davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (IL)

BBVA USA has locked my account after attempting one time to activate my Simple Banking account according to their transition instructions and has made not effort to resolve the issue. 
Customer service lines are extremely long and where you do get to a representative they hang up on you, they don't seem to be able to hear me -maybe. 
According to their XXXX it would seem they put more representatives in to work on XXXX XXXX which in of itself is cruel beyond the fact these employees are baring the brunt of a hostile interaction that they have no fault in. 
Again according to level of complaints on XXXX I am not alone in this terrible circumstance. 
I need to transfer money but have no idea if it will be bounce back and I'm unwilling to pay fees on one or both ends for account transfers to be rejected that I will never be reimbursed for.

We have been told repeatedly for what seems like five months that this transfer will happen email two months ago with an explicit date ( XX/XX/XXXX ) the transfer will occur and that we should log on that day and set up our new account. 
It feels as though my entire bank account has been stolen from me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (NY)

I haven't been able to access my Simple checking account for two days, since the transition began to BBVA USA. They will not let me log in, and I can't get in touch with customer service. I have almost all of my money in that bank account, and no access to it.
Consumer complaint received 2021-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

XXXX XXXX and XXXX XXXX  XXXX XXXX reporting late payments and delinquents 30 to 90 days late. XXXX some false statements on reporting late and no available credit i have bank statements and checkbook statements are available a few payments maybe 2 days late because of mailmen postal delivery.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

BBVA chose to transition all Simple banking customers on a Saturday. They were ill-prepared and have locked most users out of their accounts for over 36 hours now. They closed down customer service phone numbers and when they opened one back up they're now having " technical difficulties '' with their lines and they either can not hear you or you are automatically disconnected. 
There is no recourse. Apparently we have to wait to see if and when we will gain access to our money/accounts
Consumer complaint received 2021-04-30
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. (PA)

Credit reports show that account has missed payment/negative month/derogatory remark. I have never missed a payment and creditor agreed to offer a discount for a full payment. I would like the missed payment/negative month/derogatory remark removed from my credit report and score.
Consumer complaint received 2024-10-01
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. (TX)

Hello my name is XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I asked 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 trades commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-05-09
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. (NC)

I have reviewed a copy of my credit report and I show company XXXX XXXXXXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.
Consumer complaint received 2021-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/2021 I attempted to withdraw funds from my checking account via ATM. I received a prompt stating that my banking institution has blocked transactions. I immediately attempted to contact BBVA to find out more about the issue. Can not even connect! The calls are being dropped continously. Please help with this situation. I need access to my money.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has been fraudulently reporting that my student loans have been increasing, causing my score to continue to fall. 
I have been in a repayment contract with XXXX for the last 12 months from XX/XX/XXXX to XX/XX/XXXX. 
I noticed in XXXX that TU reported my loans interest had increased. Then again in XXXX they reported an increase. Both times docking g my credit score for a total of XXXX points. However I have paperwork showing no increase. I contacted XXXX and they replies that they d is not report any increases and sent a letter stating this. I told Transunion amd they did nothing. I submitted the letter along with monthly statements XXXX asked for those points to be reversed. I was told Transunion does not control that number and there was nothing they could do. I tried to file a dispute but I am told that the dispute feature is down every time I try. 
I spoke to the transunion support dept and was told they would file disputes on my behalf, I have the chat log still, they never filed. I currently have no open disputes, when I attempt to file a dispute I am told the system is down or they are having difficulties to try later. Screenshot attached.
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My business bank account has supposed judgement that enforced on XX/XX/XXXX by XXXX XXXX, I have not servered by the debt collector but there was supposed judgement sent to them when I called the county of clerk of courts they told me that no judgement has been served the case has is in processing so they are not suppose to take anything from my account unless a judge ordered it. I contacted bank of America today and ask if a judge had signed off sent the bank a letter saying that they can levy or garnish my money they said no the lawyer for the company sueing sent me them the information so basically where I am confused is how Bank of America took that and ran with with it because the documents that I have shows that nothing was signed off and nothing was awarded to the other side regarding the situation. Then Bank of America sent me a check of XXXX because they didn't tell me what the check was for I didn't know that my account was a not able to have nothing go in or out so I deposit the check back into the account so now I'm they have it part of the legal fees and refuse to cut me out another check.
Consumer complaint received 2021-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXXXX/XX/2020 TransUnion XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XXXXXX/XX/2020 TransUnion XXXX XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX  XX/XX/2020 TransUnion XXXX XXXX XXXX XXXX XX/XX/2020 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2021-04-30
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: Bull City Financial Solutions, Inc (FL)

I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, consumer protection Law firm ( XXXX, FL ) He notice several instances where XXXX  are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX  continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX  did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX  fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.BULLCITY FINANCIAL SOL Original creditor : XXXX XXXX XXXX  {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 2. XXXX XXXX XXXX Original creditor : XXXX  XXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (PA)

i asked DIVERSIFIED ADJ SVC to I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with XXXX accounting principals ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act.
Consumer complaint received 2021-04-29
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. (WI)

Since XXXX I have been battling with XXXX and Equifax about negative information being reported about my student loan accounts. One with XXXX XXXXXXXX XXXX and the other with US Dept of Education. Student loans were in default Last XXXX, since then loans have been rehabilitated in XXXX, they were then Consolidated. The intention with the rehabilitation was that it would pull loans out of default after 10 payments and then all the negative information reported would be removed and loans refinanced showing a positive account on all credit reports. This has not happened, I have been calling 2 times a month since XXXX speaking with US dept of education as well as fedloans, not to mention 7 disputes with Equifax and 5 with XXXX. Dept of Ed loans still show a balance with collection status and fedloans keep reporting past due on all reports. I have also been working with XXXXXXXX XXXX on this and they have not had any luck as somehow the dept keeps getting validated even with the proper documentation. I have attached documentation below to show this, I would not be so persistent but this negative information is preventing me from being able to buy a house.
Consumer complaint received 2021-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TN)

This is the Citibank repeatedly calling me multiple times a day regarding my Home Depot account. I have had ongoing issues for approximately a year now with them not getting my statements to me either via paper mail or online. I have spent countless phone calls and emails trying to correct the situation but they do not have their act together on their end. I therefore have informed them to stop calling me and also that I will not be shopping Home Depot any longer.

The calls continue on a daily basis even on weekends and Sundays.
Consumer complaint received 2021-04-29
Product: Credit card or prepaid 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: CITIBANK, N.A. (GA)

Re : Disputed transaction on virtual account XXXX Merchant : XXXX Date of transaction : XX/XX/21 Disputed amount : {$23.00} Dear Disputes Department, This dispute needs to be re-opened. The merchant has provided proof that the item has been received by the customer. However, upon receipt of the item, the customer found the merchandise to be defective. Congruent with the merchant return policy ( attached ), customer has made multiple attempts to return the item. The merchant return policy states that the merchant will send a postage-paid return label to the customer. However, merchant has failed to provide a postage-paid return label to the customer. 

Please see attached e-mails indicating multiple requests for a return shipping address and return shipping label. Such e-mails have been ignored by the merchant. 

Attachment 1 : E-mail dated XX/XX/21 directed to merchant requesting for a return label Attachment 2 : E-mail dated XX/XX/21 second request for a return label Attachment 3 : Merchant return policy Customer has also called merchant on XX/XX/21 to request a return label. Customer was promised to receive a return label but not return label was sent to the customer in order to return the item. The merchant is not complying with their return policy and hence the dispute needs to be re-opened. 


Please reverse the full amount of {$23.00} back to the mastercard account. 

Thank you,
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My balance was paid in full on the due date, XXXX, but I was charged what they called as " residual interest '' on XX/XX/XXXX for {$6.00}. I requested they remove the interest since the balance was paid in full, they declined stating they couldn't find a reason to remove it. The fact that my balance was paid in full should have been the reason. I spoke with XXXX and XXXX. XXXX stated she was a Sr. rep but there was no one above her that I could speak with. I asked if I would need to end my XXXX relationship with the company over something as simple as their so-called " residual interest ''. XXXX stating I could do want I wanted to do. She was unprofessional and highly dismissive.
Consumer complaint received 2021-04-29
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. (GA)

There are three accounts on my credit report that reflect comments associated with a bankruptcy that is no longer reflected on my credit. Those comments and negative payment errors need to be removed. Experian added that information back to the status/comment section. Its incorrect/inaccurate and UNVERIFIED and these errors need to be removed immediately. The three accounts continue to removed and re-add to my report. It is false inaccurate information. This is illegal and its tiring to have to continue to call, dispute and file complaints.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc. (CA)

This is in reference to the fraudulent transaction that was concocted by XXXX XXXX for alleged unpaid gym membership. My children and I have not been to this gym for more than 13 months. I was a member along with my children of XXXX XXXX. We paid on a month to month basis and all dues were paid. On XX/XX/XXXX, I sent an email to the manager to put a freeze to the account due to coronavirus restrictions. Exhibit 1. ( XX/XX/XXXX email ). 
I received an email on XX/XX/XXXX from the manager saying that even though my family and I were not using the gym and there was a nationwide shut-down due to coronavirus that the accounts will still be charged and will be refunded. ( Exhibit 2, XX/XX/XXXX email ). 
That did not make sense to me. I objected to it and responded that I had not been to the gym for almost a month and I requested again to have my account frozen. ( Exhibit 2, XX/XX/XXXX email ). 
On XX/XX/XXXX, I emailed the manager again as there had been a {$100.00} charge on my bank account even though I had not used the facilities. I asked again for my account to be frozen until XXXX or when it was safer for me to use the facilities. I disputed the transaction and asked my bank to refund the money which it did. ( Ex. 3 XX/XX/XXXX email ). 
Then on XX/XX/XXXX, I received a letter from a credit reporting agency, XXXX XXXX XXXX XXXX XXXX notifying me of an alleged amount of {$1200.00} that I owed XXXX XXXX of XXXX XXXX. ( Exhibit 4 ) .This was a shock to me as I had never once received any bills at my home of any such dues. Believe me, it would have been disputed had I received one. 
I do not owe any money to the XXXX XXXX. I and my family have not used the services since early XX/XX/XXXX and all our monthly dues were paid up until then. 
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have disparaged my name and ruined my credit based on a fraudulent Business Practice of billing unsuspecting gym members to scare them into paying them for services that were not used. 
This is an unfair tactic and a fraudulent Business Practice and constitutes harassment. I am being harassed for an amount that I do not owe and my name and information have been sent to the collection agency and to the credit bureaus thereby ruining my credit and my standing with other creditors. 
I am demanding a retraction that states that XXXX XXXX made an error in reporting my account to the credit bureaus and for a retroactive fix to my credit for all the months that were affected during this period and I want this debt to be eliminated. This retraction should be sent to the three credit bureaus with a copy to me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.