davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

A scammer through social media scammed my from my social media XXXX of XXXX dollars. I filed a police report and the detective inactivated my case. The case number was XXXX. I filed a dispute twice with the bank twice and was denied. I also filed a dispute with XXXX XXXX and was also denied. My truist account number is XXXX and my routing is XXXX. My XXXX XXXX XXXX account number is XXXX and my routing number is XXXX. The suspect or scammer XXXX profiles name profile XXXX XXXX account is XXXX and the routing number is XXXX by the owners name was XXXX XXXX but it may possible may not be an owner or unkown XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Truist XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal trade commision case number XXXX XXXX The detective who supposed to be assigned is detective needles. XXXX XXXX  and XXXX only protect from scams or frauds but doesnt protect you once youve become one. I want an investigation as soon as possible
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service (MI)

In XXXX of XXXX I received a bill for XXXX from military star aka AAFES. I contacted them and was told I would need to provide them with a police report, which I did. I provided two of them actually. One from Michigan state police and one with the sheriff 's department. As I am a XXXX  on XXXX  my movements are monitored ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also attending a school at the time the account was opened so my where abouts are verifiable ). In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as this is where my charges orginated and I was unable to dispute this until XXXX when they released me again. 
I asked for proof of signature that the goods where delivered to my house ( things are always delivered to wrong addresses there ) but they do not have one. Who sends XXXX of goods with out getting a signature? 
Since then they have told me the police reports don't matter as they have a picture of a door with boxes in front and also because I know my address I am responsible. Also the amount owed has grown from XXXX which they tell me was the maximum credit limit to almost XXXX in XXXX  months!!!!. I have limited resources as I am currently homeless living in transitional housing. They are taking my social security ad well. I have contacted the state consumer protection and they can't help only negotiate. The ftc won't help. I do not know where else I can go. How does an account triple in XXXX  months? I have put fraud alerts out as well. Please help as this is growing as we speak and I can not afford to pay for something I did not order. At its current pace of growth I can not get out from under it ever.
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I did a mobile deposit to my bank ( Bank of America ) on XX/XX/XXXX of {$520.00} And then made another deposit on XX/XX/XXXX for the same amount of {$520.00} on XX/XX/XXXX the bank deducted {$520.00} of my account because they stated that it was a duplicated check i called the bank. And they inform me that the system made an error and read the check wrong they will put a claim and put the money back the next day XX/XX/XXXX and the money was never put bank i have called the bank multiple times and they tell me a diferent story today i called XX/XX/XXXX and they told me that there nothing they can do but the bank has my money
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I received a virtual credit card from Goodyear tires on XX/XX/2023 for {$100.00} Exp XX/XX/2023, the term to spend the money was too short and when I asked to extend the Exp date they refused. I followed all the terms to meet the requirement but didn't have enough time to use the credit.
Consumer complaint received 2024-03-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing a complaint against Capital One regarding my credit card account. I have had a restriction put on my account for the second time. They are stating that they feel like this account was opened fraudulently. I already sent in documentation : drivers license, social security card, utility bills, and contacted them multiple times to confirm that I in fact did open this account and that is it valid. Then they said that the restriction was because of a payment for {$120.00}. So, they asked me to send in my bank statement and I did that. They also changed the address on my account without my knowledge or authorization and have been sending correspondences to my old address stating the same issue of them feeling that this account is fraudulent. Then they sent a letter stating that once they have received my bank statement proving ownership of the account they would remove the restriction. I confirmed with them that they received the requested documents but they are still unwilling to remove the restriction. They keep giving me the run around. They are very unprofessional and rude. They keep giving me different reasons why they cant remove the restriction. They have told me that they need 7-10 days to review and its been well over that amount of time. So, the account is just at a standstill. I cant use the account at all. Everything they have asked of me I have done and they are not doing their part. This is my credit and they don't care. They keep you on hold for long periods of time and then just hang up on you and put notes on the account that the customer disconnected the call. That is a lie. They are doing things how they want to and aren't following the proper protocol as they should be. They feel like since they are the credit card company they can do as they please. That's not right and its not fair. I have validated this account multiple times already. So it shouldnt be any question about this account at all. I am getting stressed out having to deal with them, and nothing is being done. I should be able to use my account, that I opened without any more hassle. But when you ask for the corporate number they tell you that they either don't have that information or cant give it out. I am sick and tired of going through this with them. I should not have to deal with this and my account should be fine because I have done everything they have asked of me to do. These creditors need to be held accountable for how they treat customers and its just not right for them to be able to get away with treating a customer this way.
Consumer complaint received 2023-03-29
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. (CA)

I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late
Consumer complaint received 2024-04-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NJ)

I was advertised by Chase that if I opened a XXXX XXXX Credit Card, I would receive a new user reward of a {$250.00} statement credit as well as XXXX XXXX XXXX miles if I spend {$3000.00} in 3 months. Upon opening the account, I have received only the XXXX miles, I did not receive the {$250.00} statement credit as promised. I called the company many times and they keep telling me different things and wont give me the {$250.00} credit.
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Processing Group, LLC (AL)

Received multiple calls personally and left no messages. They have also called one of my relatives repeatedly. My relative finally answered and they stated they were trying to locate my where abouts. He called me and gave the name of FMR and their phone number. When I called back and spoke to someone he spoke very fast and told me this was an attempt to collect a debt. And asked me if my last 4 of my social and then stated 4 digits. When I told him I refused to verify that info since I was no familiar with the the company he said well it's just the last 4 and then I said will not give verify that info he told me he wouldn't be providing me with any info and to call back if I wanted it and then disconnected the call. He would not attempt to verify anything else and would not explain to me why he needed just that federal law requires him to get that info.
Consumer complaint received 2024-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC. (WI)

In XX/XX/XXXX I opened a SoFi checking and savings account following a {$300.00} direct deposit promotion. I had my employer switch my direct deposit to my new SoFi account and fulfilled the terms of the promotion by depositing over {$5000.00} within 25 days. After not receiving the promotion within the timeframe advertised, I contacted SoFi on XX/XX/XXXX who informed me I did not qualify for the promotion because my employers direct deposits are not actually direct deposits but regular ACH deposits. This is incorrect. 

My employer uses XXXX, a payroll provider who pays me biweekly via direct deposit ( see attachment ). I informed SoFi of this on live chat and on the phone. Live chat was unhelpful with significant language barriers. The phone rep offered to escalate the situation for review by another department. I contacted SoFi again after not hearing anything for a week and was told they were still looking into it. Despite repeated attempts to follow-up, I have not received any updates for over two weeks. 

This is deceptive marketing. SoFi is luring new customers in with promotional offers they refuse to honor. Please find attached ( 1 ) the terms of the promotion outlined on SoFi 's website, ( 2 ) an email from my payroll provider confirming they issue direct deposit, and ( 3 ) an email from an account manager at SoFi insisting otherwise.
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (ID)

I am on the XXXX repayment plan. I should only be paying XXXX every month. I am being charged an additional XXXX every month on top of my XXXX. I show none of these payments on my student load page. I called Aidvantage and they do not show those payments on their end at all.They even told me that the money that is being taken out is not even being paid towards the balance of my loan. The Customer Service Rep and I have no clue where these payments are even going.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Account # in Dispute : XXXX I have asked for a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance. 

Experian finished the investigation and never closed the dispute after 60 days which is a violation of 15 U.S. Code 1681i. The account is still incomplete and shows inaccuracies. 

XXXX finished their investigation, and the account is still incomplete and shows inaccuracies. 

According to 15 U.S. Code 1681i " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer ''. 

I have attached proof that this account is still incomplete and inaccurate. This account should be deleted immediately. 

XXXX XXXX XXXX attachment is before the reinvestigationXXXX XXXX XXXX XXXX attachment is after the reinvestigation**
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TN)

I have had a few credit charge cards opened up in my fraudulently. 
One was sent to collections for the amount of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ( Comenity Capital Bank ) and the amount that was charged was XXXX. All of these were opened up online.
Consumer complaint received 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Lugano Capital, Inc. d/b/a Start Auto Finance (FL)

I got a loan from start auto finance they approved my loan. I paid my entire down payment including my first car note. I received my hard plates along with my registration. XXXX XXXX is hiding documents conspiring with the dealer. If you look at the reviews on XXXX and XXXX its the same story over and over. Shes stealing Money and now trying to steal mine. They have reported my loan to the credit bureau and its now on my credit. How is this possible if they didnt pay the loan? Shes committing bank fraud because they are saying Im in default when my contract is clear! I put XXXX down and also paid my first car note! Im not sure how the Feds have not investigated this company yet due to all the claims of fraud and document concealing but this is illegal. I demand my down payment back. How did they not pay the loan if I got all my plates, registration, reported to the credit brureus, and paid my car note. All the claims on XXXX and XXXX are not lying shes committing fraud.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc ()

There are four open transactions all from the Affirm Inc . In the amounts of {$610.00}, {$120.00}, {$120.00}, and {$110.00}. 

I don't have an Affirm account. I don't own any affirm cards or never had a loan from them. I have been living in XXXX since XXXX I would have never gotten approved for an account because I don't possess a valid XXXX phone number. 

These transactions were not made by me and I had no knowledge whatsoever of these purchases. These transactions need to be removed immediately from my credit report. 

I also would like to receive all information regarding who made these transactions and the details surrounding each event. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (FL)

XX/XX/2023 Inquiry XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry ALLY FINANCIAL XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XX/XX/2023 Inquiry XXXX XXXXXXXX XX/XX/2023 Card over limit XXXX XXXXXXXX XXXX XX/XX/2023 Potentially negative XXXX XXXX  XXXX XX/XX/2023 Public record XXXX XX/XX/2023 New address XXXX  XX/XX/2023 Public record XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXXXXXX XX/XX/2023 New account XXXX XXXX XX/XX/2023 Potentially negative XXXX XXXX XXXX XX/XX/2023 Public record XXXX
Consumer complaint received 2023-08-02
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. (CA)

acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is equifax, did not modify or removed anything.

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Equifax violated my rights. 

Never missed a payments : 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 2024-03-13
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. (NC)

The following accounts keep showing on my credit report after i have informed these people that the information in erroneous, inaccurate, and unfair practices. furthermore at this point it has been a breach of privacy and has done severe harm to my credit worthiness. 1.This account XXXX is showing over 15 inaccuracies across these companies and according to the FCRA all accounts must be 100 % accurate or it must be deleted. this account is showing Open with some companies and closed on another, also this account on one of these companies has it marked as paid from XX/XX/XXXX- XX/XX/XXXX on another it has charge-off from XX/XX/XXXX- XX/XX/XXXX, and the last company shows no data at all. The last active dates are all different one being XXXX XXXX XXXX. Due to these inaccuracies and extortionate ways it has violated my rights as a consumer. Also 15 U.S.C1681 section 602 A. states I have the right to privacy. 15 U.S.C1681 section 604 A. section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C1681c. ( ax5 ) section states, a person shall not furnish any information relating to any consumer reporting agency if the person knows or have reasonable cause that the information in inaccurate. Due to these issues on my report. it is a defamation of my Character.
Consumer complaint received 2023-04-28
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. (NY)

As of XX/XX/XXXX this company continues to report multiple inaccuracies to all three credit bureaus monthly such as account status, highest balance, account ratings, last verified, payment status I have asked to investigate the multiple inaccuracies numerous of times and in return the company responds of a print out of stating the account is accurate or updated with inaccuracies still I have reached out to this company several times since XX/XX/XXXX to try an fix this issue
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

XXXX and XXXX have reported inaccurate and incomplete credit information. 

This account was paid in full prior to XX/XX/2017. 
I am asking that this account be verified or removed immediately. 
Target # XXXX Thank you.
Consumer complaint received 2024-04-08
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. (MO)

I am writing to file a formal complaint against Experian regarding their refusal to process my dispute despite providing all necessary documentation. This situation violates consumer protection laws, and I am seeking assistance in resolving this matter. On XX/XX/year>, I submitted a dispute to Experian regarding inaccuracies on my credit report. I provided all required documentation to support my dispute, including copy of bank statement and drivers license. However, Experian has refused to process my dispute, claiming that I did not provide the necessary information. This is untrue, as I have proof of submitting all required documentation. Experian 's refusal to process my dispute is not only frustrating but also damaging to my financial well-being. As a consumer, I have the right to dispute inaccurate information on my credit report and expect credit reporting agencies to handle disputes in a fair and timely manner. I urge the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Experian for violating consumer protection laws. I request that Experian be required to process my dispute promptly and accurately, and that measures be taken to prevent similar incidents from occurring in the future. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.