davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: SUNTRUST BANKS, INC. (MD)

I requested my checking account from SunTrust Bank to be closed back in XX/XX/XXXX and I has not been closed. I received a call from a collection agency on XX/XX/XXXXstating that there are calling on behalf of SunTrust to collect a debt to the amount of {$180.00}. 

I went to SunTrust Bank to speak with the manager an have more details on the fees. 
They explained to me that some overdraft fee accumulated to my account before their close. When I requested my account to be close there was a balance of {$4.00} that was paid via a transfer from my saving account making an account balance to {$0.00}. 

The failure of the bank not closing my account when requested lead to some accumulated fees which I should not be responsible for. 

Unfortunately, the manager said she ca n't do anything about it since the account is now closed. 

I am requesting your help to help to resolve this issue. The current balance that I obtain from the bank is {$89.00}. 

I will be happy to see this charge cleared from my account. 

Thank you very much
Consumer complaint received 2017-09-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I discovered a debt listed on my credit report. I sent a simple debt validation letter that was received by United Revenue Corp on XXXX. On XXXX, I received a response stating who the debt was allegedly from. In response to the letter, I replied with the this letter ( attached- URC1.pdf ) sent to United Revenue Corp XXXX XXXX XXXX received XXXX. They have not responded. I have never seen this Physician, been to this alleged medical facility, etc, Please delete this false information from my credit report.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On XXXX/XXXX/XXXX my daughter was in the XXXX XXXX. I needed to visit her so i checked my online account balance and it said i had XXXX available. It also showed a debt owed to redbox. I withdrew XXXX dollars from an atm and went on about my day. So on XXXX/XXXX/XXXX i went to another atm and withdrew another XXXX dollars for weekly expenses grocery etc. On XXXX/XXXX/XXXX i withdrew another XXXX. So on XXXX/XXXX/XXXX i stop at a convenience store to get my child some things and my card was declined. I immediately check my online account to find my balance XXXX dollars. Upon looking at the transactions i saw that it stated that there had been and in branch withdrawal of XXXX dollars. I was shocked and immediately called to report fraud. During the call i got disconnected so i went to my local branch. Once in the bank they were able to provide me with documents showing that i had withdrawn the XXXX dollars from my account on XXXX/XXXX/XXXX. I then inquired about why was the information not up to date. I also asked why my overdraft protection did not protect me. I was given the all sorts of reasons as to why its my fault that i overdrafted my account. They said they the atm lets me know before i overdraft. I explained that it was not a bank atm. So they said it was at the banks discretion so i argued that it was set up so that i can not overdraft at all. I also stated that in XXXX of XXXX i had some issues and i went to a bank atm and i would not allow me to overdraft, and that reassured me that my overdraft protection worked. So i was able to get them to reverse a XXXX dollar overdraft fee. But im still in debt XXXX dollars because of them i feel ( XXXX dollar atm withdrawal x's2 plus another XXXX dollar atm withdrawal ). So i had the issue escalated i was asked how do you manage you account. I answered i checked my blance online and called on XXXX/XXXX/XXXX to assure i had those funds. I feel that Wells fargos system error and the problems caused as a direct result of that error have cost me and thats not fair especially considering i set up features to protect me from overdrafts. And when i finally spoke to whomever the issue was escalated to they blamed it on hurricane XXXX. They did not close the bank for XXXX. I mentioned the hurricane and they spent it as excuse for their mistake. I mean if that is not a slap in the face.
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OK)

last thursday XX/XX/XXXX-2017 I made a deposit at the bank of america location in XXXX. I was informed that they were going to place a hold on the deposit. Well its been a week and now there saying its going to be 3 more days for a total of 9 days. This is really putting me in a bind. I am suppose to go out of town on business and I have no way to pay for my hotel because Bank of america wants to hold my depost. I have called bank of america customer service, i have went in to a location and spoke to a manager but so far they have been absoltey no help. I am incredibly frustrated with this bank. The company that wrote the check even said they could verify funds and bank of america customer service refused to let that happen. This has been one of the worst experiences I have ever had with any bank. One of their customer service reps even told me that i could go to an ATM and overdraft my account if i needed the funds.like what kind of company will do that. Bank of america deserves a very hefty fine over stuff like this.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted Transunion many times to dispute the Release of XXXX XXXX Reporting. This XXXX XXXX should have been removed from my credit file for several reasons : 1. This is not my XXXX XXXX 2. This is an old outdated account.
Please remove these Release of XXXX XXXX from my credit report. This information was not provided by any furnisher or creditor.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2017 I was charged {$10.00} by XXXX, and {$10.00} by Experian to freeze my credit information accounts. 

In the wake of this massive credit information breach, I feel it is completely absurd that I have to pay for XXXX XXXX massive mistakes. XXXX and Experian did not/will not waive their credit freeze fees as XXXX did ( after receiving massive pressure to do so ). The problem is that all of them store THE SAME information, so only freezing with XXXX is useless. I feel that either XXXX and Experian should ALSO waive/refund their fees in response to this disaster, or XXXX should cover the price of freezing credit with their competitors. 

Not only am I ( and 143 million other people ) at risk for fraud and identity theft, but I have to pad the pockets of the very companies who collect, store, and sell my information without my consent in the first place.
Consumer complaint received 2017-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (OR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX, XXXX Dear Wells Fargo, Back in XXXX of this year I had finally filed a complaint against Wells Fargo XXXX Credit Card with Consumer Financial Protection Bureau - Case number : XXXX, due to processing violations, lack of billing consistency and poor customer service to correct problems. 

Since then, XXXX closed my card, once again increased my interest rate and applied a penalty to my card because XXXX has been sending my bills to the wrong address. The card belonging to XXXX XXXX had been sent to her address - she did not pay nor did she forward me the bill. The card for XXXX XXXX has been sent to the correct address and has been paid. 

I tried to call XXXX Credit Card department multiple times to fix these problems. If I made contact with a person, I was hung up on for pointing out their inflexibility to assist with my situation in the wake of your own fraud. My call usually got lost within their automated system ; being transferred and looped through, only to be disconnected. 

I am drowning in penalties and interest that has been tacked onto my account through XXXX XXXX purposeful manipulation of the system. This is unacceptable. My personal credit cards have had none of these issues. This is one more way Wells Fargo has falsified information and engaged in illegal business practices to meet their financial goals. There is no ethical consideration for the harm and stress you are inflicting on people and small businesses. 

I am requesting you cut my debt in half and reduce my interest rate for the current bankrate because half of the debt is from the penalties and interest rates you have compounded due to XXXX XXXX illegal manipulations. 

Disgusted Client, XXXX XXXX Cc : Oregon Department of Justice Consumer Financial Protection Bureau Federal Trade Commission XXXX - I received a credit card application from Wells Fargo, after they closed my business account. They are still trying to open accounts to meet their financial goals despite all the illegal activity theyve been caught participating in. Credit card debt is at an all time high - this is XXXX of the major factors.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (OH)

I mailed a certified validation letter on XXXX XXXX, 2017. Letter was received by company, and I received no validation of debt. They still to the credit bureau, despite not validating the debt belongs to me.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I contacted XXXX, XXXX and TransUnion via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IA)

tried to get a credit card from XXXX..they said that equifax had a freeze .called them 3 days with spending 3 hours or more.they keep transfer me number of timesone said that they would the freeze after 48 hr ... ... called again never removed..some of the no. areXXXX,XXXX,XXXX.andXXXX. and some more ...
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (OH)

The previous complaint has not been addressed, us bank home mortgage violated the terms of the loan agreement when they paid county taxes in error. This was us banks error and came about because of the negligence of their employees. This problem has been ongoing since XX/XX/XXXX when I discovered my bank account had been XXXX for an additional {$170.00} beyond the payment of XXXX that was electronically withdrawn monthly. Us bank refused to return my XXXX and I closed the accounts at their bank. I continued to make mortgage payments, while attempting to resolve this matter with us banks complaint department. While this process was in motion I discovered several months later that us bank had set up suspense accounts and escrow accounts and redirected money from the monthly mortgage payments into these accounts to satisfy their original sin XX/XX/XXXX. My mortgage agreement is very clear concerning the payment of county taxes. I paid my taxes and the letter from XXXX XXXX XX/XX/XXXX states that. I have requested this document from XXXX XXXX be review by us bank since this problem was discovered. The last response sent from us bank states this document has been purged from their systems ( attached ). The letter from XXXX XXXX ( attached ) as well. Your bank offers 5 star service, yet fails to contact the customer when errors are made by Us bank which result in serious financial difficulty to your customers. Then after years of denying reasonability you state it was an " error '', " XXXX XXXX no longer works for the company '', " that letter is no longer retained by Us bank and has been purged from our system ''. Us bank paid taxes that were not due, us bank violated the loan agreement ; us bank mislead the CFPB with previous responses see attachments!
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all  XXXX  credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.
Consumer complaint received 2017-12-07
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: JPMORGAN CHASE & CO. (DE)

My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX XXXX XXXX XXXX in regards to a credit card ; the company is claiming there is an account that they claim to be charged off in the amount XXXX XXXX.This account in negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The account in question # XXXX the whole account number is n't reported as well. Thank you
Consumer complaint received 2017-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

After the XXXX breach, my wife put a freeze on using either of our credit reports without our consent. We live in Texas, a community property state, where both spouses are liable for the debt of the other. Experian is the only credit rating agency that required I submit a seprate security freeze request. I tried to submit the request on their online form, but they responded saying that " they could not honor the request based on the information I entered. '' They did not say what information was at issue. The reply said I must submit all the same information requested by the form to them by mail. Name, address, SSN, prior address, date of birth, and a fee. First complaint : Why they do not allow on spouse to submit the freeze for both spouses per other agencies. Second Complaint : Not identifying the issue that prevented using the on-line freeze. Third Complaint : Requiring me to send all the information to them by postal service. 
I did not contact them by phone ( they have no email contact information ) because these policie and procedures seem to be designed to discourage consumers from requesting a freeze. In effect they have collected all my personal information and do not provide a easy process for me to protect myself from someone getting hold of that information,
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

BB & T has done ti to me again now they are XXXX my direct deposit to the point I ca n't provide any food for my family or even get present for my grandchildren for XXXX They are always too busy to work with customer to clear up such mess and they have XXXX assigned ot my account and prior she just blew me off and then has done such again.
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

In the last XXXX  days I have received XXXX calls from Portfolio Recovery each call from a different phone number. I do not have any debt. My credit report shows NO OUTSTANDING DEBT. They are a scam trying to get my information. I answered once and told them to stop calling. I have tried blocking them, but they just use a different number.I HAVE NO DEBT. I HAVE NO DEBT. I HAVE NO DEBT. 

Attaching several of the phone numbers they use. PLEASE MAKE THIS STOP.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (GA)

My previous complaint XXXX was closed as they stated : " We are holding this account for no report until our client has responded to our request for reinvestigation. No credit reporting will occur unless and until our client can respond affirmatively. '' The account was never removed from my credit as stated, and now the account went from {$300.00} to {$1000.00}. The company has not contacted me in any way they are just reporting a higher amount due.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

I want to freeze my credit due to the recently reported hack which exposed my information to hackers months ago. Experian will not freeze my report without charging me a fee. 

A freeze really needs to be free, since I did n't authorize them to either collect the information nor to distribute it to its customers. They are unconscionably trying to make money off the failure of their industry to protect consumers! I am appalled. 

XXXX is requiring that I sign away my rights in order to get the credit freeze. This is unfair as I have no other option other than freezing it through them.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I contacted XXXX XXXX and have asked them to close the fraudulent accounts and to remove the hard inquiries. They are in the process of closing the accounts BUT the hard inquiries are yet to be removed. I need the hard inquiries dated XX/XX/XXXXXXXX XXXX XXXX  and XX/XX/XXXXXXXX XXXX  to be removed from Experian and XXXX XXXX credit reporting agencies. i didnt give permission for my information to be used to open any accounts. the company is closing them. I need the hard inquiries removed. A fraud alert will be put on my credit reports.