davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: APPLE FINANCIAL HOLDINGS, INC. (NY)

On XX/XX/XXXX I opened 3 accounts with Apple bank for their promotional rate, by the time I got home I had changed my mind regarding the CD and ask if it can be reverse, the branch was very helpful and efficient however they ask me to come in the next day to further discuss and I was then told that I couldn't close the account including a money market liquid funds savings account because according to them it takes 3 weeks to clear official bank checks and that my check wouldn't be clear until between XX/XX/XXXX and XX/XX/XXXX. which in my opinion is a violation of the federal regulation CC. After explaining this to customer service and having done several phone calls I was allowed to close the Savings account on XX/XX/XXXX but it was such a hassle to close it, gave me all kind of excuses and restrictions as in why I couldn't or should not close it. However, no one ever send me any notice of any extended holds being placed on these checks nor did they ever told me that in person when i opened the account that for 3 weeks my deposit were not earning any interest because the bank decided to put a 3 week hold. I made several attempt to fix this issue with the bank and after several calls to their call center nothing was resolve. I never got a response and was kept waiting for a resolution until XX/XX/XXXX from one of their District executive and even in that phone call i was told that there was nothing they could do for me, there was a very condescending tone. My initial request as a consumer that had a relationship of over $ 750K with Apple bank was to reverse the account on the same day that it was open and when i walked into the branch the next day I was told that i needed to pay {$2000.00} to close it as penalty fee. very unacceptable and unfair to consumers, I still have a relationship of over $ 500K with the bank and don't agree with the fact that within hrs of taking my deposit the account opening couldn't be reverse. 

I thought we could had resolve this issue directly with the bank my intention was never to make this claim, i wanted to handle this very diplomatic taking into consideration that out of the 3 accounts i was willing to keep the largest account with the bank. I was requesting the closure of the smallest account but now that i had to go to such measurements, i think i want to end the entire relationship. As a consumer I understand there is penalties when you close CD accounts before maturity date but in my case i reached out to the bank within the same business day of account opening stating that i had change my mind about locking up the funds and wanted to be reverse and was told that if that's what i wanted i needed to pay {$2000.00}. Same business days, within hours of account opening. 

One of the excuses that was given to me was that the check didn't clear and the bank had not collect the funds from the other bank, however they were willing to charge me {$2000.00} for uncollected funds anyways.
Consumer complaint received 2022-05-02
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. (GA)

I sent in letters requesting an update on several accounts inaccurately reporting to my credit. This letter was sent 60+ days ago. There has been no update regarding the investigation. I have also sent ALL information needed to accurately identify and locate my credit file. No status update has been provided to me
Consumer complaint received 2018-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (PA)

daily phone Calls during the week and even on Saturday from the below numbers Merchantile Adj ( XXXX ) XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX I block these calls, but these places continually call from new numbers. Although I have most of these numbers blocked, I know I am Still getting calls from them because they are Still Registering everyday on my XXXX incoming call list. When I look these numbers up online, they are Indicated as debt collectors, yet I have no Idea why they would be Attempting to contact me, since I have no debts..sometimes they will leave a message saying to call back and reference a case number There is nothing on My credit report indicating I have anything in Collections or in my public records ... I do not owe money To anyone I am on medication for XXXX XXXX and other XXXX   related disorders This type of rediculous Harassment is aggravating my XXXX  and I am getting the shakes These places need to be Dealt with appropriately As soon as possible.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Greetings, My name is XXXX XXXX, I am currently writing a complaint regarding the credit reporting agencies reporting inaccurately. XXXX XXXX Transunion and all other consumer reporting agencies. Please see attachments. 

Please remove all addresses that are not my main residence. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, remove all misspellings of my name. It is XXXX XXXX XXXX, not All these names listed on the report. Attached is my Drivers license as well. Id greatly appreciate these efforts to be executed within ten days, as its been over a month since Ive sent the letters via certified mail. 

Also please honor all on time payments, As Any credit reporting regardless of on time payments is still a violation of privacy. Privacy Act of 1974 prohibits. Monetary relief is requested upon this claim for all CCTs reported. including the reporting of XXXX XXXX bankruptcy XX/XX/XXXX and XXXX XXXX bankruptcy XX/XX/XXXX, continues to report. Ive Never given any written or authorization to report. This is heavily in my way of utilizing the full faith and credit the United States backs me with. 

Refer to : 15 U.S. Code 1681a - Definitions ; rules of construction 2. EXCLUSIONS.Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2019-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ALLY FINANCIAL INC. (CA)

Ally home loans bait and switched my mortgage application. 

When I applied for pre-approval the loan officer 'locked me in ' at 3.99 % for my mortgage. 

After I paid the {$550.00} appraisal, and was weeks into the contract with the buyer, they discover that I don't qualify for the Jumbo loan due to credit depth, and switched my rate to a new loan at 4.375 %. They had accurate information before at the time I applied for the pre-approval, but waited until I was desperate to close to switch the rate.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (MO)

Synchrony Bank 0 % promotional advertising for their Ashley Furniture XXXX  is deceptive. I have 2 different purchase dates with 0 % interest for the same promotional end date and Synchrony is supposed to apply payments to the oldest balance ( since the rate is the same and the promotional end date is the same ) but they have been applying my payments to the newest balance ( making the difference in accrued interest at the end of the promotional period nearly {$200.00} more if I only pay off 1 before the promotional end date. How many people are they doing this deceptive and illegal practice to? I chatted with a live representative who said it doesnt matter if they are both paid off by the promotional date. People can not always make that happen so it looks like they are trying to keep the payments going to the newest purchase so the oldest purchase has a lot more in deferred interest if it happens to not be paid by the promotional end date. This is wrong and deceptive.
Consumer complaint received 2023-04-07
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. (MO)

I am extremely displeased that my dispute regarding multiple items on my report has been blatantly ignored. It is imperative that you fulfill your obligation under the FCRA and take immediate action on this matter. Failure to comply with the law will result in me exploring the option of taking legal action against your company. 
XXXX XXXX XXXX XXXX Balance Owed : {$410.00} - This account has been reporting inaccurate information regarding my payment history. I have provided documentation that shows I have consistently made payments on time and in full. 
XXXX XXXX Balance Owed : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
XXXX XXXX & XXXX XXXX Balance Owed : {$0.00} - This report is incorrect. The account in question is closed with a XXXX balance, but it's reported as past due. This needs to be corrected without delay. If you haven't reported false information, please provide evidence, otherwise, remove it. 
XXXX XXXX Balance Owed : {$460.00} - Your company 's incompetence is on full display with this charged-off account still showing a balance on the statement. I demand that you provide an explanation for this egregious error immediately. The balance is unequivocally inaccurate, and it is your responsibility to correct it by either setting it to XXXX or deleting the item altogether.
Consumer complaint received 2020-12-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MN)

Starting back in XXXX I have been receiving calls from Midland Credit looking for someone named XXXX XXXX. I do not know this person, nor do I know anything about the supposed debt they owe but I have asked twice now for Midland Credit to remove me from their contact list as I'm not the person they're looking for ( most recently I asked them to remove me today XX/XX/2020 ) and they are still calling me multiple times a week. Usually they call and when I answer they immediately hang up. I call back, most of the time I get a recording that states the number is not in service. The phone number I was able to call back that worked was XXXX.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My personal information was lost/stolen during my tax preparers relocation in XXXX, and I was notified and advised to monitor my accounts going forward. I recently pulled a copy of my credit report and noticed accounts and inquiries I have no affiliation with or knowledge of. I also see numerous credit inquiries where someone is attempting to access lines of credit in my name in addition to listing addresses I have never resided. I contacted the credit reporting agencies to advise them of the accounts that are not mine being reported on my credit profile, I requested verification and have yet to receive a formal response. I have the right to privacy and have not given any written consent for this information to be reported to my profile and doing so is in violation of 15 USC 1681B Also furnishing accounts in direct result of identity theft is in violation of 15 USC 1681 c-2 I've requested that addresses where I never resided being reported to my profile be removed. This is causing erroneous accounts to be inaccurately reported to my profile and impacting my ability to obtain credit
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-03-30
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: EQUIFAX, INC. (IL)

I used the mobile app to lock my XXXX  XXXX credit card. Now my account and or credit is frozen. And no matter how many times I call them they say its unfrozen but all the returned denials come from my account being frozen.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OK)

I argued with this company for months over the amount that they were billing. They kept billing me incorrectly, so I told them i wanted to end our relationship. i cancelled my service and they billed me again. I have not done business with this company since 2014
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fidelity National Information Services, Inc. (FNIS) (VA)

Hello today I tried to get a checking account in my name at a bank but all the sudden IAM not approved I never had a bank account in my name I all ways had prepaid cards ..so I think the XXXX XXXX XXXX is XXXX me over with false information
Consumer complaint received 2023-04-07
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. (NC)

TO WHOM IT MAY CONCERN, My name is XXXX XXXX, and I am writing this statement on my behalf. I recently discovered that I am a victim of identity theft and have had several accounts opened under my personal information without my consent. My information was used to obtain financial services or goods without consent. I am requesting that the following information be removed from my reports immediately. The accounts I am requesting to be removed are listed in this file and my personal statement below. Accounts to be removed : - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX- OPENED ON XXXX. XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX XXXX  - OPENED ON XX/XX/XXXX - XXXX XXXX XXXX - OPENED ON XXXX
Consumer complaint received 2020-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2020 I made a counter deposit from a check for the amount of {$3000.00} to Bank of America. The teller gave me a receipt and told me the funds would be available on XXXX XX/XX/2020 she gave me {$220.00} back in cash and made a deposit of {$2800.00}. As of today XX/XX/2020 the funds Remain unavailable and when I visited a branch to inquire they told me The check was on hold until the XXXX Of XX/XX/2020 because it was a larger amount than what I usually deposit.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation
Consumer complaint received 2019-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (MA)

Hello, My name is XXXX XXXX, a residence of Massachusetts. I got a kitten from a cattery called XXXX XXXX XXXX, owned by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX, XXXX XXXX, Email : XXXX. He introduce a shipping service called " XXXX XXXX '', owned by XXXX XXXX, Located at XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX. Tel : XXXX, Email : XXXX On XX/XX/XXXX I paid them {$950.00} for cat and shipping based on Invoice # XXXX. But on XX/XX/XXXX they ask extra $ 975+ {$1000.00} for vaccine, rental of crate and insurance, which is not mentioned on contract and claim to be refundable. On XX/XX/XXXX I was informed death of my cat and they promise full refund of $ 8000+ {$900.00} refund of crate, but with {$1200.00} processing fee before that. After payment of {$1200.00} they stop replying my call or email, vanished with $ 950+ $ 975+ $ 1000+ {$1200.00} in total. And their customer service number is invalid. 

I tried to contact paypal and XXXX XXXX XXXX for help but they insist receipt of service/ merchandise should be solved with merchant and the transactions are authorized by me.
Consumer complaint received 2019-03-19
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)

Equifax and XXXX are guilty of violating my consumer rights and violating F.C.R.A. rules and regulations on several counts. I did file for BK back in XX/XX/2009 which was a chapter XXXX.. However these 2 bureaus are reporting a chapter XXXX and stating they will report it for 10 years ... this is a violation. 
I disputed with them only to receive a computer generated statement saying they verified with the provider the information is correct. I called both bureaus who told me to contact court. COURT CONFIRMED IN WRITING THEY DO NO REPORT, VERIFY OR VALIDATE ANYTHING WITH CREDIT REPORTING AGENCIES ( see attached ) so it is LIE!!!! Then I disputed and called again and was told they get this info from XXXX XXXX. I contacted XXXX and received in writing statement that they did NOT get any response from the bureaus and did NOT get any requests for verification and validation ... SO EFX AND XXXX LIED ON ALL DISPUTE RESPONSES SEVERAL TIMES ... THIS IS PUNITABLE BEHAVIOR AND I WILL COMPLAIN TO FTC AND ATTORNEY GENERAL 'S OFFICE IF THESE ARE NOT RESOLVED AND REMOVED
Consumer complaint received 2019-03-19
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: PHH Mortgage Services Corporation (PA)

I inquired with PHH mortgage services regarding loan refinancing. After talking to them I declined the loan. They sent a packet of all my financial and personal information to another customer of theirs. When this customer realized he received all my information he notified PHH. He stated he spoke with several people at PHH. They all instructed him to ignore this and shred the documents if possible. I was made aware of this by the customer. PHH mortgage corporation never notified me of this breach of my security and still has not. The only reason I know of this is because of the customer who felt he should tell me.
Consumer complaint received 2021-03-02
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: Bull City Financial Solutions, Inc (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.