davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

SunTrust decided to put a " hold '' on our account without any warning and, what's worse, no explanation. I had to go to three different branches before I was even told to contact a third party company called XX/XX/XXXX to find out why SunTrust had taken all of our money and refused to release it. I was treated like a criminal, laughed at, and hung up on by XXXX at the XXXX, FL branch, who I opened my account with. After waiting for more than 2 weeks for an explanation that would only be delivered by US mail by XX/XX/XXXX I was informed that an old account that was supposed to be closed had an auto payment go through without my knowledge ... and that this was why I had been unable to pay any of my bills or feed or diaper my XXXX and XXXX year old children. What's worse is that I have resolved the " issue '' and SunTrust STILL refuses to release my money to me. I called XXXX again today to tell him that the issue was resolved and that XX/XX/XXXXhad recieved the resolution from my former bank ... He treated me like dirt and informed me that " I would get a check eventually '' before he hung up on me AGAIN. This company is not just a bad business, they are morally and ethically corrupt and could care less about the impact that they have on people who live paycheck to paycheck. I have been to several branches and called their corporate customer service number just to be told, " we don't have any information, we'll have to send an email to our back office and wait for a reply. '' All this happened on my birthday, XX/XX/XXXX. Today is XX/XX/XXXX and despite all the time and effort I have personally put into resolving the non-issue, I have yet to get ANY correspondence from SunTrust ... much less access to my money.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

Checked my Equifax credit report and found inaccurate information that I wanted to dispute. I called the company that is filing the correct information and started getting things covered on that end and they're trying to take care of it, but I also wanted to submit a dispute with the credit reporting agency to make them aware from my end as well. However, they direct you to the website - https : //www.ai.equifax.com/ - to submit a report. This website does not load, just states " please wait for website to load '' and after 15 minutes in XXXX XXXX, XXXX, or XXXX, it did not load. There is no other way given to report a dispute. When a credit report can affect your ability to get a job, a place to live, or basically any aspect of life not being able to correct inaccuracies can have a devastating effect on people 's lives. I would like to report equifax for this issue, as well as would like to be contacted with another way to file the dispute.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (MI)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 

XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX FXXXXL Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXXE Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (WI)

I applied for and received a XXXX XXXX CHASE card recently. Yesterday I opened the envelope that held my new card. I then called to activate it and was told that someone made a charge on my card a couple of weeks ago. They told me that they would cancel the card I was holding and send a new card with a new number. I am appalled! How can someone find my credit card information before I 've even opened the envelope and activated the card? This is obviously an issue with XXXX XXXX CHASE. My information leaked out on their end and I am afraid to do business with them. How is it possible that my card was hacked before I even opened, activated or used the card?
Consumer complaint received 2022-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

My wife and I have been loyal customers of JP Morgan Chase Bank since it was XXXX XXXX XXXX XXXX. On XXXX XXXX I used my Chase XXXX card to, pay for routine auto repair. Dealer called informing me the charge did not go through. When I called card member services was told account was closed and reason would be sent in the mail. Also informed my accounts ( there were several ) were blocked. This act alone basically impaired my ability to pay bills, purchase groceries, etc. Several weeks later I received a letter stating the reasons for bank no longer doing business with me was for Inappropriate conduct. No explanations of what conduct offended or whom it may have offended. I also received a written warning that if I entered any JP Morgan Chase Bank branch, I would be arrested for trespassing. Needless to say having my accounts frozen, and being threatened with arrest, all for some type of unknown offense was very stressful. My wife, who is not part of the complaint, was eventually able to move funds to another bank. My personal account was eventually closed by Chase and funds mailed to my home. 
What I want you to investigate is what did I do that was so inappropriate? Having the threats of arrest warrant some explanation of what was inappropriate. If you require any documentation of my complaint all you need to do is ask and tell me how to send it for your review.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

I have been contacted multiple times by a collection agency that goes by Commonwealth Financial. They are trying to collect on a medical debt that is a result of identity theft. The hospital has different addresses on file that I 've never lived. I 've contacted them they said to contact the collection agency then proceeded to give me the wrong information. I 've sent a request for removal from y report over to this company. Nothing has happened, and I feel very vulnerable because they wo n't remove it and they must be paying the credit bureaus to keep on no matter what happens.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act, conversion account number XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and fraudulent inquiries from XXXX, XXXX XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights to privacy. 

15 U.S.C 1681 section 604 A section 2 also states a consumers reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ)

I obtained loan and used car title as collateral. I purchased new vehicle unrelated and now can not get rid of original car I used as collateral because of lein. Vehicle is not operable and lender will not release title. I am now stuck with responsibility of vehicle that doesn't even run and lender is refusing to help
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

Costco decided to change credit card company so they send me a citi card application which I refused, Never send the paper work never received a credit card and statement, went to costco where they said because I denied the credit card I have to call them again, I did not as I wanted to apply with a different credit card from XXXX. I received a statement from citi bank telling me I was delinquent on my bill ( Never received a credit card instruction on the credit card never saw this credit card ) until I received a statement stating I was late on my payment received penalties and fees I immediately called Citi Bank and told them I have NEVER accepted or signed an agreement for the card and did not even have that card in my possession We had a three way call with Costco which I cancel Costco membership. As I told citi card who wanted me to cancel the card I can not cancel a card who is not mine and a bill that I never saw before. They said they will take care of it.. 
Yesterday I received again the same bill from citi bank I am very scare my credit score is XXXX. I always followed the law and to see that a credit card company is able to issue me a credit card and ignore my right is beyond comprehension. I have the right to decline a card They have no right to send me a bill with late fee and penalties when I never saw or received a bill before??? 
I have citi bank credit cards which I will cancelled of course as I do not trust them anymore,XXXX of the credit card that I have accepted and signed for it years ago I have a XXXX balance.on it. being an excellent consumer did not phase they treated me without respect with regards XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2024 XXXX reported an address change on my Experian report. I did not move. All 3 credit bureaus have me frozen for past 3 years - my choice. I am trying to get more info, but it is upsetting. Obviously a fraud perpetrator is applying for something. 

The new address reported is XXXX XXXX, XXXX XXXX, NJ.I went to the police web site and the web site said to report here. 

Is there anything else I can do? Thank you.
Consumer complaint received 2019-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I received a notice of cancellation from XXXX XXXX for my homeowners insurance indicating my policy was going to be cancelled XX/XX/2019 for non-payment of premium in the amount of {$1100.00}. I contacted HSBC Bank on XX/XX/2019 at XXXX XXXX, they told me they could not tell if the check was cashed and that I would have to wait until XX/XX/2019. They indicated I had to talk with XXXX XXXX. I phoned XXXX XXXX on XX/XX/2019 at XXXX XXXX. XXXX XXXX asked me to get the check number from HSBC, When I contacted HSBC bank the next day at XXXX, they gave me the check number. They told me they could do nothing more for me. I contacted XXXX XXXX at XXXX, they indicated they never received a check and that I had to contact HSBC to resolve the issue. On XX/XX/2019 I received a letter from XXXX XXXX that they cancelled my homeowners insurance.
Consumer complaint received 2024-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

xperian, XXXX, and XXXX have been reporting on my personal SSN credit report a collection account from XXXX XXXX XXXX from a fraudulent transaction I disputed on my XXXX XXXX Credit Card. For over two years, XXXX XXXX XXXX had harassed me via phone calls calling to collect a debt that I did not create or owe. The reporting agencies and the creditor mentioned above have been put on notice multiple times via mail for violating my rights Fair Credit Reporting Act and other laws that govern every consumer in America. The past few years have been a nightmare with no successful credit applications being processed due to these collections negatively impacting my report. Reporting wrongful information on ones credit report is a violation of 15 USC 1666 where its states that a company has to conduct an investigation and remove the account in the event that the information is determined to be an error. The reporting agencies successfully removed the report from my report for one month and then successfully removed the collection from my report only to have it added on again. Aside from the the original creditor, XXXX XXXX XXXX, continuing to sell my information to 3rd parties reporting agencies, a violation under 15 USC 6802 Obligations with respect to disclosures of personal information, they also violated my rights by never having sent me a opt out form allowing me to opt out of any reporting of these accounts onto my credit report. For these reasons, I would like to file a complaint against these companies for their damages due to their unlawful acts and unfair practices. Their use of my information is not authorized and has been made known to them in several written notices of the course of the past year attempting to have the false information removed.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (SC)

So I have submitted a dispute for colleges account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Midland credit Management. I havent received a letter or notice in the mail for these alleged debts or given a change to dispute or opt out! These alleged debt automatically reported to my consumer report! That is a violation! They have verified the accounts as accurate! This is incorrect! I do not have a contract or agreement with those companies. XXXX is in violation of the Privacy Act, FCRA, FDCPA.
Consumer complaint received 2020-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

Equifax, XXXX  and XXXX  not responding properly to false and incorrect information on my credit report that is related to XXXX XXXX loan. My address has been the same for 7 years and the address I use on my IRS tax forms so that neither Equifax XXXX  or XXXX  can use the excuse that my address doesn't match when it does in fact match and they have mailed me copies all three of them recently of my credit report. There is incorrect information that is inconsistent across all three bureaus and I am disputing and taking to court XXXX for their illegal practices and contract violations. The credit bureaus need to ensure that when a company submits data they are doing so accurately. With XXXX auto loans all they would have to do is look at my original loan contract and they would see that XXXX is falsifying documents and lying about the information. For example my loan was only a 72 month loan and documented on a contract. However, all 3 credit bureaus report the loan length at 80 months. Also, the account has not been charged off but paid in full. Dates, term amounts, amount owed and status are all inconsistent across all bureaus. The credit bureaus need to validate their source of information. I want all documents associated with XXXX XXXX XXXX that each bureau has recieved to validate the debt, sent to me within 30 days. 

If the credit bureaus can not validate the information they have to report the data on my report my next step will be legal action.
Consumer complaint received 2021-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX  XXXX Balance : {$410.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. 

XXXX XXXX XXXX  XXXX Balance : {$10000.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$620.00} - This Account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NM)

My bank sent in a check to pay off my card on XXXX XXXX, 2016. Included with the check was the stub from the bottom of my statement that you usually send with payment. The bank then received a notice that the creditor did not know which account to apply the check to and need the account number. I spent several day while working out of town and attending my grandmothers funeral to acquire my account information. I was giving a lot of run around with no solutions. Once I returned home on XXXX XXXX, I began trying to acquire my account number as I had given up while arranging my grandmothers services. The final solution was to request a new credit card with the number on it. Which I believe was deliberately miss filed and I will get to that in a while. In the mean time I continued to receive phone calls that began to become harassing, happening multiple times a day and sometimes calling and hanging up like it was a game. When I ordered the card I was told to wait XXXX to 10 business days. I waited. In the mean time I was still receiving calls. Time after time I asked the rep to check their notes and sometimes explaining the full situation in hopes they would make another note of it and stop calling. That never happened. Finally on XXXX XXXX, I called back after XXXX collection calls that day and asked for my call to be escalated to the highest department possible. There, with the help of my bank the card company was finally able to locate the check which was already cashed and submit a dispute to my account. Today XXXX XXXX I have already received XXXX calls and notified them I will be reporting them. Have quoted the Fair Debt Collection Practice Act, even thought it may not apply to them, but hopefully it helps, and notified them I will be sending a cease communication letter via certified mail. Please help.
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received a notice dated  XXXX / XXXX / XXXX  from my lend er, Fifth Third Bank,  regarding a shortage in my escrow account that I needed to pay by  XXXX / XXXX / XXXX . Upon inspection of the notice, I found several errors. First, the escrow statement showed that my lender was continuing to deduct PMI monthly, though no PMI payments have been reflected on my monthly mortgage statements since  XXXX   XXXX . I sent Fifth Third a request to stop PMI once I reached 80 % LTV ; by  XXXX   XXXX  my payments put me at 78 %  of LTV  so Fifth Third Bank is illegally containing PMI on my mortgage account, and have been doing so for months without my knowledge. Second, my escrow statement includes projected PMI payments well into  XXXX , though I am already below 78 %  LTV  ratio. Finally, escrow statement includes a double payment on my homeowners insurance for  XXXX  -- which they paid in  XXXX   XXXX  and my statement shows an additional  XXXX   XXXX  mortgage payment, which accounts for most of the escrow underage they claim I owe.
Consumer complaint received 2017-04-14
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Big Picture Loans, LLC (GA)

Complaint # XXXX Spoke with Big Picture Loans at Length with XXXX the manager she scheduled the date of XX/XX/XXXX that my acct was to be credited $ XXXX+XXXX for overdraft fees. Called XXXX to see why funds where not credited to my acct and she told me she was sorry that the acct was closed out and that I had to call her back to schedule another date to credit the acct. On XX/XX/XXXX I called to schedule a date and she told me that my acct was being reviewed by the law dept since I filed a complaint with the consumer financial protection bureau and there is no date to credit the acct. She stated that they would contact me she She had no more info and still couldnt credit acct until the investigation is over. I cant believe that these people are still stalling I never gave consent for my acct to be debited after it was paid off.
Consumer complaint received 2022-03-03
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the XXXX XXXX XXXX and may have been exposed to the wrong person.
Consumer complaint received 2022-03-03
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)

On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the Equifax data breach and may have been exposed to the wrong person.