davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Im reporting again XXXX XXXX credit card they have not shown me full receipts for this card only the last 3 which were all payments made may me this a clear attempt to keep restarting the 30 day date to respond properly if you look back in your disputes I just recently had same issue with their fanatics card as well again attached is their response which just shows last 3 statements not receipts of all balance and it says if we do not hear from you we assume this debt is correct. So Im responding
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

Here is the itemized list of events that occurred. 
My bank Regions- Branch XXXX XXXX # XXXX, item serial # XXXX, Item Trans Code # XXXX, State of TN XXXX XXXX XXXX ( Written Statement of Unauthorized /Improper ACH Debit Activity. 
I have had 2 debit card replacements in a 30day period less than 2weeks apart due to fraud and unauthorized charges on my account. My bank is not protecting or securing my checking account! 
The first debit card was closed XXXX XXXX and the other XXXX XXXX, XXXX. First fraud occurred XXXX XXXX, XXXX - {$72.00} from XXXX XXXX serial # XXXX. I disputed and my funds were refunded/corrected XXXX XXXX. The next fraud occurred XXXX XXXX, XXXX in the amount of {$10.00} from XXXX XXXX - serial # XXXX - disputed / unresolved. 
Next fraud - XXXX XXXX XXXXXXXX - XXXX XXXX - {$100000.00} deposited into my checking account. Money was disputed and flagged. XXXX XXXX withdrew the {$100000.00} on XXXX XXXX, XXXX - time XXXX transaction type - Merchant. They also withdrew an additional {$350.00} of my money. I disputed - issue unresolved. I went to bank and have a Written Statement of Unauthorized Improper ACH Debit Activity on XXXX XXXX, XXXX. Issue is still unresolved! I have a police report created XXXX XXXX, XXXX - report # XXXX. 
I went to the bank on XXXX XXXX XXXX and was told to come back on the next day the XXXX because no one was there to see me, three people were out. My account was exposed and unprotected. I am XXXX and on a fixed income and this put me in a dire financial situation. I have XXXX XXXXXXXX XXXX, and this is too stressful! This has to STOP! This is my 3rd time of going thru this. My account needs protection now! A bank statement was supplied to me and that was all I received from this bank! I want ALL my money refunded and my account secured from this point forward. The manager XXXX is who I saw on XX/XX/XXXX and she transferred my case to XXXX XXXX without any backstory on XXXX XXXX, XXXX. XXXX XXXX assisted with the Unathorized ACH after filing out wrong paperwork. This is unprofessional and shows no concern on XXXX for customers of the bank. I was there from XXXX - XXXX. with XXXX XXXX with no resolution and she said she would call me and never called.
Consumer complaint received 2023-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC (FL)

I called a gentleman from advantage first about taking out a line of credit. The gentlemans name is XXXX he said he was an affiliate of XXXX XXXX. Which is my mortgage company he ran my credit I and said he would get back with me. I thought it was odd so I called XXXX XXXX and XXXX XXXX said he doesnt believe hes working with XXXX XXXX XXXX Now my credit score has been hit for no reason and want to make sure hes not trying to scam me. This is his contact information he sent me. Thank you. Hello, this is XXXX. I will be your main point of contact here, please save my number in your phone. You can text, call, or fax this number anytime. 

XXXX XXXX
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

Background : I have been dealing with the repair of a roof leak that caused major damage to my living room and XXXX of my kids bedroom. I sent money through XXXX to the first contractor for the roof in 5 payments in the last month ( I asked wells fargo if this had an affect they said it shouldn't have ). Yesterday I added a new recipient my and Wells Fargo did not let me send the allotted daily amount of XXXX to my tile installer who was replacing moldy carpet for my displaced children. I called them this morning to ask them to please send the allotted daily amount for yesterday and less than the allotted amount today ( for a total of XXXX but would have been no more than XXXX. I called at XXXX a.m. to tell them that I needed the money for my housing needs during a catastrophic event and mind you I have more than XXXX figures in my accounts. Both the employee and supervisor I have one of their names denied the request. 

I told them during the XXXX XXXX. phone call that if they do not let me manage my money and I had to go down to the bank, I was going to demand all my money and that I didn't want to deal with the delay tactics they always pull. I tried to pull my money out with them a few years back for something mundane they wouldn't do. I go at XXXX XXXX XXXX. to the bank and I have the banker helping on the line. While the cashier did comply, I got the same tactics as before from three to four different people a gentleman telling me it wouldn't be safe to leave with that amount of money. They wouldn't transfer they wouldn't my money they wouldn't close the accounts. I had to ask twenty questions to and finally say okay fine leave a dollar in my account for each account. 

I'm complaining because as a woman, maybe also as a XXXX woman, I wasn't allowed to cover my basic housing needs for reasonable amount to cover home repairs. this is discriminatory retaliatory and .. You can imagine my surprise and I get home and this XXXX couple from XXXX XXXX was allowed to transfer XXXX ( I have a lot of more than that to a scammer ) via XXXX. 

https : XXXX
Consumer complaint received 2023-12-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (GA)

I am writing to file a formal complaint against Navy Federal Credit Union for their persistent and intrusive communication practices. The excessive calls have become overwhelming and have created a significant disruption in my daily life. I believe these actions XXXX be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other relevant regulations. 


Navy Federal Credit Union has been making incessant calls to my phone every day, often multiple times a day. Despite explaining my situation, the calls persist. 

I have spoken with representatives from Navy Federal Credit Union and explained that, due to my current financial situation, I am unable to make payments at this time. 
The continuous and frequent calls have become excessive, causing unnecessary stress and anxiety. 

I believe Navy Federal Credit Union 's actions XXXX violate the Fair Debt Collection Practices Act ( FDCPA ) and other relevant federal and state laws. The FDCPA prohibits debt XXXX from engaging in abusive practices, including excessive and harassing phone calls. 

I have taken the following steps to address this issue directly with Navy Federal Credit Union : I have spoken with representatives, explaining my financial situation and expressing my inability to make payments at this time. 
Despite these conversations, the persistent calls continue unabated. 

I urgently request the CFPB 's assistance in addressing this matter promptly. My desired resolution includes : Navy Federal Credit Union should immediately cease all communication with me, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and any other relevant federal or state laws. 

An acknowledgment from Navy Federal Credit Union of my current financial hardship and a commitment to work towards a reasonable solution. 

Implement measures to prevent Navy Federal Credit Union from engaging in similar harassment in the future, ensuring compliance with applicable laws and regulations. 

I believe these actions would constitute a fair resolution to this matter and bring it to a satisfactory conclusion.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma (TX)

Per the FCRA as federal protected consumer. I am now opting out of any and all authorizations. I the consumer may have given written & unwritten, verbal or non-verbal per 15usc6802.

15usc6508 15usc1681 15usc6802 15usc1681 15usc1602 16crf313.6 16cfr313.7 15usc1692d 15usc1692e
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX C Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX,
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : XXXX XXXX  XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX & XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX 
Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Credit Karma (RI)

Credit Karma double-charged my rent payment and car payments which are my largest expenses. This resulted in an overdraft of over {$2000.00}. On XXXX I tried to notify them by phone, but after 40 minutes on hold the call disconnected. I reached out on chat, and after another wait, I explained the issue. They stated they were going to transfer me to a specialized department but that was also dropped. They then emailed me which I replied to with documentation showing which transactions they charged twice. It is now XX/XX/11 I have had no access to my money to buy food or other necessities, instead of fixing my account, they are threatening to drop me as a customer.
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent dispute letters out in XXXX of 2023 and XXXX of 2023 asking to verify accounts and delete for violations of FCRA and metro 2 compliance standard. Investigations came back as verified and accurate. Updated credit report does not reflect the changes if any were made.

15 USC 1681 15 USC 1692g
Consumer complaint received 2023-09-02
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (GA)

On XX/XX/XXXX I received several calls from two different XXXX XXXX. The first was from Midland, formerly XXXXXXXX XXXX. I told XXXXXXXX XXXX XXXXhe first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX  weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from Midland and a call from XXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called Midland they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

My card number was stolen/compromised ( not the physical card ). I tried calling BOA on XXXX to request a replacement card. The associate sent a code to my cell number, and, unfortunately, as I was going to retrieve it I accidentally hung up the call. I immediately called back. The same thing happened. I have a new phone and have limited abilities in my arms ( XXXX ). The third time I called they said to use the mobile app. I said I couldnt because XXXX XXXX and did not want to incur fees, but I had multiple verified numbers on my account that could be attempted. I asked to speak to a supervisor. The supervisor hung up the call on me. I bit the bullet and called through the app. I have the number to prove it, as the automated system dialed for me and dialed additional numbers to the regular BOA number as well. The lady immediately answers the phone saying I need to call through the app. I told her I did that, and she said I did not. I let her explain to me how to call through the app ( the same exact thing I had just done ), hang up and call again through the app. The person then says that I have not called through the app and need to visit a branch in person with XXXX forms of ID. This would be mildly OK, although still incredibly discriminating towards people with XXXX, except for the fact that I am currently abroad in the XXXX and will not be home for months. 

I gave it a break and called back in a few hours. The man I spoke with was kind and said to call back in 24 hours and they would be able to try to authenticate with another number on the account then. 

I did that, and the lady says I need to go in person. She then says she can not authenticate the other numbers ( for absolutely no reason ) and says to call through the app or try again in 24 hours. The absolute JOKE is that BOA has locked my online account, so I CAN NOT LOGIN TO CALL THROUGH THE APP. When I asked to speak to a supervisor, the agent hung up on me again. 

They are absolutely refusing me service, withholding account information, and potentially opening me up to further fraud because I have absolutely no idea what is going on with my account. 

They refuse to authenticate my account through my email address or other phone numbers THAT BELONG TO ME that are registered on my account, through my billing address, full name or social security number. They tried authenticating my account ONCE and then proceeded to completely lock and kick me out of MY OWN CREDIT CARD ACCOUNT.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

Transworld System Inc is improperly reporting a collection account for original creditor : Arizona Public Service. This account was paid directly through APS and they send a deletion letter. Transworld System Inc is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of APS which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as Transworld Systems is reporting incorrect information.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

The Federal Loan service provider Nelnet has not reported accurate information on my credit profile regarding my student loans, and has impacted my ability to secure housing. I am currently homeless due to Nelnet 's negligence in reporting fair, timely, and accurate information according to the FCRA. 

As of XX/XX/2023, my student loan balance has been paid in full in the amount of XXXX, XXXX. Nelnet is no longer a servicer of this account and therefore should delete this account from my credit profile. Nelnet has failed to report updated account information in which my account appears to be delinquent.