davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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: Porania, LLC (IL)

My husband filled two bankruptcy in my name in 2019 is fraud I never signed anything he try to destroy me he start in 2019 filed for a divorce I want the two bankruptcy removes off my credit report
Consumer complaint received 2024-01-18
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

Amex Gift card for XXXX. My wife tries to use at local stores and is embarrassed. I spent XXXX hours on the phone to get them to " unlock '' the card from trying to use it and restore the balance. XXXX XXXX XXXX  just talking circles. Finally get them to restore the funds, declined at XXXX more local stores, online at XXXX XXXX, failed at XXXX for games, failed at the gas station. They are simply stealing the money.
Consumer complaint received 2023-04-18
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. (NJ)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I believe that, as a XXXX XXXX I was taken advantage of, and given a forbearance second mortgage instead of a refinance to lower my interest rate as was discussed with the XXXX  XXXX  representatives to help XXXX  fill out the paperwork for the Obama HARP program. I began with this complaint process over the telephone, complaint XXXX XXXXXXXX, and was instructed to create an account to upload my payment history and modification documents. I was not in arrears at the time they gave me a forbearance instead of a loan modification.
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (GA)

I bank with Truist. I need to leave a joint account open during a divorce. I have opened a new, individual checking with Truist as well. I was charged a maintenance fee on the joint account and called for guidance. I was told that if I kept a balance of {$500.00} and deposited a minimum of {$1000.00} per month, I would no longer be charged the fee. 

I noticed today that Truist has been removing the fee from my account despite me having met those parameters. I called Truist and learned that it has to be a direct deposit and not a XXXX deposit. 

This appears to be unfair banking practices. I've been reading about steps taken by the government to stop unfair fees. These maintenance fees are crushing every day people like me and it's unfair. I hope you can take action. Truist refused to return my fees. I spoke with a supervisor and the buck stopped there. She refused to transfer me up the chain. I received inadequate information to protect my money and I'm not comfortable it isn't intentional. 

Thank you.
Consumer complaint received 2024-01-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TX)

I am having issues with this company continuously requesting the same paperwork over an over again. I requested a 12 month repayment plan they submitted a 5 month repayment plan. Now that I requested the change they are requesting the same documents over again when nothing has changed
Consumer complaint received 2024-01-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

On XX/XX/XXXX, i made a transfer of {$9000.00}, i called the bank on XXXX XXXX, XXXX and XXXX to check as the money never arrived. The bank has kept the money on hold without my consent and are refusing to release the money to the recipient nor return the money to my account! 

I have been following up with no avail and no feedback other than we will investigate the matter and its been 11 days now since the transfer and i dont have access to my money since XX/XX/XXXX.
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Security National Automotive Acceptance (WA)

Back in XX/XX/2009 I served United States XXXX XXXX. My duty station was XXXX XXXX. I was a new XXXX XXXX XXXX. A Ex- XXXX who profit off getting Servicemembers to come to XXXX XXXX XXXX XXXX for used vehicles, told me to sign XXXX contract and shortly after I would be able to refinance the 24 % interest loan for much lowere rate. Time went by i was loyal to my $ XXXX/mon payment. 2yrs later car enigne was blown. I was going through a divorce and couldn't make payments on time. Harrasments and threats went on for a year or so of being able to pay when i could. Even after they came on base and took the vehicle, i couldn't talk to anybody about and adjusted payment. So when i finally got my large sum of EAS money i was ready to give them a offer. But was turned down. Over the past year, I have been trying to slowly work on my credit report. And the inquiry reports, funds not receivable.
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. (PA)

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 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NV)

I was charged {$100.00} for a fraudulent item. Ive tried to dispute it several times with Discover as well as worked it out with the original merchant. 

On a separate matter I was charged {$14.00} at a restaurant but didnt receiver the quality of food advertised. The merchant told me to dispute with my credit card because they couldnt refund me. 

On both occasions the terms in Discover said the consumer is not responsible for fraudulent transactions or for transactions that were not the qualify agreed upon. Discover is now trying to change these terms even though they are still listed on their website and have not been changed. Consumers have also not been notified of any changes. This isnt the first time something like this has happened. Its a frequent occurrence with Discover.
Consumer complaint received 2024-04-07
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. (TX)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The 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 the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year>. 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 paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

There seem to be hard inquiries that have been furnished to my report without my written instructions and i was not given a nondisclosure option or an opportunity for it to not be disclosed to a third party. According to 15 U.S. Code 6802 it says that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I did not authorize nor give consent. 15 usc 1681 602 A state I have right to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account or inquiry without my written instructions. 

XXXX has the following inquiries I want removed Immediately. 

Capital One XXXX/XXXX/22 XXXX XXXX XXXX XXXX/XXXX/22 A paystub and passport have been uploaded with complaint for ID purposes.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XXXX of XXXX, TransUnion doing business as XXXX XXXX  exposed a security breach which affected over XXXX XXXX people, I am one. There inquiry system coded hard inquiries as soft in error. As a result there is a Class Action Lawsuit against TransUnion. 
I have contacted them wasting hours and hours and no one is helping or even acknowledging the breach. 
On my TransUnion credit report XXXX XXXX XXXX TransUnion shows up more than fifty times every month multiple times as soft inquiries. They dont have authorization and I want these removed.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WA)

on XX/XX/XXXX we wrote a check to XXXX for {$5000.00}. this check was sent to them, but someone intercepted the check and cashed it at XXXX XXXX XXXX XXXX XXXX XXXX  realized the mistake and contacted the other account holder on this account. He then contacted Well Fargo bank, to let them know that this check was cashed fraudulently and filed a claim with Wells Fargo. He passed away in XXXX, so I had to step in to finish everything and when I called Wells Fargo they said that I needed to re-submit the claim which I did in XX/XX/XXXXXXXX XXXX Since this time I have been in contact with Wells Fargo looking for information on this claim and keep being told that they are looking into it and will get back with me. as of XX/XX/XXXX I still have not gotten any answers from them and they have not been consistent about returning my phone calls.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Southwest Credit Systems, L.P. (TX)

On XX/XX/2018 I was contacted by Southwest Credit Systems to collect a debt originally from XXXX XXXX. During that communication I requested that the company desist attempt to contact in accordance with the Fair Debt Collection Practices Act. The company continued to attempt to contact me until I answered the phone again on XX/XX/XXXX. I recorded this communication with the collection agent 's permission. In this phone call, the agent indicated that my file had notes from the previous call, to include my request to desist communication. After being asked about the continued calls, she then stated that she saw no such record of a request being made, and that she had not ever said there was such a record. The recorded conversation proves otherwise. Southwest Credit Systems is not only violating the Fair Debt Collection Practices Act, but maliciously altering company records in order to do so. I wish for all communication to cease from this company, except for the permitted communication allowed under the FDCPA. Thank you.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I had to replace my debit card due to fraud. It was immediately cancelled. The representative at Capital One verified my mailing address and identified it as a XXXX XXXX XXXX I never received my debit card. Was never emailed or sent a tracking number. I called Capital One on XX/XX/24 and was told I did not get the card because they can not be sent to a XXXX XXXX XXXX My check was about to deposit and I have bills due. I was told all they could do is resend it. I asked for a supervisor. I spoke to XXXX who told me I would get my card by XX/XX/24 no later than XXXX  via XXXX. Now, it says I won't have my card until XX/XX/24. I am going out of town XX/XX/24. I do not have access to the funds in my account This is causing me a huge inconveniece, and late fees and if I can not go on my trip I will be charged cancellation fees for my flight and hotel.
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST NATIONAL BANK OF OMAHA (TN)

I have two accounts with First National Bank Omaha { FNBO } and have been repeatedly calls me several times a day from 25 or more different numbers with different area codes. I have at least 25 numbers documented and saved in my mobile device. The scheme of changing their number to contact me is both annoying and harassment. If they would stop and only contact via one number I may be more willing to answer the call or make myself available to answer. This tactic needs to stop and I ask that you intervene.
Consumer complaint received 2023-04-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal claims to have reviewed customer call ( XX/XX/XXXX ) regarding closing the checking account. On the call the representative presented the option to close both checking and savings which was not the initial request/purpose for the call, or the best option for long term sustainability of the credit card that was attached to the savings account. I initially only inquired about closing the checking account. 
XX/XX/XXXX I received a letter from Navy Federal stating they will cease and desist all future communication and will not move forward with any future action they will wait for correspondence from me for any further actions. 
XX/XX/XXXX Navy Federal is moving to sue me in court in XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (NY)

So I got a called from XXXX XXXX that I missed a delivery and to call that number with a reference number to figure it out. I had no idea so I called and gave the ref number and it's some collection agency trying to recover money from a credit card supposedly from XXXX that closed in XXXX and was charged off in XXXX? Idk it isn't on my credit anywhere and I have no XXXX idea what they're talking about but basically threatened my credit. And bank account. They had my info, last four of my social at least and birthday and address. 

The company that supposedly sent the delivery was XXXX XXXX XXXX. I hung up mid call because they began staring my credit would be damaged for a decade, due to a law Obama passed? It was very confusing
Consumer complaint received 2024-04-07
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. (FL)

Inaccurate reporting from XXXX XXXX # XXXX should not be reported on my consumer report! INCOME As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 



The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681 s-2 Says you XXXX XXXX are a furnisher of information to a consumer reporting agency. 
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. 
The above paragraph is taken directly from the IRS 2021 publication.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX Savings Bank Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A states that I have the right to privacy.

15 U.S.S 1681 section 604A section 2 states that a consumer reporting agency can not furnish an account without my written instructions In the first week of XXXX XXXX I sent a letter to the three credit bureaus requesting they verify everything on my report specifically XXXX Savings Bank Account # XXXX. I was not provided all the information i asked for in validating the debt in regards to XXXX Savings Bank Account # XXXX. All three reporting agencies came back with the debt of this account verified. However, they did not provide the information I asked for and there multiple discrepancies between the agencies ' reports. These items are different between the agencies ' reports : -Date of last payment -Date last reported -Date last active -Date opened These can not all be accurate. All information on my credit report must be accurate and verifiable. They are reporting all different information after claiming they have verified it.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NC)

In XXXX of XXXX my mom and I received notification that a verification form from Discover had to be completed or my account would be closed. My mom and I got the form completed and notarized and my mom sent her bank statements. We then got a letter in XXXX stating the verification form was not completed correctly and we had to redo it. I came home from school and my mom and I get the verification form completed for a second time and she resent it with the bank statements on XX/XX/XXXX. We heard nothing from Discover but on this week I went to check something on the card and saw that there was XXXX available so when I asked in a chat I was told that the account was closed because they did not receive the requested information but my mom did send over the paperwork. Now my account is closed and it's going to hurt my credit. I have other friends who have the same card and they didn't have to go through this process so why was I selected to do this? My mom pays the bills and there has never been any missed payments. I do not want the card anymore however I do not want my credit negatively affected by it either because their uploading process is inefficient and horrible.