davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I've opened a Saving account and Safe Deposit Box with Suntrust Bank Branch location : XXXX XXXX XXXX XXXX, XXXX, GA XXXX in XXXX. I forget all about the safe deposit box due to me moving. I went back to the same branch location earlier this year attempting to retrieve the contents/ property that was inside the safe deposit box. The branch manager attempted to lookup my information via my Social Security, Name, Address. She stated system shows " no account found ''. I explained to her that the saving account and safe deposit box was opened Under Suntrust Bank, not, Truist. She stated system would have still found my account base on my social security. The Safe Deposit Box had my original Birth Certificate and I want it back. I also had other personal items inside the safe deposit box. I want all the content back. I'm originally from XXXX, it will be extremely difficult for me to get another copy of my birth certificate from XXXX due to the country 's political unrest. At no point did someone from Suntrust or Truist bank contacted my about the safe deposit box. Never received any letters regarding box being closed down. I currently live in Florida and attempted to get a local branch manager at Truist in XXXX XXXX, FL to assist. She went an email to the XXXX, GA branch and XXXX XXXX was supposed to get back to me, but I have not heard anything over 2 months. I also contacted GA Dept of Revenue/ Unclaimed Property division and they don't have any item for me from Suntrust/ Truist bank .
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc. (IL)

OK I have paid my house payment on XX/XX/2020 to fci lender services and with in a couple of weeks they sent it back. I pay Fci but partners for payment relief has my loan. In XXXX Fri sent the money back when I received it back I called them to see what was going on and they told me that as of XX/XX/XXXX they don't have me no more and couldn't tell who I pay my money to so I called partners they told me they will look in to it I have called every week and they tell me the same thing that they have hired a attorney to get a opinion on what to do so I called today she told me that she is waiting to hear back from him.. And so I'm getting behind on my payments and don't know what to do.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act Convergent. 
XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

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
Consumer complaint received 2022-09-25
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX  : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have violated my rights. 

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (NY)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on 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
Consumer complaint received 2020-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

I am a victim of check fraud amounting to {$10000.00} being stolen from my checking account. I submitted a claim to US Bank and they denied it stating that I failed to secure my checks. This claim is false and based on zero evidence of such neglect on my part. I resubmitted the claim to appeal their decision, stating that these checks were destroyed back in 2017. This second claim was also denied. 

Checks were created and cashed with XXXX in the memo, and a signature that does not resemble my signature whatsoever. 11 checks in total were forged, and completely depleted my checking account. 

Checks with dates and amounts are as follows : XXXX {$250.00} | XXXX {$49.00} | XXXX XXXX XXXX XXXX {$49.00} | XXXX {$250.00} | XXXX {$4000.00} | XXXX {$49.00} | XXXX {$250.00} | XXXX {$5000.00} | XXXX {$5000.00} ( This check bounced ) | XXXX {$49.00}.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

XXXX XXXX reports monthly to all credit bureaus that the account is charged off. The account has been closed since XXXX. In addition, they are reporting a balance due although they have already written the debt off.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX my family and I were supposed to fly out of XXXX XXXX XXXX XXXX XXXX ( XXXX ) back home to XXXX XXXX XXXX ( XXXX ). The flight was to leave on XX/XX/XXXX at XXXX. I checked into the flight on XX/XX/XXXX at XXXX and printed my boarding pass. At XXXX on XX/XX/XXXX I received notification on my XXXX  app that my flight is being delayed until XXXX on XX/XX/XXXX. At XXXX I received a follow-up alert via XXXX app saying my flight was now being delayed until XXXX on XX/XX/XXXX. At XXXX I received, yet again, another notification, this time via email, that I am being rebook to a connecting flight from XXXX at XXXX to XXXX XXXX XXXX ( XXXX ) and then a connecting flight to XXXX. I tried to get ahold of someone on the phone, however, I was met with an over three hour hold. My daughter had XXXX XXXX XXXX on XX/XX/XXXX, and I was already worried about traveling with her in the airport during the Covid-19 outbreak, however, I became even more stressed when I learned that without my permission I was forced off the flight. We were told that the XXXX flight, out initial flight, was overbooked and the reason we were bumped off the flight was because we used reward miles. When I finally got ahold of a representative from XXXX XXXX on Tuesdays around XXXX, I was told it seemed there was a system error which caused for my family and I to be re-assigned to another flight. I, however, should not be penalized monetarily due to a system error. 
Due to the uncertainty of what was happening in XXXX XXXX the only other way to get home was to rent a car and drive cross-country with a XXXX old baby ( who had XXXX XXXX XXXX on XX/XX/XXXX ) and I was incredibly upset, stressed, and worried for the health of my daughter. Not to mention the stress it caused my daughter to have to be in a car for almost 40 hours driving back home.
Consumer complaint received 2022-03-28
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act Convergent accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy In accordance with the Fair Credit Reporting act Convergent account # XXXX, has violated my rights 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2021-06-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Hi, I have had the exact same credit score with Equifax for over 2 years, which is extremely abnormal considering my contined score improvement with the other bureaus. I've looked at my report and I don't see anything out of the ordinary, all great reporting from creditors. I called Equifax and they will not help me or tell me how my score could be the exact same number for years. The guy I spoke to today, XX/XX/2021, said he can only see what I see when I pull a report. I repeated multiple times that the trouble is not with the report but something to do with my account because it's not updating. He continued to refuse to help. I can not dispute credit items because there is nothing to dispute. This is keeping mid range score ( from the three bureaus ) down and affecting my ability to refi for a better rate. 

I have gotten new cards over the past couple of years and they use them and pay them off regularly so I know my score should be going up. 

I hope you can help.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name XXXX XXXX XXXX XXXX. Account Number : XXXX ; Account Name : XXXX XXXX XXXX, Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA XXXX On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX XXXX
Consumer complaint received 2022-03-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EOS Holdings, Inc. (PA)

I do not recall the exact it however it has been more than 30 days since I disputed these items the balance is include {$2400.00} {$870.00} {$1000.00} XXXX
Consumer complaint received 2022-04-25
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: The CBE Group, Inc. (VA)

n accordance with the Fair Credit Reporting XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C.1681 section 602 A.States that 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 an account with out my written instructions. 

15 U.S.C. 1692C Without the prior consent of a consumer giving directly to the debt collector or express of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2018-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: MIB Group, Inc. (FL)

I dont have any of these sickness that have been place on my MIB report. I believe someone else information was placed under my name. Please reach out to my Physician for my up to date Medical records. 
XXXX XXXX XXXX XXXX Or fax number XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX or fax XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2020-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (NJ)

Im customer a chase bank! I send {$400.00} to my friend to XXXXwith  XXXX The money went a totally different phone # I lost my money I went to my local chase bank on XXXX XXXX in XXXX XXXX XXXX I filed a complete and they tell me to give them 7 or 10 business days and 15 business days I call chase and the answer I got Im sorry you lost your $ XXXXdollars. I went back to chase on XXXX XXXX in XXXX XXXX! Same answer Sorry nothing I cant do you lost yours {$400.00} dollar!!!!
Consumer complaint received 2022-08-09
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. (FL)

I have a few unauthorized adverse XXXX XXXX XXXX XXXX accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. Equifax sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and equifax provide me with a confirmation numbers for every account mentioned here. Please send me my consumer report showing the deletions as proof or evidence. The accounts to be removed are two XXXX XXXX charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (GA)

PNC doesn't allow me to link my account with XXXX. I am currently using XXXX as my savings and investment account, and have my other Bank linked to it and would like to link PNC. This is not an option and I honestly am considering changing banks, because of it. It is my money, my account.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

FromXX/XX/2020-XX/XX/2021, I was trying to secure housing for my children as I had lost the house in my divorce to their father. I worked with the company New American Funding to receive my loan. I made it all the way through the process of buying a home- putting down earnest money, paid for the inspection, got my insurance on the home, turned on utilities and my mom gifted me my down payment. I was originally supposed to be in the home by XXXX but the underwriter kept pushing back for whatever reason. I asked my dad who was also an underwriter and he said I shouldn't have had such a hard time with my conventional loan and that something didn't seem right since I should " ; ve been in the home and not still bouncing between homes like I was. At the end of the situation, I had to terminate the agreement since The underwriter claimed the issue was my " scattered employment '' and wanted dates instead of blanket statements?- which I provided to the underwriter. I gave her my full dates and the loan processor said it was good. The whole issue was causing me a lot of stress because my children also wanted a stable roof over their head and unfortunately they were disappointed and I lost my earnest money. I had literally just left an abusive marriage and had been providing for my children ever since I left their father and my final straw was being told " XXXX XXXX XXXX '' was a blanket statement. I think the company also shouldn't have let me get so far as submitting my money for closing- which I was ready to do multiple times. Including having help from my own mother - I just feel like I should've been rejected instead of being put through the entire process.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Unique Management Services, Inc (MI)

Dated on XX/XX/2020. {$94.00}. Due to COVID-19, the community has been authorized waived fees for materials. During this time credit scores are impacted due to management processes and several notifications and calls have been made to communicate with library staff.
Consumer complaint received 2022-03-28
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: LEXISNEXIS (MI)

I have written countless letters and called XXXX XXXX number for assistance, to no avail I haven't received a call back or a letter, only one from Lexis Nexis Risk Solutions LLC, requesting my information, which I sent in a copies of my Driver License, and Social Security card. I also sent certified letters too. I requested to have my accts freeze and copies of my data sent directly to me, because its outdated and incorrect information. Each of the companies neglected my request and hasn't responded to certified mail or call ins. 
XXXX XXXX DL # XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Background : My Chase Sapphire Reserve Credit Card currently has an annual fee of {$550.00} and a Credit Limit of {$1500.00}. I was charged the annual fee on XX/XX/XXXX this year. Chase has reached out and said that they would credit {$100.00} to reduce the annual fee to {$450.00}. 

Issue : Per the Credit Card Accountability, Responsibility, and Disclosure Act of 2009, no company can charge an fee ( including an annual fee ) that is more than 25 % of the credit limit. The current annual fee, that I am being charged now, is above this threshold.