davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America took {$1500.00} plus {$120.00} out of my savings account on XX/XX/XXXX. 
Reason said LTS Legal Svc and Legal Fees. 
I knew i had no outstanding debts. 
Called BoA XX/XX/XXXX. After several calls was told i needed to call NJ Courts to get ANY info. This started months of getting the run around. 
I was able to get a copy of the official NJ Civil Suit. IT IS NOT IN MY NAME. But the person 's address is mine. 

The letter from BoA advising me of a debit to my account clearly states another person 's name in the subject line as well. This letter was late in being received. The person named on the suit/letter formerly lived at my address. 
In summary, BoA took MY money for someone else 's debt. 
In the last few weeks i have been in contact with their XXXX customer service. They have the situation as " escalated '' at this point. They're waiting for lawyers to get back to them. I demand my money returned to me now.
Consumer complaint received 2017-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hello, I was a VICTIM of TransUnion 's inquiry issue. Talked to the representative of TransUnion and they could not help me with these issues. 
Here are the list of the inquiry issue on my credit report : Business Name, Inquiry Date, Business Type XXXX/XXXX XX/XX/XXXX Credit card and travel / entertainment companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX  XX/XX/XXXXMiscellaneous and public record XXXX XXXX XX/XX/XXXX Finance other than personal Please delete these inquiry issues with TransUnion. 

Thank You
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-11-11
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. (NY)

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.
Consumer complaint received 2021-08-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

XXXX  ONLY responded with the info and history of the charge off. XXXX  DID NOT address the complaint and remove the Paid in Full charge from the credit report.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brightfunders, LLC (TX)

I initiated a refinance and during the initial call I was told a few things. 

Total fees would be {$3100.00} ( title : {$1500.00} & Origination {$1600.00} ) my total closing costs were {$5300.00}. 

I was told XXXX would purchase my points as a promotion. The closing disclosure has a charge of {$1500.00} charged to me. 

I was told I would be refunded half of the {$570.00} appraisal. I can only assume this is in " other credits '' on my closing disclosure but I don't know. 

Every time I questioned the closing docs the answer was " these things are always so wrong ''. 

This entire process was based on lies from agents working with XXXX. I believe this is fraud.
Consumer complaint received 2021-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (NV)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2017-09-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: SUNTRUST BANKS, INC. (FL)

This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month
Consumer complaint received 2020-09-17
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. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :
Consumer complaint received 2021-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have been sending correspondence to each bureau since XX/XX/2020 trying to rectify this inaccurate and false reporting items. They finally respond with verified but provided no actual verification. I feel like I'm just another number instead of a customer or person. I am requesting they provide the correct documentation on when I was late with my payments. As mentioned in all my previous letters my information was compressed by the XXXX data breach and Im afraid more than ever my information has got into the wrong hands. It has been over 90 days and these inaccurate items are still showing. I've been doing research and per FDCPA it is illegal to report inaccurate items.
Consumer complaint received 2017-09-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I closed an account in XX/XX/XXXX ( from Charter One Bank ), the same week I had a XXXX XXXX. I completely forgot about this in the following weeks. On XX/XX/XXXX, I found and presented the cashier 's check ( # XXXX for {$29000.00} ) to the now Citizen Bank branch at XXXX XXXX XXXX XXXX XXXX, Ohio. They accepted the cashier 's check, and I opened a cd and a checking account. Several days later, a letter arrived from Citizen Bank, XXXX XXXX XXXX, XXXX, Rhode Island XXXX. It stated the check would not be honored. They have possession of the ' official check ' ; I have two accounts with XXXX balance, and they want {$20.00} for a returned check. They advised to check Ohio unclaimed funds, but there is nothing listed there. 
I want the proceeds from this cashier 's check. Please advise what you can do. Thank you.
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (NJ)

I received no written notice on the debt owed from the company. I received two robo voicemails : one on XX/XX/21 from XXXX XXXX IL, XXXX on XX/XX/21 from XXXX XXXX, FL. From there, the calls were then blocked automatically for appearing to be fraudulent. Calls were made from numerous different locations, and without any written notice given, this seemed to be a scam. Then, still with no written notice, and no further contact, Americollect issued a derogatory mark on my credit. No actual information was given to pay this debt.
Consumer complaint received 2018-04-02
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Auto Loans, Inc. (MD)

I'm writing today because Security Auto Loans is reporting an alleged debit to my credit report with no proof. I have reached out to Security Auto Loans on more that one occasion requesting that they verify this debit. There has been no instance where security auto loans have responded back to me at all. I have asked them if they could send me some type of documentation to validate the debit ( preferably a copy of a signed agreement ) but i have been ignored with every request. The attached documents below are copies of the Latest letter that i have sent to Security Auto Loans requesting for proper validation of the alleged debit. The first letter dating back to over 90 days ago on XX/XX/XXXX and the most recent being XX/XX/XXXX. I have filed a dispute of the debit with XXXX who states that's security Auto Loans are responding back to them stating that the debit has been verified however Security auto loans has not provided XXXX nor I any documentation or information to which they have validated this debit. 

The following numbers are tracking numbers for a couple of the many letters i've sent to Security Auto Loans with regards to this issue. 

Tracking Numbers : Security Auto Loans XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered XX/XX/XXXX|US Certified Mail|DV - Debit Validation|XXXX|Delivered No Reponse
Consumer complaint received 2022-01-07
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Experian has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing in today in regards to my account with Capital one account # XXXX. I am writing today in regards to the two late pays reported on my credit file in XX/XX/2020 and XX/XX/2020. Due to Covid I had an issue making the payments as soon as I was able to I got those payments made.
Consumer complaint received 2020-11-03
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

The unverified items remain on my credit report in violation of Federal Law. I am prepared to take legal action. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct, NOT JUST BY A COLLECTION AGENCY OR COMPANIES STANDARD, YOU MUST PROPERLY VALIDATE THESE THINGS AS THE FURNISHER OF MY CREDIT REPORT. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Citibank is constantly charging me late fees for payments that have been sent well before the due date. The last check sent was dated XX/XX/2021. The due date was XX/XX/2021. They claim they didn't receive the check until XXXX XXXX. I called them and inform them when the check was dated and advised them that this was becoming a constant practice with them unjustly enriching themselves at my expense. They refused to take the fee off stating that they have already allowed me credit for one fee. 

The problem with that explanation is that they have charge me numerous late fees for the last four or five months. I advised them that there is no need for me to continue sending payments to then when, instead of deducting from my account they are taking my payments and adding late fees, blaming the post office, telling me to send payment in earlier. Unfortunately, I can not prove that they are deliberately holding my checks for the sole purpose of profit.. 

I send all credit card payments out at the same time and all the checks are cashed within the due date.except Citibank. I don't know why they are exploiting me except for the fact that I have closed my account with them after 28 years of excellent credit. I'm at at lost of what to do since I can not continue to make payments to Citibank without being properly credited. If necessary I can dig out the statements from the previous months to support my complaint. 

Thanking you in advance for your courtesy.
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

To whom it may concern, On XX/XX/2010 around XXXX XXXX I went to my SunTrust Bank ( XXXX, VA branch at XXXX XXXX XXXX XXXX to deposit the money collected by my XXXX years old son over one year to buy his own laptop. The money were {$470.00} in cash and {$93.00} in coins. The bank door was closed due to Covid-19 so we went to drive through that was open at the time. I sent the {$470.00} and half of the coins ( i.e. they were heavy ) in the tube and told the teller that I am going to send him the rest of the coins in another tube in addition to my ID. The teller asked that I come inside the branch, better than using the tube system. 
My son and I went inside and started working on the coins to be put on the appropriate coins paper rolls. I had to leave the bank to pick up something else from a nearby store and asked my son to complete the deposit. I came back in 10-15 minutes and called my son to come out after he finished the transaction. My son didn't have the deposit receipt and when I asked him, he said the teller told him that you will see your deposit on line after a few minutes. 
I checked my account on line and there was only {$93.00} deposited ( i.e. the coins only ). So I called the teller to ask about the {$470.00} cash, he said that he didn't see them and he will check his drawer and get back to me. I had to call him again to find out that he didn't find the money as he claimed. I called his manager as well and customer service and filed a complaint to investigate their Camera system hoping to find a resolution but I have not heard back from the bank as promised by its manger. After a few days, I called the bank 's main headquarter in XXXX, GA and filed another complaint. Three and a half weeks later there is no definite answer or a timeline that this issue could be resolved. I am really upset and frustrated from the way this bank is treating me and how they are handling this issue in a careless and not timely or professional way. 
I am hoping that your bureau can assist with this situation. Thanks
Consumer complaint received 2021-08-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

Banking while XXXX went to the counter to do a transaction bank tell was making false Statements that would regard as being XXXX Asking XXXX questions this happenedXX/XX/XXXX very XXXX experience I felt like a criminal and Im no a criminal.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2017-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Card # XXXX XXXX XXXX XXXX According to the offer the credit card holder was supposed to receive a XXXX ( {$150.00} ) in 5/3 Bank reward points if the following conditions was to be met : {$500.00} or more purchase within 90 days of account opening. The bonus was to be awarded 6-8 weeks of meeting the obligation. The obligation ( {$510.00} ) was met onXX/XX/XXXX when the amount of the invoice was paid in full. As of today I received no bonus despite contacting the 5/3 bank twice ( XX/XX/XXXX and XX/XX/XXXX ) was being informed that the points will post in XX/XX/XXXX statement period. When I called today the CSR informed me that wanted to open another case for the issue despite the case with required follow up ( it did n't happen ) was opened already ( # XXXX ). It is apparent that the 5/3 Bank is not interested in awarding the points and it keeps stalling which in itself is a breach of contract. It is also very reprehensible that the bank employees so blatantly lie to card members which also reflects poorly on the culture within the bank.
Consumer complaint received 2023-01-27
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: Experian Information Solutions Inc. (TX)

In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I called the finance company on Saturday had a payment due but wanted to know why my vehicle was reported a repo. I told the rep i did not want to make the payment until someone could help fix my account she was rude and never listened to what i had to say. I called back on Monday and asked to speak to a supervisor and was transferred to 3 different reps. Not one accept the last supervisor listened. I agreed with her to make bi weekly payments starting on the XXXX for XXXX and on the XXXX XXXX. She also sent me my payment history a first in 3 years. 
Today i recieved a call from a rep at XXXX asking me about a payment i tried to explain that i spoke with a supervisor on Mondaydid n't get anywhere i am very frustrated with this crooked finance company that has just been sued in Mass and Michigan for there illegal practices.
Consumer complaint received 2017-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (OH)

I have never had an issue with this loan before it was changed to Heartland ECSI ( https : //heartland.ecsi.net/ ). Before they switched to their new absolutely awful website, that does not even work properly to make a payment, I was making my payments with zero issues on https : //borrower.ecsi.net/. That no longer works and I am forced to use their new XXXX website to try and make payments. The first payment I had to make on this new awful system was last month, and while it was an incredibly difficult to make the payment and I could n't even specify the amount I wanted to pay at least I could make a payment and view my loan information. This month however when logging in I was getting errors left and right, it would not pull up my loan information or let me make a payment at all. Oh their online chat service, does n't work. Ah I see they have a contact number ... which no one ever answers. This is frustrating and unnecessary for a company that makes money hand over fist to roll out a system for receiving loan re-payments that does not function. Let me repeat, it is highly unacceptable for this situation to exist, and I really wish this company would be punished for making it difficult to make payments on the loans they own. If my payment does not get posted today I may have to deal with late charges and potentially taking a hit on my credit score which I worked hard to build up, all because they rolled out a system without properly testing and ensuring it works and probably skimping on paying a company that knows what they are doing to build their new site.