davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
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. (IL)

In accordance with the Fair Credit Reporting act, the below accounts 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX  : account # XXXX XXXX XXXX XXXX  : account # XXXXXXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (FL)

To whom it may Concern, I opened the bank account late XXXX of XXXX  and I have been having various issues. Each time I contact customer service and the fraud Department I get misleading information and can't access the funds deposited to my account. It has caused and causing financial distress. I have had my rent check to bounce from XXXX  XXXX XXXX  because I can't transfer my funds from Citi bank to XXXX XXXX. The closes branch to my location is in XXXX, Fl and im currently residing. in XXXX, Fl which is more than four hours away. I have taken today XXXX  XX/XX/2022 off to try and get the issue resolved. I can't wait 30-60 days for my funds. Im requesting a full refund of my deposited funds to Citi bank and the mental distress it has caused me and the bounced check and my landlords late fee compensated. I am more than confident that im not the only consumer that has had issues with Citibank ( that has caused financial distress ). 
XXXX XXXX Checking account XXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2021-08-17
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: ALLY FINANCIAL INC. (LA)

On XXXX, 2021 I obtained an automobile loan through Ally Bank for $ XXXXOn XXXX, 2021 the car was in a car accident and was totaled by XXXX insurance company XXXX XX/XX/2021 Ally reported to the credit bureau XXXX automobile loan in the amount of {$29000.00}. After they received a payment of {$19000.00} from XXXX. I contacted Ally and informed them their reporting information should be corrected I also filed a dispute on both occasions I was informed that the information was correct. In XX/XX/2021 GAP Insurance paid an additional {$4000.00} on this account. However as of today XXXX XXXXmy credit report shows that I still owe Ally {$29000.00}. Ally has refused to update my credit report with the correct information
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (AZ)

Financial XXXX, Redlining, by US Bank created a health and safety concern for me.

US Bank was fine with me using the card until I spent money at an establishment predominantly patronized by non-white men and women. Then they stopped the card for fraud.

The fraud department was unable to verify me through the automated system so I was stranded in very cold weather in a place where I don't know anyone.

This bank should be investigated for redlining by creating fraud holds more often and aggressively on cards in locations predominantly frequented by persons of color.

If a fraud hold is needed they need to have an immediate call transfer to a live person so that an emergency does not happen like last night.
Consumer complaint received 2018-06-28
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: EQUIFAX, INC. (MS)

XXXX has failed to correct the problems with multiple disputes Concerning XXXX Bank in error reporting of {$8.00} refund made to me instead of me making it to them despite photocopies of refund check both sides made to me. This information should have never been reported to all three ( 3 ) major credit bureaus. XXXX  allowed XXXX Bank to change {$110.00} refund made to me from XXXX Bank to a balance due of {$110.00} where I disputed to {$120.00} where It is currently being disputed as of XX/XX/2018. I did, as well, provide photocopies of {$110.00} both sides in multiple dispute. I have no reason anything would be much different from XXXX.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company (UT)

Guild mortgage has attempted 3 times to make unauthorized debits against my checking account. I have not set up auto pay with this institution nor did I authorize a one time electronic debit authorization. The first unauthorized attempt was made on Monday XX/XX/XXXX. The second was on Thursday XX/XX/XXXX. On the XX/XX/XXXX I contacted my financial institution to verify that Guild mortgage was the correct company attempting to access my account. I also contacted Guild as was told no such attempt was made. Guilds customer service line further informed me to e-mail the customer service department to open a order to rectify the matter. I sent the e-mail on XX/XX/XXXX to their customer service department. I received the following reply the same day " Thank you for your recent inquiry to Guild Mortgage Customer Service Department. We appreciate the opportunity to assist you. We will review your inquiry and provide a response within three ( 3 ) business days.

Guild Mortgage Company Customer Service Department **** PLEASE DO NOT RESPOND TO THIS AUTOMATED RESPONSE**** Customer Service N/A Customer Service O : XXXX Company NMLS # XXXX Equal Housing Lender Guild Mortgage Company '' Today XX/XX/XXXX a third attempt was made to debit my checking account. I contacted guild at XXXX and was told that my e-mail was ignored because i did not send a copy of my checking account showing the charges. I feel that sending my account information to a unsecured nonspecific general e-mail account is inviting further unauthorized transaction or outright identity theft, and will not be doing so regardless of their request. So I asked to speak to a supervisor and informed them that I would lodge a formal compliant with the FTC, FDIC & CFPB.
Consumer complaint received 2022-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (GA)

I purchase a XXXX XXXX XXXX from XXXX XXXX in XXXX, GA on XX/XX/XXXX. They force sold me a Extended warranty, they told me I had to take it. On XX/XX/XXXX my car shutdown on me on XXXX headed XXXX XXXX. When I had my car towed into the Dealership service Department they stated the Warranty Company said they would not cover the repairs because I neglected maintenance on my car. My Father is a Used Car Dealer, been in the Industry for 35 years and have friends who work for Extended Warranty Companies. They all said this is Fraud and both the Dealer and the Warranty Company are liable for damages. They tried to make me buy another car but right now I want to sue both the Extended Warranty Company and the Dealership for Fraud. I have reached out to a Attorney today.
Consumer complaint received 2021-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have a chase Ink business credit card. 
Opened this account XX/XX/XXXX. 

When the pandemic hit, we went through hardship and my wife and I were on unemployment. We were receiving money from unemployment. This was used to survive during XXXX. 

So we could not pay as we would have wanted to. So Chase closed the account. I have had a long history with Chase bank and this is the first card that has been like this because of situations outside of my control. 

So because we could not pay, we deferred payment and had many late payments on my credit record. 

We sold our house for extra short term income in XXXX and paid a lump sum to the card through those proceeds on XX/XX/XXXX. 
I paid {$8100.00} on XX/XX/XXXX to the card. 

My wife and I have started our own businesses to try and make ends meet from the proceeds of our house sale. The reason there was a gap between when we sold and when we paid the card was because survival was our focus. 

I called XX/XX/XXXX to chase to see if there was anything that could be done to remove the late payments from my credit records but Chase said nothing could be done. In order for me to continue to do business and expand, I would need credit cards but because of this, I am not able to open or qualify for a business credit card. 

I have the funds to pay it off now but wanted help. what would be the amount i would need to pay if they accept so that they could remove all the late payments on my reports?
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MI)

At the end of XX/XX/2020 my homeowners insurance was due to expire. My taxes and insurance are escrowed and have been since I have had the loan. Due to the pandemic I have been dealing with health issues within my family. 

I got a notice from Chase Bank in XXXX notifying me that there was no insurance on my home. I asked Chase Bank why they did not pay my renewal bill at the end of XXXX since money is escrowed to cover that bill. Chase Bank said they did not receive an insurance bill from my insurer. I asked Chase Bank why they did not contact XXXX and get the renewal bill since they did not receive it. 

Chase Bank stated they called XXXX but could not get anyone to answer the phone. I said it was your responsibility to wait and get an agent on the phone and get the bill no matter how long it took. They disagreed. 

When I got the notice in XXXX notifying me I did not have insurance, I called XXXX  and had insurance restored. I had to have a whole new policy written because Chase Bank did not do its due diligence in obtaining my insurance renewal. The renewal bills are not sent to me because I have an escrow account. 

On XX/XX/2020, Chase Bank took {$2100.00} from my escrow to cover my new insurance policy. However, on XX/XX/2020 they took {$1500.00} from my escrow account to cover force placed insurance for XXXX and XX/XX/2020. I do not believe they followed the force placed insurance laws of RESPA and they depleted my escrow account in the process. I had to place {$1600.00} in the escrow account to insure my upcoming taxes would be paid.
Consumer complaint received 2019-01-07
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: EQUIFAX, INC. (TX)

I submitted an complaint through the CFPB on XXXX, Equifax, and XXXX the complaint number is as followed : ( XXXX XXXX ), ( EQ XXXX ), ( XXXX XXXX  ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, Equifax, amd XXXX is allowing XXXX XXXX XXXX  to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX XXXX XXXX XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX XXXX   they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, Equifax, and XXXX is defaming my character with XXXX XXXX XXXX by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX   XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX   has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX  needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau
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. (OH)

Every year something was reported on my credit and not having my consent. I never instructed them to furnish this report, to create this report in the first place. 15usc1681a ( 3 ) 15usc1681a ( 4 ) 15usc1681b ( 2 )
Consumer complaint received 2022-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

About 7 years ago, I had a 2 year contract with XXXX with only a couple of months left to go when the phone stopped working due to an internal software issue and nothing I had done. Even though I had been paying for full coverage insurance every month for almost years, they wouldn't cover my phone because it had a small Crack in the corner of the screen. When I told them to fix the phone and don't worry about the Crack, they said it didn't work like that. They don't really fix your phone, they trade you for another one. So in order to do that your phone has to be in perfect cosmetic condition. Not only did they not validate my insurance, but they wanted me to pay hundreds of dollars for a deductible, to fix the phone, AND they wanted me to pay the monthly bill for a phone that didn't work. I told them I'll just go get a prepaid and cut my losses, and they told me I would also have to pay money for " breaking my contract ''!!! XXXX refused to help me resolve this issue in any way, then they sent it to collections where it has been ignored for years waiting for it to fall off my credit report. Only now there are XXXX XXXX accounts with 2 different numbers and two different amounts! One of them isn't mine, and the other should be erased out of decency!!!
Consumer complaint received 2019-01-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (GA)

On Monday XX/XX/XXXX, I received a message from Suntrust bank to contact them immediately concerning our savings account. I called them and was informed that there had been two fraudulent withdrawals from a Suntrust branch in the Washington DC area. One withdrawal was {$1000.00} and the other one was for {$2100.00}. The person who made the withdrawals had a fake drivers license with my information on it and Suntrust actually had the license in their possession. Over the next several days, I was told that Suntrust had put the money back into our account. I was contacted by the XXXX county Police Depart. In Maryland on Monday XX/XX/XXXX with a case number. The fraud actually took place in Maryland. I can't see the balance online because they have it locked. I went into the local Suntrust branch in XXXX, Ga on Monday XX/XX/XXXX to transfer some money from our savings account to our checking account and learned that the money has not been refunded back to us! The customer service representative called the fraud department and I was told I would be contacted in 24 to 48 hours. As of today on Mon. XX/XX/XXXX, I have not heard one word from them and the {$3100.00} still has not been refunded. It's now been six weeks. This is not acceptable. Please help me to hold Suntrust accountable and to return our money! 
Thank you
Consumer complaint received 2021-08-16
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: GOLDMAN SACHS BANK USA (CA)

Apple reuses to resolve my complaint about a fraudulent transaction with an apartment complex, I have provided them proof and ask for this to be resolved several times.
Consumer complaint received 2022-08-09
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: JPMORGAN CHASE & CO. (IL)

There are still inaccuracies on my Credit report, which are 2 Chase Act # ending in XXXX and XXXX. I have not gave them permission or consent for these accounts. under 15usc 1681a ( 3 ), they have done things without my permission. Also they did not respect my rights to privacy pursuant to 15 use 1681 a ( 4 ) as well. they never had permissible purpose which is under 15 usc 1681b ( 2 ). I never instructed them to furnish this report and I never consented to this at all.
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (WI)

The debit thats reporting on my credit report I noticed I called and I was told I can pay the debt by the company set up payments. Days later I was told due to state laws and regulations a payment cant be accepted after I was told I can pay debt. Also I was told by the company they was working to get this account removed and so on and its been two years still hasnt been closed out.
Consumer complaint received 2018-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (NV)

I'm writing about a over 30 years old fraudulent student loan. I was a minor when I attended XXXX XXXX XXXX. This was a corrupt XXXX school along with over 36,000 students, my information and signature has been copied and pasted on documentations without my authorized consent. I do not have any signed contracts with any collection agencies or loan services. I've contacted Navient loan servicing about this fraudulent claim by certified mail on XX/XX/2018. Also, reported by CFPB Navient is facing 4 lawsuits alleging that it harmed student loan borrowers throughout the repayment process. Navient miscalculated payments, steered struggling borrowers toward multiple forbearance instead of income-driven repayment plans, and provided unclear information, etc ... I've contacted ALL 3 credit bureaus, XXXX  has completely removed this from my credit report. However, XXXX  and XXXX has refused to remove this fraudulent account from my report. I've submitted them with a XXXX police report # XXXX and have contacted the FTC # XXXX as well.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MD)

I applied for a XXXX credit card on XX/XX/2020, was told that I don't have any existing credit account on my Equifax Account. I have checked with all of my credit issuers, and they're indeed reporting to Equifax. 

I called Equifax on XX/XX/2020, and was told the same thing and to fax/mail my documents to verify my identification, and was told that it should be received within 3-5 business days. 

I faxed over my SSC and DL on the same day. In fact, 3 copies in case one of them is lost. 

On XX/XX/2020, I called back Equifax 2 times to check the status. The first call confirmed the documents are received on XX/XX/2020, but the call was hung up later. The second call got escalated to a manager, who also confirmed the documents are received and read me my cover letter of the fax ( which is correct ), but they can't help me at the time because it was late and the specialists of the relevant department are already off work. I was given a confirmation number XXXX and told to call back again the next day. 

I called again on XX/XX/2020. 3 times in fact. None of the specialists who picked up the phone says they can find my document ( the one I faxed over ) nor the confirmation number that was given to me. Explanations were not provided and 2 of the calls were hung up. 

It is absurd that Equifax asked me to fax over my documents again when they have already received them.
Consumer complaint received 2021-08-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (GA)

To whom it may concern, my name is XXXX XXXX and I am writing today about my PayPal account " XXXX ''. PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. Any disputes or returns were settled and all my customers were happy with their product. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves. PayPal transferred my whole balance and took my hard earned money of {$3300.00} on XX/XX/2021. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by PayPal. I have tried to resolve this issue friendly with them many times, but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 

Looking forward for your reply. 
Thank you
Consumer complaint received 2022-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

The credit card company stated they tried to withdraw the money for a payment on 4 occasions and the bank refused to pay ( insufficient funds ). The bank claims they never contacted them. I finally mailed a cashiers check to Barclay 's Bank which they received and cashed ( copy attached ) on XXXX XXXX. To date they have not credited my account. I have complained several times but their customer service only says they " will investigate ''. 

My credit rating has been affected by their sloppy practices. This has been going on since XX/XX/2022. 

See cashed check and reconcilliation attached.