repeatedly called despite the debt being paid. They called me XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though I already paid them off. They just won't stop calling.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

See attached. 

Succinctly put Truist has apparently converted funds on deposit ( or at least repeatedly denied me use of my funds ) in my checking account and retaliated against my complaining of such prohibited conduct by pretextually raising false roadblocks to delay or prohibit me from accessing my own funds in my name only on deposit. 

The bank video and audio recording equipment will show this malfeasance.
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP (NY)

I am writing today in regards to my account with American Honda account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2021, due to Covid I was unable to make the payment in XX/XX/2021. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2022-02-07
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have a issue with a investigation regarding Bank of America here is the information BANK OF AMERICA ( Bank ) XX/XX/2021 I opened a bank account over the phone for my Business since the banks were not taking business account people in the bank without a appointment because at the time it allota of people in person opening accounts.I was offered to apply for a BOA credit card on the same day I opened my account, I said, if it effects my credit score I do not want to apply, if you or they have a recording on that day.I said thatbut the teller ran my credit with a hard inquiry anyway after I was done with my bank account, and I called back to say I didnt authorize them to do that, but they wrote a note and said I agreed with NO proof lbs I was signed up over the phone so I didnt input any information on my behalf.so they are lying to protect their image and their employee at MY expense, thats why I have not even used the banking account because of a grudge.
Consumer complaint received 2022-10-09
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)

This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe XXXX XXXX XXXX XXXX XXXX and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Consumer complaint received 2015-12-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

B of A is showing a home equity line of credit as still open on my XXXX and XXXX credit reports. that account ( XXXX ) was closed 7 years ago. It also shows that it was included in BK, which it was not. It should fall off of my credit profile in the next few months ... ...
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (CA)

I have called and attempted to get the problem resolved apparently my monthly payment for XXXX was received and deposited for {$700.00} on the XXXX of XXXX which the Customer Service representative noted on their computer. The payment was due on the XXXX of each month but in XXXX I had reached out to Lending Club and requested that the due date should be changed to the XXXX of each month which they were acceptable of this new due date. I keep receiving emails letting me know that my XXXX payment has not been received. Their payment history also has the payment recorded as being received but yet I keep receiving late payment notifications. My loan # XXXX
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

Third party search company company used by a property management company is reporting an eviction. Both myself and the landlord are trying to find out how to report this as an error and have it taken off. XXXX XXXX, the third party, says they have no ability to help and to contact Experian. Experian says it has no record of this YET I have documents which have prevented me from getting in lease in my own name which have appeared. I'm afraid to even apply elsewhere. This is madness. I feel like I'm being held XXXX. Where is this information being kept and how do I get it off my records?? Thank you and please see attached.
Consumer complaint received 2022-10-09
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/2019, I contacted Synchrony Bank/Pay Pal after noticing a new account was opened under my name and SSN, which I had not done. After taking my information, the Bank informed me that this was the result of identify theft and that the Bank was ( 1 ) going to close the account, ( 2 ) put on a fraud alert, and ( 3 ) notify the credit bureaus. I asked them specifically if I needed to also notify the credit bureaus and they told me I did not. The same day, I placed a credit freeze with all three credit bureaus. 

Several weeks later, I saw that another new account was showing up on my credit report for Synchrony Bank/Pay Pal. I called again to inquire how this was possible. The agent told me that the " computer '' generated a new account when the old account was closed. The agent also told me that a new card was sent to the address on file ( notably, NOT my current address ). The agent told me that he would close the account again. I asked if he was also going to notify the credit bureaus, and he said he was not planning to. I told him that my credit score has already gone down as a result of the newly opened fraudulent accounts and asked that he contact the bureaus about the new account, and he told me he would. 

After this conversation, I began contacting the bureaus to dispute the two Synchrony Bank accounts that are still listed on my credit reports. I just got off the phone with XXXX  and the XXXX   agent told me that Synchrony Bank never reported the identify theft/fraudulent account to the credit bureau. 

This is an outrageous situation.
Consumer complaint received 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/ ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

On XX/XX/22 I reported unauthorized transactions all from the same merchant ( XXXX ), which I have never done business before, in the amount of over {$10000.00}! I was given ( 2 ) fraud claim ID numbers. One of the claims was for {$8600.00} and the second claim was for {$1400.00}. Not sure why they separated the transactions because they were all reported at the same time. 7 days later they resolved, closed, and reimbursed me for the claim of {$1400.00}. On the XXXX day the resolved, closed, and said unable to pay the claim for {$8600.00}. Saying I authorized the charges. This is totally ridiculous, and been trying to get an agent on the phone for a explanation and to file an appeal. I have had no luck!
Consumer complaint received 2022-10-09
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-10-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TMX Finance LLC (VA)

My cell : XXXXcalls with the same message multiple times over day for a debt I do not have. I have no business relationship with titlemax. 
Calls : XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX This is only XXXX. Has been going on for many months
Consumer complaint received 2022-10-09
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. (FL)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (CA)

XXXX I was incarcerated for six months there was an a money wire turn on my account I get direct deposit from Social Security so when I got out I was only out for two months XX/XX/XXXX I was back incarcerated XXXX XXXX to XXXX XXXX I got out in XX/XX/XXXX from back there I was told that my account was overdrawn which shouldnt have been overdrawn because once again I had Social Security check XXXX was charged and XXXX was charged when it was a free trial XXXX I authorize XXXX XXXX to go check my account I have documentation of me being incarcerated and Im suffering right now from XXXX XXXX  condition so I was very overwhelmed of the fact that I was missing funds back in XXXX from a money transfer that was an authorize so I found my documents I called the bank and theyre going to tell me that I wasnt able to receive my funds when it is there a liability policy of missing funds of fraud so Ive been trying to call for the last two days to get in contact with them we let them know that I sent them the affidavit and also documentations of me being incarcerated so I had no knowing of what was going on with my account thats where I receive my Social Security income so now I want it to see if I can be reimbursed on my income that I have to spend to put a roof over my head
Consumer complaint received 2019-07-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (FL)

After 2 category 5 hurricanes, Nelnet offered me forbearance. I declined, because I was helping to evacuate, and couldn't leave. I finally got the energy, after working in mold for 1 1/2 years to make the move. Now Nelnet won't give me forbearance until I find a job in FL.
Consumer complaint received 2022-02-25
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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.