davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have already sent a letter to Experian, XXXX, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (FL)

On XXXX/XXXX/XXXX I was expecting a cash deposit of {$1300.00} in my SunTrust account before releasing an item that I was selling online. The deposit was made at the SunTrust branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXXL XXXX at XXXX. After seen the updated transaction in my account I released the item. Few minutes later I noticed that the cash deposit was reverted, so immediately I called the bank. I spoke with the branch manager and she told me that the person who did the deposit went back to the teller and asked for a cash reversal. The teller without questions or ID verification gave him/her the money back from my account without my authorization or any prior notice, so the person got away with the money and the item. 
On the same day I submitted a claim that has not been solved yet. Today XXXX/XXXX/XXXX, I still waiting an answer from the SunTrust Bank. 
I hope you can help me to resolve this issue.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America charging me maintenance fee of {$5.00} every month. Customer care representative told me that they announced about changes to Saving account in XX/XX/XXXX via monthly statement ( Paperless ) that any account without daily balance of {$300.00} will have to pay this fee. I just checked my savings account now ( almost one year later ) that BOA is charging {$5.00} every month. 

When i requested that they should have used better means on communicating a change in service which needs an action from account holder, they didn't have a better answer. I see this as a stealing from customers with sneaky means of communication. 

It happened with me earlier as well in XX/XX/XXXX & XX/XX/XXXX where they used to charge {$1.00} fee and when questioned they used to revert back the charges saying that its software problem. 

How can we make sure that BOA is not stealing our money. 

Thanks, XXXX
Consumer complaint received 2017-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WI)

I called chase bank claims department for a transaction that the merchant would not refund. I received the incorrect items at XXXX XXXX and returned them to the restaurant and they would not refund me. Chase stated they dont handle these claims and could not do anything. I have no items and have been charged 91.62 and Chase will not help me. They can not even send me anything in writing that states they do not handle food merchants.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (LA)

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 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2023-02-02
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. (LA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$2.00}
Consumer complaint received 2023-02-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc (PA)

Over the last two months, Harley Davidson Financial Services has called me 125 times ( 53 in XXXX, 72 in XXXX ), In the last week alone, they have called me 33 times. At the time of this writing, they have called me 5 times today. Four of those calls were between the hours of XXXXXXXX XXXX and XXXX XXXX. I typically work 8-12 hours shifts between the hours of XXXX to XXXX. I can not answer my phone at work unless it is official business or an emergency. At this point, I consider this HARASSMENT by a creditor.
Consumer complaint received 2020-02-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation (MO)

Started disputing the valididty of this debt in XX/XX/2019 and company continues to " verify '' account with bureaus but has never sent me any documentation for the account. When I mailed letters requesting verification, they were simply ignored. I have sent 2 notices, one regular USPS and the second was mailed certified. Still not answer to either accounts. I have noticed that the accounts were removed from XXXX, but still are being reported to the others.
Consumer complaint received 2021-01-11
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriHome Mortgage Company, LLC (CA)

Sent {$2000.00} to Amerihome Mortgage Company acknowledge was received on XX/XX/2020 to be applied to my mortgage " Principal Only. '' Instead was placed in " Suspension. '' After numerous calls and hours spent on hold to have this payment applied to my mortgage, was told the {$2000.00} would be returned to me. 

After 30 days, the refund still not returned. I've sent a certified letter, countless phone calls, and still no refund. It is impossible to get any resolution with this company.
Consumer complaint received 2023-02-02
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. (LA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/23, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX : {$2.00}
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TN)

I signed up for the Citibank New Customer Bonus. I opened the account on XX/XX/XXXX. My accounts were fully funded to meet the {$1000.00} bonus by XX/XX/XXXX ( within the 20 day window requirement ). 

The link that describes the promotion is here : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX I have not withdrawn any money from any of my accounts ( have both the checking and savings ). There is a balance over $ XXXX in them currently, which is the threshold to receive the {$1000.00}. 
I have contacted them twice, given the Reference number of XXXX. The first representative said that my bonus was " attached '' but not " registered ''. I did register it and have a partial copy of my chat transcript on XX/XX/XXXX to make sure that there was nothing else I should do but keep the money in for at least 60 days and then within 30 days I will receive my bonus. They base this on the balance on the 21st day. So, in total, after 111 days, I should receive my bonus. 

The customer service agent in early XXXX told me that it was a glitch on their end because I signed up for it online. The second customer service agent on XX/XX/XXXX said that an investigative " team '' is still checking on it. Both XXXX XXXX told me that I would receive a letter in the mail explaining everything and I have not yet received that letter -- or my bonus that is due. 
This customer bonus is still active and is running through XX/XX/XXXX. I am afraid they will drag their feet and then tell me that the promotion has expired. There seems to be no one else I can contact to get this solved as I keep getting passed to a different customer service agent that can not speak XXXX very well. Please help. I have referred others to this promotion and now feel I have set them up for the same frustration.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Conn's, Inc. (TX)

I want to file this please as my formal complaint to CONN CREDIT CORP for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Consumer complaint received 2023-05-17
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: Medical Data Systems, Inc. (NV)

Greetings, 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. This account from MED DATA SYS XXXX ( Alledged balance of 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.

I have reason to believe that this debt is invalid as I was never hospitalized in 2022, and upon calling I was unable to inquire about this due to HIPAA regulations. However as someone who allegedly owes a debt, I am entitled to an investigation and a debt validation provided to me.
Consumer complaint received 2023-08-29
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (PA)

On today XX/XX/2023 XXXX XXXX XXXX  came to my residence @ XXXX XXXX XXXX XXXX XXXX Pa XXXX. Stating that he wanted access to my roof because my residence was sold to a XXXX at the XXXX XXXX XXXX on XX/XX/2023. In which I knows absolutely nothing about and theres supposed to be some kind of Loan Modification Agreement between myself and Wells Fargo.
Consumer complaint received 2023-02-02
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-03-02
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. (OH)

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher XXXX and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( XXXX, XXXX, Experian ) PLEASE!!! **They keep closing and reopening XXXX accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these XXXX accounts from my report 9 months ago. I have no clue why I have to keep fighting with XXXX and experian and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 


Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (NC)

I applied for a loan on XX/XX/ with XXXX for XXXX solar panels, through Goodleap financing. I was approved for a loan for XXXX solar panels. During the loan, the loan cancelled, due to time that it was taking to install the solar panels. Trying to figure out the process of either going through a new company or continuing with XXXX XXXX, I signed a loan with a different company and financing company. XXXX XXXX called me and told me to cancel the loan with the other company, due to the fact that I still had a loan with GoodLeap ( How did XXXX know this? I'll never know ). I called GoodLeap and confirmed that XXXX cancelled the loan. XXXX 's representative, XXXX XXXX, called me on the phone ( with his personal cellphone ) and told me that it was not cancelled and all that he had to do was reconfirm the loan. I cancelled the loan with the other company believing that it was a reconfirmation of the first loan. On XXXX  Goodleap emailed me to call in and verify the loan through their XXXX #, it reflects this phone call on my telephone logs. They also re-confirmed the first loan on XXXX by sending me an email and telling me I was approved and nothing further was needed. On XX/XX/, a whole day later, a new loan was signed. It was signed in a place and a time that I was not at. Their representative from Goodleap stated to me that the loan was signed at my house on XX/XX/ at XXXX. I was XXXX hours away when that new loan was supposedly signed. On XX/XX/ an adder was then added to the loan, which did not hold my signature. That added an extra XXXX $ to my loan. If XXXX and Goodleap reconfirmed the loan with me on XXXX and told me nothing else was needed, WHY would I need to sign a loan on XX/XX/? Additionally, adding an extra XXXX $ to the loan AFTER a loan ( even though fraudulent ) has been signed is NOT legal. Furthermore, now I'm overcharged with fraudulent charges on my loan and I did not even get number of solar panels I was originally supposed to have. Additionally, the installer placed the solar panels wrong on my roof, and I'm going back and forth with my HOA because of it. This is FRAUDULENT all around.
Consumer complaint received 2023-05-31
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. (NY)

Three bad accounts appeared on my credit report after I paid off three credit card bills and requested that they be deleted. They are not permitted to do this without my permission, especially considering that I paid the bills off. I sent a dispute letter to each of the three banks, XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX therefore XXXX should also have that. Now I am filing this complaint so that I can get a faster solution to this problem
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Loan
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: PRESTIGE FINANCIAL SERVICES INC (CO)

In XX/XX/2023, I was hospitalized XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and was without pay for 1 month. During this time, my auto loan was late. Causing me to incur a late payment on my credit report. I am now in the process to purchase a home and was informed that I will not be approved because the late payment with Prestige is negatively impacting my credit score. Due to the hospitalization in XX/XX/2023, I am requesting that the late payment be waived and update to paid on time. 

For the past 5 months, my account has been on automatic payment withdraw to ensure payments have and continue to be on time.
Consumer complaint received 2023-05-31
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)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX 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 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
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NV)

Pay Pal LLC invoice scam. Legitimate email from actual true Pay Pal that is a SCAM invoice. XXXX Hello, PayPa Client Here 's your invoice PayPa LLC sent you an invoice for {$360.00} USD View and Pay Invoice Buy now. Pay over time. 

Simply select PayPal Credit at checkout and enjoy No Interest if paid in full in 6 months. Subject to credit approval. See terms. US customers only.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-02-02
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. (PA)

I recently received a copy of my Three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B