davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-22
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 15 USC 1681. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-05-23
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: Experian Information Solutions Inc. (CA)

Account : XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is still incorrect, all XXXX of the date last active is inaccurate, and date last reported is not accurate. This ground for removal of the account from my credit report & a lawsuit against the credit bureau. 
they also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigation. I submitted the original complaint XX/XX/ for the company to correct to inaccurate reporting and they failed to do so.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I sent a letter to Equifax information services stating that they are reporting the wrong info on my credit report about the auto loan with XXXX, I tell them that there should no balance on the account, and as proof I attached the proof from XXXX credit reporting agency that the balance is {$0.00} and it has been over 60 days I never herd back from them to update the info to the correct info, and this is defamation of character
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

We have a business account with Truist. We'veTruis had this account since 1998. We received our statements on time but when we sat down and did the reconciliation in XXXX we discovered the bank deposited a check from myself as an individual to some bogus company and Truist withdrew {$1500.00} out of my business account. Very clearly a bank error or intentional on the part of the Bank teller. I don't even have a personal checking account. The check they cashed didn't even have my company name anywhere on it. The transaction took place XX/XX/XXXX. We received the statement that clearly shows the fraudulent activity towards the end of XXXX. We didn't sit down to reconcile as soon as we received the statement unfortunately, but we did catch it and made the complaint to the Truist fraud department in early XXXX. They are saying because there is more than 30 days from the time of the statement to the time we reported it they are rejecting the claim and we are just out the {$1500.00} from our business account. Again, I only have a business account with Truist and no personal. The check they cashed was a bogus check with my personal name on it, our business account number, and a signature line stating, " no signature required ''. They should have caught this within the 30 days if anything. We could have missed it reconciling but it is still their error.
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC (TX)

Harvard Collections, reported a negative trade line on my credit report as of XX/XX/XXXX. This is the second time this company has reported this same debt on my report, I had it removed back in XXXX as this isn't a debt I'm aware of, and the company states the original was over 30 years it supposedly be owed. I wasn't even aware that you could collect on a debt over 10 years, but moving forward... The company never sent out debt notice just updated on my credit report as a new collections debt in both incidence. 
The company removed the debt, and now 2 years later it's on my file again as a new paid charge off.as of XX/XX/XXXX in the amount of {$2900.00}. 

I have never made a payment nor been contacted for a payment on this debt. This is impacting my credit which dropped my score due to their negligence, falsifying attempted collections on a debt over 30 years and updating as though this was a new debt owed.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan XXXX  Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX XXXX reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP
Consumer complaint received 2018-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (PA)

An American Express customer service representative has been calling a family member, to ask for my personal information like social security number, DOB, adress, for a credit card debt i have, this department calls daily, at all hours, weekend to my cousing to his home wich i have live before, my cousin informs me. My cousin told him that he could not give me that information because it is personal and he was not authorized to give this information and he dont have anyway. He does not know this information to give, the person insisted that give it to him because it is a debt with american express.

I had talked to them before and told them that if I could fill out the form fo the card insurance because to pay off the deb, I lost my job almost two years ago and Iam not working, they refused to give me that benefit.

I would like for this to be investigated, and give me the benefit that I have for the insurance of the card that come with it, my account should be completely paid by them, according to the law, also for the harassment to my person and my family, as well for denying me the insurance benefits of the card.

I hope you dep can help me with this abuse of power and influence that American express has.
Consumer complaint received 2022-11-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

On XX/XX/2022, sent and verified via Certified Mail, XXXX XXXX XXXX XXXX c/o Servicing received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a 5 day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the 5 day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (MN)

On XX/XX/21 I went to XXXX XXXX to buy a XXXX XXXX went to pay and it had said declined. I checked my bank account which had more than enough money in it to purchase the product. Got an email from my bank saying account has been been restricted for any account I cant make purchases withdrawals buy stocks etc. i contacted support they made me up load my id and do a live selfie to confirm it was me who called. If it was to confirm it was me who made that purchase it shouldve been as simple to text or call me. But my account is still restricted and this is where I get my pay check sent to and Im unable to get anything I need like gas food etc
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I am a customer with flagstar bank, I was supposed to be sent a cheque for XXXX XXXX on my escrow account. Flagstar said they sent me check on XX/XX/year>. I haven't received the check and called them multiple times so far. At last they found out that they sent check to different customer. 

Amount in discussion is XXXX XXXX instead of correcting the issue they are bothering me to sign an affidavit form and notarize it which costs again me money ( they asked me to send a indemnity form already, which i did on XX/XX/year>. They are causing me lot of stress and financial distress since XX/XX/year>, its been already close to 3 months now and making me suffer all this long. Please help me get my funds without me having to bother this much.
Consumer complaint received 2021-06-26
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: EQUIFAX, INC. (TN)

An itemized bill does not imply that these account are valid, anyone can send a bill a claim ownership. I do not have any agreement with these company a contract showing that I have legal obligation to pay them. I am requesting you to send to me all the paperwork associated with the mentioned accounts.
Consumer complaint received 2017-04-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IN)

I became ill and my Dr. told me I needed to go on XXXX, so until that application was processed I requested a modification since I was n't able to keep up with mortgage pmts. I was told repeatedly during every phone call dealing with the Home Preservation Specialists at Wells Fargo that a foreclosure could not be filed on my property while in the process of a modification. I received a summons stating a foreclosure had been filed with a date 8 days prior to receiving a voice mail that the modification was completed, but I was being denied. So, now to reinstate my account, I have an additional almost {$2000.00} in fees regarding the foreclosure that I 'm required to pay to reinstate in addition to my back mortgage pmts. I asked my Home Preservation Specialist why I received a summons when I 'd been told that could n't happen and after being put on hold multiple times, she finally apologized for giving me " incorrect information ''. No further explanation was given, no further assistance was offered. I was later told by a housing counselor that they should have also offered me a partial claim loan, which was never offered or discussed. I was told by Wells Fargo that I had 20 days to pay the reinstatement amount in full or be foreclosed on. When I then asked for the total amount including fees that I would need to pay, Wells Fargo said they did n't have a dollar amount to give me, but that in about 3 more business days, they would fax me the amount. These 3 days are counted in the 20 they gave me to pay. So, now there 's only 17 days to pay the full balance.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I tried closing my PayPal credit account with synchrony bank due to fraud twice. Ive never opened the card and called the fraud department twice. Nothing is being done. The credit card is still active and charged. They have failed to prevent fraud and is part of the problem
Consumer complaint received 2024-03-14
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (MA)

On XXXX XXXX I had fraudulent transactions of {$2400.00} on my NetSpend Skylight account while I was working I notified Netspent right way and their response was to cancel my account and withhold the rest of my money for almost a month, I filed a dispute and spoke with different people at their customer service and they said to wait that they will send me the documentation of their investigation but it was all lies I never got a written notice on why they are denying to refund my {$2400.00} I got help from my Brother  XXXX XXXX he submitted a complaint XXXX XXXX but after 15 days their response was that they cant give information because he is not in my account, NetSpend is also saying that they did try to contact me but they couldnt reach me, that is a lie because I spoke with XXXXXXXX XXXX on XX/XX/XXXX after my brother submitted the complaint they contacted and told me I will get an answer back in 24-48hrs but nothing had happened its has been over 3 month waiting for them to respond but they still refusing to to give my money back or written notification on their investigation they are not doing what they are telling me that they will do all this time its have so frustrating I had to borrow money to pay my rent on XXXX. Please I need them to refund my money.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (KY)

On XX/XX/2024 I made a purchase on a local stores website for {$1200.00}. the confirmation email for order # XXXX said 15-30 days for delivery to the store. on XX/XX/2024, the store and website were shut down due to tax fraud by the owner. I made a police report with XXXX XXXX XXXX office # XXXX and went to my bank ( PNC ). they said I need to go to the stores bank ( XXXXXXXX XXXX  ). They said that it was my banks responsibility. On the XXXX I filed the first dispute with my bank and it was denied. 3 days later I filed a second dispute and it got denied, reason for both denials was " because you authorized the transaction. '' I contacted the FDIC and they sent me to you. the transaction was an e-check ACH transfer.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My account was closed without prior notification. but that is not my main concern but rather that all my accumulated cash rewards in the amount of {$110.00} was seized by the XXXX XXXX. 
After contacting the XXXX XXXX they responded that they have sent me a notice that the account will be closed and if no action taken my rewards will be seized. I have explained to them that I have never received such notice and its just plain common sense that if I would have received a notice of such action, I would have not ignored it. Neither did I receive any email regarding such action. You can google and see the data yourself that billions of dollars of us mail is lost every year. The representative confirmed that they have not sent me an email, nor do they have any proof or certified mail on file that I have received such notice by mail, however she unfortunately can NOT help me because this is the policy of the company. 
This XXXX XXXX has found a way to rob its customers. Even if they have decided to close my account, its just fair and ethical to mail me a check of the cash rewards that they owe me and belongs to me.
Consumer complaint received 2022-11-07
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)

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : US DEPT OF EDUCATION/ Account XXXX XXXX Account name : XXXX  Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account XXXX XXXX Account name XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NY)

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of XXXX of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.