davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
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. (CA)

I recently disputed some accounts they were inaccurate on my credit report. I noticed after the investigation was completed that my XXXX XXXX  card has been blocked from use. This account was not part of the investigation and after speaking with the credit bureaus, they confirm that they had not sent any letters to XXXX to have this account blocked. I then spoke with XXXX, and they said that the account was blocked because the credit bureaus had sent them a letter, I have been going around in circles trying to correct this. 

This account was never in my initial dispute, if any information provided by the credit bureaus to have this account blocked from being used. Please send them the. XXXX they are requesting to have it unblocked from you and there is no fraud attached to this account.
Consumer complaint received 2015-11-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MI)

On XXXX XXXX, 2015 I was booking tickets on XXXX XXXX web site when I was presented a pop-up, that offered a {$50.00} statement credit if I opened a Case XXXX credit card and charged the XXXX ticket to the new card. After several calls to both XXXX and Chase, which resulted in agreement that I should get the credit, followed by letters that state I did not follow some undefined procedure, they claim I am not entitled to the credit. I am still waiting for an explaination of what I did wrong, because the folks on the phone ca n't telll me.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX regarding the misinformation that is currently reporting to my account. They assured me that they are reporting info from their records to the reporting agencies. I am uploading documents showing proof of the inaccuracies that are affecting my credit. 

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account # : XXXX and XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-03-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

I 'm filing this complaint on behalf of a number of SunTrust XXXX XXXX debit and checking account holders. 

SunTrust is violating ethical standards, regulatory standards ( " bait and switch '' ), and their own terms and conditions. Here is why : For some time, SunTrust has been advertising, promoting, and issuing their XXXX debit card. That card, linked to a SunTrust checking account, carries a yearly fee of {$75.00} and gives its holder XXXX XXXX XXXX for every XXXX spent on debit ( pin-based ) and credit card transactions without any limits to the number of miles a cardholder can earn. I have been contacted by many friends and family members of mine who are card- and account holders with SunTrust who have reported the following to me:1. SunTrust seems to be in process of closing all those accounts whose members have earned a certain number of miles through legitimate debit and credit purchases. 
2. In XXXX instance, SunTrust even reached out to XXXX to intentionally reverse and take away from the card member any XXXX XXXX already earned. 
3. SunTrust is not renewing their XXXX XXXX anymore for many long-standing account holders just because they earned what SunTrust considered " too many miles ''. 

In the opinion of a lawyer whom I contacted regarding this matter, SunTrust is clearly engaging in a tactic known was " bait and switch. '' SunTrust lures new customers with their XXXX XXXX Debit card, charges them the yearly fee of {$75.00}, and then, once they become customers and earn a certain number of miles, SunTrust closes their accounts ( or does not renew them ) and in some cases even tries to reverse miles already earned. The lawyer further suggested filing a class action lawsuit on behalf of all cardholders. I 've so far refrained from going that route but I hope this complaint will cause SunTrust to act as follows:1. Stop closing legitimate accounts just because their holders earned above a certain number of miles to which, according to SunTrust 's own terms and conditions, they are entitled to. 
2. Renew accounts in good standing according to your terms and conditions as XXXX XXXX accounts and cards. 
3. Stop trying to reverse miles already earned. 

If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch. 
2. I 'll reach out to the Office of the Comptroller of the Currency, the XXXX and Georgia Attorney General, the XXXX, and other institutions to file additional, regulatory complaints. 
3. I 'll bring to the attention of the media the unethical behavior of SunTrust. 


Sincerely ;
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

BACK IN XX/XX/XXXX i MODIFIED MY MORTGAGE ( W/EXISTING BANK, XXXX XXXX ) AND NOW HAVE DELINQUENCIES OF SEVERAL PAYMENTS ON MY CREDIT REPORTS. UPON MODIFICATION IN XX/XX/XXXX I HAVE BEEN PAYING THE NEW MODIFIED BALANCE ON-TIME EVERY MONTH ( FOR THE PAST 6 YEARS ). THESE DELINQUENCIES SHOULD BE REMOVED.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NC)

I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports.
Consumer complaint received 2016-02-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MN)

I sent in my paperwork to get my free annual credit report. I filled out the form and made a photocopy of my XXXX to send along with it. XXXX and XXXX sent me my credit report right away. Experian instead denied my request stating that the social security number I provided did not match their records on file and that I would have to prove my social security number is correct. 
On the letter there was also a phone number to request a credit report by phone. The number is XXXX. When you call that number it is not possible to actually get through to someone to request a credit report it simply puts you in an endless loop of a computerized system that the only options is for paid services. 
I was able to track down another number for Experian and selected paid services from the automatic menu that I thought would transfer me to a live person. After several attempts I finally found one. The woman I spoke with, who did not identify herself, was able to look up my information and she told me that there is no record that they ever received my request for my credit report or that they had denied my request. What she told me was that they must document every time my report is accessed. So it appears that they just deny every request for a free credit report and implemented a system that would force you to either be very good at skiptracing, a skill most people are n't even aware exists, or to pay for a credit report.
Consumer complaint received 2017-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (AZ)

We have been receiving repeated robocalls all summer from a place called XXXX XXXX XXXX that is reported online to be an alleged debt collection agency with murky practices. We do not owe any debts whatsoever. Our latest call was received today ( XXXX/XXXX/17 ) around noon MST. The recording today ( and each one previously ) does not identify a specific problem, but urges the victim to call back because " this is not an advertising or sales matter '' and describes it as " important. '' Today I called the telephone number back and discovered that a recorded voice gave me two choices : 1 ) if I was " ready to pay my account in full '', I should have my bank card handy to do so or 2 ) I could press 2 to  speak with an operator about the matter. We do not have an account number and we do not owe any money! This is clearly either a scam or they are trying to chase down a collections account from some other person. No matter which situation, I want these telephone calls to cease immediately.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (WV)

Experian states they have verified information that is incorrect. I have called them and am told that all they do is electronically send messages to the creditors who pay to put the negative information on their site and they check yes or no for the verification. This is not validating a debt or address, etc.! There are items that the other bureaus removed that Experian refused to remove!
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (OH)

Tried unsuccessfully to give a creditor temporary access to an Experian credit record on which a freeze had been place. 

- The " PIN '' printed in the letter sent to me by Experian when I put a freeze on my credit is NOT the PIN but rather it is the exact same number as the report number, only with XXXX leading XXXX added. 
- The " PIN '' listed in that letter is XXXX digits long, while their on-line system will only accept XXXX digits. 
- The telephone system seemed to take the XXXX digit " PIN '' and indicated that the freeze wold be lifted for the time period I specified, except I was never asked for a time period and never specified one. 
- There is apparently no way to contact any person to help clear this up. 
- The email address Experian provides to contact customer support ( XXXXXXXXXXXX ) is rejected ( failed delivery ) How is someone supposed to deal with a company that is so monumentally screwed up? How do I transact any business with Experian?
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (HI)

If I pay my mortgage early in the month say on the XXXX of the month, rather than say the XXXX, I should get a little bit extra in capital reduction because for 24 days the principal is lower. It does not happen that way ; I pay interest as if the higher principal existed for the full month. It is only a few dollars per month but it will add up over years. This is especially true if I pay a little extra towards reduction of the principal.
Consumer complaint received 2024-11-01
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: DISCOVER BANK (TX)

On XX/XX/year>2024 I filed an unauthorized ACH charge form with my bank, XXXX  XXXX XXXX. I have attached the form that was submitted on this date. The charges that were disputed were on XX/XX/year>2024 for {$650.00}, XX/XX/year>2024 for {$650.00}, XX/XX/year>2024 for {$650.00}, and XX/XX/year>2024 for {$650.00}. The individual for these charges was named and not an authorized user for my business checking account. The last XXXX digits of the card were also not an authorized card tied to my business checking account. I received confirmation that it was received and would be processed. On XX/XX/scrub>, 2024, I received communication from XXXX  XXXX XXXX for claim XXXX and was informed that the charge would not be recovered due to a contract between the XXXX institutions. I was directed by XXXX  XXXX XXXX to reach out to the merchant, Discover, directly to resolve the issue. I contacted Discover on XXXX XXXX, 2024, and informed them of the situation. After speaking with numerous individuals, I was told that I needed to take the case up with my bank and that they would not work to rectify the funds that were disputed. They were not able to assist even though I had further information. They refused to assist and were not caring about returning the funds that were not authorized. I have a credit card account with Discover that is tied to this account, which makes me believe there was a mistake on their end applying the wrong bank account information to the wrong credit card account.
Consumer complaint received 2024-11-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (AL)

Aafes is illegally garnishing my XXXX XXXXt. Payments was never established when a account was closed XXXX. Bankruptcy was filed by me in XXXX. Aafes failed to validate unsecured debt thru the courts with in alloted time. Court order judgment for me to pay secured debt in the amount of XXXX. Bankruptcy dismissed in XXXX, aafes failed to have the court order revoked and get a new judgment for me to pay full amount for secured and unsecured debt. Aafes started garnishments of my military retired pay XXXX and reports monthly to credit bureaus that I'm behind on payments that was never established. Aafes is illegally garnishing XXXX XXXX pay through dfas and continue to report wrong information to the credit bureaus even though I have submitted the court order, that of account closure and statue of limitation to sue for debt, therefore I believe they are using ilegal tactic to get a debt that is not accurate based on court order and they failure to show up to court to validate debt in a timely manner.
Consumer complaint received 2015-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

EquifaxXXXX is reporting an account that I do not own for collections. I have requested that this information is remove. I believe I need to go back to the Merchant and ask for a refund because after I called the collection agent ( XXXX ) they informed me that this account did not belong to me. The Collection Agency has a request for deletion of this account with XXXX credit companies. XXXX deleted XX/XX/XXXX & Equifax deleted XX/XX/XXXX. Please request an immediate deletion of this error immediately. This has cause my credit score to decline. Thanks.
Consumer complaint received 2017-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

On Thursday XX/XX/XXXX XXXXXXXX XXXX CDT, I wired {$5000.00} from my bank account to the Coinbase Intermediary bank, XXXX XXXX XXXX in New York. I sent this wire from XXXX XXXX XXXX in XXXX XXXX Texas. The following day, XX/XX/XXXX Coinbases intermediary bank, XXXX XXXX XXXX in New York, confirmed receipt of the wire transfer and confirmed that it had been credited to Coinbase, under the correct instruction ( XXXX ). I can provide you with any documentation needed to verify this information I have made no less than 6 attempts to contact coinbase through their customer service portal with no response at all. I also tried to call the company but there is no phone number provided to make contact. I then Emailed directly to their " wire transfer '' department on Saturday XX/XX/XXXX and again NO response. This wire transfer is supposed to be immediately credited to my USD wallet in my Coinbase account. It is Monday XX/XX/XXXX and I have not gotten my money credited. I had a time sensitive business purchase to make on Sunday night XX/XX/XXXX and there was a one hour window for me to complete my purchase through my Coinbase account. My Company missed this purchase opportunity and now it will cost me 10 's of thousands of dollars in revenue. I have read at least 50 postings on various websites and forum 's where Coinbase appears to be deliberately withholding customer funds on wire transfers. Coin base is operating in the USA as an " Exchange " and is governed by US securities laws. This situation looks dangerously like " wire fraud ''. Thank you for any assistance you might provide in helping me recover my misappropriated funds.
Consumer complaint received 2024-10-13
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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2015-11-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

IN CFPB COMPLAINT # XXXX, IN THE " EXPLANATION OF CLOSURE '' EQUIFAX says '' the date closed was updated to XXXX and the date of last activity isshowing XXXX ... XXXX '' yet both are blank on the attached, named, subsequent report. 
In addition the actual payment amount and scheduled payment amount are reporting XXXXwhich is obviously erroneous.I allege XXXX details of reporting in an attemptto hide penalty fee violations of the XX/XX/XXXX CREDIT CARD ACT on this account. 
EQUIFAX according to FCRA IS NOT PERMITTED TO REPORT AN ACCOUNTthat is obviously erroneous and incomplete on the face of the record, regardlessof a creditors reporting.EQUIFAX LIED TO THE CFPB and the proof of that is attachedhere.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (RI)

I opened a Citi Gold Checking account in XXXX, XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX Thank You Points ( worth approximately {$500.00} ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account. 

I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus points will post within XXXX statements of completing the requirements ( which would have been XXXX, XXXX ). 

It is now XX/XX/XXXX, and I have paid {$90.00} in monthly fees to Citi, and Citi has not upheld its side of the promotion. Citi now claims that I was never eligible for the promotion, and requiring that I provide proof ( which was a postcard mailed more than 6 months ago ). I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. 

Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. 

My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (FL)

I paid off the loan for my vehicle by refinancing it with another bank. While the payoff check was being processed I had a autopayment withdrawn from my account for {$1000.00}. As a result the vehicle is now paid off with a negative balance of {$1000.00}. I have contacted Ally Financial several times to receive a refund cheque and am told each time to just wait longer. There seems to be no movement on the refund at this time. I was held to a standard to pay my car payment on time, and I did every month, I would like a refund in the same fashion.