davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (WA)

Before XX/XX/year>, I was not even a customer of key bank. 

On XX/XX/year>, I was advertised that I could earn XXXX $ for opening a new checking account after direct depositing XXXX $ within 3 months. And I could earn XXXX $ for opening a new savings account after bringing XXXX $ new money and keep for 3 months. Therefore, I visited the local branch located at XXXX XXXX XXXX WA XXXX and opened XXXX XXXX  checking account and XXXX XXXX XXXX  savings account. 

After that, I direct deposited XXXX $ payroll into my XXXX  checking account. For the savings account, I realized I did not have XXXX $ in hands so I visited the local branch located at XXXX XXXX XXXX WA XXXX again and closed my savings account. I double checked with the banker that since the account was so new I could still open a new savings account in the future after I have XXXX $ in hands. And I would still be eligible for the XXXX $ bonus. 

On XX/XX/year>, after earning XXXX XXXX I visited the local branch located at XXXX XXXX XXXX WA XXXX to open the savings account. The banker helped me to open a new XXXX XXXX savings account and confirmed he inputted promo code to the savings account. After that, he advertised me to open a select checking account. I declined but he said I could earn XXXX $ bonus every year after direct depositing XXXX $ per month. I then agreed to open the select checking account. He suggested me to close my smart checking account because I won't need XXXX checking accounts. I asked him to make sure I would have promotion bonus associated with the select checking account and agreed to close my smart checking account. 

After that, I direct deposited more than XXXX $ per month into my select checking account and transferred XXXX $ into my money market savings account. 

I called the banker several times to make sure I was eligible for promotion bonus for both of my accounts. He asked me to rest assured and just wait until 3 months has been passed. 

On XX/XX/year>, I chatted with an agent in the mobile app and asked for my bonus status. She checked and then told me I was unqualified for the XXXX $ bonus for my checking account but I was qualified for the XXXX $ bonus for my savings account. I told her this was unfair. She then asked me to contact my banker. 

On XX/XX/year>, I called my banker and the banker told me unfortunately I was ineligible for any of the promotion bonus. I was astonished. I have been waiting for the XXXX $ for half a year. The reason they gave me was that I was not a new customer when I opened these XXXX accounts. 

I did everything the banker asked me to do and then I got nothing. The banker admitted there was some miscommunication but it is not my fault. I just want the bonus.
Consumer complaint received 2024-01-26
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)

I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please assist me in regards to some negative items that are showing on my report, i already provided the 3 documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.
Consumer complaint received 2024-07-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

Ive requested on several occasions for the company to provide a validation of debt. Each time the company provides information from XX/XX/year>. They are illegally validating what the consider to be proof from XXXX yrs ago. 

The company is obligated to provide up to date information/validation. The company suggested to me that they dont have to provide current validation. 

I am demanding current validation from the creditor.
Consumer complaint received 2024-01-26
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. (NC)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XXXX, XXXX I applied for a Mortgage to purchase a new home. Upon receiving a copy of my Credit Report, I noticed that I was being listed in Collections from a company named XXXX XXXX, from an old XXXX account. I contacted XXXX XXXX and informed them that I had NO KNOWLEDGE of this outstanding debt with XXXX or XXXX  XXXX. Because I had never previously opened an account with XXXX XXXX XXXX. On XX/XX/XXXX I sent XXXX XXXX a DEBT VALIDATION REQUEST via Certified Mail. This Request pursuant to The Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Stating that I am disputing this claim and Validation is required. This request allows a company 30 days to respond. They have not responded to date. XXXX XXXX ( XXXX ) days later ( See Enclosed ) Since XX/XX/XXXX, I have done everything humanly possible to get this company to remove this Fraudulent Account from my credit file. I have called them numerous time. and getting through is a task within itself. Minimum wait XX/XX/XXXX minutes. ( See Enclosed Screenshots ) I have filed a complaint with Identity Theft .Gov. In XX/XX/XXXX, I have also Filed A Police Report ( See Enclosed ) This Fraudulent account on my credit file has caused me nothing but grief. I am being penalized for a debt that I did not incur.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

I filed a dispute on XX/XX/XXXX and XX/XX/XXXX for multiple transactions that were made that I did not authorize. After waiting XXXX days, credit karma gave me a XXXX XXXX on XX/XX/XXXX. A customer representative told me over the phone that the final credit would be posted to my credit karma money spend account on XX/XX/XXXX. XXXX XX/XX/XXXX credit karma withdrew {$540.00}. They made my account $ XXXX. I contacted them and they said that the merchant coinbase sent them sufficient documents stating that I authorized all the transactions. So credit karma took back my final credit. Maybe if it was a provisional credit but this was a final credit they gave me. CK told me to contact merchant so I did and coinbase said they didn't deny my disputes they said they sent me an email on XX/XX/XXXX stating that the transactions were unauthorized. They also sent me another email stating the same. They told me to send those emails to CK so I could get my money back. When I told them that CK us denying the disputes because of the documents the merchant sent them. XXXX told me that that wasn't true because they don't send any documents to the bank they strictly work with the customers. So coinbase is denying those documents! The documents that CK sent to me are fake. So they keep denying my dispute over fraudulent documents. I have repeatedly appealed my disputes and CK keeps denying it. I want my money back. CK customer service is a joke they never have any answers they don't intend to help any of their customers and after all that they closed my account and now it's affecting my credit score. On XX/XX/XXXX I received an email from credit karma that a deposit of {$230.00} is available in my closed credit karma money spend account. So how did they expect me to withdraw those funds. They said they went ahead and made that deposit to take care of the negative on my account. I received another email saying my account is $ XXXX. So they expect me to make a deposit to my closed account!!!!!!!!!!!! 

My accounts negative because they withdrew the final credit I never received any notice About the withdrawing my funds
Consumer complaint received 2024-08-06
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. (MN)

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX  - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX - XXXX - FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX  - XXXX - Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend (FL)

I was going through a rough patch in my life I needed a quick loan for a lawyer and I found maxlend. Quick and polite people, now I found out my apr is 588.38 % .Telling me I cant have any type of lawsuits. Ive already over XXXX for a {$1200.00} loan barely a dent was made.These people rob the poor and take advantage .Everyweek money is taken out .Predatory loaning at its best.
Consumer complaint received 2023-06-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: MAS FINANCIAL SERVICES, INC. (CA)

Received an excessive amounts of phone calls, voicemails, text messages and a photo telling me the vehicle has been tracked, and once they retrieve the vehicle they will make sure Im never able to get it back. But the car has been picked up by a tow truck back in XXXX XXXX and Ive still received calls and messages when the vehicle has no longer been in my possession.
Consumer complaint received 2023-12-13
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$9500.00} ; XXXX XXXX XXXX : {$1400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I tried to contact deposit my work check from the XXXX XXXX XXXX. They held the funds for 7 business days even after going into my local branch and calling truist call center. I verified my identity and my job. After sending all this information. They said there is no way to contact the investigator, we would just have to wait for their review date. When I called at the end of the review date I found out they extended another day when no description of why. At this point it feel like retaliation for calling and questioning their action. Now they have my initial check of {$1300.00} and since they locked my account they also have my {$190.00} overtime check with another paycheck coming on the XXXX. I first deposited the check on the XXXX they said the hold would be lifted on the XXXX. Now its the XXXX with no answer, they just told me to call back later.
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (MD)

Hello, we are sorry to contact you in this way. I contacted you via email but received no valid reply or no response at all. I found out that the account has been deactivated and bank transfers have been suspended for XXXX. I have completed the cooperation with the information request. Your promise to your clients is that you will review accounts within 1-2 business days and release funds within 90 days. Deadline XXXX Why havent I been reviewed or proactively contacted by email so far? Have my unfrozen funds been unfrozen? You delayed the review until now. what is the reason?
Consumer complaint received 2024-04-14
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)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-01-26
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. (GA)

XXXX XXXX XXXX account # XXXX, XX/XX/2022 In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (MD)

I am showing late payment on multiple of my accounts on my credit report, I would like this verified & these negative items moved off my credit report. 

Below are the Account Holder Name and Account # XXXX : XXXX XXXX XXXX XXXX - XXXX ( XXXX & XXXX ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Barclays Bank Delaware ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Barclays Bank Delaware ( XXXX ) XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX PLEASE HELP ME TO VERIFY THESE LATE PAYMENTS ; NO ONE ELSE SEEMS TO ABLE TO HELP ME!!!
Consumer complaint received 2024-01-26
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. (WV)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Unauthorized inquiries 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 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 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 XXXX
Consumer complaint received 2024-08-06
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: Experian Information Solutions Inc. (TX)

In regards to XXXXDEPT OF ED XXXX please see my attached documents. The company has changed and updated every single account and all bueros and as you see from my documents attached you are the only agency still showing the XXXX transaction errors. My Affidavit via certifed mail was sent with XXXX response and its been over 180 days. You guys keep saying you updated the account but haven't changed a thing. You have no more time fix the issue.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (NM)

I have been trying to get an issue with my account at Optum Bank resolved for months to no avail. I can not invest my HSA savings in either their Mutual Funds or Betterment options. Everytime I try, I recieve and error with no explanation. I've tried to call and message. Nothing is being done. The last time I called, I recieved misinformation that my company only allows investment through XXXX. My company employees XXXX people and has assured me we should be able to invest through Mutual Funds as well. Regardless, I have tried transfering my funds to XXXX which failed. No explanation. I have no way of confirming this but, it seems like a tactic to allow them to retain my money on the deposits portion of their ledger, allowing them greater leverage for investing to their own profit. In this time of stock market growth, I have been losing potential gains month over month while Optum does nothing to resolve the situation.
Consumer complaint received 2024-08-06
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. (CA)

I previously disputed this inaccurate account twice already with Experian : account # XXXX, balance : {$780.00}, date : XX/XX/year>, address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX and the XXXX XXXX XXXX on XX/XX/year> XXXX XXXX XXXX agency is violating the fair credit reporting act laws Violations : XXXX. Never contacted me by any means whatsoever about this collection before adding this account to my Experian credit report XXXX. Ive previously disputed the listed above collection twice and still XXXX XXXX XXXX  has felled to validate this collection with any documentation XXXX XXXX XXXX I demand you remove this account immediately from my credit report asap or you will be facing a lawsuit your LLC you have been warned!!!!!! 

( Experian credit agency ) please provide proof of your investigation so that I may follow up : 1. Please list the method used to verify each individual account?

2. Provide the names and dates of entities and phone numbers of the people spoken to who verified the accounts? 
XXXX. List all addresses of those people or entities use to verify accounts during the verification process? 
XXXX. Provide all documents proving inaccurate account information was indeed accurate?
Consumer complaint received 2024-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: DailyPay, Inc (KS)

I know and remember that I allowed an amount of money to be debited from my paycheck to take care of the overpayment from Daily Pay. I don't know why they waited two years to get a payment. That should not be legal. I only work part time on my current job and I needed the money that was available to me for bills.