davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX
Consumer complaint received 2024-03-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC. (CA)

This complaint is about Healthcare Finance Direct ( XXXX ). They were the payment processor for XXXX XXXX XXXX ( XXXX ) when XXXX was still in business. XXXX closed business/operations late last year. 

At that time, XXXX XXXX XXXX sent communication stating that services promised as part of the contract would no longer be honored. These services included ongoing access to XXXX, XXXX XXXX XXXX XXXX XXXX  ), and a lifetime guarantee for those services. They kept one singular page on the web stating that if you are on a XXXX XXXX  plan, which I was, to reach out to XXXX. 

I have made several attempts at contacting XXXX via email, phone calls, and certified mail requesting the name of who the creditor is now as well as a new addendum to the original contract. Part of the original contract stated that if there were any major changes to the contract, an addendum would be provided. Additionally, the contract expressly states more than once that XXXX is not the lender, but rather the payment processor and that XXXX is the creditor/lender/provider. 

After several attempts XXXX either refuses to provide the requested information, or they are choosing to ignore it. The only thing they've done is continued to threaten sending my account to collections and referring me back to the singular web page that XXXX put up which then just directs the user back to XXXX. 

The couple of times I've actually gotten someone on the phone, they proceed to threaten collection, argue, and continue to ignore the requests for the information mentioned above while also stating they don't know anything. 

The following is the dates of all contact attempts. 
Email- XXXX/XXXX/24, XXXX/XXXX/24, XXXX/XXXX/24, XX/XX/24, XX/XX/24 Phone- XXXX/XXXX/24, XXXX/XXXX/24, XXXX/XXXX/24 Certified mail- sent XX/XX//24 and signed for by a representative of XXXX on XXXX/XXXX/24
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (GA)

We have multiple accounts with Truist/BBT , and one being my sons student account that I am on with him. He over drew the account by XXXX XXXX, yes XXXX cent XXXX cent! I went in to transfer money this morning and notice the {$36.00} nsf fee. I had this problem with them several months ago, the same thing happened and he was credited the {$36.00} fee back then due to this account being a XXXX account. These fees are NOT to be charged now as we corrected the overdraft option at that time. They walked us through how to make sure it never happened again. When this occurred XXXX month ago, we were told how to fix the issue by going into account setting and changing the Overdraft overage by sliding the option over ( see attached photo account ending XXXX ) I am unable to get the fee returned to us today for the XXXX XXXX, and theyre being deceitful In their practice and they will not honor the options we as a customer put in place to keep this from happening. I started off talking with XXXX, the XXXX at the XXXX location in XXXX ( XXXX ) He could not understand why any of this was happening and saw everything I saw. He put in for an escalation to which XXXX ( XXXX ) called me. I asked Both XXXX and XXXX multiple times why set these measures up if they go back on them. XXXX, in client advocacy told me well, sometimes this can happen on some charges coming through. I continue to ask XXXX multiple questions as to their practices of deceit only to get no where, XXXX emotion, XXXX sympathy, just nothing except I was told the call was recorded. I was happy to hear that!. First off, this is a student account and were not suppose to have any charges to begin with, at least thats what we were told upon setting this account up, second we fixed it XXXX months ago to not happen again ( see photo proof ) and third, it is XXXX XXXX!! I have been a customer for XXXX  years, and They do not care becasue they can keep getting away with this behavior. Theyre a huge bank and dont worry over stealing a customer money. This is, in my opinion, stealing my money! I will be leaving this institution and going to my credit union. There are so many lies and deceit with this bank, I wonder how they can continue to harm their customers and get away with it like this. I can not get an explanation from them as to the settings or protection their system is suppose to protect us from. What good does this option with no overdraft protection do if they refuse to abide by their own rules. Its deception and stealing at its worst, and I did mention I would be contacting you. I do want my refund, but I still want this bank to explain how they can keep lying and getting away with these things. I am considering a law suit just because of the nature of this incident. I would like them to more than explain, and feel fines should be imposed on them for this! I would like very much for the cfpb to investigate this wrong doing and please help!
Consumer complaint received 2024-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AXOS FINANCIAL, INC. (CO)

I opened a " High Yield Savings Account  ' with UFB Direct ( https : //www.ufbdirect.com/ ) at 5.25 % interest. 

They are only paying me around 4 % interest on my savings of XXXX + They will not provide answer as to why the amount is so far off. 

Interest paid from account open : XX/XX/2024 - XXXX - {$410.00} interest paid XX/XX/2024 - XXXX - {$810.00} interest paid As soon as the account was opened the interest rate adjusted to 5.11 % rate but that doesn't come close to what the company is paying me in these payments. the above payments rflect a 4 % interest rate not 5.11 % Please help with this matter
Consumer complaint received 2024-02-02
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  account, XXXX XXXX XXXX XXXX account, DEPT OF ED / XXXX has violated my rights : 15 USC 1681 Section 602 A Section ( 4 ) States I have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. " 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. '' 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose. " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Consumer complaint received 2024-04-24
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. (FL)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-03
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. (AR)

15 U.S.C 1681 section 602 A. States i have the right to Privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not consumer in connection with the collection of any debt.
Consumer complaint received 2023-04-27
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: GOLDEN 1 CREDIT UNION, THE (FL)

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-03
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-02-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commercial Recovery Systems (FL)

Company re-aged an account as a new debt reporting and claiming for XXXX. Once I advised I have not been in medical facility since XXXX, the date was changed to match my statement. I have disputed thru credit bureaus. However, it continue to stay in my file without providing me with documentation. I request full validation including copies of insurance XXXX to provider where it shows I am liable for payment. I believe that all my liabilities -copays and coinsurance-were met at time of services as required by the facility in XXXX. That was until this account appeared in my credit report in XXXX. The collection agency has refused to provide additional information by not responding to any of my multiple requests.
Consumer complaint received 2023-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAC Financial Corp (OK)

A debt validation attempt was made to CAC Financial XX/XX/23 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my personal health information.
Consumer complaint received 2023-04-27
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: CLGF Holdco 1, LLC (FL)

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Consumer complaint received 2024-03-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc. (CO)

My business account of the company XXXX XXXX XXXX was closed by Mercury. They told me this : " Were writing to inform you that we can no longer offer you services at Mercury Your account has been closed due to a breach of our Terms of Service and/or your Deposit Account Agreement. Funds are being retained by Mercury at this time and will not be immediately returned to you. Should we return the funds at a later date, you will be notified. " I asked for a timeframe of the return of the funds or to be able to see the transactions because they might be allowing deposits and they did not answer that. They even told when i asked again that " This will be our final communication to you regarding this matter. We appreciate your understanding. '' And then I XXXX  and the answer they gave me are copy and pasted from other emails. Aparantly they block the email after that answer and I am not able to comunicate with them anymore and they will not answer. 

So this is the situation. I had lose access to my funds and they refuse to give a proper answer or to return them.
Consumer complaint received 2024-04-24
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)

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transaction by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact, I am in fact, requesting this block on behalf of myself. On XX/XX/2024 and on XX/XX/2024 XXXX, Transunion, and XXXX were all notified by certified mail. According to FCRA my rights are in violation of 15 usc 1681c-2 consumer request to block information from alleged identity theft making the credit reporting agency civilly and criminally liable according to 15 usc 1681n and 15 usc 1681o.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of anxiety for me, and I sincerely hope for a swift resolution.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I first noticed an issue once a vendor informed us of a check we had written being rejected. As such I reached out to learn more. And after repeated phone calls to the bank via main contact phone number ( XXXX ), their departments for fraud and deposits ( XXXX, XXXX ), multiple representatives informed me they made a " business decision '' to close our account, and had made the account " deposit only '' for the interim. They refused to provide info on why they planned to close the account, and when the funds would be available to remove or that they would release said funds via a cashier 's check. They told me to refer to their deposit agreement for more info on their decision. Upon reading the deposit agreement, the only statement relevant to our situation referred to a XXXX  day window from their choice to close it to when they will close the account and release funds. According to the Bank reps, they had begun that process on XX/XX/2023. I went into the local branch in XXXX where I spoke with XXXX XXXX, who also refused to provide any info on the account closure, or when the funds would be released. In a series of follow up phone calls on XX/XX/2023, they informed me they still not have completed their investigation, and that the account funds were still unable to be pulled out, with no timeline given. The bank has refused to provide any additional updates on this matter. They have not provided a receipt of their decision, so the timeline to when the funds are released is unknown. These funds are essential to our business and to pay back vendors for bills due, and we have not been given a reason or timeline regarding their closure of the account, and the subsequent release of the funds within. They refuse to communicate on their decision, and will not give any updates, despite being past the date of their own deposit agreement timeline. I am struggling to maintain business functions and the fact we have not been provided a simple response is frustrating.
Consumer complaint received 2024-03-15
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 (CT)

I got an Amex gift card, a Prepaid business gift, which they say and claim that you can use it anywhere that accepts AMEX, but I can't use it anywhere to pay for anything, it just caused me inconvenience and embarrassed me a few times. times when I thought I could trust that the gift card that supposedly works anywhere, but no, I have a good amount of money sitting on two of these cards that are just giving me a headache and that won't even let me buy headache medicine...
Consumer complaint received 2023-11-22
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 am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.
Consumer complaint received 2023-12-14
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. (GA)

According to 15 USC 1681c-2, if a consumer reports identity theft, the items in question must be promptly investigated and, if found to be fraudulent, removed within four business days. However, I have identified discrepancies on my credit report that have not been addressed within this legally mandated timeframe. 

XXXX XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2023-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (SC)

I owe a payment to Grain that was due on XX/XX/23. I began trying to make this payment XXXX. I was not able to log into my account. I tried to reset my password and the link is not working. I tried to call the number listed on my statement and it is totally automated. I emailed support and did not receive an answer for several days I went on XXXX and left a message via messenger. I received a response. That support would be in touch with me. The support specialist that I spoke with via email was a XXXX XXXX I have told him repeatedly that the links he is sending me is not working. I have copy and pasted the link. Tried in a different browser and also tried to login using a different device. All have failed. I am trying to make my payment and have been trying now unsuccessfully for seven days, I have asked the support specialist if I could change to automatic draft and they do not answer this question I ask for an address and just received it today. However, I was told that I should not be using the address because my credit contract states that they take it directly from the bank, I can not do this because I can not login to make the payment or to even set up an automatic pay. I really need help resolving this issue. I have screenshots of everything all conversations and links. Were have tried multiple times daily to login.