davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I deposited 4 stipend checks on XX/XX/XXXX from my school. The next day the funds were available but then a hold was placed on the checks. I received an email stating the funds would not be available until XX/XX/XXXX. I called Truist customer service to have them explain to me why the funds were available in my account but then a hold was placed after. The representative stated that the branch was the one who put the hold on the account. I explained to her that the hold was placed at XXXX XXXX. but the branch doesn't open until XXXX XXXX. so how could the branch put the hold when they weren't even open when the hold was placed? I requested a supervisor and was on hold for approximately 20 minutes before being transferred. I explained to him what was going on and he was not very nice about the situation. He told me the system automatically put the hold on the checks because they looked " suspicious ''. I asked him what they had found and what looked suspicious about the checks since it came from a large corporation that services many colleges throughout the US. He responded with " nothing so far ''. He asked if I wanted to make a complaint and I told him I would like to. I have bills that are due on the 1st so I can't wait until they " review '' the checks a week later before they release the funds. They have been very unprofessional and seems like they read from a script when a question is asked. When I orginally asked to speak to a supervisor the rep responded with " they're going to tell you the same thing I did. '' Regardless, I asked to speak to a supervisor so transfer me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX Date of birthXXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Telephone number : XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : credit card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 2 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 3 Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 4 Account Number : XXXX Account Name : XXXX XXXX  Type of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 5 Account Number : XXXX Account Name : XXXX XXXX  XXXX of disputed information : credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute 6 Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX of disputed information : collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (MD)

I routinely transfer funds from my Money Market Account to Pay Down my HELOC. I do these transfers online, and both accounts are at First National Bank. The transfer out of the Money Market account occurs instantly, but the pay down of the HELOC account can take days to weeks. In the interim, it is not clear what is happening with these dollars. I lose interest on the withdrawn funds immediately, while I continue to pay interest for days to weeks on the HELOC. Is this a normal banking practice? Does it warrant a complaint? Should this be a class action? This involves a loss of a few hundred dollars per year for me, but if magnified across the entire customer base, it could be a very, very significant loss of dollars for the customers and unwarranted gain to the bank.
Consumer complaint received 2024-10-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

The Wells Fargo Bank violated my rights and refused to process my disputed credit card transaction.

Two transactions in same date and same amount.

1. 
Date : XXXX Amounts : {$6800.00} USD XXXX. 
Date : XXXX Amounts : {$6800.00} USD
Consumer complaint received 2023-11-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (NY)

I used Affirm to buy a product and pay over time. 

Towards the end of the monthly payment cycle, I had unknowingly made a mistake and opt out of automatic pay system. This resulted in my account being late for my payments. After finding this out, I had called affirm, I believe XX/XX/2023. I spoke to an agent, the agent let me know that there was still time to make the payment. Immediately after hanging up, I made the payment in full through their app. The payment was processed by XXXXXXXX XXXX, and I thought that was that. 

Few months later, I noticed that my XXXX credit was significantly lower than the other two credit bureaus. I came to find out that they had written me off, representing to XXXX as if I had not paid the debt. I called Affirm and spoke to a supervisor. I was told that I was written off as of XXXX XXXXXXXX XXXX, and because my payment came through on XXXX XXXX, there was nothing they could do. 

The time it takes for their app and my bank to process the payment is out of my control. They fully know that once you click " pay '' on their own app, that the payment isn't made instantaneously. Even though I listened to the advice given me by one of their representatives over the phone on XXXX and paid the owed amount in full, they made a false representation to XXXX. All of their phone conversations are recorded and if they wanted, they have the ability to verify and help solve this issue, but they refuse to. 

I am submitting my XXXXXXXX XXXX statement, and a screenshot of confirmation email received from affirm regarding my payment made on XXXX as supporting document. If needed, I can also contact my old phone carrier and try to get a record of me calling Affirm.
Consumer complaint received 2023-11-01
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

HELLO MY NAME IS XXXX XXXX MY SAKS FIRST CARD BY CAPITAL ONE BANK HAS BEEN USED WITH FRAUD CHARGES ON THEM. THE CREDITOR IS NOT DOING ANYTHING ABOUT IT AND NOW MY BILL IS XXXX BECAUSE THEY ARE TRYING TO HOLD ME RE4LIABLE FOR THESE FRAUD CHARGES. XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; XX/XX/23 XXXX ; THESE CHARGES WERE NOT MADE BY ME I DID NOT EVEN HAVE MY CARD IT WAS LOST/STOLEN AND FRAUD CHARGES WERE MADE I BARELY RECEIVED MY CARD XXXX WEEKS AGO FROM THE MERCHANT. THE MERCHANT IS REFUSING TO HELP ME THEY ARE NOT EVEN TAKIN THIS COMPLAINT OR ANY OTHER COMPLAINT SERIOUSLY. AND SAYING THE COMPLAINT WAS NOT FILED BY ME AND SOMEONE ELSE BUT IT IS ME I AM TIERED OF TRYING TO GET MY FRAUD FUNDS CREDITED BACK TO ME. I REALLY NEED HELP SO THEY CAN TAKE IT SERIOUS AS THEY ARE NOT AND THEY ARE NOT HELPING.
Consumer complaint received 2023-11-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

I filed a fraud claim with Barclays US. 
My claim was denied claiming that the company produced evidence of the charges validity. The evidence was not explained to me. The representative, XXXX, told me that it should have been filed as a dispute rather than fraud, and that she was unwilling to allow me to file a dispute for the illegitimate charge. 

She told me that I had no choice but to pay the fraudulent charge and that if I did not, I would continue to accrue interest and late payment fees. I was left with no other recourse but to file a dispute against Barclays US. I have never had a credit card company be so rude and unhelpful, and I have had cards with multiple other companies. Stay away from Barclays US!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 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 2023-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

in XXXX, 2023, i ordered a blender from XXXX. the total charge was approximately {$180.00} and change. the item i received had been opened and used. it was dirty and had fingerprints on it. i contacted the company who sent me a return label and said they'd send out a replacement immediately. i followed their instructions and returned the used blender, and heard nothing from the company for weeks. my followup emails were ignored. i contacted them the last week of XXXX to tell them not to send a replacement unit, to just refund me for the unit i had returned, and received an automated message back that my email address was unauthorized and my email had been blocked. the company kept my money. when i try to click the link to view the return label with the tracking information, it says it's invalid, so i can no longer view it. I'm certain they have access to it but they won't respond to me. i followed up with my bank and gave them all the details. yesterday, XXXX, i received an email from my bank asking to send more information by XXXX or my claim would be denied. i wrote back immediately asking what additional information they needed from me because i didn't understand what to send. they did not respond. this morning, i received an email that they denied my claim and so the company is keeping my money, which they essentially stole, since they have the defective blender back and never sent me a replacement and have ignored my countless messages. they have no phone number. when i tried to file a complaint with the better business bureau using their claimed address, i was told it's not a permanent address and that the company doesn't have a permanent presence in their state. i have absolutely no idea what to do but XXXX stole my money and my bank won't help. please help me.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

My employer was going to pay $ XXXX on behalf as an employee. However, this amount would be reduced due to the taxes withheld. The amount should be close to {$5500.00}. 

The payment was made to aidvantage approximately 30 days ago. However, the payment has not been posted to my account. Interest continues to accrue at approximately 5 % interest. 

I have contacted aidvantage via their website help page, and after each submission the website thanks you for your email to aidvantage. I have contacted them three times in the last three weeks and no response has been received.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Financial Services (IL)

The loan company I was with before they repossessed my car keeps pulling my credit report every other month. I didnt authorize nor give them permission to since I signed for the car on XX/XX/XXXX of 2022. If you look at the photos Ive sent, theres two separate reported accounts from the company. There should only be one account. I dont want to keep dealing with this company or the manager who runs the store. Is there anything I can do too stop this from happening further
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (DC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX XXXX XXXX  SSN : XXXX IQ Data International Report Number : XXXX To whom it may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. I reached out and requested proof of original ownership, my signature, and a license to collect in my state. I also contacted the original debt collector who stated everything was destroyed XXXX years ago and they are not obligated to keep anything past XXXX years. The following alleged collection account is listed as having a PAST DUE BALANCE of {$1300.00}. 
This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards. 
According to Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable, and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following credit card account and hard inquiries currently listed on my XXXX XXXX, XXXX and Equifax credit report is not my credit card account or hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.