davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sezzle Inc. (CO)

I had a past due sezzle account that went to their collections - XXXX XXXX. 

I paid all my balances in full with XXXX XXXX. XXXX XXXX sent me an email certifying I do not owe any remaining sezzle balance. My sezzle balance is {$0.00} and paid in full. 

Yet sezzle refuses to update their records. XXXX claims I still owe {$190.00}. XXXX says I owe {$190.00}, XXXX XXXX XXXX say I owe {$510.00}. 

When I contact Sezzle they say contact XXXX XXXX their debit collector. I contact XXXX XXXX and they say my balance is {$0.00} paid in full they have sent over the records to sezzle and to contact sezzle. 

I have even done a XXXX way call between a true accord manager and sezzle and still sezzle claims I owe.

I have submitted all my payment receipts and true accord letter cetfirying I have paid my balance and sezzle refuses to update their records to show a {$0.00} balance. They say wait 30 days for them to update I wait nothing gets updated and I call back and start the process over again. 

The remaining {$190.00} was paid back on XX/XX/XXXX yet sezzle has not updated their records and my XXXX credit reports to reflect paid closed {$0.00} balance. 

Because of this I am being denied opportunities for housing, loans, and anything credit related because my reports show a past due sezzle balance even through I paid it.

Everytime I call into Sezzle they say they have no to see my account and payments so then I email the documents payment receipt and evidence and they still dont hel
p.

Sezzle also responds with no they cant reopen my account and I never asked them to reopen my account I will never use sezzle again I want them to update my balance to XXXX and my XXXX credit reports so I can get an apartment. 

My last communication with sezzle says they will update all my records once I pay my account off with XXXX XXXX. I have done that and waited and sezzles new update records still show {$190.00} even after my waiting since XX/XX/XXXX. 

I do a credit report dispute with each credit agencies and I wait 30 days for their report for them to come back and say XXXX has verified my past due balance is correct even though I showed them the payment receipts and certification. How can I owe if there is a payment receipt for it? Sezzle refuses to update their internal records so when the credit bureau contacts them they keep saying yes I have a past due balance when no I dont. 

I am stuck in a circle and sezzle refuses to help. 
XXXX XXXX has been amazing to work with and everytime I call they document it and reach out to sezzle yet sezzle still doesnt update anything. 

This isnt fair I paid off my account and Sezzle is still penalizing me with a past due balance on my credit report.
Consumer complaint received 2023-04-28
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 accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 usc 1681. 

XXXX XXXX XXXX ( XXXX ) has violated my rights. 

15 u.s.c 1681 section 602a states I have the rights 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.

15 u.s.c 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681s-2 ( a ) ( 1 ) a person shall not Rhenish 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.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC. (MA)

XXXX XXXX XXXX in XXXX XXXX, charged our Optum XXXX card ( XX/XX/XXXX ) after my wife told them she wanted to wait until she was at the hospital. But instead they charged it then for XXXX  XXXX, optum denied the request XXXX  saying they needed more information to prove it was a medical charge. After submitting the XXXX at XXXX request, it showed that the insurance company determined that we were not financially responsible for this charge due to incorrect billing. Optum was supposed to request a cancellation for this charge but apparently never did. We went back and forth trying to get XXXX XXXX to resubmit the billing correctly so that we would have a proper receipt. After XXXX, they finally sent another incorrect code which was again denied. Neither XXXX XXXX or our insurance company ( XXXX XXXX ) care to change the status of the billing at this point but also refuse to refund the money. According to XXXX XXXX, we are not responsible. According to XXXX XXXX, they billed correctly. XXXX  times me and my wife were called to say the issue was resolved when it was not. We requested a refund through XXXX XXXX that was denied. Because they are illegally withholding our money, we decided to file a transaction dispute through Optum XXXX. They gave us all of the information which we correctly submitted and we were supposed to see the money back in our account within XXXX days while they disputed the charge on our behalf. The money never went back to our account. Optum employees have given us mixed information- some have told us they have no record, then other employees have found the record. They refused to let us speak with a supervisor. We requested phone call recordings which we were also told wasnt possible. At this point, our XXXX  is set to end on XX/XX/XXXX and we wont get the refund in time to use it. This has been an ongoing process that we feel was dragged out by optum to avoid allowing us to use the rest of our money before the account closed. If we do get refunded now, the money will automatically be forfeited to optum bank which we think is unfair and dishonest. We have taken all the necessary steps that they requested and they refuse to put this dispute through.
Consumer complaint received 2024-01-29
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (TX)

a ) Describe What Happened : Rent Recovery Solutions LLC has been managing my personal information and financial data without my authorization. This involves my association with XXXX XXXX XXXX XXXXXXXX and includes wrongful activities concerning my credit report. I have noted several potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically concerning harassment, false representations, unfair practices, and issues around the validation of debts.

Key Events : Unspecified date : I became aware of Rent Recovery Solutions LLC 's involvement with my personal data.

Continuous : Unauthorized handling of my credit report and financial data. 
Recent : Discovery of potential FDCPA violations, including harassment, misrepresentation, and unfair practices.

I have taken the following actions : Sent a formal request to Rent Recovery Solutions LLC for certified copies of all contracts/agreements involving me and between Rent Recovery Solutions LLC and XXXX XXXX XXXX XXXX XXXX 
Requested documents related to bonds, charge-offs, sureties, indemnifications, insurance, and any third-party data sharing. 
Issued a cease communication order, except for acknowledgment of this letter or steps taken to resolve the issue. 
Alerted the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX NJ on XX/XX/XXXX. The dealer stated an extended warranty at no charge, stating bank required it, failed to show me the cost. It was {$4000.00}. When singing the agreement, they only showed me payments not rate. I sent a request to Santander Consumer, but never got any response. I stated the above reasons as well as claims of predatory lending. I had an open loan already, not working due to a car accident, never asked for financial documents, my credit rating was XXXX. Other dealerships rejected me, even with a co signer. They violated my rights under predatory lending. They took advantage of my situation and put me into a loan that can not be paid off or I will default on. I already had to change payment date, they would not push any payments or offer a reduced payment for a period. I am still XXXXXXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, and am restricted for work. It is unaffordable. Both the dealership and Santander have ignored me. The vehicle also has a list of repairs the dealership did not fix and were pre existing
Consumer complaint received 2023-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

A joint check in the amount of {$23000.00} was issued by XXXX XXXX to me and my ex-husband ( in between the two names, there is " & '' ) on XX/XX/2023. The check was deposited without my consent/signature into my ex-husband account at Randolph brooks federal credit union XXXX XXXX XXXX XXXX XXXX XXXX, TX on XX/XX/2023. A copy of the cleared check shows that the check was signed only by my ex-husband and on the second signature line, it is clearly written " For XXXX ''. The check should not have been accepted by RBFCU and also rejected by the check issuer since it is not properly endorsed. I would like the RBFCU reverse cashed check, so I can claim my share on the check amount.
Consumer complaint received 2023-06-12
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. (FL)

EXPERIAN an XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., EXPERIAN MY ACCOUNT # XXXX XXXX ..MY ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent .. EXPERIAN XXXX ARE... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX management # XXXX XXXX XXXX # XXXX XXXX ACCOUNTS ARE... are all unauthorized an have no Permissible use.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 XXXXXXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on please validate an delete at once
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (IL)

This is my refilling complaint to SANTANDER CONSUMER USA for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.
Consumer complaint received 2023-04-28
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 accordance with the Fair Credit Reporting act XXXXt account XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$410.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

OnXXXX XXXXXXXX was unable to access my XXXX} savings account. Company has incorrect information of my mothers maiden name and place of my first job. they refused any further help and I can not access my funds.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Other people withdrew money from my Chase Bank checking account, and others also applied for two more credit cards that I don't have. It could be due to identity theft. The first transaction occurred at XXXX XXXX XXXX, XXXX, NY, XXXX. This branch withdrew XXXX US dollars on XX/XX/XXXX. The second transaction occurred at XXXX XXXX XXXX, XXXX, NY, XXXX. This branch withdrew XXXX XXXX dollars on XXXX XXXX. The two transactions totaled US {$3000.00}. I tried to go to the bank to recover the two money, but they told me directly that they would not refund it to me.
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (DE)

Inquiries on my credit report that authorization wasn't given to. 

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 2024-01-24
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a 1-year CD account with the Citizens Bank XXXX XX/XX/XXXX, when it clearly stated the APY was 5.5 %. I got enough money to meet their minimum requirement. 

And did confirm the rate was 5.5 % multiple times. However, after I opened the account, it showed 5.0 % instead of 5.5 %. I contact the bank immediately to have this one investigated, but not heard anything back. So I called again on the XX/XX/XXXX and told them to just close my account and transfer the money back to me. 

On XX/XX/XXXX, a representitave called me and saying that they will charge me 3 months interest as a early withdraw penalty, and was not able to waive. So I asked to speak to a supervisor. Then the supervisor picked up the phone and I told the whole story to her again. She confirmed their rate was indeed 5.5 % on XX/XX/XXXX, but to some reason, my account was processed based on the rate of XX/XX/XXXX, which was 5.0 %. I told her I did receive the email clearly showing the account has been successfully opened on XXXX Pacific time, even you use eastern standard time it was XXXX, which is still in the XXXX, not the XXXX. I still kept the email and can forward to her, all she said was she can not accept any type of screenshot or emails, she can only open a case again to the back team but usually they won't even listen to your explaination and will just deny the request for no reason. 

I asked her if there is any chance we could reach escalate the case more, and she said there was no more ways to do it.

I was super frustrated as such a big bank just eat customers money and will still charge me penalty for their fault or, I would say this is a CD scam.
Consumer complaint received 2024-01-24
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (VA)

I have a pre-paid XXXX debit card with {$25.00} from US Bank National Association. The card expired. The website published to check balances, XXXX, does not work. I called US Bank to request they issue a replacement card. US Bank refused, saying the card is too old and expired, so the funds are " lost ''. The card is unused, so I would like it replaced with another of the same value. I hope they replace it and that this is not a scam.
Consumer complaint received 2024-05-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

This is a rental debt that was inflated due to keys being lost in mail. They also did not send any paperwork during the pandemic to request for payment. It just appeared in collections, they stated they had no forwarding address when they could have just sent it to current address and it would be forwarded naturally. I was not even aware of this bill until almost 16 months later when it appeared on my report, never receiving any notice from original creditor. 

IQ Data International IN Debt {$6100.00}
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (CA)

BMO closed my checking account due to inactivity which is false because I get direct deposit every XXXX weeks from my employer and also use XXXX to transfer money. Not once did I receive a notice that my account would be closed due to inactivity. I believe that they closed my account because they didnt want to pay me the {$400.00} bonus I am owed due to the promotion i participated in and I met the requirements, but one of the requirements is for the account to be open in order for it to be paid. So of course they dont have to pay me if my account is closed but they unjustly closed my account. I want BMO to be held accountable and for them to pay me the {$400.00} that I was eligible for as I met all requirements.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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 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 XXXXXXXX XXXX
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (IL)

To whom it may concern, this complain is related to the first complained i have filed with BMO bank, i was notified that the investigation was done & completed but only one of my complain was resolved ( MY dispute with XXXX charge ) NOT the ( XXXXXXXX XXXX ) that i have also filed which is the a missing refund coming from the merchant ( XXXXXXXX XXXX ) i will attached all proof below that there is a refund indeed made to my account which is a screenshot but for some reason BMO bank failed to explain/disclosed where & why all this info about the refund from XXXX was not showing anymore on my bank statement even the authorization that was originaly showing to my account which is a proof of refund that is being process, i also would like to complain that due to the incorrect Hold 's being done by BMO to my money for 3 month 's since XXXX for this case # XXXX, they charge me {$15.00} & {$3.00} fees on XXXX for being overdrawn while they were investigating my complain on the ( XXXX ) they Don't want to fix/waived due to there mistake Not releasing my FUNDS & reason why my acct was on a negative, they also lock our ( XXXX ) after i filed a complain without us notifying ( owner ) that is why we can not transfer the money we have been waiting for month, until my husband complain to the branch and notify them that it is illegal for them to Lock our acct w/out any Notice .Pls help and assist us with this Unfair service being done by the bank and help us resolved this issue that we have been dealing for Month 's now since XXXX.