davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

In XXXX of 2021 I ran my credit report and noticed there was a collection balance of XXXX. 

I logged on to their website and paid the balance in full. The account wasn't updated. I then disputed the amount on my credit report with the credit agency but it still was not removed. I then sent a letter directly to XXXX XXXX along with a copy of the bank statement showing the funds were paid. The amount is still listed on my credit report. 

After receiving the payment in XXXX they sent me a letter stating I owned them amount that were now past the 7 year mark. I think they took the amount I paid them and tried to apply them to amounts that are past the 7 year period. 

If they do not remove the collection from my account I will be forced to reverse the charges as I will not pay for any amounts that have not been verified as legitimate. 

Thanks, XXXX XXXX
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

There were two cash advance checks that were charged on my CC ending in XXXX. 
The first one was for {$6000.00} on XX/XX/XXXX The Second was for {$9000.00} on XX/XX/XXXX Both checks were not written or signed by me. In fact, they were forged by my soon-to-be ex-husband XXXX XXXX. This is not my handwriting and not my signature. XXXX XXXX fraudulently applied for this card.
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (NY)

I have had paypal since XXXXnever reported to credit bureaus!!! When they extended credit they would ask and I never ever applied for credit I had a paypal number!!!!! Since synchony bank took over they started to report!!! I called paypal and they said no we do not!!! due to the extended 6 months no interest on purchases!!! This bank now charges XXXX dollars with just minimum payment!!! I sent payment during this virus of XXXX and told them to not charge interest along with minimum do but they keep on calling this is terrible I never applied for their credit because I knew its a bad bank ... ....
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank (NJ)

I opened an account with First Progress Master card, however i have been making payments on time, none of my payments returned! I issued a check payment to the bank, my bank cleared the funds, the credit company refuses to add my payment to credit balance to increase my credit limit ... ....

First Progress Master card
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

prior claim XXXX still not resolved - Suntrust is still holding on to the wire transfer money refusing to send it back .I had been dealing with XXXX XXXX to try & get this resolved. 
Seems Suntrust back in XXXX was contacted by the XXXX  XXXX XXXX to recall the wire. Suntrust refused at that time. Now since they refused XXXX  XXXX XXXX can no longer request this. I personally called the XXXX  XXXX XXXX & they stated since the account has been closed the funds should automatically be returned to them for their client. Suntrust has these funds since XXXX it was a wire. 
I have tried to contact XXXX XXXX- at XXXX XXXX, to see if Suntrust can send a cashier check to the maker of the wire. I have not received any calls back. 
I can sign a hold harmless so the funds can be sent back to the XXXX  XXXX XXXX for their client. I have asked since XXXX on numerous recorded calls to suntrust requesting this be returned. 
It seems like the only way I have gotten any resolution to this was to file a complaint. Suntrust has no rights to keep these funds. they finally after fighting & filing a complaint released the funds do to me that were being held. Now it seems they are not being compliant again in releasing the funds back. They have it on record & can contact XXXX XXXX at ( XXXX ) XXXX who had been handling this for her client- she is an officer at the XXXX  XXXX XXXX XXXX 
Please I ask again for your agency to step in to get this resolved. 
thank you XXXX XXXX
Consumer complaint received 2024-03-19
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. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

I opened an American Express Platinum card in XX/XX/XXXX with card opening bonus of XXXX Membership Rewards after spending {$5000.00} in purchases in the first 6 months. The first 6 months period ended on XX/XX/XXXX. I checked at least 3 times with customer service through phone calls after this period ended and spoke with a manager one time -- they all confirmed that I had met the spending requirements to earn the card opening bonus and stated that they made notes on my account about this matter. They all stated that the automated calculation of my spending during the first 6 months are incorrect, and their manual calculation yielded more than {$6000.00} of spending during the same timeframe of the first 6 months. However, until today XX/XX/XXXX, I still don't see my card opening bonus of XXXX Membership Rewards get posted to my account.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (FL)

CFPB Staff, Truist Bank has left my daughter  and myself in a dire situation! 

On XX/XX/XXXX I filed a dispute with Truist Bank for {$440.00} concerning a package not received from XXXX XXXX. 

Truist Bank 's staff informed me that I WOULD receive a credit within 2-5 days! 

I was repeated this information by Truist 's Phone Staff twice on Friday XX/XX/XXXX, and on Monday XX/XX/XXXX. 

Because of this guarantee from Truist Bank we budgeted our funds to pay our rent after receiving said promised credit by Trusit Bank. 


However, today XX/XX/XXXX a supervisor named XXXX at XXXX and a Supervisor named XXXX at XXXX stated this had been a lie and that NO funds will be credited for up to 130 Days! 

Truist Bank has left us unable to PAY OUR RENT in this dire situation! 

This is fraud and anti-consumer by Truist Bank and has left my daughter and myself in a dangerous situation!
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: UBS BANK USA (FL)

I started by contacting UBS Bank  in XXXX since I became interested in their banking products. One of those products was their UBS Visa  Infinite card. It seemed that the only way to apply was to call their customer service number. When I did, they explained they'd take down my information, and a paper form would be mailed to me. Seemed surprising to me in this day and age but I understood. I received the application a few days after, completed it and sent it XXXX with signature confirmation. This was received at the beginning of XXXX. Since the form has all my private information, and I was required to send it to them, I called multiple times after it was received for a status update. The customer service representatives were very professional, but nobody knew what had happened and they could not locate my application. Two of the persons I spoke with gave me a case number and promised to call me within 3 days, they never did. To make the story short, I completed and sent with signature confirmation 2 more applications. UBS Bank is in possession of 3 applications from me, but nobody can tell me what's going on. I thought maybe they were closed or working reduced hours because of the current crisis which is understandable, but somebody keeps receiving packages and signing for them. And the customer service representatives insist they are fully open.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (FL)

Again, this bank continues to charge overdraft fees and extended over draft fees in light of the global crisis. We have no money! And the banks continue to profit off of our misfortune I was charged an overdraft fee AND an extended overdraft fee both for {$36.00}
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

Experian is reporting my credit score at 60 points LOWER than XXXX  AND XXXX! Why such a drastic difference? Why are credit bureaus score differently? 

I have been working very hard to repair and rebuild my credit after being unemployed for six months during the covid19 outbreak. Experian is not correctly reflecting my score compared to the others. 

This is not fair that you never know where you stand with your credit! You never know what credit report will be pulled for things like renting an apartment or purchasing an asset and you never know what your score will be? How is this fair? Just because you have a credit monitoring app doesn't mean the score will be the same when a creditor or landlord pulls a report. Again, how is this fair? 

There is no education available as to how each credit bureau calculates your score. Everything is so mysterious! What about transparency, and fair credit practices? There should only be 1, ONE, credit bureau, with actual published, scoring practices so that people can track their own score intelligently, without suprises! 

Experian is preventing me from getting an apartment, unless I pay extra in up front rent and security deposits! This is discriminatory practices and I request and demand an investigation of the credit bureau 's practices, and to why there are 3 credit bureaus with different scoring practices!
Consumer complaint received 2020-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

USAA credit started applying late fees to my credit card ending in XXXX despite me calling and requesting them to examine my XXXX  balance account! They kept adding a late fee every month despite my calls and emails. I would respectfully request assistance to repair this minor issue that they did not explore. They have now referred the issue to collections, a fee I do not owe. Hope you can help? Thanks XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX
Consumer complaint received 2021-06-20
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

I was told on XX/XX/XXXX that my XXXX student loans would be removed from their reports 7 years after they had been completed. those loans were discharged on XX/XX/XXXX. Now over the 7 years quoted the loans are still on his credit reports. it is nowXX/XX/XXXXthe loans still remain I want them removed.
Consumer complaint received 2020-04-07
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. (NC)

I have contacted this creditors and the credit reporting agencies on various fraudulent accounts multiple times and requested an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft : XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX  XXXX appliances is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

XXXX XXXX  appliances is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — Payroll card
Issue: Advertising — Confusing or misleading advertising about the card
Company: FISERV INC. ()

My son left his job at XXXX in XXXX, MD, where he had been issued a credit card. On XXXX XX/XX/2021, he received a letter from XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, FL, saying that they were in the process of upgrading his account to a premier account, but needed documentation under the USA Patriot Act to complete the upgrade. The letter asked for him to send 2 primary ID ( such as copies of his passport, driver 's license, military card, green card ) and 1 additional ID ( such as SSN card, utility bill, paystub, bank statement, etc. ) It also provided a toll free number : XXXX. Supposedly the offer was sent because he was no longer receiving payroll loads from his employer. It was signed " XXXX XXXX XXXX XXXX '' I'm concerned that the letter solicitation is a fraud. My son moved to another company, so he doesn't care to have a XXXX credit card, but others are not as fortunate.
Consumer complaint received 2021-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 there was an unauthorized transaction on my credit card statement from XXXX XXXX, I informed Chase of the unauthorized transaction and they said they would do an investigation but came back a month later on XX/XX/2021 stating that the transaction was authorized, which is completely false as they did not do a proper investigation into this matter and also the merchant furnished a false and deceptive form. 

There were a total of 4 unauthorized transactions from XXXX XXXX each for 1. {$730.00} 2. {$350.00} 3. {$380.00} 4. {$760.00} All of these transactions are UNAUTHORIZED and INVALID due to the fact that the company did not provide me with any service or products to validate these charges. 
Under Federal Law 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

Under Federal Law 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
Since I am the original creditor I will consider revoking the right granted to extend credit if you do not comply and conclude your investigation in accordance to Federal Law.
Consumer complaint received 2021-06-20
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. (TX)

In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, XXXX, Experian removed this fraudulent account from my report. In XX/XX/XXXX, Experian put this fraudulent account back on my credit report and now this account and Experian is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and Experian is causing harm to myself with much added stress.
Consumer complaint received 2020-04-07
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: eMoneyUSA Holdings, LLC (TX)

I am a victim of identity theft. I have requested for XXXX to investigate an existing fraudulent account on my credit report> I have supplied all three crediting agencies with a copy of my police report requesting for fraudulent activity to be remove. XXXX  has failed to comply with my request. I've written a letter stating that Emoneyusa Holdings LLc does not belong to me and therefore should be moved
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

This concerns the Equifax account for both my wife and my CLOSED XXXX accounts. 

The Equifax account for XXXX XXXX has been altered from what the credit provider entered after the account was CLOSED. The account is now showing that our XXXX XXXX XXXX has missed payments, and instead of what was posted originally when XXXX was the last payment entry on the chart. At Present it is showing XX/XX/XXXX. This is a change from the original reporting. As well, it initially was showing XX/XX/XXXX as the first payment with the last payment XX/XX/XXXX. These later changes are now showing the account with 8 missing payments. With two being recent ( XXXX and XXXX XXXX The Equifax account for XXXX XXXX, the entire XXXX XXXX XXXX has been deleted. 

They were both reported as CLOSED with no missed payments. 

See screenshot of altered account attached ...
Consumer complaint received 2021-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Credit Management, Inc (TN)

Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX  is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2021-06-20
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. (TX)

In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, Transunion, XXXX  removed this fraudulent account from my report. In XX/XX/XXXX, XXXX  put this fraudulent account back on my credit report and now this account and XXXX  is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and XXXX  is causing harm to myself with much added stress.