davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I got stuck in XXXX XXXX because of Covid 19. I opened a bank account last year with 5/3rd Bank Corp prior to leaving where I was promised that the account would work without any issues.

Hence forth this has been the furthest from the truth. Because of antiquated and outdated systems 5/3rd blocked access to my account some 11 months ago online and caused numerous problems with. There is never a way to determine if there is theft or fraud - and often I have to hold at least 30 minutes to an hour. 

On XX/XX/2020 I was expecting my account balance to be over {$1000.00} more than it was. Alarmed I contacted the bank only to find out over the past year there was a variance of small but meaningful fraudulent charges that added up to a minimum or {$680.00}. And caused many NSF fees, at the point of discovery the person I spoke with on the bank had told me there was at least another $ XXXX more in NSF 's and not to worry the money would be placed as a provisional credit within 9 business days. 

I called several times to follow up with this and each time was promised that there were no problems. Apparently this was not the case - instead of giving the provisional credit like I was told - they gave nothing and didn't communicate that to someone whom told them he was XXXX miles from home. They cancelled the debit card that was mine, thankfully my son was here in XXXX with me and I had the foresight to add him to the account. 

They didn't give the credit they told me I was getting after communicating that they were. I thinking I had a different balance was using that amount and adding money as needed. In reality 5/3rd intentionally kiting NSF fees once again totaling almost from what I was just told {$490.00}. After I just spoke with them they said it was because the disputed charges were " too old ''. Less that a year mind you, but it was too old. 

This is not acceptable : how can a bank block you from being able to view your account, foreign currency conversion fees are often all over the place which creates difficulty in keeping a register - but even then, if it is communicated that one is told that they have x $ but in fact they do not - that is intentionally kiting a fee.
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong addresses : XXXX XXXX XXXX XXXX CT XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-11-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

XXXX XXXX but also happen before XXXX to, amount {$420.00} I disputed a claim and been calling to check status ( Bank of America ) they are doing an investigation but Im not happy the way the service is going. No updates or nothing
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current (FL)

I closed my account a few months ago, when it was closed I asked that the secondary bank in the account be closed. Any refunds or deposits should be sent to me in the form of a check to my mailing address. 

My doctors office refunded me {$340.00} to them, they have yet to send me these funds. I have contacted them 3 times, the doctors office contacted them separately but to no avail.
Consumer complaint received 2020-10-16
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: Debt Recovery Solutions, LLC (TX)

My name is XXXX XXXX XXXX. 

I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Consumer complaint received 2020-11-20
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: STATE EMPLOYEES CREDIT UNION (NC)

On XX/XX/XXXX, I submitted an online dispute with XXXX XXXX XXXX  regarding a credit card account from State Employee 's Credit Union of North Carolina ( SECU ). The account was discharged on XX/XX/XXXX through Chapter XXXX Bankruptcy ( the petition date for the Bankruptcy proceeding was XX/XX/XXXX ). 

Recently, SECU, inaccurately reported this discharged credit card account as discharged in XX/XX/XXXX. The evidence and facts from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX prove otherwise. I contacted my Bankruptcy attorney. He informed me that SECU has been similar actions in the last month. His advice was to seek consumer debt attorney to possibly sue under violations of the Fair Credit Reporting Act as well as potential violations of the bankruptcy discharge. 

For once, I would like SECU to get their act together and comply with the Fair Credit Reporting Act and stop misreporting information to XXXX and the other credit bureaus.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate  reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XXXX and XXXX of 2019, I experienced an overwhelming number of technical difficulties with the Capital One App, specifically regarding to processing payments. I was told that the system glitches from time to time and that I would not be held responsible for the late payments. Fast forward to now, I have paid late fees for both months and my credit is being reflected as if I actually paid late. This does not count the fact that Capital One still to this day has the wrong address on file for me after I have updated it multiple times.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: ROBINHOOD MARKETS INC. (WA)

I opened an account with Robinhood on XX/XX/2022 in response to a new account promotion with a deadline of XXXX XXXX time that day. I received an email that day confirming that my account had been opened and I subsequently fulfilled all other criteria to receive the promised {$600.00} bonus. 

Robinhood has refused to pay out this bonus, claiming that my account was opened on XX/XX/XXXX and thus ineligible. Additionally, Robinhood gave no prior indication of this decision until after all conditions had been fulfilled, including having assets with them for multiple months. However, reaching out to Robinhood customer service has resulted in agents on their end confirming that this is an issue with their backend system not correctly interpreting the terms of their promotion - Robinhood agents have confirmed that my account was actually opened on XX/XX/XXXX, XXXX time. 

The promotion terms can be seen here : https : XXXXXXXX XXXX The promotion explicitly states that the deadline is in XXXX XXXX : > Offer Period. This Offer is available starting on XX/XX/2022 at XXXX AM PT and ends on XX/XX/2022 at XXXX PM PT ( Offer Period ). 

In my most recent attempt to resolve the matter, Robinhood has stated that the determination of my account being opened on the XXXX, and thus being ineligible, is final and refuses to discuss their agent 's determination that it was opened on the XXXX, and thus eligible. Once Robinhood elects to move the support discussion to email, all of my messages are summarily ignored.
Consumer complaint received 2020-11-20
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: CITIBANK, N.A. (PA)

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX
Consumer complaint received 2020-10-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian  seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$690.00} )
Consumer complaint received 2022-08-12
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. (FL)

The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY XXXX5 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 2023-01-30
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. (MA)

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. the grounds 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. 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 and they are still not removing all the hard inquires late payments that wasnt late and and closed accounts that haven't been removed yet
Consumer complaint received 2020-11-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: America’s Financial Choice, Inc. (IL)

I paid off this loan with two money orders a week ago and the regional manager XXXX told me she would make sure all was applied and any added fees they caused me reversed and she would make sure my paid off documents were mailed and to me today. I took the loan out in XXXX IL but because the manager their was so rude and unhelpful and trying to keep me from paying it off ( her name is XXXX ) I had to contact the regional manager XXXX and she had me pay it off with XXXX at the Mt XXXX IL location on XXXX XXXX while I was off work. I work for the XXXX XXXX XXXX XXXXXXXX. Now today XXXX called and left a message that she did not get into the XXXX  XXXX office as promised to reverse the fees and make sure the last payment posted and mail me the documents and claimed she was sick and would do it whenever she could! This is XXXX!! I am also filing a complaint with the IL Attorney General today!! I paid the loan off a week ago and they have not applied my payments, reversed the fees they caused me or mailed my paid in full contract!! I want it done NOW!!
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

From XXXX XXXX XXXX, We had fraud connected to our account and nearly XXXX dollars were stolen from us. We communicated with Chase, and they provided some temporary credit, but by XX/XX/XXXX, we had XXXX large charge reversed ( 655.67 ). As of now, there are XXXX additional large charges ( of nearly the same amount ) that are not closed from their fraud team, but purchased the same way. We worry that these will be reversed too. We a They explained that they can not prove the fraud, therefore reversing the charges, and we would have to do directly to the vendor. We found the vendor and got the receipts for the items fraudulently bought on our account, and across the country, and have so far been working with a XXXX party company to assist.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I had a collections account with XXXX XXXX  XXXX that has been paid in full and closed ; however, it still shows up on my XXXX and TransUnion credit reports as an open collections account. 

Once the debt was paid, I notified the credit bureaus immediately, forwarded the letter that I was provided, and asked that they update my reports accordingly. XXXX updated that account accurately as paid in full and closed. XXXX and TransUnion however continues to report that account as an open collections account that is in derogatory status with a {$0.00} balance. I've contacted the creditor by email and asked if they can reach out to the bureaus to notify them stating specifically that the account is closed ; however, they have stated that the letter that they provided was the only notice that they would provide. I can include that letter with this submission. In the email, I asked if she can confirm that the account is closed since the debt is settled in full and she has stated that that is correct. I enclosed the email thread that contains the conversation with this submission as well. I contacted the XXXX and TransUnion and they have stated that they must have a statement from the creditor, specifically stating that the account is closed. I have run out of options at this point and would need your help to correct this matter.
Consumer complaint received 2022-08-12
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: CITIBANK, N.A. (NM)

The last XXXX of the card is XXXX. The last XXXX of the new card is XXXX. 

Citi is still charging me {$230.00} for a charge I disputed on XX/XX/XXXX. I called and their representative told me that I wont get a credit until the investigation is complete which is not in compliance with federal law. Im supposed to receive a temporary credit while its being investigated. 

The representative also gave me a non-existent phone number to call to escalate the issue to. The number she gave me was XXXX which is not a valid phone number. 

I would like an immediate permanent credit as citi violated federal law by not providing a credit while a fraudulent charge was being disputed.
Consumer complaint received 2019-10-24
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. (OH)

I have requested proper legal documentation from XXXX XXXX XXXX  XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT