davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (FL)

On XX/XX/2022 I sent ACIMA DIGITIAL FKA SIMP a letter letting them know that I had no knowledge of the balance that was reporting on the account and I asked them to verify that this account was reporting maximum possible accuracy. I let them know that they had 30 days after the receipt of the letter to respond after conducting a reasonable investigation to verify that this account was mine. I told them that if they could not verify the information that it needed to be removed from my credit report. I asked ACIMA DIGITAL FKA SIMP to send me the confirmation that the information was deleted from my credit report if they could not provide proof. On XX/XX/2022 after not receiving a response from them within 30 days I sent a letter to XXXX asking them to investigate this account for me as well. I let XXXX know that according to the FCRA that they must investigate this account and check with the creditor who has posted them. I sent in a copy of my ID and also proof of my address with this letter. On XX/XX/2022 I sent another letter to XXXX that was a formal complaint about ignoring my previous request and failing to maintain reasonable procedures in their operations to assure the maximum possible accuracy in the credit reports that they publish. I then asked them to reinvestigate and according to federal law, they had 30 days to complete the reinvestigation and to provide proof of the investigation within 15 days of its completion. It is now XX/XX/2022 and I still have yet to hear back from XXXX or ACIMA DIGITAL FKA SIMP I am in the process of sending another letter to them. I have reached out and given them an ample amount of time in order to send proof of this account and they have violated my consumer rights according to the FCRA by failing to do so. I would like this account to be removed from my credit report immediately.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Upgrade, Inc. (NC)

Hello. I've had multiple phone calls about my rewards checking account bonus that I was told I qualified for after applying for the credit line and doing 3 checking transactions. It's been more than 60 days, which is what I was told was the deadline. Please have someone credit my account the {$500.00} I am owed. I was supposed to get a call back " in XXXX minutes '' on Friday after being told I did in fact qualify. Nobody called. Thank you. XXXX
Consumer complaint received 2022-10-25
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: Prosper Marketplace, Inc. (MD)

I have tried to fix this with XXXX. Someone opened a card in my name from Prosper. I have disputed this with all 3 bureaus. All of them have erased the fraudulent information except for XXXX. The last complaint I sent, they said they would look into it. They sent me an updated credit report a few weeks ago stating that the information wasn't on there. And this morning they stated that the information was updated and mines. Again, how are they verifying the information, when the the credit card company itself is saying it was a fraudulent account?
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (GA)

I opened a Pay Pal account to process a credit card payment from an embroidery sport coat project for a customer. Pay Pal will not allow me to transfer the money collected from the payment from my customer into my personal to pay my vendor and my personal credit card. 
They asked me to provide an explanation for the type of business that I have which I did. Then they asked for a copy of my drivers license, Business Tax Certificate from the state and a copy of a utility bill with my name on it, which I provided.

I have been trying to egt this resolved for two weeks.

I was told the my account is on restriction. and that I will not be able to resolve this issue for 180 days.
Consumer complaint received 2022-10-25
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

This morning when reviewing my XXXX checking account, I noticed XXXX ACH transactions that appear to have been attributed to Capital One that debited my account in the amount of {$100.00} and {$570.00}. As my Autopay had already occurred for my Capital One credit card the day previously, I anticipated there was an issue. 

At XXXX EST I contacted Capital One 's customer service number and entered my account information, Even before I explained my situation I was directed to the Fraud Protection unit. When I inquired as to why I was directed to Fraud even before I explained the issue, the representative indicated that my account was " flagged '' because I changed my email address. I indicated that I did not change my email address and in fact, as I was online viewing my Capital One credit card account, and the email address was accurate. The representative then said " well then It must have been flagged by mistake ''. I found that " odd ''. 
Nonetheless I asked representative to advise if there were any " online payments '' being credited to my credit card account dated XXXX/XXXX/17 that would have occurred " in error '' in the amount of {$100.00} and {$570.00}. I articulated that I have XXXX ACH debit transactions that were appearing on my XXXX checking account that were attributed to " Capital One online payment ''. I offered several times to provide a screen shot or transaction ids. Her response was " well since I ca n't see these transactions on the account I ca n't help you ''. I indicated that I felt she was remiss in her follow up to my concern and I indicated that I was well aware of the electronic funds transfer act and its provisons. I further indicated that while I will in fact call XXXX to start an investigation, I also indicated that I was " deeply disappointed '' that she would not take a fraud report and investigate further as it is rather clear someone is committing fraud using Capital One brand. 

The long and short of this letter is that I do n't think it is " coincidental '' that fraudulent transactions would be coming through my account branded with " Capital One '' if I was not an accountholder, I do n't think they would pick " Capital One ' out of thin air. Further, I also do not find it coincidental that when I called into Capital One customer support I was directed to Fraud even before indicating an issue due to an " email change ''. I just do n't think this representative could be bothered to " connect the dots ''. 

I am submitting this complaint as I am deeply concerned that this situation is not a " one time '' issue and is fact part of a larger data breach that has occurred and I want to ensure this situation is investigated with some degree of rigor. 

XXXX
Consumer complaint received 2022-10-25
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. (MI)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (PA)

I think Im being redlined. Ever since XXXX bank close my account with the XXXX provider, the statements received have been incorrect, account has been closed and my credit profile has been compromised. Representatives have hung the phone up just reading notes in the last 30 days because of my complaints to request a verification of possible discrimination and or red lining. They have a void it to offer me credit and harass me daily to pay a collection that I dont even know and have been XXXX dollars past due and have not used the card And over 90 days with a XXXX dollar balance
Consumer complaint received 2015-04-11
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (TX)

SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid. 

I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow. 

So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account. 

At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX. 

I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well. 

Every promise made has been broken, and apparently my issue is still unresolved. 

My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position. 

Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation. 

We are past apologies! They need to make it right with their customer.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am filing this complaint because Transunion has ingnored my request to provide me with documents that their company has on file that was used to verify the accounts I disputed being that they have gone past 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to '' promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. thank you
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (MA)

Someone submitted multiple electronic applications in my late mom 's name to American Express, American Express provided the application dated XXXX 2011 but did not provide the XXXX dated XXXX 2011. The name on the application was XXXX XXXX, my mom 's name was XXXX XXXX American Express had me submit death certificate, durable power of attorney, trust documents and will documents, but did not provide the application
Consumer complaint received 2022-10-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

on XX/XX/2022 I mailed a letter to the UNITED STATES BANKRUPTCY XXXX XXXX XXXX OF ILLINOIS, asking do they report bankruptcies to the credit bureaus OR any Consumer reporting agencies and the COURT sent me a letter back stating that " They do not report any information to the Credit bureaus and they are not responsible for verifying or validating Information from consumers credit files. So how did LCI verify this allege bankruptcy as a 100 % ACCURATE. 


LCI violated my Federal given rights under 15 USC 1681.

According to the FCRA : 15 U.S.C 1681 section 602 A. States I the Consumer have the right to privacy.

According to the FCRA : 15 U.S.C 1681 section 604 Section 2 : it states a consumer reporting agency CAN NOT furnish a CONSUMER REPORT without written instructions OF THE CONSUMER TO WHOM IT RELATES.

According to the FCRA : 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.

So now since LCI Can not provide with the Permissible Purposes Document that shows that, I the consumer give them written instruction to furnish, Publish or sale my consumer report to anyone. they have just committed AGGRAVATED IDENTITY THEFT.

According to : 18 U.S.C 1028- AGGRAVATED IDENTITY THEFT ( A ) ; Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I also contacted PACER and they told me that the information may not be a 100 % ACCURATE therefor they can not PROPERLY VERIFY This account as ACCURATE. and they do not give out Information on Bankruptcies.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NC)

Attempted to work with Ocwen Loan Servicing for a loan modification while on XXXX due to injury at work. Months in, i have sent every shred of evidence that i have and they keep playing games. They will never accept it and now the window is closing in 3 days. I even got a letter from work and still nothing is good enough. Every rep that call does 0 homework and reads off the same script every time.
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (IL)

There are issues with my sons loan that he and his mother have with Sallie Mae and they keep calling me at all hours and while at work. I explain that I am not on the loan and to stop calling and their people have stated my name is on the contact list and they want a payment and if I want the calls to stop to make a payment. 

As far as I am concerned they are worse than a loan shark and they will do multiple computer calls per day and that is a form of harassment and that is not legal.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On Tuesday XX/XX/XXXX I deposited a payroll check in person at my banking location in XXXX Minnesota. The XXXX XXXX XXXX Huntington Bank. the amount was for {$4800.00}. The bank then the next day placed a hold on the funds for 6 business days or until the bank received the funds from the other bank. I called 2 times once on Friday and Again on Tuesday to verify if the funds were received to be told that they have no way of verifying that the funds were received, and the hold will stay on. I then researched the law on check holds and this one falls under the 5-business day threshold.
Consumer complaint received 2022-10-25
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. (MS)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violating my rights. 

( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. Definitions and rules of construction set forth in this section are applicable for the purposes of this title. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report
Consumer complaint received 2022-10-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: ALLY FINANCIAL INC. (OK)

ALLY AUTO HAS MALICIOUSLY AND FRAUDULENTLY CLAIMED THEY HAVE A CLAIM ON MY PROPERTY BUT HAS CONSISTENTLY FAILED TO PROVIDE LEGAL EVIDENCE OF OWNERSHIP OF THEIR CLAIM.  

SHOW ME WHERE "ALLY" IS FIRST PARTY TO THE CONTRACT THEY PROVIDED!

PLEASE REVIEW ALL PAGES IN THE 553-OK-ARB-e RETAIL INSTALLMENT SALE CONTRACT  AND PROVE WHERE ALLY IS REAL PARTY THE CONTRACTUAL AGREEMENT.  THIS HAS BEEN ALLOWED ENTIRELY TOO LONG!
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (TX)

I'm having problems with my direct Express it was hacked twice this year. The first issue was resolved. The second issue I waited a month to hear that my claim was denied for fraud. The XXXX  would not give me her customer service number but her name is and she was very rude. But all in all they said that I'm responsible for these charges made in XXXX New Jersey I live in Texas, the total charges this time was {$150.00} and a little change. But they did not even contact me while I waited for their decision when the decision was made I had to call them 3 days before the day they said the decision would be made.
Consumer complaint received 2022-10-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (IL)

I made a wire transfer for {$3000.00} from my Citi Bank NA account to my Citibank XXXX account on XX/XX/2022. This was to pay for my expense in XXXX. The wired money did not reach my Citi Bank XXXX account. I called Citi Bank XXXX many times and I was told they could not trace the transaction. Citi Bank XXXX told me they had reached Citi Bank NA but were not able to resolve. I could not use the fund when I was in XXXX. I came back to the States on XX/XX/XXXX. I called Citi Bank XXXX and was told there was a problem with the account number. I had fat fingered the account number. I was given two options, 1. Fix the account number which will take 10 - 30 days 2. Cancel the transaction which would take max 10 days. 
I chose to cancel, because I had to pay back the money I had borrowed from my family during my visit. 
It is XX/XX/XXXX today and after several calls to Citi Bank XXXX, I am asked to be patient and I am told it will be resolved soon. 
I spent a lot of time ( more than 10 calls to Citi to check on my wire status ) and I am also told I will be paying currency conversion fee twice for a fund I could not use while I was visiting XXXX. 
Shouldn't the wire be returned back as soon at it was determined that the account number of incorrect. 
When I asked the service desk for an escalation process, I was told they can not do anything about it. when I asked to be transferred to a XXXX, I was transferred to some person in the XXXX office, who was taking a cold call from me. I started all over about the issue with this person. He then read to me the notes from the offshore call center log.