davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (TX)

Venmo was supposed to purchase {$47.00} in etherium as my monthly credit card spend reward. The transaction bounced, Venmo told me it's bc of me, although it is their rewards system. I reached out three times, nobody there seems to be capable of reading / digesting / comprehending what I'm saying, it feels like they're deliberately cheating me out of my earned rewards. This is malice, with intent.
Consumer complaint received 2016-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Prince Parker & Associates (NJ)

I switched from XXXX to XXXX on XXXX/XXXX/2016, whom has been slowly refunding me the money I owe XXXX for the device 's agreements, and I have been consistently paying XXXX on a biweekly or monthly basis without fault. Today, XXXX/XXXX/2016 I received a call from a collection agency explaining XXXX sent my account to collection when I have not recevied any notices that my account will be send to collection in the owed balance is not paid in full. I have only received statements of the balance and the last one I received states I have until XX/XX/2016 to pay my bill. I have spoke to XXXX and they claim at first that my account was never sent to collection and refused to speak to the agency that called me via a conference call in order to resolve this matter. I spoke to XXXX XXXX XXXX and supervisor XXXX XXXX who both informed that they can not give me their employee IDs and they both refused to speak to the individual from the collection agency that was calling me because they both assured me my account was not in collection, even though the account number that the collection agency gave me had a match in their system during our call. Since terminating my services with XXXX XX/XX/XXXX, my balance at that time was {$2200.00} and today is {$740.00}, which means that I have consistently made payments since cancelling my services and have not had any delinquency on my account. In fact, I have made 7 payments of varying amounts in order to bring this balance down and I truly find it unfair and unethical that XXXX sent my account to a collection agency when I have not stopped making payments. Worst of all is that they never sent me a final notice letter informing me of collection services in order to give me the option to resolve this matter. According to the Fair Debt Collection Practices Act, I should have received that letter and in fact I never have. Instead I have received statements allowing me to continue to make partial payments.I believe this violates consumer acts and XXXX should be reprimanded for such behavior.
Consumer complaint received 2023-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$3200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; ; XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} ; XXXX XXXXXXXX Balance Owed : {$4500.00} ; XXXX XXXX XXXX  Balance Owed : {$510.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX Balance Owed : {$820.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-16
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. (TX)

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.

The letters are stated with items and issues.

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 2023-06-20
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. (IL)

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.

The letters are stated with items and issues.

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 2015-08-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This is the XXXX complaint that i have put on experian in reference to XXXX XXXX XXXX record that is on my file. I have sent several documents in and explained my situation to them on several occasions and they continue to deny the removal of the judgement. I put a CFPB complaint on them and they responded that they were not able to block the judgement based on my police report. Note that this is the same response that they gave me in XXXX of this year and they requested documents to back up my claim which I did and they refused to remove the judgement. This judgment was removed from their vendor XXXX XXXX XXXX solutions on XXXX XXXX of this year and I am attaching the letter from the vendor stating that based on my dispute they have removed all judgements and liens. Experian has not tried to contact XXXX XXXX XXXX solutions to get an updated report they continue to use the original report they pulled from when this matter started. I have come to the point where I am going to be left no choice but to hire an attorney to put a civil suit on experian because i have provided a substantial amount of paper work to them and they still refuse to comply.
Consumer complaint received 2023-06-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (LA)

My account should be included with the Wells Fargo Illegal Practices Settlement. 
I contacted Wells Fargo to see if my account was included and they told me that they could not tell me, but if it was I will be contacted. 
My account was unfairly turned down several times when requesting loan modifications in hopes of avoiding foreclosures. I was incorrectly charged fees and other costs. 
Wells Fargo wrongly brought on foreclosure actions, and overstated attorney.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: MoneyLion Inc. (CA)

This bank like institution whom in the past couple years I've hadn't had many problems with, decided to try and feed me XXXX. The month prior they have this incentive that allows you to send what they call a boost that's sepperate from their other products basically stating that I can send 5 boost to people aswell as receive XXXX back in the amount of XXXX dollars. Well my friend asked me to do that for him and I did but he claimed he never got it and I showed him that I sent it ... he sent one to me and I received his. So I sent it back. So this month curiously I emptied my account before the 1st to show a XXXX balance and requested he send me a boost. I got confirmation from this banking app that he sent one. But I never received it. I contacted customer service multiple times the first time I was told to check back the next day the next day came around the next associate disconnected with me not answering my question. I then reached out to the banking complaint line. I explained to them the situation... I'll gladly share those emails with you as well. They first tried to tell me that I had already received it ... so I asked then if I had received it who sent it to me ... because I only had one friend send me one and that was on the first. And on their system it said that I had received it already... which then I showed them thar I had not received it. I find it hard to believe that this establishment was able to predict the future one day before I asked My friend to boost me... with that being said I also find it hard to understand that if they give you XXXX to send then you should once again be able to receive XXXX. And since I had in their eyes already received this " Illusionary boost '' then why am I not able to receive the one my friend sent. Makes no sense... regardless all I got was XXXX. Now I'm responsible for paying them back for something i didn't receive ... which goes back to my friends situation. If they stole XXXX dollars from him and are trying to steal XXXX dollars from me.. how many people have they been stealing XXXX dollars from claiming these people received something they didn't. Had they just admitted they made a mistake this could have easily been avoided. But once again I'm being brushed off as if I don't matter well XXXX them I matter you let them try and feed that XXXX to you. Because I ain't eating it.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

My checking account was frozen on XXXXXXXX XXXX XXXX. I bank with credit Karma and there is {$1100.00}. I have spent hours on the phone and emailing and cant not get an answer as to why it was frozen or a timeline as to when it will be available. I have no access to my money to but groceries and everyday necessities to survive. I have children and no way to buy food. I keep getting the same generic email saying they understand and they are sorry but nothing is being done to correct the problem.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Bank of America. Bank of America 's investigation consisted of calling the thieves only. We had a call scheduled with BoA that XXXX was on with. BoA never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and BoA refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of BoA 's incompetence and cruelty.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (NY)

Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank you!
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (TX)

On XX/XX/XXXX   I requested each credit bureau investigate the accuracy of the account XXXX Money which was reporting negative on my credit report. XXXX replied that this information was verified as accurate however upon reaching out to XXXX Money they stated they never received a dispute and had they received the dispute they would of sent back verification that the account was never late and paid as agreed. There has not been an update on my XXXX money account since XX/XX/XXXX  so that means the credit bureau did not thoroughly investigate this account.
Consumer complaint received 2017-02-16
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of Ametica knew, or should have known, the XX/XX/XXXX Modified Deed of Trust was defective and, therefore, void and voidable. Bank of America failed to tell me of the circumstances surrounding the modification and the resulting Deed of Trust. Bank of America continued to accept monthly installment payments from me while failing to correct or otherwise mitigate the defective XX/XX/XXXX modification including, but not limited to, offering a subsequent modification and informing me of the defects associated with the XX/XX/XXXX modification process and Deed of Trust. The first default occurred in XX/XX/XXXX. I have not made a monthly installment under the terms of the XX/XX/XXXX Deed of Trust since XX/XX/XXXX which resulted in the first default on this account and mortgage. 
Furthermore, I have been granted a modification in XX/XX/XXXX. However, Bank of America failed to inform me of this to date and have never offered any modification based on the XX/XX/XXXX Appeals Report granting of a MHA HAMP TPP on appeal. I have never reapplied or applied for any modification since being granted MHA HAMP and directed to be placed in a MHA HAMP TPP, but Bank of America insists on making such misrepresentations to me and others just to mislead and deceive in support of their intention to wrongly and unlawfully separate me from my home and property through an improper nonjudicial foreclosure and foreclosure sale.
Consumer complaint received 2023-09-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Triple AC Resolutions (CA)

The company called my phone from XXXX and proceeded to tell me I owe a debt to XXXX XXXX XXXX I informed them that I have a paid in full letter and that I need their email address. I tried to send the letter by email and it came back as not a valid email XXXX The lady threatened at that time that if I don't pay it will go on my credit report and legal action will be taken.
Consumer complaint received 2023-06-20
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: CLGF Holdco 1, LLC (CA)

In accordance with the fair credit Reporting act XXXX  Account # milestone credit card account number # XXXX has violated My rights 15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-06-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ridge & Valley Realty, Inc. (CO)

Had numerous issues with insurance coverage for this medical bill. Communicated this to XXXX XXXX  the original service provider and creditor. XXXX sent to collections {$870.00}. I continued to dispute with collections while waiting for insurance payment. Collections accrued interest in the meantime. Insurance finally found their responsibility. Sent check of {$650.00} to XXXX XXXX, they forwarded check and new XXXX  showing patient 's responsibility should be corrected to {$220.00}. Collections continues to report to credit bureaus an original debt of {$870.00} and a balance due that includes interest from the portion that was the responsibility of Insurance. The current balance reported to credit is {$360.00}.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account name : XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX  Account number:XXXX has violated my rights. 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 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2017-02-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Acceptance Solutions Group, INC (MO)

They are removing money out of my account after numerous emails send telling them not to and revoking my AHC. I have also requested them to remove my debit card information as this is a part of my " banking Information ''. They are putting me in a financial bind taking money out of my account when they are not supposed to. I will never work with this company again once my debt is paid. Their associates are rude. and poorly trained.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC (FL)

I am receiving unsolicited offers to apply for a 36 % interest rate credit card. Milestone MasterCard. There are two " unsubscribe '' links at the bottom of the email. Both just re-direct you to their website. I XXXX  the card to see if I could find a contact number to get off their email list. The automated message asks you to enter your full nine digit SS #. That's a red flag. They now have my email address and my cell ( that I called from ). I entered a fake number. Finally connected to a live person who, I am not making this up, had a XXXX accent. He insisted that he could not assist me unless I provided my SS #. 

This operation sounds like a phishing scam and needs to be shut down.