davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please see the attached letter from XXXX XXXX  as well as the universal data form and update the account that is reporting inaccurately. The account is XXXX XXXX XXXX XXXX XXXX. The late payment for XX/XX/2020 should be removed and updated immediately. The company has agreed to a goodwill amendment.
Consumer complaint received 2023-03-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/2022 I received my firts check in this country from a company called XXXX XXXX  as soon as I got home a deposited my check in my bank account ( Bank of America ) by phone using the Bank of America app. At the next day as soon as I woke up I checked my phone and the application was blocked, went to the bank they told me that they couldnt help me that I needed to call the number in the back of my card which I did every time I called told me something different about what was happening but never the reason why I was under this uncomfortable situation as being accused of suspected fraud for a check I didnt even write that was given to me from my job. After many month waiting on XXXX I received a letter saying that my account was closed and that I was reported to XXXX  I call I ask for my report and I filed a dispute on XXXX to resolved this problem on XX/XX/XXXX I called to see how was my dispute was going they told me that they investigation was accurate but I refuse to stop there because I know that I havent done any kind of fraud I just want to resolved this problem and be able to open an account and start building credit in this country of opportunities. Please I really need your help to resolve this problem
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I had made complaints about fraud when I was sick with XXXX 2 times last year. 

They gave ne provisional credits and yet reversed them. I continued to give them proof and they have fought me stating they either never got the proof or that it didn't matter since my card was being used. There was no way I could use my card when I was in the hospital. 

I called over and over and was transferred but never got any results. Now they're stating that I committed fraud by moving my money I did have over to a new bank account. 

I never committed fraud. It was committed against myself and now I am in this on going battle to have them balance out my account to XXXX so I can close on good terms and keep my current bank.
Consumer complaint received 2022-11-28
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I received a mail offer from Citizens Bank. The mail offer says I should receive XXXX XXXX  for opening an account with a direct deposit. I did so and set up a direct deposit with greater than XXXX XXXX. Until now, I have not received the bonus of XXXX XXXX.
Consumer complaint received 2020-04-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank sent me a " Home Equity Line of Credit Statement '' dated XX/XX/XXXX for my HELOC held with them. The " Home Equity Line of Credit Summary '' on this statement indicates a " Corresponding Annual Percentage Rate '' of 4.050 %. 

However, online - the Citizens Bank website indicates that my " Interest Rate '' is 2.55 %. 

Also, I referred to my " Home Equity Line of Credit Agreement '' for this account dated XX/XX/XXXX and it also indicates that my interest rate for the statement dated XX/XX/XXXX should be 2.55 %. 

This discrepancy results in a difference of approximately {$130.00} in favor of the bank. 

I attempted to call the phone number provided on the statement, was put on hold and then the call was disconnected after six minutes. I then called my local branch, was put on hold and then that call was disconnected after nine minutes. 

I then attempted to email the bank, but their website does not allow email inquiries related to this issue at this time. 

Please help me obtain resolution for this bank error. Thanks!
Consumer complaint received 2023-02-28
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: REGIONS FINANCIAL CORPORATION (TX)

This is my NUMEROUS 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 accounts 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 Accounts REGIONS BANK XXXX XXXX  : {$6900.00}
Consumer complaint received 2020-04-23
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)

Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 

REMOVE THE FTC VIOLATIONS
Consumer complaint received 2023-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

I requested a refund of voluntary payments made during the pandemic in XX/XX/2022. 
I was told that they could not provide me with a confirmation number or any specific details about my request, however they did provide me with the amount coming back to me. 
It is now XXXX, and I still havent received anything. Was told today this shouldnt take longer than 60 days and asked if I wanted to be transferred to resolutions. Have been on hold with them ( is this a real department?? ) for XXXX and counting. 
I understand MOHELA is getting the bad end of the student loan reform deal but they need to process these refunds for voluntary payments made in a timely manner. This is a federal program and MOHELA needs to adhere to the rules.
Consumer complaint received 2023-03-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

I check all three of my credit reports weekly as I am building to an idea score so i can rent a townhome and have had false reports on my statements before that damaged my credit. On XXXX XXXX I discovered a collection account on my XXXX and XXXX reports from XXXX XXXX XXXX for {$430.00}. It claims the account was opened in XXXXXXXX XXXX XXXXXXXX however through XXXX XXXX I've not applied for any loan or given my information to anybody nor have I received any communication or mail that a loan was given out in my name or in jeopardy of being in collections. I tried contacting XXXX who were the original creditors, it was stated they had no record of me applying for any loan or receiving one and that I would need to discuss the matter with the collection agency which is has prompted me to open this investigation. I have not applied for any loan or financial assistance since XXXX and all my collections were paid i moved to a new location and updated all my addresses prior to XXXX and am unaware where my information could've been gathered to use for this purpose. i spoke to XXXX XXXX XXXX today updated my contact info since the address and number the had were not accurate and have asked for validation of debt.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

This company sent me a statement that I owed a debt to them and I have never heard of them until I received this notice. They are damaging my reputation by putting negative information on my consumer report after receiving a cease and desist ; they have defaulted in responding to my debt validation requests and affidavit. I sent them notices and highlighted their violations.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

After transferring the bulk of my funds to a Bank of America account due to higher international wire limits. I scheduled an appointment and notified the bank several days before that I would be going to the branch to send an international transfer exceeding {$50000.00} and to be prepared to do so as I was moving out of the country. At the scheduled time I filled out all paperwork, provided both US Passport and valid state ID. About 40 minutes passed and the Bank Manager came to speak to me. She notified me that my account was now frozen for suspected fraud. And that the wire would not be sent and that I would have XXXX access to my funds. I was scheduled to leave the country, a very large international move two days later. With XXXX access to my account, multiple vendors would not be able to get their payments and created an issue. My pets USDA health certificate payment was refused, causing my pet to not be eligible to leave the country at the pre-set departure date. I was unable to pay the airlines to rebook my tickets, unable to pay rent, purchase fuel, or groceries to wait out the account freeze. This is beyond unacceptable.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion and XXXX are hereby referred to as The Companies. XXXX XXXX is hereby referred to as The Consumer. 

The Consumer has tried unsuccessfully on numerous occasions to retrieve his annual consumer reports due to an error when connecting to The Companies systems via XXXX
Consumer complaint received 2023-03-01
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: Experian Information Solutions Inc. (NC)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Kohn Law Firm S.C. (IL)

I've followed up with a summon for credit card debt that i received by calling XXXX XXXX aka XXXX XXXX XXXX and i was told on the phone to hold that my call will be forwarded to Kohn Law firm and will be speaking to an attorney at the firm. I hold the line and the person who answered the phone did not give his name and spoke to me as he was an attorney and asked me all kinds of questions that i was not comfortable to answer. He started to ask questions like aren't you working for this employer giving my current employer name on the phone, how much salary i was making and accused me as liar. He has shouted as he was fighting with vulgar language. Today, at work, i received a call from same person and i asked his name and this time he has confirmed that he was the same person i spoke with yesterday XX/XX/2023. Employee at Kohn law firm XXXX XXXX was falsely claiming that he was an attorney and spoke to me with same manner and threats that i have a loosing case
Consumer complaint received 2023-03-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC. (WI)

I had found a used car at XXXX XXXX, a large dealership based out of XXXX XXXX, WI, and had gone in to test drive it, applied for financing, submitted all requested documents to the dealership needed for financing the car and set up a date for them to deliver the car. They had delivered the car to my house, had me sign the purchase contract, financing paperwork, and the loan agreement. I had also signed the same documents electronically and received my copies of the documents that were also signed by the dealership. I gave them a check for {$4000.00}, which was the down payment I was making on the vehicle, which cleared from our account a few days later. They then reached out to me 7 days later to tell me that the financing was not completed with the bank yet and they needed more information. I had informed them that I had a recent change in my employment and I was going back to my previous employer after a few weeks, but I was in between jobs for the time being. They then told me that I no longer then could have the car and that they were going to be taking the car back because it belonged to the dealership, despite me having already signed all of the documents with the dealership. My first payment was not yet due for another 4 weeks according to my loan contract that the dealership and I had both signed. They had demanded that they needed drivers to come get the car or I needed to take it back, and I told them that I needed to look into things because I had already signed legal documents purchasing the car. They proceeded to call me 9 times within 20 minutes and sent me several text messages threatening to escalate things further and using tactics to try intimidating me into complying. I have since returned the car to the dealership due to their threats and harassment. I was also never made to sign an off site disclosure informing me of my rights in the state of Wisconsin associated with an off site sale.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Unauthorized inquiries on my credit report. Unauthorized inquiries are as follows. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I tried resolving the matter directly with no results.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (MO)

Mohela is putting duplicate information on my credit report and lowering my credit score dramatically. 

I have 3 student loans with them and they put my information on XXXX and XXXX   double. They put the original loan and the in house collection company reporting the same dept.
Consumer complaint received 2023-03-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TX)

I had a savings acct and a CD with XXXX by Goldman Sachs. On XX/XX/XXXX instructions were given to close and wire my savings acct funds ( over 6 figures ) and then also, on CD renewal XX/XX/XXXX, close and wire those funds as well. After a 4 hour call on XX/XX/XXXX neither wire transfers had been initiated. I immediately asked that the accounts be combined and wired. On XX/XX/XXXX the savings account funds were sent but not the CD funds. Each time I would inquire the excuse was they got a account number on the wire incorrect. The receiving bank would initiate contact with no response from Goldman Sachs. This bank is externally linked to my account with Goldman Sachs. I have requested a call back on 5 occasions from anyone with XXXX. No one has attempted to call me. Every business day since XX/XX/XXXX I have contacted XXXX with Goldman Sachs and constantly got the run around. It is XX/XX/XXXX and instead of calling me with their error, they redeposited my funds in a new CD without my consent. I am now currently on hold requesting the wire yet again. I have instant chat conversations and multiple names and call logs with Goldman Sachs. They will not give me any supporting documentation of the activity of my funds since they closed the CD on XX/XX/XXXX. When I was told the account number was wrong, I asked what information they had so I could correct their mistake. Again, phone agent couldn't support any of the history of the funds.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-24
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. (MD)

It came to my attention, after checking my credit report, there appears an hard inquiry on there through Equifax consumer reporting agency and communication with XXXX XXXX XXXX XXXX I disputed this very quickly, and I asked the customer service representative, why is this on my consumer report? Then I informed the representative, according to the FCRA this is a violation of 15 U.S. Code 1681a. The section concerning the communication of information of common ownership or affiliated with corporate control. According to the regulation, such communication is permissible only if it is clearly and conspicuously disclosed first to the consumer, and if the consumer is given the opportunity to opt-out prior to the communication of such information.
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: Experian Information Solutions Inc. (NY)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (CA)

On XXXX XXXX, 2023, I opened an online money market account with ALLY BANK ( XXXX XXXX XXXX ) I then funded the account by ACH payment in the amount of {$8000.00} in the hopes of an attractive advertised XXXX. 

Less than XXXX hours after the account is funded, I discovered I could not login and access my account. I receive a message from ALLY claiming the account is frozen for " suspicious activity ''. This happens only after ALLY receives my money. 

I contacted the bank, verified information, and so forth including refuting any claims that I misused the account or shared login details and now they say they may continue to freeze my account for an " investigation '' and may not conclude for up to 30 days. 

I requested an immediate closure of the account for wasting my time and was refused. Furthermore, ALLY claims they will not give me any interest during the hold period. This is tantamount to fraud on their part. Holding my money for up to 30 days while they can use it to lend to others for their profit. I have googled ALLY and it seems this freeze happens often and conveniently. How much money do they freeze, essentially take from honest customers like us while they have free access to our money?
Consumer complaint received 2023-03-01
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. (IN)

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX AND # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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