davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (WA)

On XX/XX/2017 the US Bank branch manager, XXXX XXXX, refused me service. Although she claimed it was for not presenting valid identification, in reality it was because of my general appearance which she automatically interpreted as " homeless '' XXXX street clothes and a book bag. Evidently, " her '' bank automatically refuses services to anyone who appears or fits the description as " homeless ''. XXXX did n't know and did n't care that I 'm a XXXX who works to pay her own bills for her own apartment. She probably does not care that I will neither recommend nor refer any of my friends to the bank. XXXX has no place casting judgment onto anyone because she 's a XXXX XXXX in the banking industry who catches enough grief from everyone with whom she encounters.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Johnson Mark LLC (AZ)

Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information.
Consumer complaint received 2016-07-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I contacted Transunion on XXXX/XXXX/16 and requested that all inquiries on my credit report be removed due to their error in deleting them and then placing them back on my report without providing notification to me of such. I was hung up on four different times. Each person that I spoke with had a different justification for why they would not remove it. The XXXX one said that they would n't remove it because I did n't have any inquiries between XX/XX/XXXX and XX/XX/2016 which I explained did n't matter because all my inquiries were removed and that it was a violation of FCRA Section 611 paragraph B ( II ) to place any back on without notifying me. The XXXX person said that their records did n't indicate that I was affected by their error, to which I asked what proof they had of that and never received an answer. By the XXXX person I asked to speak to someone in the Special Handling department in the US and was told they could not transfer me nor allow me to speak with a supervisor. The XXXX person told me that they had provided notification to me about placing the inquiries back on my report. Again, I asked for proof of this and they were unable to provide me with the details of how and when it was sent. The Transunion error affected everyone and now they are refusing to take ownership for their mistake. I respectfully request that all inquiries on my Transunion credit report are removed as they are in violation of FCRA Section 611 paragraph B ( II ).
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX XXXX, GA XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX, PA XXXX. 


XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX TransUnion, XXXX ( XXXX ), and XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (IN)

Hi, I 'm submitting a complaint against Care Credit/Synchrony Bank due to being misinformed about billing payment options for my account. I talked with a chat representative whose name is XXXX XXXX on XXXX/XXXX/16 at XXXX Eastern time, Reference # XXXX. The inquiry was, if I can pay my bill with a credit card? His response was credit card payments are n't excepted but that I can ask my credit card company if they have a bill pay option ( which they do n't ) or I can use XXXX XXXX. The problem is the XXXX XXXX information he gave me is incorrect and/or is unrecognizable by XXXX. The XXXX representative ( XXXX ) whom I talked to by phone on XXXX/XXXX/16 at XXXX Eastern time, told me that there is n't a code city name and POS name that was given to me ( POS name : Synchrony Bank XXXX XXXX XXXX name : XXXX ) in their system. 
Synchrony Bank ( formerly GE Capital Retail Bank ) does n't give their customers any other options to pay their account except by the consumer 's bank account. This is an inconvenience to those who want more than one option to pay their bill, or may not have the money in their account on that date. Most businesses give you more than one option to pay your account bill. It seems like they want you to be late paying your bill so they can tack on the late fees and interest charges, which is ridiculously high, if you do n't pay on time and with only one option to pay. I 've changed my billing date before and I do n't feel like I have to keep doing that to make a timely payment, when other payment options should be available in order to make a timely payment. I would like to know why I was given the wrong information and why there is n't other options to make a payment on the account and/or payoff the account, besides using your personal banking account. I 'm already paying a late fee of {$27.00} from last month which was n't late, but was charged anyway, because the money was there in the account, in addition to the {$100.00} a month bill payment. I hope this issue can be resolved before my next due date which is XXXX/XXXX/16. I pretty sure I 'm not the only consumer whose had complaints about this company. 
Thanks.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I contacted Transunion in XXXX of 2016 to request that the " any open disputes and all corresponding dispute remarks be removed from my credit file as I am no longer disputing any accounts on my report ''. I was told over the phone that all dispute remarks and disputes were removed as I waited on the phone. 

I then called today XXXX and spoke with Transunion again as I have been told by my banker that the disputes and dispute remarks are still showing up on my credit report.. I was told this morning by Transunion that there were none showing. 

I then called a second transunion number in XXXX because the first woman I talked to seemed lost.. This second rep at Transunion said that he could only enter a dispute for me to dispute the dispute remarks!!!! 

I do n't know how hard this is to understand? I opened the disputes. I no longer dispute any account and want all disputes closed and all dispute remarks removed from my credit file. 

This is hindering my ability to refinance my home!
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Contacted Trans Union on XX/XX/2017 in reference to a credit monitoring alert. Information from XXXX that was previous deleted by Trans Union has been reinserted with a different account number. I request a paper copy of my credit report for review.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have unauthorized inquiries on my Transunion Credit Report. The unauthorized inquiries are from XXXX Delaware, Certified Credit reporting, XXXX, XXXX, XXXX, XXXX and XXXX.
Consumer complaint received 2017-02-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Nelson Cruz & Associates LLC (FL)

Today I received a call from Nelson Cruz & Associates XXXX where they left a voicemail regarding a " pending legal matter ''. They provided a case number of XXXX. I returned their call to ask for more information and they committed several violations of the Fair Credit Reporting Act. 

Here is the list of violations that they committed : 1. They told me I had a " legal case number '' ( listed above ). I asked if the lawsuit was filed in Federal, State or County court. They then said there was no lawsuit filed. 
2. They also allegedly recorded the call without my consent. 
3. They attempted to re-age my debt. Specifically, they told me the last activity on the account was in 2011. This is untrue. Also, they stated that the statute of limitations for a breach of contract is 7 years. This is also false. The SOL in XXXX is 5 years, XXXX is 3 years and XXXX is 4 years. The statute of limitations has expired and the debt is not collectable. 
4. They stated that they were going to garnish my wages. I asked if they filed a lawsuit again and a man named XXXX XXXX proceeded to scream and harass me and threatened to garnish my wages. He said they 'd see me in court but would not provide me any information. 
5. I asked for their address to serve them written correspondence via certified US mail and he refused to provide the address. He then proceeded to make more false and misleading statements and misrepresented the details of my account in an attempt to intimidate me. 

Based upon the threatening tone of XXXX XXXX, I am now in fear that this company may use my personal information to exact " revenge '' on me and possibly even try to steal my identity or use my personal information for other nefarious purposes. 

I also did an online search of this company and it seems that they 've been using illegal tactics to collect debts from many people in various states. 

From my search of the XXXX Comptroller 's website, here are some of the people involved : 1. In house counsel/registered agent : XXXX XXXX XXXX, XXXX. ( XXXX Bar No : XXXX ) 2. Managing Member : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX Please look into this company as I am sure they are victimizing many good hard working people with their deceptive practices. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

My brother was renting an apartment in my name and paid every month until the end of the lease. His next move was to move out with a friend or stay there for another 6 months. He informed the apartment complex of the situation and advised them that he would have a final decision within the last 2 weeks of the lease. He did so inform them that he would be moving out within that 2 week time period. They then told him that because he did n't turn in a 60 day notice that he would owe 2 additional months rent @ market value because that notice was not turned in. He did n't turn one in because of the uncertainty of where he was going to live and was in complete communication with them to this fact, but they then charged to my renter 's history the 60 days @ market value when the entire lease term was paid in full.
Consumer complaint received 2017-03-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (IA)

Wells Fargo has charged overdraft fees on debits against the account when there were still pending transactions on the account, meaning there were still technically funds available. The excuse I have been given is that the pending transactions are considered ( whether they actually post to the account or not ). I transferred funds into the account to ensure a XXXX balance prior to the pending transactions posting to the account. I was still charged overdraft fees. Wells Fargo already has past issues with the way they structure their processing for debits ( XXXX v. Wells Fargo Bank ; Case No. XXXX WHA ( XXXX. XXXX. ) ). I have been a Wells Fargo bank customer since XX/XX/2009 and have never had this issue come up prior to the beginning of this year. This is the XXXX occurrence of this behavior that has happened to me in the last 60 days.
Consumer complaint received 2016-05-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TENET HEALTHCARE CORPORATION (FL)

I have attempted to speak with Central Financial Control to verify the debt on multiple occasions. They keep stating they are not receiving my attorney 's faxes with her letter of representation. I have attempted to contact them in order to verify the debt, despite the fact that they have never sent me any documentation via mail but reported debt on my credit report. Now I call and no one answers the phone number. This is extremely frustrating as I am being denied a loan due to this outstanding account. I did some research and it seems this is n't the first time this company has done this to consumers.
Consumer complaint received 2017-02-09
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: First Direct Lending, LLC (GA)

I have received several letters from these people that, to the untrained eye, appear to be official documentation from my county. It even says " The Peach State Georgia '' in the top left corner and from " Accounting '' on the front page. I have called them and requested to be taken off whatever mailing list these scam artists have me on and they told me they would n't do it. I am reaching out to you in order to put these scam XXXX in the ground.
Consumer complaint received 2024-08-29
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: PNC Bank N.A. (FL)

Thank you for your help. I the beginning of XXXX I had a privet banker from PNC XXXX BANK contact me to open a CD. I had a large amount in my money market account opened XXXX 5.15 % that was wrong. Then he wanted my trust docs. Next day wanted my wife 's trust docs. I told all my accounts were under joint trust. Then on another date he wanted our joint trust that are not active I cancel this CD and told him he had mislead me, I would have never done this. I told him I was going away for XXXX weeks. I have all the email I could send from my XXXX. His name is XXXX XXXX phone XXXX. I see on my account they charged {$1200.00} Approximate. I was never told any of this it was only a XXXX mo cd and he didnt need trust until it was done. 
He said the XXXX client would handle this. 
I called XXXX  times no call back XXXX XXXX. 
phone XXXX email XXXX I also have emails he lied about rate. My complaint is that I was never told I need trust info until it was opened, it should have never been issued and I told him I wanted the interest on the money the had in CD for those day. 
PNC are nothing but crooks and this call made to me to open this was FRAUDULENT I never told him to call us. 
Thank you XXXX XXXX XXXX : I will attach all emails if there is some way from XXXX. I will not be home XXXX XXXX weeks
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: COLLECTION BUREAU INCORPORATED (ID)

This collection agency its collection burea in XXXX has been on my report many times different items .... i have been trying to clean up my report and get the late marks and the other bad marks off.my report. These.people have sent me forms and now they are stating they are marking their items as disputed. And that is another bad mark against my file ... .... i do not want them to damage my credit and my life. I do beleive they have changed the date when it was posted i have my old credit reports showing different.
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AZ)

I have asked the credit reporting agencies Experian, XXXX to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, Experian and XXXX are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will someone please help me get this resolved.
Consumer complaint received 2016-10-05
Product: Other financial service — Check cashing
Issue: Excessive fees — 
Company: JPMORGAN CHASE & CO. (FL)

I cashed a check written on a jp mogan check account on XX/XX/2106 one day before hurricane XXXX is projected to hit. I was informed that because I was as not a customer even though the check was written on their bank by one of their customers they were charging me XXXX$ to cash this check. I have never heard of such a thing and seriously XXXX$ for check cashing ?  That's more then cashing it at a check cashing place. I truly feel the average consumer trying to make ends meet is being ripped off by the banking industry. And in this case chase bank. How much more are we going to ripped off. How many more banks are going to be allowed to take me for a financial ride. This is seriously wrong. Had the person who wrote this check known they would do this to me he would hav gone to the bank himself to get the cash. This is horrible. I have never ever been charged before cashing a check written on the existing bank I was doing business with. Is this becaus we are in a hurricane warning....are the banks not under the same law as gas stations for not gouging the consumer?  Please help. I'm saving my receipt in hopes the XXXX$ they charged that would have put gas in my car will be reimbursed!!!
Consumer complaint received 2016-05-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.