davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have made several phone calls to the fraud dept concerning this issue. I have also sent in dispute letters to verify and validate. I haven't received a response from either party.
Consumer complaint received 2022-09-27
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2019-08-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A. (FL)

PNC Bank on XX/XX/XXXX charged my account with a {$36.00} overdraft fee after accepting a payment for {$150.00}. My account didn't have enough funds but PNC went through the payment and afterwards charged the {$36.00} fee. 

It is not the first time PNC has done this. It should be a simple rule ; if there is no enough funds in the account, do not accept the payment. 

I called on Tuesday, XX/XX/XXXX to ask them to reverse the fee and to ask them why they didn't reject the payment. It is just common sense. The representative on the other line gave me an excuse, which I know it is nonsense. She said that she will escalate it and that they will call me back. I told her if they are to call me to cal after XXXX XXXX. Nobody has called. 

I want the overdraft fee reverse. Banks are charging way too many fees. PNC charges me as well a monthly {$15.00} maintenance fee.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXXs reporting incorrectly to all three of my credit bureaus. If all of the information comes from the same source why is it reporting differently on all three bureaus. On Experian and XXXX  it has an open date of XX/XX/2019 and on XXXX  its XX/XX/2019. It also shows a credit limit of XXXX on XXXX  and Experian but XXXX  credit limit on XXXX. Being that all of the information reporting isn't correct this needs to be deleted from all three credit bureaus ASAP.
Consumer complaint received 2022-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NJ)

I received notice from a credit report agency of an account in collection. The report stated that an account from XXXX was in collection by a company called AmShear. I have not now, nor have I ever had an account, received any services or had any business dealings with XXXX. Furthermore, I have never received any bills or notices of charges or any other similar communications from XXXX and, similarly, have never received any communications from AmShear in regard to any effort to collect any claimed debt. Therefore, until now I have had no opportunity to dispute the claimed debt and yet AmShear has reported it to the major credit reporting agencies.
Consumer complaint received 2022-12-12
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: Experian Information Solutions Inc. (FL)

I saw an article about experiencing credit report system database was hacked, and to check to see if your information was compromised. When I filled out the form my information was a part of the investigation and I didnt receive receive any notification of my name, being a part of the investigation.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BBVA FINANCIAL CORPORATION (CA)

I reported my card stolen. I noticed charges i had not made upon logging in on the app. So i go to grab my card to call the bank and they canceled my card i tried to add all charges that were not authorized and it wouldnt allow me to. So i wrote a message to support letting them know i have never received a response. I also never received a new card. Its been goon. On the 4th week now and i barely got a denial for my disputes. They claim i used the card after the charges of dispute. I did not one charged was made prior to my card being stolen. I went to, the tan shop about a week prior to the theft. And the put my card on file and they charged it later. Therefor the charge didnt show being made for the actualdate i went in. I had over a thousand spent of my tax money that they will not give me, back and they took almost a month to investigate or say anything, i still havent gotten my card. Simple bank should not be used
Consumer complaint received 2021-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (MA)

I received a phone call on XX/XX/XXXX from someone named Miss XXXX. She said she was calling from XXXXXX/XX/XXXXXXXX with regards to an urgent financial issue. She said that I had an unpaid debt with Barclays Bank and that they were filing a civil suit against me to claim the total amount owned ( {$11000.00} XXXX. She asked me to confirm my date of birth and last four of my social security number. She also asked me to confirm my name, but she only had my maiden name, and my address, which was my parents address not my current XXXX. 

I explained to her that this was already settled and paid through a debt consolidation company back in XXXX and wondered why a 10+ year old debt was coming up when I have heard nothing from the company I worked with, Barclays or the former collection agency. She responded saying its explained in the letter XXXX which it wasnt ). 

She said she had the letter with more information. She asked me for my email so she could send it to me. When I asked why this was not sent via mail she said for the past year they havent sent anything via mail due to COVID. I gave her my email address and she sent me the letter. 

After hanging up, I received the letter and researched the company XXXX XXXX XX/XX/XXXXXXXX XXXX. On the first page of the site the company looks legit but it isnt. The blog page doesnt have any content and the website maker is a make your own website and has a copyright of XXXX XXXX XXXXXX/XX/XXXX( which seems weird ). I also looked at the email with the letter and the email address was XXXX ( which I believe is an international website ). The letter also had some mistypes and the logo of the firm didnt match anything on the site XXXX which if it was a real firm then their corporate logo and stationary would match XXXX. 

I also tried to call the number on their letter ( XXXX ) and it goes to a general voicemail box with no mention of the company name. When Miss XXXX called, she used a different number ( XXXX ). She left a voicemail saying I could call this number back and could use extension XXXX, but when I called back it went directly to her, which again is odd. I dont believe she would pick up without an extension. When I XX/XX/XXXX the first number online I saw that others have listed this as a scam, saying that they were told similar things ( I.e. a civil suit was being filed ) and that they were calling themselves XXXX XXXX. It appears these calls were happening between XX/XX/XXXX and now. 

I called Barclays Bank to confirm if they were aware of this and they said my account was in collections back on XXXX ( hence why I was working with a debt company XXXX so they dont have any details on this. They also werent very helpful and didnt consider this might be a scam. 

I havent heard back from them since Monday XXXX XX/XX/XXXX XXXX, but I am concerned they got the information they needed from me and potentially will be able to hack into different sites using my information. Im monitoring everything.
Consumer complaint received 2019-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America XXXX XXXX {$700.00} settlement created - {$500.00} paid XX/XX/XXXX - due date for remaining {$200.00} balance XXXX XXXX I called and gave {$200.00} payment information XXXX XXXX I called to verify payment information because it had not come out of my account yet, I was told not to worry because it takes time to process XX/XX/XXXX - received letter from Bank of America stating settlement void because not paid within 90 day period - I Called in, the BAnk of America rep couldnt see or understand why the original payment wasnt processed - He ( BoA rep ) offered and created a 2nd settlement agreement for the remaining {$200.00} balance of the original agreement because he said the error was on their end - {$200.00} payment made in full and processed while on the phone with the BoA rep XXXX received letter from collections company - made 1st recording while on the phone with collections company and BoA rep confirming all of the above - was informed by BoA rep in the recording that it doesnt matter if you call to make the payment, or follow up, if we forget to hit enter youre still responsible for paying by the due date. 
- was informed that the 2nd settlement agreement created on XX/XX/XXXX, was not approved after payment had been processed and received on XX/XX/XXXX. 

XXXX XXXX received 2nd letter - made 2nd recording again confirming all of the above
Consumer complaint received 2022-04-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 XXXXXXXX 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 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (CA)

This is XXXX XXXX, I received my credit report from XXXX and there are several hard inquiries that are not mine I tried to dispute them thru XXXX and they stated to contact credit company which they came from I did and they stated they could not remove them here is a list of erroneous hard inquiries on my account : XXXX XXXX XXXX Dates : XXXX, XX/XX/XXXX & XX/XX/XXXX. 

The Home Depot/Citibank XXXX. XXXX XXXX Card. XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX. XXXX Dates : XXXX & XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX I became aware of this today XX/XX/XXXX I have an account with XXXX  and they refer me credit cards to apply for I tried to apply for XXXX XXXX and was denied I have good Fico XXXX I called and spoke to XXXX at XXXX XXXX about denial and he said to many hard inquiries and I noticed all these that are not mine. I tried to dispute them with XXXX stated can not be done online contact company which I started to do and was told they could not remove them? I do not know how to get them off my credit report please let me know if you can help me or what I can do to get them removed. I also tried to call XXXX with no luck robo call could not transfer me to customer service phone numbers I tried XXXX and XXXX. 
Also I had a Fraud Alert on credit report and disputed it with XXXX to remove it they updated it instead to read : UPDATED ALERT/XXXXXXXX INQUIRY DATE XX/XX/XXXX I have tried to have that removed from credit report and have not been able to? 
If you could have that removed so I do not have any alerts on credit report that would be very helpful. 

I apologize for any inconvenience I have caused you but I want to purchase a home soon and I am afraid with all these hard inquiries I might not qualify for a mortgage even though my Fico score is good. 
Thank you, XXXX XXXX
Consumer complaint received 2023-03-19
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: CARCO Group, Inc. (FL)

I reported identity theft several times. Maybe this is an attempt to ruin me. There are over 30 to 40 inquiries on my report that I didn't do or approve. I have tried for a couple years to get these inquiries off my report. 
A school on my report. I never attended. I disputed - XXXX XXXX twice. It came back as me as owner. WOW! With No grades or activities, class work reported I don't understand how easy fraudulent activity Is put on my report, but hard to get off. 
I have never seen anything like this. Only a XXXX put that many inquiries. Why can't y'all see that. 
and remove these inquiries. 
Thank you
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2020 I got a Cashiers Check from my XXXX XXXX checking account ( acc XXXX routing XXXX ) In an attempt to move my funds to an account which a local branch in XXXX. 

On XX/XX/2020 my check went missing in the car. I knew the person who took it so after filing a police report they gave it back to me with my other belongings they had taken. 

On XX/XX/2020 I opened an account with Suntrust Bank ( acc XXXX ) and deposited the cashiers check. A few days later I found out that I wasn't approved for the account and it was flagged for fraud. I thought the person who stole my check might have tried to cash it so I filed a stolen check claim with XXXX XXXX on the XX/XX/XXXX with XXXX XXXX. I was told the process takes three months. After three months I still didn't receive anything XXXX XXXX was ignoring my emails. The XXXX XXXX customer services had no clue about my claim. I reported the matter to CFPB # XXXX. That was when I found out that my check had been cashed by Sun trust Bank and there was no reason for them to flag it as fraud because I am the one that endorsed it. 

Suntrust claims to have contacted XXXX XXXX to verify the source of my funds but that is not true because XXXX XXXX a XXXX XXXX branch manager followed up. They claim to have sent me a check of the interest not the initial {$50000.00} I deposited and it was sent back to them because my apartment number was missing on my account. I fixed that with one of their staff members but till date I haven't received anything. They want XXXX XXXX to recall the funds but XXXX XXXX they can't help me with that because it has been past 7 months. 

I can not contact the Suntrust fraud department only their staff can do that but when I go to the branch they are not willing to help me at all and they have an appalling attitude.There is no fraud whatsoever that they claim to be investigating they are just unfairly holding my funds for no reason. With no communication at all. 

Its been a very hard 7 months without my funds that were meant for my business and I've been forced to dissolve my company because of this issue. I am very appalled by how I've been unfairly treated by both banks that are doing the bare minimum to give me my money bank. 

I would be overwhelmed with gratitude if the CFPD would help solve this matter because Sun Trust is clearly biased. Based on their reviews on XXXX thesis a norm for them. 

I am looking forward to hearing from you. 

Sincerely XXXX XXXX
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (GA)

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : ENHANCED RECOVERY CO L XXXX Balance : {XXXX}
Consumer complaint received 2021-02-01
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: FIRST NATIONAL BANK OF OMAHA (TX)

I was disputing or correcting items on my XXXX credit report, when I accidently pressed the wrong item. There is no delete or edit button and therefore it goes through. 

I have had to call 33 times to ask to have this fixed and each time the credit reporting agency either hangs up, disconnects or tells me a mgr will call back. Either way this does not get done. 

Today XX/XX/2021 I called, XXXX answered, listened to me then hung up. I called back again for the 34th time. 

I just need the entry Disputes : XXXXXXXX XXXX XXXXXXXX dispute in progress ( added XX/XX/2021 ) to be deleted.

They were given my id, police report and the letter faxed in explaining the detail. Even the bank asked to have it off the report. 

They continue to keep it is dispute mode. FCRA 605b says to be deleted within 4 days, this started 3 weeks ago and was requested with the additional information over 9 days ago.
Consumer complaint received 2024-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Novo Platform Inc. (CA)

I signed up for a Novo business checking account on or about XX/XX/2024 via a promotional affiliate link found by XXXX  " Novo sign up bonus '' ( XXXX result shown in the attached screenshot ). The site had the official Novo branding and had what appears to be a screenshot taken from the Novo website of the promised {$75.00} offering. 

XXXX XXXX XXXX  Clicking the link and signing up for a new business checking account on Novo I saw a notification to the affect that " the sign up bonus has been applied '' with no reference to the amount. Having only seen {$75.00} as the offer on the affiliate site, I continued with sign up. 

After sign up, Novo sent a confirmation that the bonus would be applied once I met the terms ( keeping the deposit in the account for a certain number of days ) but again did not include any mention of the amount of the bonus. 

When the bonus arrived on XX/XX/XXXX is was only for {$40.00}. 

After multiple back and forth messages with support they said that affiliate is no longer with them ( even though the link still " work '' in that Novo 's site recognizes it after starting the sign up process ) but they gave me {$40.00} as a new customer.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (FL)

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// I did not knowingly and willfully consent to enter into any consumer transaction with CHECKR , INC willfully violating the FCRA. Without my direct written consent CHECKR , INC have used credit card as defined under 12 CFR 1002.2 ( k ) and 15 USC 1602 ( l ) my social security number, Drivers license, license plate for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) /////// Pursuant to 15 USC 1681 ( a ) ( 4 ) CHECKR , INC need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by CHECKR , INC in multiple counts.///// Pursuant to 15 USC 1681b ( a ) ( 2 ) CHECKR , INC may NOT furnish negative information to my consumer credit report without with my written instruction. CHECKR , INC willfully, knowingly and intentionally violates my consumers right, by reporting negative information to my consumer credit report, without my written instruction or consent. I'm being denied job opportunities and credit due to CHECKR , INC violating the Fair Credit Reporting Act, so be it. ////// Pursuant to 15 USC 1681s-2 ( 7 ) ( A ) ( i ) CHECKR , INC shall provide the consumer with a `` Notice of negative information '' in writing to the consumer prior to or no later than 30 days after furnishing the negative information pursuant to 15 USC 1681s-2 ( 7 ) ( B ). I did not receive such notice and thus CHECKR , INC is in violation of 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 15 USC 1681s-2 ( 7 ) ( B ) ////// NOTICE OF CEASE AND DESIST : Pursuant to 15 USC 1692c ( c ), Im demanding that CHECKR , INC cease all further communication and all your collection efforts are being terminated.///// Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I hereby rescind the consumer transaction granting any interest directly and indirectly to CHECKR , INC //// THEY NEED TO REMOVE AND DELETE ALL NEGATIVE REPORT IMMEDIATELY from my consumer report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n. /////
Consumer complaint received 2021-09-22
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. (CA)

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I'm positive this is a violation of my consumer rights
Consumer complaint received 2021-03-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (NJ)

Back on XX/XX/XXXX I was closing a refi with quicken loans. On the XXXX of XXXX I called my broker to have him explain fees. I was prepared to move or cancel the closing. I was told that XXXX would be paid to the insurance company for the XXXX policy year. 
I just found out they never Paid it, I called and XXXX XXXX opened an investigation and even though he heard the phone call where my mortgage broker old me he was paying the insurance he said that was put in " I pay before closing column '' and he could not pay it, so basically they stole XXXX from me if I knew it was my cost I would have backed out of the loan and when with a different company.