davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK (MD)

XX/XX/XXXX - I opened a Priority checking account ( account # XXXX ) with Hancock Whitney using promo code XXXX. The opening deposit for the account was {$55.00}. 
XXXX - I send a XXXX transaction of {$2500.00} to work towards the minimum balance of {$5000.00} to avoid fees on the new account. 
XXXX - I send another {$2500.00} via XXXX to meet the {$5000.00} minimum balance to avoid account maintenance fees. 
XXXX - I am able to verify my trial deposits with Hancock Whitney for my XXXX XXXX and XXXX accounts so I can make external transfers between the accounts. 
XX/XX/XXXX - I am no longer able to access my account or online banking and I am not provided notice from Hancock Whitney either by call or email on what happened to my account and why I can not access it. 
XX/XX/XXXX - I receive notification via email that my direct deposit of {$550.00} has been deposited into my checking account. I call Hancock Whitney regarding my account and I am eventually transferred to XXXX XXXX, Assistant Vice President, Digital Relationship Banker. XXXX tells me my account has not been closed, but it is on hold due to the XXXX transactions. She asks me to send her the corresponding bank statements from where the XXXX transactions originated. We hang up and I immediately email her my bank statements from these accounts that have been open for over XXXX years. She emails me back and says she will reach out once she has an update. I still do not have access to my funds or online banking. 
XX/XX/XXXX - XXXX email XXXX again regarding my account and she notifies me she is still waiting on a response, even though I am given no means to access or manage my account or my funds. 
XX/XX/XXXX - I receive an email from Hancock Whitney to " rate my experience '' regarding my account closure even though I never initiated such a thing XX/XX/XXXX - I reach out to XXXX again regarding gaining access to my account and have not received a response. I am still not able to access my funds or online banking. I still have not received a notice from Hancock Whitney regarding this incident.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

I never got my XX/XX/XXXX statement. On XX/XX/XXXX I called and made a payment of {$80.00} which the agent took the wrong information which caused the payment to return no account found. I was than charged an NSF for their error when the payment did not come back NSF. It came back as account not located due to their error. I then later called back on XX/XX/XXXX and was advised of a late fee that would be waived. I was never advised of the NSF that was their error. I than received a call on XX/XX/XXXX and made payment. On XX/XX/XXXX I spoke TD again who told me the second payment returned, however it didn't. During the first call on XX/XX/XXXX, I filed a complaint I didn't get my first statement. I had logged into the portal to enroll in XXXX but never enrolled in electronic statements, however TD claims I did. In XXXX, I never got my statement and TD starting calling me nonstop. Calls received XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 9 calls in three days.
Consumer complaint received 2023-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NE)

I had student loans taken out in XXXX. Navient bought out Sallie Mae, my servicer. Navient has not submitted information to XXXX XXXX ( DOE ) that payments were made prior to them buying Sallie Mae. Navient has that information because I can see it when I log into my payment history. It shows XXXX to XXXX. But what was submitted to XXXX was XXXX on. I can not get my XXXX qualifying payments because not enough exist at XXXX. It's been a full year since requested and Navient has not sent on my full payment history. 

My loans from XXXX should also count but those were with DirectLoans, and XXXX and XXXX but those put me far over so I don't need them as much as I need the ones from Sallie Mae and Navient. 

At no time did I request changes in servicers, the switching was at their business end selling my loans.
Consumer complaint received 2023-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitalone got a decision from your company they didnt like. when I disputed fraud charges now capitalone put charges of XXXX on a capitalone card, that was shut off in XXXX. When i filed the original dispute against capitalone dispute. 
Through experian they are lowering my good credit standing daily for a XXXX charge on a card that I did not authorize, on a card that has been turned off since XX/XX/2023. I turned off all XXXX of my capital one cards in XXXX, and I notified all XXXX credit reporting agencies the cards are closed. when I found fraud with their company with my XXXX XXXX bank account. 
XXXX knows the card was turned off when capitalone presented a false charge of XXXX. 
XXXX is lowering my credit rating daily. On a charge I didn't authorize on a card I registered with then to be closed.
Consumer complaint received 2022-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-03-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: General Service Bureau, Inc. (NE)

Incessant phone calls are coming in to cellphone number XXXX from General Service Bureau ( GSB ) out of XXXX Nebraska. Phone calls to a 'cellphone ' is a violation of the Telephone Consumer Protection Act ( " TCPA '' ) 47 U.S.C. Section 227 ( a ) ( 1 ) based on the fact that under the TCPA it shall be unlawful for any person or entity to make any call ( other than an emergency ) or prior expressed ( written ) consent of the called party, using any automatic telephone dialing system or artificial or pre-recorded voice. Consumer has NOT given ( written or verbal ) permission for entity to call consumer. If after the agency is notified that consumer does not wish to receive calls and the agency continues to do so the agency can be sanctioned in the amount of {$500.00} dollars to {$1500.00} dollars per each violation there after. Consumer is making this report with your agency as consumer wishes all phone calls to 'CEASE ' immediately!!!!
Consumer complaint received 2023-02-06
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. (GA)

This constitutes fraudulent activity and is a serious violation of my right to privacy. Not only is this a breach of my rights, but this is a defamation of my character. When you provide a negative account that you claim I own, other businesses notice it, which has an adverse effect on my credit report and quality of life.
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had a secured master card with 5th 3rd bank. Every time I call requesting that all my accounts be closed I get a different excuse as to why it cant happen. I have been asking since XX/XX/23, yet they keep taking on fees. This bank is flat out stealing from the customers
Consumer complaint received 2023-07-21
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: AMERICAN EXPRESS COMPANY (PA)

Applied for a company credit card at XXXX. American Express did a hard credit inquiry on my account without my knowledge or authorization, either written, verbal or implied. I contacted the credit bureau, they referred me to Amex, who ran me around for quite some time then told me that they could not remove it per policy. No last names were given. 

I spoke to a XXXX and an XXXX. 

XXXX, no last name was the supervisor who declined to discuss it with me or even come on the line.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX XXXX flagged my account and opened a collection on my credit report that has severely affected me! It says the account was opened on XXXX, 2019. This is the second time they have done this. Last time was removed and now they opened again! I have no knowledge of this account nor do I have any contract with this company! The amount says {$380.00} original balance and {$390.00} past due. Please remove from my credit report
Consumer complaint received 2021-08-03
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: EQUIFAX, INC. (MS)

XXXX  and Equifax are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!
Consumer complaint received 2023-03-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-21
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. (VA)

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 2023-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: AMERICAN EXPRESS COMPANY (IL)

on XXXX, XXXX XX/XX/2022 I was approved for an American Express Business Checking account, that came with a sign-up bonus, providing certain requirements were met. 

EARN XXXX POINTS - after making an eligible deposit, maintaining a required balance, and making XXXX qualifying transactions. 

EARN AN ADDITIONAL XXXX POINTS after you meet all qualifying activities to earn both the Business Gold Card and Business Checking offers. 

I met the requirements before the advertised deadline, however, American Express refused to honour the terms of the agreement. They stated I did not complete the required XXXX qualifying transactions on the welcome offer. 

" You only completed XXXX out of XXXX qualifying transactions and this specific requirement needed to be completed by XX/XX/XXXX. '' On my account it showed that I made XXXX transactions with the description of " online transfer '' between XX/XX/XXXX and XX/XX/XXXX. Per Amex 's chat representative : " There was a returned Automated Clearing House ( ACH ) on your account on XX/XX/XXXX for {$2000.00}, and we do not count returns for a qualifying transactions. Stop payments and transactions that do not post to your account and do not appear in your Available Balance within sixty ( XXXX ) days of account opening are not qualifying transactions. '' However, the transaction in question was not a " stop payment '', and it was an electronic/online transaction that was posted to my account during the period in question. This specific type of transaction was not defined within the terms and conditions provided by American Express at the time of signup.
Consumer complaint received 2022-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The problem is Transunion with deleting the information than adding it back on after sending in documents Under FCRA rules if you feel that it a result from identity theft or fraud you can have the information block from your file.Transunion has created a whole new credit file and number.I am asking that the information to be blocked from any credit report that is created by Transunion under FCRA rules.The enrollment form was never signed by me or sent to me for a signature.My identity was changed in the year of 2009 without my consent.I have no clue who is behind all of this disaster.I am uploading documents to help with this case
Consumer complaint received 2022-11-21
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. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, I have recently starting having this problem about a month ago. 

I enter my userid and password and I'm passed to a link that says " We've detected a problem while logging in ''. I am then prompted to select receiving a special code to let me login. I selected a phone call which happen correctly and successfully. This is a pain in my back side. 

I just got off the phone with CapitalOne 's customer support people. I asked them why I was being required to do their 2 step verification process CONSTANTLY. They said they couldn't help me. I asked for a supervisor and got the same answer. Clearly there is something wrong or broken with this process ( me or their web site ) but was told that there was NO ONE WHO COULD HELP ME and that their site is functioning properly and that, basically, I was stuck. 

This answer is unacceptable to me but I could NOT find someone who could help me. 

Can you get their attention on my behalf please? 

XXXX ...
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted several request to update and correct my name and addresses that are on my consumer report. By law nothing should be on my report without that is incorrect or approved be me the consumer. My name is XXXX XXXX XXXX no other name or names should be on my credit profile as they are not correct. My address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX no other addresses or previous addresses as they are incorrect should be on credit profile. It's the duty of these consumer reporting agencies to provide accurate and exact information with the consumer consent as all this information is my personal information. Please update with XXXX name and XXXX address.
Consumer complaint received 2023-06-08
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. (NY)

This letter is a formal complaint to inform you that the accounts listed below are reporting erroneously & is inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of open/never late or closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX  XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
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: EQUIFAX, INC. (NY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, EQUIFAX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX  Date ofd Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX XXXX Date ofd Inquiry XX/XX/XXXX, XXXX Date ofd Inquiry XX/XX/XXXX & XXXX Date ofd Inquiry XX/XX/XXXX
Consumer complaint received 2023-07-21
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On Thursday XX/XX/XXXX, I opened XXXX bank accounts with capital one. A checking and savings account for my wife and I, and XXXX minor accounts for our children. We transferred funds from our account into the XXXX new accounts. The next day, I got an error message that there was a problem with our funds and I needed to call capital one. They informed me my new accounts were under investigation and I could not access the funds. They then told me they were ending their relationship with me and opening an investigation into the funds. All of this, because someone from washington DC supposedly tried to access my account. They accused me of fraud, and closed the accounts. The money has already been taken from my XXXX account, a total of {$2500.00}, and capital one won't give it back until they " complete their investigation ''. They won't tell me what that investigation is, or when it will be over, but they're holding my money hostage. I need my money back.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX