davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (FL)

A collection agency named XXXX started reporting a {$140.00} collection account on my credit report from XXXX. I contacted them and let them know that I already paid this bill through another collection agency, so they never should have reported it. However, all they did was update their account listing as paid. Its still on my report. Since I paid this debt through another collection agency before they even got it, there is no reason why they should have reported this account and my credit report, much less continue to report it. And now their refusal to take it off of my credit report completely, continues to baffle me.
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2020, XXXX XXXX XXXX add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and now I request legal action to remove this account immediately.
Consumer complaint received 2022-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One reported misinformation on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization. They indicated I had late payments on XXXX and XX/XX/2017, and this is not true. Under the law, 15 U.S. Code 1681b - Permissible purposes of consumer reports under the Fair Credit Reporting Act. I am requesting this be removed from the 3 credit agencies under this legal precedent.
Consumer complaint received 2021-12-02
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. (WA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-05-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Attempted to reach out XXXX XXXX Bank of America Mortgage lender on Wednesday XX/XX/XXXX for an update on a pending loan and received no response. Previously emailed her on XX/XX/XXXX responding to her email that she only sent because I reached out to Bank of America and they contacted her but refused to speak on the phone with me. Contacted MrsXXXX XXXX supervisor XXXX XXXX XXXX on XX/XX/XXXX via email and no response. Have tried calling XXXX XXXX XXXX multiple times before emailing and no call back either. The issue I am contacting about is that an appraisal has been on hold for the last 3 months and they have not been able to do it causing a delay on my living situation.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am writing this message because I found the item in Transunion that is not mine. I can not understand why this account appeared in my credit report. Its a mistake I guess, so please take appropriate actions and remove this item because its killing my score.
Consumer complaint received 2020-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a follow up to my complaint submitted to the FTC in XXXX. Somehow this was forwarded to the CFPB for review under Complaint ID XXXX. I was supposed t receive a result on this within 15-60 days from the date XX/XX/2020 as per the letter received USPS, however I received nothing. Upon further review and closer examination, I noticed that my name was misspelled as " XXXX XXXX '' although this complaint along with three other submitted to the FTC that same day against all three credit bureaus and the company XXXX was written by me and submitted correctly under my name " XXXX XXXX AKA XXXX XXXX '' so I can not understand how this error could have been made on four letters received from the CFPB. Furthermore when I queried the complaint ID in the system I found no information. I am resubmitting this and would like an investigation to be conducted on each bureau for their practices. See my original letter below with additions. 

RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against TRANSUNION Despite my attempts to dispute several items they are reporting erroneously on my credit report, they continue to violate my rights by allowing these incorrect items to remain, have not provided the proof I have requested, and instead they blatantly ignore any of my requests. I have also made a separate complaint with the FTC and with CFPB regarding the inaccurate reporting accounts ( XXXX ) which has been logged under XXXX. Transunion has allegedly reinvestigated my claims although the dispute results have absolutely NO CHANGES. They have a responsibility to do so and it is their responsibility to maintain the accuracy of consumer credit reports. Additionally they have been inserting INCORRECT INFORMATION and stating that I requested this info be inserted or " updated ''. Why would i request that incorrect information be put on my own credit report? 

Over the past several months, I have tried to resolve this issue, but to no avail. They have failed to supply me with my annual credit report which I am entitled to for free. I have made two requests and they continue to BLATANTLY IGNORE ME. In addition to this, They have me listed as XXXX XXXX, when that IS NOT MY NAME. I am XXXX XXXX. For some reason they refuse to correct or acknowledge me by this name despite the fact that they have proof and know exactly who I am. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. I am attaching some of the correspondence sent via US certified mail.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

I spoke with XXXX XXXX from Wells Fargo customer advocacy support team to resolve a complaint case ID number XXXX XXXX XXXX XXXX XXXX XXXX XXXX that complaint ID number has not been satisfied but it was closed without my permission nor have I received any information on it being closed I requested a check dated XXXX XXXX have a stop payment on it and be reissued Wells Fargo has still not done that as of yet they created another case claim number to delay the claim Wells Fargo employee XXXX XXXX has also decline to put a stop payment check on the check they did XXXX XXXX and have it reissued Wells Fargo owes me money for holding my money without my permission in accounts ending in XXXX XXXX XXXX XXXX + XXXX and XXXX and XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (TX)

Back in XXXX there was mold all over the walls of my apartment at the XXXX apartment complex. i contacted maintenance on multiple occasions and left messages for the office but no response about the black mold. i emailed them on XX/XX/XXXX about me vacating the premises because i have XXXX and other underlying health conditions and it was affecting my health they came out and just tried to paint over it and they thought i would stay. they told me over the phone that i would not have to pay the debt and they even wrote a letter of recommendation to my current apartment complex where i live now so that i could move in with no problems. now XXXX i have a collection account on all three credit reports for {$2400.00} through XXXX XXXX automated collections. now XXXX will not answer or return my calls about the debts. XXXX XXXX removed this debt in XX/XX/XXXX after filing CFBP complaint. On XX/XX/XXXX Rent recovery solution llc appeared on my credit report for the same debt but amount owed {$300.00}. I do not owe this debt
Consumer complaint received 2020-10-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Ive sent in dispute letters XX/XX/2020 to rectify my accounts with TransUnion, XXXX, and XXXX. It has Been over 30days and I havent heard anything from them in regards to my accounts.
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SYNCHRONY FINANCIAL (IL)

Sold a side by side vehicle on XX/XX/XXXX and the Loan was paid in full using a bank check on XX/XX/XXXX to Synchrony Bank ( XXXX XXXX ). Debtor has called multiple times trying to get paid loan documents including a released title to give to buyer and their financial institution to no avail. Today gave permission to Synchrony to discuss account with borrower 's financial institution and they say again, as they always, to they will expediate request for title to be sent but it could take 2 weeks. This is unacceptable and they have been paid in full for 68 days. They couldn't even tell me who regulated them the FDIC or OCC or I would file a complaint with them as well.
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MS)

On XX/XX/2018 a portion of my federal tax return was deposited into my Discover online checking account. I stopped using the account a few months previous due to the bank delaying bill payments for up to a week costing me late fees. On XX/XX/2018 I used one of the bank designated ATMs ( XXXX ) and was denied withdrawal and when I called to see why, I was given an explanation of suspicious activity because I used an ATM outside the city I live in ( same state ) but I have used this ATM on other occasions. Once I verified who I was, I was told everything should be fine but, it wasn't and I was still denied access to my account I tried making a purchase at the grocery store with cash back and was denied still. I called again and the representative told me there was a security freeze on my account and gave me temporary access for 15 minutes and said the freeze would be released in 24 hours. The explanations didn't make any sense at all to me so I tested the card the next day on the XXXX while on my work assignment in my own city of residence again the ATM transaction was denied and I was told that this bank designated ATM inside XXXX grocery store was a high security risk and a code needed to be entered in the system for that particular ATM. I explained that I have to travel back and forth sometimes for my job and I needed access to my account especially when on the highway. However, I did tell the rep that I would be contacting the FDIC about this.There were no pending transactions, no negative balance, and no report of a lost or stolen debit/ATM card before the federal tax return was deposited, I stopped my direct deposit from my job to this account a few months ago because of delayed transactions especially transfers. So I still don't have a valid reason for a security freeze and denied ATM transactions. The first of XXXX is in one day, and I do not want any more of these senseless issues when I have to pay my bills. Since when was an explanation required to access your own money.
Consumer complaint received 2022-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to TransUnion and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MD)

On XX/XX/2021 I opened a CitiXXXX account with Citi Bank, by responding to their promotional {$2000.00} bonus with a deposit of $ XXXX or more within 20 days for 90 days. 
I decided to make external transfers from my XXXX XXXX XXXX in which I have 3 accounts XXXX  saving, Checking and Share Saving with the account numbers end with XXXX, XXXX, and XXXX respectively. I have over $ XXXX cash in XXXX saving and $ XXXX in checking. 
On XX/XX/2021, $ XXXX and $ XXXX and $ XXXX were deposited to Citi Bank and XX/XX/2021 $ XXXX transferred from my account XXXX to Citi Bank. I have noticed that all the transferred funds were credited to my Citi Bank account, although I noticed the last $ XXXX were not withdrawn from my XXXX XXXX XXXX account. I called twice the Citi Bank that even my Citi Bank account has been credited with $ XXXX, there is no deduction amounts from my XXXX XXXX account. I was told not to be concerned, since it is credited to my account, the bank eventually will take the fund. On XX/XX/2021, I got a note from XXXX XXXX XXXX that there were XXXX {$29.00} charges for insufficient funds of $ XXXX to my checking account. I realized the confusion and immediately transferred $ XXXX to my Citi Bank account. on XX/XX/2021, I got an email from Citi Bank that my account has been suspended. I called the Citi Bank about the confusion between the 2 accounts and that the $ XXXX transferred already sent and deducted from my XXXX XXXX account, so there is no problem of funding the account. I was told by the XXXX from Citi Bank that bank already has decided to close the account and my deposited of $ XXXX will be retuned within XXXX days. In the meantime, my last $ XXXX was transferred back to my XXXX XXXX account. 
Citi Bank did not want to listen to the situation and confusion and the corrections that I have made to resolve the issue, but rather to close the account and avoid the {$2000.00} bonus payment which was reduced to {$1500.00}, ten days after opening my account. 
I feel I was treated unfairly in handling my account as fraud. It has been 32 days that I am still waiting for my $ XXXX first deposits. I was told all the conversations are recorded and apparently no one cared to listen to my explanations.
Consumer complaint received 2023-02-01
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (CT)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. I previously sent letters to Experian and these companies about their credit reporting not being right. None of these companies provided anything that I asked for to validate these accounts.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Mislead by sales reps to open their credit card only to be denied the " promised '' and advertised discount. 

When I went to the store the clerk convinced me to open a Kohls charge card for the additional discount. I was hesitant but figured what the heck I need a discount on my purchase. She said the discount would apply to the ENTIRE Kohls charge purchase. So I opened the credit card but I wasn't purchasing enough on that particular order and had another coupon to use. I asked if I could wait to use it and she said yes it is saved in my app. Sure enough ... there it was. 

Today, XX/XX/2017, around XXXX pm my wife and I went to the store. I told her I had this coupon for our entire purchase. She asked me what it excluded and I didn't know. So I open the app and see that it has XXXX exclusions. When I look for exclusions it simply says entire charge card purchase. So we shopped for about 30 minutes. Picked out work out clothes and some shoes. Go to the front scan the items ( {$620.00} ). The clerk asks if I have any Kohls cash and I responded no. She asks if I wanted to open the credit card and I said I already have one, in fact I want to use the coupon. Then she scans it and says it excludes these items. I responded by saying it has no exclusions and I even pulled up another coupon WITH the exclusions. She agreed it was weird but could not offer an explanation. I told her I ONLY opened this credit card for the additional discount and now I have been damaged with a credit app that lowers my score. I asked to speak with the manager and she calls over a female manager named XXXX. She also agreed and said she would do nothing for me. At that point I was embarrassed and frustrated so we left the store. However, it is unacceptable to sell a credit card under false incentives. I want an answer for this and I want everyone to know that the Kohls credit card is a rip off because you will not get what you are promised.
Consumer complaint received 2019-08-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (WI)

I have been looking for a mortgage for quite some time and saw this advertisement saying I could get $XXXX in free XXXX XXXX money from this lender and get another $XXXX  in closing credits free by going to this lender. I spoke to my regular bank and they said this was deceptive advertising.  I do NOT want to work with anyone that would be doing anything illegal so I'm not sure how to proceed.
Consumer complaint received 2017-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

XXXX XXXX recently raised my interest rate from 7.25 % to 7.5 % without notice, explanation, or legal authority. Please investigate this illegal conduct. 

XXXX XXXX XXXX
Consumer complaint received 2021-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NC)

I went to the ATM today to take money out of my Chase Bank account. I had a checking, savings, and had recently opened my daughter a bank account as well. It would not let me withdraw money from the ATM so I went inside. They told me they had closed my accounts, without warning or prior notice, and that my money was restricted. After over an hour, I got the majority of my money from them. They could provide any explanation as to why they closed my accounts. The VP Branch Manager XXXX XXXX was able to do a conference call with myself and corporate office number to try to get an explanation. I was advised this was a recorded call, so it will be available if they allow it. They told me they did not have a reason to close my accounts, that if I looked at page XXXX, and referenced exact details of my account agreement, that it stated they had right to terminate a relationship at any time. She went on to explain they did not need a reason to decide they did not want to do business with a customer and can terminate it without reason. I said that banks still usually have a financial reason and they don't seem to have one in my case. I informed her that after doing a quick XXXX review, I discovered Chase has been accused of targeting conservatives. I am not a registered XXXX but as unaffiliated have voted in a few XXXX primaries, and believe they discriminated against me due to perceived political affiliations.
Consumer complaint received 2020-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt was completely satisfied and not settled. XXXX XXXX XXXX XXXX XXXX has a third-party collection XXXX XXXX XXXX. 
That failed to comply with the Federal Credit Reporting Act. XXXX XXXX XXXX failed to offer financial assistance. With continued failed practices, this is a violation of the law, which decreases my credit score and creditworthiness.