davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (NY)

When calling customer service anout a {$300.00} payment made on XX/XX/XXXX, the company refused to srnd me a fax number or an address to forward my bank transaction statement showing the money sent and not returned to XXXX for {$300.00}. The customer service rep refused to email any address, email, or fax number for the bank statement to be sent to showing {$300.00} was paid to Santander and not sent back to XXXX.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NC)

The company XXXX has obtained my consumer report on XX/XX/2023 without my knowledge or consent. I have not given written or verbal consent to XXXX to access my consumer report. This is a violation of my rights under the fair credit reporting act ( FCRA ), specifically 15 USC 1681.
Consumer complaint received 2023-10-01
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. (OK)

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.

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 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OK)

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.

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 2023-07-07
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. (GA)

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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I received information from a Bank of America representative via phone informing me of a forbearance / deferment due to my Covid 19 and Hurricane Ida resulted hardship. I informed the representative that I was working towards catching up on my account. I specifically asked for clarity of the forbearance to ensure I would not have to pay notes occurred during the forbearance at the end of the forbearance. She assured me that those notes would be placed at the end of the mortgage loan period. I had her to repeat to ensure. At the end of my forbearance I was told something different and I am now working on a loan modification. I would have known the correct information, I would have sought out other options. A week ago I was informed by a representative ( XXXX XXXX ) that I needed to send an appeal email requesting information about an outstanding issue. I sent the email immediately and I also sent an appeal email regarding the false information. I informed the representative a week ago that I completed an appeal email regarding the false information I received and still have not received a response. At that time I was informed that I did not need to send an appeal email regarding the information I had just received stating I had an outstanding issue that needed to be addressed. That was again, false information. This is not the first or second time I have sent complaints due to false information from representatives. Bank of America only apologizes and moves on. Unacceptable and not professional at all. I am presently on XXXX XXXX XXXXXXXX due to XXXX XXXX  and this situation is only escalating those issues. I have requested that the recorded phone calls be reviewed. Last week, after being told day before that calls would be reviewed, that those calls in questions were not able to be reviewed, yet the representative was able to review several other calls. I am also having difficulties and frustration with representatives during this modification process. They continue to ask for duplicates and information that is noted not retrievable. In particular, after sending several child support check stubs, letter from payor and proof of deposits ( after being told to deposit ), they still continue to ask for evidence that it will continue. On last week I was told that they had a document that showed my payments are XXXX and I have proven otherwise that payments are XXXX XXXX month with several pay stubs and deposits. I am not sure where the errored information came from and the representative could not answer. They were provided everything that could possibly prove receipt and continued payment. After reporting to XXXX, a letter from XXXX noted next steps that were not taken.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (PA)

XX/XX/2023, I made a bill payment from my XXXX checking account to my Truist checking account in the amount of {$250.00}. {$250.00} was deducted from XXXX XXXX to Triust online no XXXX. After many calls and in-person visits to Truist they can not locate this bill pay amount. I verified with both banks that I used the correct routing and checking account number for Truist. So now, {$250.00} has been deducted from my XXXX checking account but never showed up in my Truist checking account.
Consumer complaint received 2023-08-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SC)

They called me initially on XX/XX/XXXX stating that I owe {$500.00} to XXXX XXXXXXXX ( an apartment complex ) and then they sent me a notice by email. When they had called me I asked for an explanation of the charges and they could not tell me what the charges were for and said they would look into it for me and get back to me. I followed up with them XX/XX/XXXX and they said I owed them more than the {$500.00} because they charge interest on debts. I again asked for an explanation of the charges to be sent to me along with an explanation of how the interest was being charged and they said they could not send me a statement with that information - that they would have to request for a statement detailing what the debt was for and how the interest was being calculated. I have filed a complaint with the XXXX  and all I have gotten from the debt collector ( Hunter Warfield ) out of that was them sending me the original statement that doesn't detail an explanation of the charges or how interested is being calculated.
Consumer complaint received 2023-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc. (NJ)

I bought a perfume from XXXX and returned it in store the next day because I didnt like it. XXXX was supposed to refund me the {$16.00} I had already paid when I bought the perfume. I got my refund from XXXX and reported the return to afterpay. I heard nothing about it from XXXX so it slipped my mind until today when they suddenly charged me {$16.00} twice, so {$32.00} in total. I had returned the perfume weeks prior to this so Im not sure why they charged me two times for something I dont even have in my possession anymore. Also the order itself on the XXXX app says that payments for the perfume are paused until XX/XX/XXXX because I made the return which makes XXXX sense because again, they took the {$32.00} from me TODAY.
Consumer complaint received 2022-11-25
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all XXXX  credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/202XXXX XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (CA)

I need to make sure EdFinancial received my latest teacher loan forgiveness application and find out what the status is. In XX/XX/2023, I received a message saying my first application was denied because of the date. I called right away and then uploaded and submitted a new corrected application. 10 days later, I called to confirm they received it and they said they couldn't find it. They told me to upload the document again, so I submitted the updated application again. Now it's been over 60 days and I have not received a message/letter accepting or denying my application. 

I called on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and the wait time was over 7 hours. There was an option to receive a call back but I never received a call back on any days. I submitted an email request on their website with no response. I attempted to use their chat service online but I get this message each time I try : " We apologize, we are unavailable to take your chat at this time. Please try again at a later time. Thank you, goodbye ''. I called 3x each on XX/XX/XXXX and XX/XX/XXXX but the system is not working- it doesn't ask for any input and goes silent. Please help me speak to someone from EdFinancial so I can get confirmation my application was received and what the status is. I worked in low-income public schools for 5 consecutive years so that I could qualify for this forgiveness.
Consumer complaint received 2023-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (FL)

In XX/XX/2022, I contacted online XXXX asking for internet service. 
From my conversation with company representative, the best choice for my service, was a discounted service plan for 1 year service. I told to that employee that my house will be soon on the market for sale, and he told me that still on that condition, when I move after selling my house, XXXX will move my service to the new address, they cover the entire USA teritorry, only to accept continuing their service for the entire year. 
I mention that I was their customer for many years, so will not be a problem from my part. 
After 1 or 2 month, I sold the house of 26 years and I and my family relocated from the old address in XXXX XXXX XXXX  to meet our only relatives, our son family. 
I tried to fill up the moving process of internet service with XXXX, but they did not serve my new address, so I contacted other provider with double price for same service. 
After a wile, I was receiving letters from XXXX with a {$240.00} charge without any explanation for what service or reason. 
I mention that I was not able to contact XXXX, only way to contact them is when you ask for a new service contract. 
I receive a letter from a debt collector on behaf of XXXX for a unexplain reason of {$240.00}, I replay to them I don't have any debt to XXXX  explaining all the above and they understood. 
After a while, another debt collector, AFNI INC, with a debt of {$240.00} that I own to XXXX, not specifying the reason. I reject the debt because I paied all my service bills, and if thy charge me as a penalty of moving I told them how XXXX promised me they will move the service not matter where in USA, so I am ready to receive their service to the new address, as our conversation on the beginning of the contract, the only issue that may be with them. 
ANFI INC, send me another letter to pay {$240.00} to XXXX because they verified my account with XXXX and there is written my debt. 
.I do not accept this charge, I did not do anything to pay this amount.
Consumer complaint received 2023-10-02
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Cannot graduate, receive diploma, or get transcript due to money owed
Company: Education Principle Foundation (FL)

I transferred to XXXX XXXX XXXX University in XXXX from XXXX XXXX Upon my acceptance, I was awarded scholarships and federal and private student loans. After completion of the program in XXXX, I attended graduation and walked the stage. However, I received an empty diploma holder and inquired about the status of my diploma. The school acknowledged that I completed the requirements to graduate but said they would not issue my diploma until the remaining balance of the private student loan was paid in full. I've inquired several times over the last 10 years, even stating that they were violating my rights and they still didn't provide my diploma. As of XX/XX/XXXX, the school is closing nationwide and I still have not yet received my diploma.
Consumer complaint received 2023-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

Credit Collection Services is stating that I owe them for a debt. I requested for them to send me validation and a signed contract with my signature and the signature from an employee at Credit Collection Services showing we had a contract as well as the agreement between XXXX Credit Collection Services and l. I also asked for a break down of the debt they say I owe them. Also I requested that they show me proof that they are able to collect a debt in the state of Ml as well as other specific things l 've asked them to prove. They are stating that I owe them for XXXX XXXX XXXX in the amount of {$54.00}. I reached out to XXXX XXXX and asked do they sell debt they stated no ( I'm well aware of my XXXX laws ). I could sue Credit Collection Services for violating HIPPA laws. Credit Collections Services has violated multiple HIPPA laws and I have my lawyer on hand to sue Credit Collection Services for the violations of my medical rights. Also their information has not been reviewed by a lawyer.
Consumer complaint received 2023-10-01
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. (IN)

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. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I sent a wire of {$30000.00} on XXXX the account that the money was wired to supposedly full and could not receive any more funds so the account holder at XXXX XXXX XXXX  told me to contact my bank and do a wire transfer. I did so. My bank Capital One tells me that I need to contact the recipient and have them release the funds. The account holder at XXXX XXXX XXXX  already told me the released the funds, so no idea what is causing the delay of me receiving my refund.
Consumer complaint received 2023-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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.

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 inructions 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 XXXX 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 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

I purchased a refundable online real estate course. 

Within about two days without accessing any of the course content I reached out to the company and told them I made the purchase too fast and wished to get a refund and sent them a screenshot of their refund policy. 

They initially tried to talk me into staying and even went as far as changing there refund policy which I have proof of via the archive website. Heres the link. https : XXXX : XXXX You can see what there refund policy was on XX/XX/2023. 

After I confronted the business about them changing there refund policy and threatened to dispute and open a complaint they responded, refunded. Will remove access today After the payment cleared I immediately put in a dispute with my credit card company. Citi. 

They recently resolved the the dispute in favor of the merchant even though I have email proof that they stated they would issue the refund and I also have screen shot and digital proof from the archive website showing that they changed the refund policy to no refunds to try and get away with not giving me a refund.
Consumer complaint received 2023-08-28
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (TX)

In process of cancelling/closing fraudulent account that appeared on my credit report with XXXX/XXXX. I never opened this account. Noticed this after my credit score dropped. They have an address of XXXX XXXX XXXX XXXX, MN XXXX from XXXX  fraud account that I have never lived at.
Consumer complaint received 2022-10-22
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 (TX)

Made a payment paying the full balance on XX/XX/22 payment cleared bank XX/XX/22. I called to rectify the issue, they advised that there is nothing they can do. Funds will be available on XX/XX/22. I requested to speak with a supervisor. The representative placed me on hold for 45 minutes and eventually terminated the call.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Requested directly to Office of the Chairman to remove me from overdraft service which is a cost of XXXX XXXX/year plus transaction fees. I could not locate where this can be done on line. My account was still charged.
Consumer complaint received 2023-11-06
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. (FL)

I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. Inquiry listed below. 


XXXX XXXX XXXX