davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

On Friday afternoon XX/XX/2020, Citibank unexpectedly closed our two business account with {$130000.00} on deposit. We did nothing wrong. They closed the account without warning, discussion and reason. They told me that any funds would be available after 60 days. I don't understand why our funds are not available immediately. And what does after 60 days mean? Indefinitely? Upon reviewing their terms and conditions their paragraph discussing closing of account only states that upon closing any funds would be paid by bank check. Upon calling the number provided by Citibank letter, XXXX, option 7 we were met with a rude person who explained they would not release any money at this time and them proceeded to hang up the phone on me. Upon visiting the branch manager XXXX XXXX at XXXX XXXX XXXX XXXX she said she was unable to contact anyone and speaking with her was a dead end. So now we have no one to speak with and {$130000.00} on hold. This is creating a financial and legal hardship on us as our clients are waiting for their merchandise which is unavailable without the funds. This was explained to Citibank and was told they were hanging up the phone and the Branch Manager just threw up her arms as though she was surrendering. Please take action as this should never happen to anyone. Yet I am seeing this behavior as the usual course of action by banks. Our phone number is XXXX XXXX XXXX XXXX. Our email is : XXXX. Thank You
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-04-28
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. (NJ)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam : This letter is to dispute a billing error on my XXXX XXXX. The amount is inaccurate because I have paid the balance in XX/XX/XXXX but it hasn't been updated since XX/XX/2018. 

I have enclosed copies of to support my claim. Please correct this billing error as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

The Contract Related to this account has been canceled, NO CONTRACT, PLeas provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transfered to another lender please provide any agreement between the original creditor and new lender or collection company
Consumer complaint received 2018-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

Flagstar Bank issued a check to me dated XX/XX/XXXX in the amount of {$2200.00} ( attached ). There was no documentation attached. The check notated " For Misapplication Reversal. '' I contacted Flagstar Bank on XX/XX/XXXX for more of an explanation, and was told the check was in error, further stating that XX/XX/XXXX mortgage payment was reversed and must be paid again, in lieu of the check received. Note : XX/XX/XXXX  mortgage payment is XXXX. I suggested sending the check back, and was advised this is not a good option, as it would slow the process down, or result in reissuance of the same check. Meanwhile, XX/XX/XXXX  payment incorrectly reflected as " unpaid. '' To avoid negative reporting history, I deposited the check on XX/XX/XXXX and paid XX/XX/XXXX  payment for a second time. Bank payment receipts are attached. 

Upon researching " For Misapplication Reversal, '' I located United Stated of America Consumer Financial Protection Bureau Consent Order document File No. XXXX against Flagstar Bank. I am a consumer improperly denied a loan modification in XX/XX/XXXX. As a result of denial, and Flagstar 's unwillingness to assist my family in the financial hardship following the loss of our child and wages, we filed Chapter XXXX in XX/XX/XXXX. The Chapter XXXX was discharged XX/XX/XXXX. 

Additionally, Flagstar Bank recently sent inaccurate documents regarding late payments. The latest dated XX/XX/XXXX is attached. When inquiring with Flagstar, responses were that the documents were sent in error and to disregard. 

Due to the numerous non documented errors by Flagstar and awareness of Consent Order, I am requesting an investigation to ensure that any monies owned to me by Flagstar are properly paid. 

Thank you.
Consumer complaint received 2021-06-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I have a subaccount on my amex serve prepaid card account. I tried to use my card to make a purchase and it declined which it should not have because I have money on the card. I return home to contact the customer service only to be told they could not tell me what was wrong with my card to my subaccount but that it had been permanently locked and that I can not use it anymore. My money is trapped on this account and I had asked them to transfer the money to my main account and they refused to do so telling me that I would have to send a letter to them to tell them why I should get my own money from the account when it belongs to me. I asked to speak to a supervisor and the supervisor gets on the phone almost 30 minutes later. The supervisor then tells me some off the wall statement that during a recent review of my American Express Serve Account they noticed activity that was in violation of the Serve Member Agreement, section : Section 15E and because of that violation, my account has been closed. When I tried to look up the section 15e I couldnt get access to read it. I was then told there was nothing that they could do about what happened to my account and that I was pretty much out of luck. I informed them that I am a protected person covered by law and that they are now committing disabled financial abuse by keeping me from having access from my money and refusing to transfer my money to my other account so that I can have access to it. Their response was that the law does apply to them and that they can do what ever they want. they then hung up on me telling good luck getting my money back.
Consumer complaint received 2021-05-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I entered into a consumer credit transaction using my credit card as defined in 15 usc 1602 ( l ) with Nissan Motor Acceptance Corporation in which a finance charge was involved on the date of XX/XX/XXXX. The Credit cards that were used, were my Drivers license and Social security card. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The Finance charge is supposed to include insurance and Nissan Motor Acceptance Corporation made me purchase insurance separately. Nissan Motor Acceptance Corporation disclosed that it was a Truth in Lending Lender in the contract and failed to disclose to me and give me forms of my right to rescind pursuant to 15 usc 1635. On XX/XX/XXXX I noticed that my rights were being violated and sent through U.S postal Service Certified Mail Receipt an Affidavit of Truth that was notarized which was never rebutted, cease and desist and requested Validation of Debt in which I was given no reply or any documentation that I the consumer owe such alleged debt. Nissan Motor Acceptance Corporation sent an invoice on XX/XX/XXXX saying that I owe {$830.00} or they were going to do one or more of the following options if i did not pay on such alleged debt that has not been validated.
Consumer complaint received 2021-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (ID)

I applied for a Credit Card from XXXX and tried to log into the app and was told I already had an account, which is impossible cause I've never applied for a Chase card or opened a Chase bank account. The checking account was opened on XX/XX/20. I called the XXXX customer service and they confirmed yes indeed someone has all my information.
Consumer complaint received 2021-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Hello, I am currently enrolled with Marylands Pandemic Emergency Unemployment Compensation that was recently partnered with Bank of America, where MarylandUE would send my weekly paychecks of {$540.00} to a Bank of America checking account. 
( BOA website : XXXX : XXXX Maryland Department of Labor Unemployment Portal : https : //beacon.labor.maryland.gov ) On XX/XX/XXXX I tried to access my Checking account and was notified it was closed and that I need to have Maryland 's liaison with Bank of America ( BOA ) send BOA " information proving my qualification for payments ''. They said after I call Maryland, it will take 2 business days to correct. 


On XX/XX/XXXX, when they opened, I called Maryland Unemployment who assured me i was verified qualified and did not understand what BOA wanted as there was no indication for Maryland that any information was incorrect. Maryland said they put a note on my account and that it was up to BOA to fix. I spoke with 3 different operators this day and was told the same thing. 


On XXXX, and XXXX I called each day multiple times ( I stopped counting at 10 ) but was told every time that neither institution could do anything and to call the other. Starting XX/XX/XXXX, Maryland severed their ties with BOA so on XXXX the Maryland operators explained they no longer work with BOA and could do nothing themselves as they no longer have a BOA liaison. Most were completely unaware what BOA was referring to. 


I called BOA again on XXXX to see if I could retrieve my past funds any other way or prove my identity any other way and was refused, stating that their system wont allow any manual changes and it the system will automatically correct in 2 days after " Maryland verifies it ''. 


As of XXXX, Bank of America is still withholding the {$1600.00} from my 3 past paychecks and will not accept any method for me to prove the money was intentionally sent to me. My state sponsor has obviously approved my account if they are still sending payments to it. BOA even accepted the payment from Maryland on XX/XX/XXXX to my BOA checking account they closed on XX/XX/XXXX. 


TLDR ; BOA closed my checking account that had {$1000.00} in it, on XX/XX/XXXX claiming i needed to verify MarylandUE is paying the correct person ( me ), will not accept any means of verifying myself, but still collected the last payment Maryland Unemployment sent to them on XX/XX/XXXX, totaling {$1600.00} that they are withholding from me.
Consumer complaint received 2018-03-03
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: Experian Information Solutions Inc. (TN)

Creditor Name : XXXX XXXX XXXX Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX/XXXX  XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : Bankruptcy chapter XXXX-dismissed REFERENCE Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. 

Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623
Consumer complaint received 2018-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (VA)

I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.
Consumer complaint received 2021-06-02
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. (GA)

On XX/XX/2021 I sent out dispute letters to XXXX Equifax and XXXX for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX, Equifax and XXXX ).
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I sent out dispute letters to XXXX XXXX and TransUnion for inaccuracies that have been reporting to my credit report. This has been an ongoing issue. It's now XX/XX/2021 and I am yet to get a response. Since they are not complying with my dispute request, today, I sent a 30 day demand to comply letter to each of the companies listed above ( XXXX XXXX and TransUnion ).
Consumer complaint received 2020-07-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo automatically put me in a forbearance for 3 months which was very helpful. XXXX XXXX and XXXX. I re summed my monthly payments in XXXX. However they put that into my escrow account. The received another letter extending my forbearance till XXXX. which I did not want. Several emails and phone calls I was told I have to accept the additional 3 month or they would report my XXXX, XXXX and XXXX payments as late to the credit bureaus if I rejected and was removed from the Covid forbearance program. I did get someone else on the phone and they made a payment arrangement for 1 month of the forbearance period and they would move the other two to the end of my loan. We have an arrangement and they would send out documents to process within 10 business days its been 14 .My on line account still shows as being delinquent. My request for a refund of my Escrow account was denied ... over {$2000.00} extra even after just paying my Taxes and Insurance which they reported they could not apply to my loan or payment arrangement. My account still shows past due as XXXX payment. 
Copy of Online Account Next payment due on XX/XX/20 Next payment details {$1600.00} Total amount due to make loan current {$4800.00} Your account is on a short-term payment suspensionOpens dialog Last payment received on XX/XX/20 {$1600.00} Outstanding principal balance {$190000.00} Interest rate 4.75 % Escrow balance ( taxes & insurance ) Escrow details {$3000.00} Actual Payments in my account history Principal Balance XX/XX/20 PAYMENT {$800.00} {$190000.00} XX/XX/20 PAYMENT {$1600.00} {$190000.00} XX/XX/20 CITY TAX PMT {$1600.00} {$190000.00}
Consumer complaint received 2022-01-10
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. (MD)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2020-11-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I asked for a Payday Loan from a company that called me and sent me an email. Being it was my birthday I thought it was a sign instead it seems to be the worst decision ever. I was sent {$1900.00} within minutes and told to XXXX an insurance policy the money to verify the insurance. They even emailed an insurance policy for the loan from XXXX. I did this again with {$700.00} and then Bank of America calls me with detailed questions saying I have been scammed. Why I did not know I was more than happy to cooperate with them to help the find the people who fraudulently filed a claim on my behalf. Instead Bank Of America instantly charges my accounts and puts my account in negative balance by over {$2600.00}. I have spoken with many of people who have said sorry but have not helped a bit. Now when I call the fraud department and ask to speak with a supervisor I am UNPROFESSIONALLY disconnected. I do not know what more there is to do. I am soo disappointed in Bank of America, i have been a customer for over 13 years ; the first bank account I ever opened and it feels like they are the ones who scammed me. 

I also have XXXX XXXX and with their security system I am wondering how Bank of America allowed someone to withdraw money from account and distribute money based on a false claim within minutes? When I asked the lady from Bank of America how I would know its a scam she says if someone asks for your online ID and Passcode it is most likely a scam. I have taking out a loan before under XXXX XXXX for a much larger amount that went directly to my Bank of America account and they asked for they same exact information so I do not understand why all of sudden Bank of America is trying to pin this on me when I am the victim of fraud. 

I also reached out to XXXX and the company. I can not reach the rep anymore from the number he call but I have his full name and number. 

Thank you,
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : TransUnion : XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}