davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WY)

I froze my credit with Equifax on XX/XX/17, but today when I went to unfreeze it, I had to jump through many hoops, only to find out it was NOT FROZEN. I asked why, what happened, who did this and the guy with really bad English had no clue. What is going on with Equifax? How can they unfreeze my account without my permission and the PIN number? What other shady things are going on? Please investigate this and hold them responsible. I can't be the only person they are doing this to - this is outrageous! 

I am attaching the original pdf they sent me with the notice of my credit being frozen and the PIN number.
Consumer complaint received 2017-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (GA)

My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.
Consumer complaint received 2015-05-24
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

It 's unscrupulous and dishonest : Bank of America emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Bank of America, XXXX, and get a very terrible, lackluster response : " timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Bank of America 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers.
Consumer complaint received 2023-01-20
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX CO XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-11-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

i paid off my with XXXX  XXXX, tn XXXX acct : # XXXX and i spoke with on XX/XX/20 with XXXX and she told me that i would have dispute it with experian before they would correct my credit report and they have the correct information want sent it to experian!
Consumer complaint received 2020-05-20
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASHCALL, INC. (CA)

CASHCALL IS ATTEMPTING TO COLLECT ON THE NOTE LOAN THAT DOES NOT BELONG TO ME. IN MY NUMEROUST ATTEMPTS TO REQUEST DEBT VALIDATION OF THIS LOAN FROM 2013, RECEIVED WAS PAYMENT LEDGER THAT SHOWS DATE LOAN ISSUED AND SOME CREDIT BUT NO PROOF OF PAYMENT, NO ID, NO SS # ON THE CONTRACT, AND CONTRACT IS NOT SIGNED, DOESN'T HAVE MY SS # OR DOB OR ADDRESS. 
1-CONTRACT IS MISSING SIGNATURE 2- CONTRACT IS MISSING ORIGINATION METHOD AND WHO IS THE PERSON ORIGINATING THIS LOAN 3- CALIFORNIA STATUTORY LIMIT FOR INTEREST RATE IS 10 %. THIS IS A LOAN ORIGINATED IN CA, AT 183.06 % ISN'T THIS USURY?. 
CASHCALL RECEIVED A RESPONCE FROM ME DISPUTING THIS DEBT AND INSTEAD OF INVESTIGATING THIS MATTER THEY SOLD THIS ERRONEOUS FRAUDULENT COLLECTION TO CCI ACQUISITIONS , LLC WHO IS NOW THREATENING TO SUE ME AND GARNISH MY WAGES ... IST N'T THERE A STATUTORY TIME ALLOWED FOR THEM TO TAKE LEGAL ACTION THAT IS IF THIS ACCOUNT WAS VALID AND ACCURATE? .... 
THIS IS FRAUD ON INSTITUITIONAL LEVEL!
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (OK)

In accordance with the Fair Credit Reporting Act XXXX  the following companies have violated your rights : XXXX XXXX XXXX Account # XXXX - {$490.00} & {$690.00} XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX & # XXXX XXXX XXXX Account # XXXX Security Finance Account # XXXX XXXX XXXX XXXXt # XXXX 15 U.S.C.1681 Section 602A - States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 -It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

The incident happened between XXXX XXXX  to XXXX XXXX   CST on XX/XX/2020. I deposited {$300.00} in cash using the PNC bank ATM inside the XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX. The debit card I was using is a XXXX  XXXX XXXX debit card. The machine took my cash and threw an error message. ( Can not remember the details, but it was something like " Transaction can not be processed and have to be done at your financial institution ''. 

Contacted PNC Bank customer service on phone, told me to contact XXXX  XXXX XXXX. XXXX  XXXX XXXX customer service told me there is no deposit record on my account, and told me to contact PNC. Told the same PNC customer service the situation clearly again. She became really rude and hung up the phone.
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC (NC)

I have an old account with XXXX in which I owe {$1500.00}. I previously listed a person who I was dating as a reference. I'm no longer with the person and want no contact. I started receiving letters in the mail thanking me for my payments. I assumed it was in error. However, they discussed the amount I owed along with other personal information they had no right discussing with this person. They allowed him to set up recurring payments. This was a direct violation of my rights and I've already contacted my attorney. I have proof from my ex boyfriend and printed documents of the transactions drafted from his bank account.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I have an open and current mortgage with Chase Bank # XXXX. Chase is reporting the loan payments to XXXX but XXXX is surpressing the information and reporting the loan as Discharged in BK. This mortgage was reaffirmed in a Chapter XXXX BK discharged dated XXXX/XXXX/2013. Chase keeps referring to BK Law for Chapter XXXX and we keep providing documentation for Chapter XXXX, and the account should be open and current with all the payments
Consumer complaint received 2017-08-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NJ)

In XX/XX/XXXX, I submitted an application for a HARP refinance. After Citibank dragging it out until XXXX of XXXX by continuously asking for more information weekly, I was denied because I could not show enough income possibly because I am XXXX XXXX. At that time, I told my " Homeowner Support Specialist '' XXXX XXXX that my girlfriend lived with me and he said that was good news and that we should submit her financial information. We did that immediately as requested. Since then I have made several phone calls to inquire about the status of my application only to spend hours on the phone receiving the run around. Usually I get cut off or I finally give up holding. I am still making payments when I can and would like this resolved. I am hoping that you can help.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

I attended XXXX Colleges in XXXX and utilized their student loan services. I called the lending institution to put my loan into a deferement as I 'm still in student status, albiet at a different college, and I was informed that there was no such option. The statement clearly says " XXXX Colleges XXXX '' on it, but when you call the customer service number the phone is answered with " Patient Billing Services ''. It appears that XXXX treats their student loans as patient bills and there is no way for me to defer the loan or to lower the interest rate.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: BMW Financial Services NA, LLC (NY)

To all parties concerned at the CFPB, FTC, and office of XXXX Attorney General XXXX XXXX, On XX/XX/2022 at XXXX I arrived for an appointment to extend my credit in good faith to XXXX BMW XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX New York XXXX XXXX for a BMW XXXX XXXX where I was assisted by client advisor XXXX XXXX XXXX 

Initially she was very helpful but grew increasingly impatient, dismissive, and unresponsive as I continued to ask questions so I can fully understand the process. Her lack of attentiveness compromised my ability to make a well informed decision as she began to handle business unrelated to this consumer credit transaction. Talking on her phone, texting, and using the computer only to walk away returning after XXXX mins to photo copy my license and walk off again. At or about XXXX I was approached and escorted out by sales manager XXXX XXXX XXXX He handed me a decline notification and said there is nothing he can do, not even request reconsideration or a counter offer on my behalf. That is in fact a violation of 15 USC 1611. 

As a consumer I dont understand how or why I was denied an extension of my own credit after my card ending in XXXX was processed initiating the transaction. The justification of BMW Group Financial Services adverse action feels like Im not only being discriminated against but my right to privacy is being violated. 

I was forced to leave ( after my credit card was used that I received no benefit from ) XXXX XXXX XXXX XXXX XXXX XXXX Such ignominy actually made me cry while walking away making me feel weak and taken advantage of. 

Much of what I experienced on this day are various violations punishable by law pursuant to United States Code title 15 chapter 41. 

As a qualified applicant and valued consumer in good faith thank you for allowing me to be heard.
Consumer complaint received 2021-03-30
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: JPMORGAN CHASE & CO. (FL)

On XX/XX/2020, was at work and received a call regarding a suspected fraudulent charge trying to hit my office Visa credit card. They were declining charge per my request. They closed this account and issued me a new card.

Several minutes later I received a call regarding my personal Mastercard credit card that was being attempted to be charged. Again I declined the charges and they put a watch on my account.

I have ( had ) a Visa credit card thru Chase Bank that I occasionally used for online purchases that I received an online statement from showing a charge for {$230.00} from a " XXXX XXXX XXXX '' merchant, for something I did not order. 
Several days later I received a package from this merchant that was promptly returned to the post office unopened. They marked it as refused, and I assumed they were sending it back. 

I kept receiving statements from Chase and have had several conversations with their fraud department claiming I did not make this purchase. Returned to post office to track the return. I sent them documentation from the post office that this package had been disposed of due to the fact of the way it was sent w no return postage guarantee.

I have since closed ALL of my accounts with Chase and my statement balance is now over {$300.00} with their late fees. I am not paying for something that I did not order.

The only place these 3 credit cards have been used that I can determine is on XXXX, lesson learned do not store credit card info on these type of sites.
Consumer complaint received 2020-09-04
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. (FL)

CONSUMER FINANCIAL PROTECTION BUREAU Experian HAS CONTINUED TO CLOSE MY DISPUTE AS EITHER DUPLICATE OR WITH THE FOLLOWING RESPONSE TO MY COMPLAINT " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. According to the federal Fair Credit Reporting Act, " if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' Therefore, you can dispute any inaccurate information directly with Experian for free. If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number that displays on your Experian personal credit report, or visit our secure web site at www. experian.com/dispute. '' I HAVE BEEN SENDING AND UPLOADING LETTERS, AFFIDAVITS AND POLICE REPORTS to the EXPERIAN dispute portal as indicated in their response ABOVE since XX/XX/2020 up until today XX/XX/2020. I have notified Experian of a FRAUDULENT MORTGAGE COLLECTION IN MY NAME. 1 ) I HAVE PROVIDED THE FTC AFFIDAVIT. 2 ) I HAVE PROVIDED TWO SEPARATE POLICE REPORTS. 3 ) I HAVE SUBMITTED 5 REQUESTS IN WRITING TO BLOCK SPS/SELECT PORTFOLIO SERVICING FROM MY CREDIT FILE PER EXPERIAN 'S DETAIL GUIDELINES DUE TO FRAUD. 4 ) I HAVE SUBMITTED 14 LETTERS OF DISPUTE TO EXPERIAN FOR XXXX XXXX XXXX. 5 ) I HAVE SUBMITED 14 LETTERS REQUESTING THAT MY PERSONAL STATEMENT " I AM THE VICTIM OF FRAUD. SPS/SELECT PORTFOLIO SERVICING IS NOT MY ACCOUNT AND I HAVE FILED A POLICE REPORT OF FRAUD FOR XXXX XXXX XXXX ''
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2017-08-10
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. (FL)

For the past 5 to 7 years there has been over XXXX hard inquiries on my credit report of which I am responsible for XXXX to XXXX, the most. The rest has been the actions of thieves with my social sec number, using variations of my name, addresses, false most of them, and bogus phone numbers, all that in the island of Puerto Rico. I am currently living in another state and communicated the issue to trans union the agency running most of the bogus inquiries. Their answer was to call and write the numerous banks, car dealers and financial institutions where the inquiries were made. I did but to my surprise, the answer I got from all of them is that they have no record of an inquiry, not records of my social sec number or name. Even the false names and addresses that appear on my report were not recognized. Worst is that in the end I am stuck with a bunch of inquiries that I did n't do, my score is affected miserably and trans union keep sending me to the same lenders and service providers that already told me they have no inquiries under any name or social sec number that I provided to fix the problem. However, to be fair with them, they did process a security fraud alert very quickly and took a bogus account under my name out of the report. The options I have to fix that problem is wait 2 years after each inquiry to be taken out and that for me is simply unacceptable. Any way you can help me will be much, very much appreciated.
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

I filed a complaint ( CFPB complaint # XXXX ) regarding this company debt collection process. No dunning letter was every received from this company. To date, they are still reporting this debt on my credit file and no debt validation has been provided. Additionally, this company stated that the account they have reporting would be removed from my credit profile as a response to my complaint. As of X/XX/2017, this account is still reporting to both XXXX and XXXX.
Consumer complaint received 2020-09-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been a customer of Bank of America since 1982. I just realized they started charging me a fee on both my savings and checking account. The savings account is an account they made me sign up for over 10 years ago in order to benefit from another product they offered. There wasn't much money in the savings account but now it is negative. I have never hear of a " savings '' account in which you lose money. Then I realized they have been charging me XXXX a month fee for checking. This was something new. They said they changed my account, although I didn't ask them to change my account. The manager at customer service said I can put you in another checking account program that doesn't have fees. Why would I choose an account with fees when there is an account type with out? Remember I never asked to switch accounts in the first place. Bank of America is playing games with peoples money in an effort to increase revenue. This is not what I signed up for.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Complaint I would like to report a crime ring involving XXXX XXXX and Transunion. XXXX XXXX, XXXX XXXX XXXX, TX has XXXX area properties. I have proof that this company allows residents to use fake and fraudulent information to rent apartments. In collusion with Transunion, individuals are able to rent apartments on someone elses name. Transunion allows credit checks and rental screenings from properties that have subscribed to their rental screening service to have access to credit files that are protected by the consumer requested security freeze. This false pretenses and ID theft has negatively affected my credit and should not be tolerated. Both XXXX XXXX and Transunion should be investigated for these crimes. Victims like me are unable to receive relief from local law enforcement, and these companies are taking advantage of it. Dates of these transactions are XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (OH)

I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to INNOVIS and there is no third party involved. INNOVIS has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. I ALSO DEMAND THE INNOVIS VERIFICATION METHOD. WITHOUT RECOURSE. 
I HAVE WRITTEN YOU ONCE, AND YOU FAILED TO REPLY CLOSING THE CLAIM FRAUDULENTLY, IF YOU DO SO AGAIN I WILL FILE LITIGATION.