davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (FL)

Hello good morning. I logged into my Regions bank account on XX/XX/year> and seen that there were charges made that were not authorized by me. I was super confused because they were only transactions for XXXX each From a company that said XXXX XXXX XXXX XXXX. I assumed that it was a mistake because I had Misplaced my card and I Havent been using it so there shouldnt be any charges on the card. So I called my regions bank. Customer service to report the charges as fraudulent. When I logged in again on XX/XX/year>, I see that my account was negative - {$190.00} and there was another pending transaction from the same XXXX  company whatever that is but this time it said XXXX XXXX for XXXX. But since that one was still pending, I had to wait until it had posted so that I can report that one as fraud as well. I have no idea what XXXX means or what the company is. There was also another charge for XXXX XXXX  from a company that said XXXX. For XXXX as well All of these are from the same company it looks like or platform. After I reported all of this, I was told to wait up to 10 business days for the claims to be resolved and for my account to be credited. But when I went back to the customer service to check on the status of my claims, I was told that one for XXXX XXXX was denied because they claimed that I had authorized the transaction. I explained to them why would I make a payment for XXXX XXXX  just for it to say {$200.00}? That literally doesnt make any sense. and it is obvious fraud. The transactions were pending at XXXX XXXX  and XXXX XXXX  and then when they posted it said {$200.00} added onto whatever sent was deducted when it was pending. I literally need my money back. I am unable to pay for food and bills and everything. And they are basically holding my money. My account is literally negative almost {$400.00}. Also, all of these are literally the same charges, but they are telling me that the XXXX claim for XXXX Is the only one that they deemed fraudulent. But how is that? The only one deemed fraudulent when all of these are literally the same company I literally reported that one when I reported the other ones. I feel like its complete XXXX  because they are willing to reimburse me XXXX XXXX but they dont want to reimburse me the {$400.00} that is also fraudulent? I need my money and I have proof! They are literally asking me to provide other documentation, but how the heck am I going to provide documentation For something that I was not aware of did not authorize that literally doesnt make any sense.
Consumer complaint received 2024-06-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Upstart Holdings, Inc. (NJ)

Received letter for a civil service suit about a loan that I assumed was AUTOMATICALLY being paid. There is 2 accounts with this company and they stopped taking funds for one of them but faithful for retrieving funds on the other. Never received notifications or anything from them about the situation, just checked yesterday when I went online that they sold my information to a 3rd party company who now have my personal information and apparently want to sue me for a whole other amount.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

I am part of the Simple to BBVA transition. For XXXX  days I have been unable to access my bank account. BBVA USA 's servers were overwhelmed by the number of people trying to transition to BBVA from Simple, and in the process of registering for my account, my account was locked due to system errors. When I call the phone number to go through the automated process to unlock my account, it tells me that my action can not be completed. 

BBVA 's solution is for customers to call the customer service call center. The center, which seems to be outsourced to multiple locations where people get all sorts of different answers, is overwhelmed, resulting in unreasonable wait times, people getting disconnected, and general mayhem. BBVA 's response to this? Adding two hours to customer service call center operating times. That's it. I have been patient, yet BBVA has been completely mute about the issue. 

No emails. No phone calls, and there's barely even any communication on social media. What little we've heard from the company is that " Accounts are fine. Debit cards and checks still work. '' This is horrendously misleading and is at its core an outright lie. The vast majority of Simple users are LOCKED OUT of their accounts, which means that our cards are unusable, as are automatic payments and deposits and anything associated with our accounts. We can't get through to customer service on the phones, and this entire situation is due to gross negligence on the part of BBVA, which knew about this transfer for months. 

I found out through XXXX that people are calling random local BBVA USA branches to find anyone willing to help them do a password reset to unlock their accounts, but for most of these users, they were soon locked out of their accounts again. And frankly, finding work around like this is NOT our responsibility. The company has a responsibility to be communicative about these issues and come up with solutions or at least communicate what solutions they are working on. 

And, although I am not impacted by this next point, we Simple users were assured before the transition occurred that our routing numbers wouldn't change. They have. BBVA decieved users by making it seem as if this transition would be seamless. 

I am utterly shocked and outraged that this company continues operation and that no regulatory agencies have made statements about this. There's already talk of class action lawsuits floating around on XXXX, particularly from those most affected by BBVA 's negligence. 

Fortunately, the majority of my money is in another bank, but my experience with BBVA makes me question whether the banking system is even solvent anymore. It's ridiculous, and I really hope that BBVA begins working on actual solutions, or at the very least hire a PR firm to help them communciate with customers and additional technology employees to work on the backlog of issues they're dealing with, which have already cascaded into a national news worthy disaster.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am writing to formally address the ongoing issue of debt collection regarding an alleged debt from 7 years ago. I want to emphasize that I do not owe this debt, and as such, I find the repeated threats and harassment from your end unacceptable. The continuous stream of phone calls, which borders on harassment, has caused significant distress and inconvenience. 

I hereby request that all communication related to this matter cease immediately. According to the Fair Debt Collection Practices Act, continued communication under these circumstances could result in a violation penalty of up to {$1000.00} per call I expect this matter to be resolved promptly and professionally. 

Your cooperation in this regard would greatly be appreciated.
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NV)

This company Allied collections has no business or account with me. I see on my credit report Allied collections is reporting some type of debt, im not familiar with the original creditor but this is not my account nor is it my liability. Allied collection blatantly disregard the rights and protection and requirements under the FDCPA. Allied collection is required to provide notice or some type of communication with me before reporting any debt. Allied collection never gave me any notice of the collection account and they never provided me with any disclosures or my right to dispute the debt. Allied just passively started reporting the debt on my credit report which is against the FDCPA. 

Allied collections is using unfair and deceptive debt collection practices by reporting this fraudulent account on my credit report without first communicating with me the consumer. It is unfair and deceptive for Allied collections to report an unverified account on my credit report without first giving me the chance to dispute the debt. This unfair tactic is called debt parking or passive debt collecting which is in violation of the FDCPA.
Consumer complaint received 2023-09-20
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

I am in the process of cleaning up my credit matters with all 3 credit bureaus. I found a few hard inquiries that was not authorized by me. 

Target FINTDXXXX XXXX on XX/XX/year>
Consumer complaint received 2024-06-06
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC (LA)

XXXX XXXX keeps selling this Debt that was paid off. This is my second time disputing this with your company now they have sold it to a new debtor credit control and they emailed me telling me to send them {$340.00} and gave me, a website to log into I know nothing about this company. I never gave XXXX XXXX authority to sell a debt that I have paid off or to contact me. I contacted XXXX and told them to stop harassing contacted me. I told Credit the same thing, and I told him that I was writing the CFPB And the other three major credit bureaus with this complaint, I never told XXXX to sell distrib or grant them permission to give someone my email address, phone number or Home address and have them to have someone to contact me about this situation. I am highly upset.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.
Consumer complaint received 2024-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnish this amount that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5-step validation procedure which makes this unfair practice. According to the FDCPA, l 'm entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-06-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SY. They are a collection company. I don't know that creditor. I have sent more than 20 letters disputing that debt and to this day they are violating the law every time. The amount is {$10000.00} and my credit report has this stains. This situation is damaging my credit, affecting my ability to obtain loans or credit in the future. Including this debt on your credit report is neither accurate nor fair. It's a negative stain on my Credit report.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (SC)

Account included in bankruptcy- the customer service rep stated they TD Bank systems do not talk to each other - fees were assessed during bankruptcy why the information was not posted to both systems. Payoff given of {$420.00} XXXX payment. Received next day - as of today it has not been posted. No one will return a call or update the file
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Below are the accounts in question : Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX Date Opened : XX/XX/ Reason for dispute : Identity Theft/Fraudulent Account Amount : {$17000.00}
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NY)

XX/XX/XXXX my account was restricted. I spent {$40.00} total to buy crypto for a gambling site called XXXX. Maybe this caused it, I don't know, even they don't know fully why they restricted my account. Called two times already, they tell me " check the app '' XXXX says that other people have this issue and the same thing happened to them for MONTHS. I already waited 2 weeks for checks and debit cards for XXXX to process, missing my summer class registration, I don't have the patience for more money hostage games with SoFi.
Consumer complaint received 2024-07-30
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)

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
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 2024-06-05
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: TD BANK US HOLDING COMPANY (TX)

I am writing with grave concern over a derogatory rating that has appeared on my credit report. This inaccurate negative mark is already causing me significant financial hardship and emotional stress. Due to this erroneous rating, I have been denied a recent loan application and seen interest rate hikes on my existing credit accounts. I can not overstate the detrimental impact this is having on my finances and wellbeing. 

I am formally requesting that you take immediate action to remove and block the improperly reported derogatory information from my credit files at all three major consumer reporting agencies, as mandated by law. I expect you to promptly delete these inaccurate negative entries within the legal timeframe requirements.
Consumer complaint received 2024-06-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (WA)

I purchased a prepaid XXXX  debit card valued at {$400.00} on XX/XX/year> from a local grocery store. I had issues activating it on their provided website, prepaidgiftbalance.com, so i called them at the provided number to get it activated. The man I spoke with said the card had been activated. 

I attempted to make an online purchase, but the card did not work. I called again the following day, XX/XX/XXXX. Again, they said the issue was resolved. Again I was unable to use it online. I later attempted to use the card to buy groceries at the store I bought it from, but it was declined. I made another phone call on XX/XX/XXXX talking to a later for 25 minutes, where they informed me that the entire balance was used at XXXX for a purchase, which I did not make. I was never able to use the card to begin with. 

I opened a fraud claim with them, which they said could take months to resolve. They requested I fax more information to them, which I tried but the link the lady gave me never worked.
Consumer complaint received 2024-06-05
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

on XX/XX/year> i had {$300.00} transfer from money network which is prepaid card for my XXXX from XXXX  to XXXX XXXX XXXX, h However I mistakenly provided the wrong account number. Result that transfer did not bounce back and the credit was not returned I have been requesting a refund since XX/XX/XXXX but have received no resolution I kindly ask for your assistance as {$300.00} is a significant amount of money for me being on XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX is reporting that I was late on my payments for 60-90 days but I have proof payment was made in advance for the months they are claiming, payment was not received. I contacted them over the phone and they informed me they can not do anything about it or make changes since it is already being reported. 

I have written to XXXX, XXXX and Transunion, for the past seven ( 7 ) months, regarding the inaccurate information they are reporting on behalf of XXXX XXXX about my payment history. The three bureaus are reporting my payment history as Current, was past due 60 days OR Paid or paying as agreed but reflects the inaccurate missing payments, still, under section two-years payment history. 

I have sent out over three letters asking to validate debt and providing letters with proof of payments. This is effecting everything from buying a home to my health. I really would like to get this resolved. My account is still open. 

Late payment is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX but those payments were made. 
XXXX payment was made on XXXX XXXX XXXX XXXX XXXX 
XXXX payment was made on XXXX XXXX XXXX  but my minimum payment of {$30.00} was made XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.