davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: DISCOVER BANK (CA)

I signed up for a Discover credit card through XXXX XXXX. I signed up for the card because they had an offer that stated spend {$1500.00} in the first three months and receive {$200.00} bonus. Anyways, I spent well over {$1500.00} in the first 3 months and received no bonus. Just got off the phone and they said the offer doesnt show on my account. Meanwhile I contacted them one month after I got my credit card, and they confirmed I would receive the {$200.00} bonus after the 3 months ( if I spent {$1500.00}, which I did ). Anyways, I feel scammed by this whole situation and would like to receive the bonus I was promised when signing up.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PLS GROUP, INC (NY)

On XX/XX/year> I bought a money order in the amount of XXXX money order fromPLS check cashing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX. That money order I mail at the post office same day a bought it. But my landlord informed me that they havent received it. I call PLS customer service and request that they cancel that money order are check if it was cashed and by whom. They are telling me to file an affidavit I need the get back that money to pay my rent I dont have no money to pay my rent.
Consumer complaint received 2024-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received an attempt for collections from XXXX  XXXX XXXX, XXXX. Attempting to collect {$340.00} from account number XXXX date stated owed is as of XX/XX/year>. This account number is nowhere to be found on my credit reports and is over XXXX XXXX XXXX past the statute of limitations for collections. I do not know where this is coming from nor do I acknowledge it is mine. I do not want this company to contact me in any way. I am a California resident and I understand my rights.
Consumer complaint received 2024-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION (LA)

When my homeowners insurance came up for renewal it was very expensive, the decision was made to do a split policy between XXXX home for Fire and Liability and stay with the state for wind and hail. They were both to be written on the same day and unfortunately there was an issue with either the state system or the agency. Which put the wind hail policy not being pushed through and bound on the same day. I understand accidents happen and I paid the fore placed coverage amount that the mortgage company put in force immediately, even though there were no losses and it was already fixed with the XXXX. About a month later my house note went up and when I called to ask why they stated that it was because they had to set up the escrow to pay my insurance when they first put the coverage into place, but since it was paid it could be removed ( i don't like carrying an escrow because its all over the place ) Next month note comes in and it wasn't removed so I called again. They stated that it was still short XXXX cents so I paid that and was told it would be removed that it was eligible and approved to be removed. Third months rolls around and it's still on my house note. I called and was told this time around that it now has to stay on for the rest of the loan. So now I am paying my own insurance and still paying for it on escrow which makes no sense whatsoever. I had so much equity in my house when it was bought i never had to carry an escrow and never any issues in the past. A mistake was made and now I am being punished for this for the life of the loan and its just for wind and hail coverage only, nothing else just that. I so was so upset with them that i asked for where it states this and i was told that it was in my loan closing documents. Then I was told to get a letter from the insurance agency stating it wasn't my fault. I am not happy about the back and forth on this and my house note still keeping changing! No one seems to know anything in the escrow department as I keep getting different answers each time, I call with little to no resolution. Can you please help me get a clear answer from someone.
Consumer complaint received 2023-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ASSOCIATED BANC-CORP (MN)

I was defrauded by a company and the bank failed to do a proper investigation protecting my consumer rights. The only thing I was provided was some log of from the company I am disputing. The bank didnt fulfill its duty to understand what had happened and that I was defrauded out of my money. I was scammed into signing up for a course which I understood to be asynchronous at the time of purchase {$2200.00}, which it ultimately was not. By the time I realized this wasnt the case I was told it was too late to get my money back from the company so I filed a dispute with my bank. I also filed a complaint with the AG in the state of California, FTC as well as the XXXX XXXX XXXX. I am now out {$2200.00} because the bank is stating theyre taking the temp credit back that they gave me and the company will not refund my money. I have nothing to show for {$2200.00}, nothing. The bank did also take longer than 45 days to investigate this and I was not notified until today of their decision. Please do the right thing and ensure my consumer rights are protected. I can send the emails i had with the merchant when I was asking for a refund and why. Please reach out to me so I can forward those on to the appropriate party.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently discovered that my creditor failed to provide the required 21-day notice before the payment due date, along with the statement that outlines my balance and due amount. This notice period is critical because it ensures that I have adequate time to review my statement, arrange for payment, and avoid any late fees. 

Due to this oversight, I was not given sufficient time to make my payment on time. As a result, the creditor charged me late fees, and it now appears as though I did not pay my bill when, in fact, I was not given the opportunity to do so within the proper timeframe. This situation arose due to the creditor 's failure to follow the proper notification procedures, and it is their mistake that has caused this issue. 

I expect that, given this error, the creditor will rectify the situation by waiving any associated late fees and adjusting my payment record to reflect that this delay was due to their non-compliance with the 21-day notice requirement, not my negligence.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on friday of XX/XX/XXXX i went to bank of amarica to withdraw funds from my account and they stated i couldn't get my funds because of the it being closed i called the bank and customer service number and ask what and why my bank was closing they stated there was no reason why and that bank of amarica was just going to close it i said ok but can i get my funds and they satated no i wasn't able to get my funds out my account then i called back on monday and they stated that they were still going to hold my funds until further notice and didn't give a reason why behind it ... its been 2 days
Consumer complaint received 2024-06-17
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. (TX)

As a result of ID theft/data breaches in recent years, I have the following inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, that need to be removed from all three CRA 's. I have tried to dispute this date directly with the creditor and got no response after 90 days. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P. (AL)

LVNV FUNDING hid who they represent on my XXXX, The original creditor use the excuse of the pandemic for why they could not work arbitration. They then sold the account to a debt buyer before the pandemic was declared over. XX/XX/year> would have been the statute of limitations in the state of Alabama on the credit debt, but LVNV funding After telling me, they would get back with me a lawsuit, got a default judgment a year after the statute of limitations was over And still refused to talk to me. They filed false documents with the state of Alabama for recording, which is a violation of Alabama state law and is being investigated by the attorney generals office.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (TX)

National Recovery Agency is saying I owe them {$1300.00} and they got this debt from XXXX XXXX XXXX. The only problem is Ive never been to a XXXX  Emergency Medical, Ive been living in XXXX, Texas for 4 years and nothing has been told to me that I owe this money.15 US C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. I believe theres reason to believe this information is inaccurate especially if they refuse to show me records of my debt and when and where it occurred.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (TX)

As a result of ID theft/data breaches in recent years, I have the following inquiries that need to be removed from all three CRA 's . I have tried to dispute this date directly with the creditor and got no response after 90 days. These inquiries need to be deleted from all 3 CRA 's. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX SYNCB/XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX
Consumer complaint received 2024-06-18
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: TRUIST FINANCIAL CORPORATION (OH)

XXXX XXXX, XXXX XXXX XXXXXXXX and LIGHTSTREAM has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> LIGHTSTREAM XX/XX/year> XXXX
Consumer complaint received 2024-06-17
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: SLM CORPORATION (NC)

Sallie Mae Bank XXXX XXXX Sallie Mae Bank XX/XX/year> Both are hard inquires on my credit report that I am unaware of and are not connected to open accounts. I want these inquires deleted because I did not authorize these companies to run my credit
Consumer complaint received 2024-06-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/year> I deposited XXXX checks from my place of employment. The first was for {$1700.00} and the second was for {$710.00}. The first check cleared but and second check for {$710.00} had a exceptional/admin hold place on it. I dont understand the logic because the checks were from the same company. 

I called Truist in regard to the matter and explained my concern and issue because I had bills that needed to be paid. Normally if I deposit check ( s ) on Friday before XXXX the funds would be available by XXXX the next day or no later than XXXX. When speaking with rep I was informed that funded would be available the following day. Now my account shows negative balance It seems like this is an ongoing thing with TRUIST because Truist is holding everyones checks. This is not normal nor is it due to anything we have done. It is faulty XXXX within the company.
Consumer complaint received 2024-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: SLM CORPORATION (FL)

We have been repeatedly trying to remove me as a cosigner from my adut sons loan. He is XXXX XXXX XXXX. He graduated in XX/XX/XXXX and he has been repaying the loans since he graduated. He has provided proof of graduation. He has provided the paycheck stubs necessary to prove he has the income to pay his own loans. His loan payments have been timely. I, on the other hand, am XXXX XXXX XXXX living on a fixed income. The amount that is being reported on my credit debt to credit ratio is impacting my credit extremely negatively. I need to be removed as a cosigner. He is perfectly capable of maintaining his own loans.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MS)

The credit bureau has placed a FRAUD ALERT, SECURITY FREEZE and/or EXTENDED SECURITY FREEZE/FRAUD ALERT on my credit file. I do not want a security freeze, fraud alert or extended fraud alert/security freeze on my credit file.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (HI)

Ive been to an establishment here in XXXX Hawaii several times where the person charging the card has either intentionally over-charged or made a mistake. I notify my credit card company ( Citibank ) of the over charges and they have all but these last two times stopped the payments. The payments total {$4500.00} dollars from the dates of XX/XX/XXXX and XX/XX/XXXX. I spoke with a representative twice who said they are investigating but the charges have not been removed after 2 weeks now.
Consumer complaint received 2019-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (LA)

I received a debt collection letter from TRS Recovery Services at an address where I am building a home. This is not my current address and the bill is not mine. The notice is for an Unpaid Electronic Fund Transfer from Merchant XXXX XXXX and the creditor is TeleCheck. The amount is {$11.00} plus a returned check fee of {$25.00} for a total of {$36.00}. The reference number is XXXX. 
When I contacted TRS, they would not discuss the account or how I was referred to them. They simply sent me to their website to submit a dispute. The person I was talking to only had two months on the job and did not know much. I asked to speak to a supervisor and he said the supervisor told me to go to the website. He then gave me a number for Telecheck. I called Telecheck and spoke to XXXX, ID # XXXX. He was completely unhelpful and told me to call TRS. This is very circular and nobody is willing to provide information on the false debt claim. The person I spoke with at TRS was XXXX XXXX. They are obviously trying to collect on an amount owed by someone else. TRS asked if I can be reached by the number on file and it is a number from New York. I live in Louisiana. I need them to remove this from my record and not have this associated with me in any way.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2024-06-12
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. (GA)

ON XXXX, I MAILED COPIES OF MY FTC REPORT, POLICE REPORT, AND IDENTITY INFORMATION TO ALL XXXX CREDIT BUREAUS REQUESTING THAT ALL ITEMS LISTED ON MY FTC REPORT BE DELETED. ALL XXXX COMPANIES HAVE YET TO DELETE THESE ITEMS. ALL ITEMS LISTED ARE XXXX XXXX ACCOUNTS AND DO NOT BELONG TO ME. I HAVE CONTACTED ALL XXXX BUREAUS AND INFORMED ALL AGENTS THAT I AM NOW NOT HESITATING TO TAKE LEGAL ACTION.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate Account Number : 9871 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX I didn't provide permission for this account to be reporting to my credit report please remove or i will seek legal compensation
Consumer complaint received 2024-06-12
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. (IN)

PLEASE BLOCK AND REMOVE It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your swift attention and resolution of this issue are highly appreciated.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I, XXXX XXXX XXXX, going through a nasty divorce. Somehow back in XXXX XXXX. I reported to my bank of over 20 years, Fifth third bank, XXXXXXXX XXXX That my bank accounts were being accessed. I asked for them to be on hold, until they could figure it out. The gentleman who set up my accounts at that time. About 7 or 8 different ones, was who I went to and talked to for help. I couldn't receive any help, even after turning it in to their fraud dept. They assigned a detective to look at it, and he went back to the bank and ask them to do their job, and then he would do his. He literally told them it was an inside job. I have fault over this since that time, there was never a thorough investigation done. They froze my accounts in or around XXXX. There was funds being transferred from one account to another ... .and the only answers I could get was I don't know, where deposits, Transfers, etc. Went to, even though I was doing all the leg work. I today have still not gotten it settled. They even kept my social security checks ... .I lost everything, couldn't pay my bills, etc. I even told them whom I thought was involved, but nothing was ever done. I would like to know the best way to go to get this resolved. The gentleman who was there when all this happened left after about a year. I was involved in XXXX breach, and never got anywhere with that either. I had a breakdown in XXXX due to everything. I would like to know who to turn to. Sincerely, XXXX XXXX XXXX. XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone used my identity and opened up a XXXX XXXX XXXX credit card. After XXXX investigations. They kept saying I am fully responsible for the balance. The balance is {$660.00}.
Consumer complaint received 2024-06-12
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.