davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (LA)

This company has been calling for quite some time. Usually XXXX-XXXX times a day harassing me, even calling from blocked numbers or different numbers. Usually the calls would start around XXXX and end around XXXX central time. They have threatened me to sue and have told me they will charge 20-30 % interest. I 've lost my cool and told them off multiple of times to leave me alone. I will not pay a debit that 's outrageously false. Yes I believe I owe the debit but there were fees that were false. The apartment charged me a clean up fee and some other outrageous fees. I had XXXX pieces of furniture, I was never home and I 'm clean. So no way there should have been a clean up fee. Anyhow, these debit collectors keep calling harassing me about the bill and I was willing to negotiate what I believe is owed. Ive told them to leave me alone if they were unwilling to negotiate and continued to threaten me. I 'd hang up and they would call back like 5 mins later if that! Not to mention they one day decide to call me and say I owe interest like oh hey.. the extra is for 8 month interest???? Why did n't they call me 8 months ago? How is this even legal!???? I believe I should pay what 's owed not what they think I owe ... ever since then I 've blocked a lot of there numbers ... I ca n't talk to people who try to pressure you to pay XXXX dollars for something less than 2k
Consumer complaint received 2016-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After purchasing TransUnion 'XXXX-Bureau Report ' product ( {$29.00} ) on XXXX/XXXX/16 I noticed TWO dates of birth listed under 'Personal Information ', both of which are incorrect. Unable to 'verify my identity ' ( with my actual DOB or the one 's listed ) I was not able to file an online disputeAfter calling each of my creditor 's to confirm the inaccuracy was n't reported by them, I proceeded to call each bureau individually to request a correction. TransUnion, after XXXX minutes on hold, forwarded me to a standard customer service agent who, though clearly reading from a script, instructed that I send a copy of my BIRTH CERTIFICATE in order to correct their own error. Not only do I view a BC as a private document not to be widely shared ( particularly with a corporation that admittedly sells consumer data ), I feel such burden on a consumer to correct THEIR error is absurd. Results with calling XXXX were almost identical, with the customer service agent demanding I send a copy of my social security card, which virtually no corporation anywhere has a right to demand. XXXX complied with my request immediately. Common sense should dictate it 's IMPOSSIBLE to have two birthdays. Yet TransUnion and XXXX insist on leaving them both on my report, even though they can not confirm WHERE this misinformation came from. This- maintaining information known to be inaccurate, is a specific violation under the Fair Credit Reporting Act. All I want is my Date Of Birth to be reflected on my report and for the incorrect entries to be removed immediately.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (MD)

I live in XXXX, drove XXXX miles to XXXX to XXXX store ( XXXX ) tried to pay with credit card issued by Chase, it denied my transaction, I called the number behind the card, talked to a representative about it, for 15 minutes, i thought everything was fine after the conversation, returned to the cashier and again declined. I called back to credit card customer service, talked 30 minutes until no more battery on my cell phone, I left the things I intended to buy and drive back home for XXXX hour or so. 
I was expecting that when your credit card is declined, XXXX phone call from you fix the things, but not. 
My question, what the customer should do in this situation?
Consumer complaint received 2017-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates are reporting XXXX accounts on my credit reports that do not belong to me and they are unable to validate the information. I asked for validation of the debt by asking for a copy of the original signed document and they sent me a copy of a bill which is not validation because I am not the person who started the account. On the XXXX report they are reporting for XXXX account that the date the account was opened was XX/XX/XXXX and the date of the 1st delinquency was XX/XX/XXXX. The 1st delinquency date was almost 2 years before the account was opened. They are reporting a different opening date to XXXX for the same account ( acct # XXXX ). The other account reporting to XXXX is reporting an open date of XX/XX/XXXX and the date of 1st delinquency of XX/XX/XXXX. The date of the 1st delinquency is over a year before the opening date ( acct # XXXX ).
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-01-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: P.S.C., Inc (TX)

On XX/XX/XXXX I was informed by a lender that unpaid medical debt showed up on my credit report XX/XX/XXXX for services provided by a doctor in XX/XX/XXXX. 

As far as I know I paid all my copays and deductibles in XX/XX/XXXX. I was not notified by the doctor that any further debt was outstanding. 

I contacted Puget Sound Collections to inquire about the debt and to validate it was correct. They told me it was for unpaid medical bills to XXXX, but that is all they would tell me. They referred me to XXXX who told me I had a {$0.00} balance and referred me back to Puget Sound Collections. I 've spoken to XXXX people at Puget Sound Collections and XXXX people at XXXX and none can verify or validate the debt. 

The second woman I spoke to at XXXX told me that a letter is sent every month for XXXX months if a balance is due and on the XXXX month it automatically gets sent to collections. She did n't have an answer as to why mine would 've been sent almost XXXX years instead of XXXX months later. 

I asked Puget Sound Collections to take the negative marks off my Credit Report until the debt was validated and they refused multiple times. The reason they gave for not notifying me prior to sending the account to the credit Bureaus is that they are not licensed in my state. 

I verified with both XXXX and Puget Sound Collections that they have my current address and phone number. 

Puget Sound Collections has told me, in no uncertain terms, that I must pay them without verification of the debt before they will remove any negative remarks. I consider this extortion. 

It 's my understanding that if Puget Sound Collections reported inaccurate information to the Credit Bureaus that is considered fraud.
Consumer complaint received 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX, 2008 I bought from XXXX XXXX XXXX, XXXX XXXX silver dollar, graded XXXX for XXXX. 
This quality coin is worth about {$370000.00}. 
This seller, XXXX XXXX from Florida promised me, that this coin is not " enhanced '' ( cleaned, polished, dipped, heated etc ) any way and is really graded XXXX, graded by a numismatic company. 
I asked him for guarantee 30 days money back if this coin will be over-graded. He has agreed. 
On XXXX/XXXX/2008 I sent him wire transfer from my Wells Fargo account for {$3200.00}. 
After few days I received this coin and unfortunately, its quality has high over-graded. Regarding the quality I asked for opinion professional coin dealer, and he said the same. Additionally this coin was cleaned and polished and the value was as scrap, about {$8.00}. 

The same day, on XXXX/XXXX/2008 I have sent complaint to XXXX XXXX XXXX and demanded from him immediately money back, but he did not answered by e-mal and phone. On XXXX/XXXX/2008 this coin was send him back, USPS confirmation # : XXXX XXXX XXXX XXXX XXXX, but my money no refund. 
After few days I failed a claim in Wells Fargo bank ( claim # : XXXX ) regarding this cheating. I asked a banker for help, to withdrawal my money from XXXX XXXX XXXX, however, they refuse to help me and closed this case. 
A women from Wells Fargo bank called me and said, that they will not processed this claim because this person may be dead or fled abroad and is in other country now. 
I was very badly discriminated in Wells Fargo bank and I lost there many money. They told me that I can have only XXXX claims each year and no more. If I will have more complaints, then they will close my account. I knew that a lie, but nothing I could do. 

I was deceived by many cheaters online, and the bank refused me defrauded more than XXXX transactions. 

For this transaction I pledged my jewelry collection in XXXX. My jewelry, more than XXXX pieces of gold with precious stones ( diamonds, rubies, sapphires, emeralds and more ) was worth more than {$250000.00}, but Pawn shop in XXXX offered me only {$3400.00}, this because they counted my gold as scrap and gemstones and synthetic, because stones had no certificates from their professional jeweler. 

I agreed, because I do not expect that this man deceive me and I be able to pick up my jewelry. Unfortunately, I lost all money, the scammer did not refund my money, the bank discriminated me and I lost all my jewelry worth more than {$250000.00}. I have proof from Pawn shop and pictures of the jewelry. I told the banker that I will loos all my jewelry if they will not help me. But she said as above. 
After this incident I decided to closed my account in this bad bank.
Consumer complaint received 2016-05-17
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

I applied for a TD Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with TD bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with TD bank ever again VERY POOR CUSTOMER SERVICE
Consumer complaint received 2019-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX - Acc # XXXXXX - PAID This was disputed and then removed from my credit report under the name "DIRECT LOANS", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.
Consumer complaint received 2016-11-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Have been dealing with XXXX about XXXX 30 day late marks on my credit reports for months. It all started because their system would n't allow me to pay online and the representative would not take a payment over the phone either. Even talked to the executive office VP and he has n't helped one bit. He told me he would tackle it one task at a time. Even called to tell me I can pay online because it has been fixed. Well I go to make my payment this month and it 's still not correct. I sent them a certified letter back when this all started and they sent me a generic form letter saying the information is correct but failed to mark my credit report disputed to this day so by law they should have fixed what is needed for violation that time frame.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (AZ)

There are several names on my credit report. The only name I use or have used is XXXX XXXX XXXX All other names are not mine and I want them removed. Correct address is XXXX XXXX XXXX. XXXX, AZ XXXX. All other address are not valid and need to be removed.
Consumer complaint received 2016-04-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

XXXX XXXX XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. 

I set the additional payment online via echeck, hit submit ONCE, and got XXXX confirmation number. Fast forward to yesterday and XXXX has withdrawn an additional {$6000.00} dollars from my bank account using the SAME check number. The amount of catastrophe this has caused is unmeasurable. 

In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account using the same Echeck number, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 

I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 

My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. 

I spent a significant amount of time on the phone with several Santander Bank representatives yesterday ( XXXX, XXXX, XXXX ) who while I 'm sure did their best to provide customer service told me the business could process a refund no faster than 10 days and it could take up to 45 days to resolve. 
The bank allowed an issuance of the same echeck on three separate transactions. 
It took the bank a full week to inform me my account had been overdrawn to this point. In the 10 years I 've had my account, it 's been overdrawn once, by {$2.00}, and you mean to tell me there were no red flags when {$18000.00} was withdrawn in two days bringing my account far into the red? 
I was also informed that I could not be given a temporary balance adjustment in the meantime AND that the overdraw fees being charged to my negative many thousands of dollars account could only be resolved after the fact in another entirely separate dispute. I was also told that the bank would not assist me in speaking with XXXX to resolve the conflict. 

I have been a customer of Santander Bank since 2006 and will be closing my account with them as soon as this is resolved.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I initiated a 15 year fixed with cash out loan with Bank of America around XX/XX/XXXX ( loan/application # XXXX ) with XXXX ( MLS # XXXX ) with initial credit score of XXXX and no mortgage on personal residence. Bank of America failed to close the loan within a reasonable period and had to restart the loan process around XX/XX/XXXX ( loan/application # XXXX ) with both XXXX and XXXX ( MLS # XXXX ). I timely supplied B of A with all requested material and have an exclusive banking relationship with them for over 20 years ( they had multiple information about me at their fingertips ). After endless amounts of delays by B of A, the rate lock expired and the closing costs soared by multiples. At no time, after repeated requests, did B of A offered to absorb the fee due to their delay. By XX/XX/XXXX a third application was submitted by B of A ( # XXXX ). However by XX/XX/XXXX I received a letter with conditional approval for loan # XXXX. I 've lost track of the number of applications/loans this bank started with me for a simple cash out 15 year loan with a customer of 20 years with all my business 's with them ( now former ). Unfortunately, they came back to me and said their credit score they had on me expired and they need to make another HARD inquirey. This knocked my score from XXXX at the start of this to my last score that I recieved to close this loan at XXXX costing me an addtional {$840.00} in closing cost by my closing with XXXX on XX/XX/XXXX since my score was less than XXXX ( premium level ). There was no other credit checks while this was going on. This also created an increase in origination fees from my original loan request back in XX/XX/XXXX with B of A relative to my final closing with XXXX on XX/XX/XXXX. I ask that B of A, one of the architects of the Great Recession reimburse me for the costs associated with their negligence. I have tried to negotiate with their supervisor ( XXXX NMLS ID : XXXX ) and their regional director ( I believe his name is XXXX ) he never returned my numerous phone calls ) to no success. I would like enforcement action for violations of Dodd-Frank laws, Federal Trade Commission, Office of the Comptroller, and any other enforcement agency to correct B of A behavior. It is quiet obvious they are still not taking responsibility for their deceptive practices and the costs it has on consumers like myself. My increased closing cost was near {$4000.00}.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (NY)

I opened a keybank bank account with the confirmation from an employee who guaranteed me he entered some code to get me the {$300.00} bonus for account opening and assured me that I should get it if I meet all the conditions. Even after 90 days and meeting conditions way before time, I never received the bonus. One of the things they advertise and do not honor is fraud and I wanted to bring it to federal attention, how keybank rips people off.
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Cadence Bank (MS)

I am a single, XXXX mother of an XXXX, XXXX child. My XXXX XXXX was being repaired, needed a new seal put in. 

Meanwhile, XXXX XXXX, XXXX had come to stay with us because he had XXXX and asked if I could help take care of him until he was better. He ended up being hospitalized for almost a week, but came back here until he could regain his strength. His cousin would come and pick him up most every day to go to the store for us. I gave XXXX my debit card to get groceries and such from the XXXX, grocery store, and convenience store when he 'd go. I NEVER gave him permission to get money from the ATM. That was my only way of getting our necessities at the time. XXXX had gotten better and left my home on XXXX XXXX. 

I began receiving Overdraft notices from the bank, but knew that I had not even paid all my bills for the month. I checked my mobile banking and found that {$75.00} had been taken from the ATM on XXXX XXXX, which sent my account into overdraft for XXXX. I ended up being charged {$72.00} overdraft fees due to XXXX transactions that I 'd made without knowledge of his withdrawal. I usually get paid on the XXXX each month, but it fell on Sunday, so I got paid on Friday, XXXX XXXX. 

I went to the sheriff 's dept. and did a police report, which I took to XXXX XXXX. I signed an affidavit stating that the money was stolen from my account. The outcome is that my claim was denied due to " Negligence to safeguard my debit card. ''
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

i made an atm deposit at chase in the amount of {$470.00} however there atm machine decide to change it to {$170.00}. transaction was made at XXXX on XX/XX/2016 AID # XXXX, XXXX fl atm XXXX. 

when i called them regarding this they routed my call to a foreign country who said they were going to assist me but instead they transferred me back to the customer service que and then to a XXXX survey without a live body coming back to the line. when i called right back from the same number they then pulled this we can not hear you XXXX.should it really take XXXX calls to get someone to help me? when i finally got a usa based supervisor on the phone they were unhelpful and refused to look up the transaction even though i gave him the number. what i do not understand is how i can clearly see the check for {$470.00} on my atm receipt and should also be able to see it online in my account yet they refuse too use there own technology. I want the missing {$300.00} credit today and a letter of apology for there offshore reps being so rude