davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I received a check on the amount of {$3700.00}. This check was mailed to me priority mail thru USPS. 
I called the bank that the check was written from to verify the account was open and legit. They informed me that the account was open. I used the account number at the bottom of the check. 
I then went to XXXX to cash the check but they couldn't cash it because of the amount. 
So I deposited the check into my account thru an ATM. I only have access to an ATM in this city. The closest bank branch is an hour and a half away and I couldn't make it to the branch before they closed on Saturday the XXXX, Same day I received the check. 
Thinking that if the check was not good, the bank wouldn't cash it and they could go after who wrote the check. 
NO, NOW BOTH OF MY BUSINESS CHECKING ACCOUNTS HAVE BEEN CLOSED AND I HAVE NO ACCESS TO MY MONEY. 
I thought I was doing the right thing and Bank of America screwed me over as hard as possible stating that I am responsible for everything that goes in and out of my account. HOW AM I RESPONSIBLE FOR A CHECK I DIDN'T WRITE AND I HAVE THE LETTER THAT CAME WITH THE CHECK.? 
BANK OF AMERICA IS STATING THERE'S ABSOLUTELY NOTHING THEY CAN DO. 
I HAVE BEEN TOTALLY SCREWED OVER FOR NO REASON ON MY END. WHERE AM I AT FAULT FOR ANYTHING?
Consumer complaint received 2022-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

Fed Loan stated the my XXXX was missing, nothing was missing. Then they stated I was being processed, they didn't give me a que number that my XXXX would be processed. Then I was denied my XXXX for missing information. Spoke to a manager, they said everything was fine and my count still isn't updated. Complete morons.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have recently pulled my XXXX consumer report and notice accounts that have been investigated and deleted by another credit bureau and still being reported by TRANSUNION. Attached to this letter is proof that these accounts were deleted by XXXX. They just need to be deleted in order to show my true credit history. 
XXXX has removed all accounts associated with Account Name/Account Number : XXXX XXXX XXXX XXXX Attached is the copy of the credit report from XXXX with the accounts being deleted as well as a copy of my drivers license and social security number. 
Pursuant to the FAIR CREDIT REPORTING ACT, I EXPECT YOU TO COMPLETE THE REMOVAL WITHIN 30 DAYS. Please send my accurate report as soon as your investigation is complete. Pursuant to 15 USC 1681 ( a ) ( 4 ) of the Fair Credit Reporting Act all credit reporting agencies should report 100 % accurate. Pursuant to 15 USC 1681b I did not give permissible purpose as the consumer to furnish this false information. Failure to delete these accounts is a violation of my consumer rights and I will hold Transunion civil and criminal liable for non compliance pursuant o 15 USC 1681n of the Fair Credit Reporting Act.
Consumer complaint received 2023-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-22
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. (MO)

i went to get all my credit scores and trying to figure out why I cant get a loan, a vehical, rent a home, a credit card, get a job ... like I'm XXXX  for the second time ... I have my identity leaked over the internet, all of the reports are wrong, I need a experts help please.
Consumer complaint received 2019-09-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

On XX/XX/2018 I was very ill and needed an ambulance. I have a XXXX XXXX card which I get every year. XXXX XXXX picked me up at my home and then called for a Paramedic unit to meet them along the highway. At the time I did not know what Paramedic unit showed up but 2 paramedics got in the ambulance. I went to XXXX XXXX   XXXX in the XXXX XXXX. A few months ago I got a call from XXXX XXXX XXXX telling me I owed them money. I asked what for and they told me my insurances would not pay the bill for them showing up to go along to the Hospital. I asked how much the bill was but they said they would send me a bill but they never have. They told me my insurances would not pay them because they do not have a working contract with XXXX XXXX. I said well then you should have not showed up, I didn't call for any Paramedic unit XXXX XXXX did so let them pay the bill. You knew you had no working contract with XXXX so you want me to eat your mistake? I said I am not paying the bill. I told them I have had to go in the XXXX XXXX  but my insurances always paid for the Paramedic unit that came also, but they all work with XXXX XXXX. I think, just my own opinion, this Paramedic thing is a scheme. To this day I have not received a bill from XXXX XXXX XXXX. Then about 2 months ago I got a call from XXXX XXXX XXXX telling me they are a debt collection co. trying to collect a debt from me. I asked who the debt was for and how much was it. They told me it is for XXXX XXXX but would not say how much it was for. I told them I was not paying the bill and proceeded to tell them why and they hung up on me. About a month ago I got another call from XXXX XXXX XXXX asking me if they have the right address for me because they will be suing me and taking me to court and garnishing my wages and so on and so on. I tried again to explain why I am not paying the bill and she got very nasty and just kept repeating my address over and over. Finally I said yes that is my address. Just in the last few days this showed up on all my credit reports and that is how I found out the amount they want me to pay. It is {$420.00}. My credit took a big hit. I refuse to pay this bill for something that was not my fault.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

After paying {$400.00} dollars ( {$8.00} per day ) on XX/XX/XXXX or XXXX, I emailed the 53rd investigation asking them to temporarily suspend my account in order to understand just exactly what they were charging. I only received the standard " Do Not Reply '' email. 

On XX/XX/XXXX, I went to the XXXX XXXX location and paid another {$270.00} in order to CLOSE the account and to stop the bleeding. Bank Receipt information follows : XXXX/XXXX/22 XXXX pm Teller : # XXXX BC : # XXXX REF : # XXXX As of today - XX/XX/XXXX - I still have not received any mail or emails from 5th 3rd bank ). Customer service rep said I had to go to local bank for letter to ( now ) stop doing business at 5th 3rd.bank. 

This was my rarely used business card for XXXX XXXX. Please cross-reference this complaint with DOJ regarding XXXX. This bank is partnered with XXXX. Thank you.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX my son received a Vanilla gift card in the amount of {$500.00} for his high school graduation. He also received another one in the amount of {$250.00}. He did not open the cards right away as he was saving them for a special occasion. In XXXX of XXXX he tried to use the cards and they were declined. After getting on the Vanilla gift card website and checking the balance and looking at the transactions, he realized the card had been compromised. that same day I reached out to Vanilla gift card making them aware of the scam activity and they told me to file a dispute, which I did. I was told the process would take a maximum of 60 days and have been told several different dates I would receive a replacement card in the mail. I just got off the phone with them again and now they are saying the case has been closed and I never received the stolen money back. 

The first XXXXXXXX XXXX XXXX case # XXXX The second case # XXXX
Consumer complaint received 2022-09-01
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. (CA)

I'VE BEEN REQUESTING THAT THE CREDIT BUREAUS VALIDATE THESE ACCOUNTS REPORTING TO MY CONSUMER REPORT AND ALL THEY DO IS SEND ME A RESPONSE SAYING THE ACCOUNTS WERE VERIFIED WITH NO PROOF. THIS HAS GOTTEN VERY ME VERY ANGRY AND UPSET BECAUSE I KNOW THEY ARE NOT FOLLOWING THE LAWS THAT I'VE BEEN READING AND VIOLATING MY RIGHTS AS A CONSUMER.
Consumer complaint received 2022-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (TX)

Citibank has called twice a day, everyday. They never leave a voicemail. And it is only because my most recent payment is late. It was due on XX/XX/2021. Citibank does this every month, even if my payment is just a day or two late. It continues until I make a payment.
Consumer complaint received 2023-12-04
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (LA)

I placed an order with XXXX XXXX  ( Comenity Bank ) around XX/XX/23 totaling {$100.00}. I was given a credit card with a {$500.00} limit. I received my first bill in late XXXX indicating that {$30.00} was due by XX/XX/23. I set up payment from my checking account and sent my first payment of {$30.00} on XX/XX/23. In late XXXX, I received my second bill showing a balance due of $ {$130.00} indicating no payment had been received. I called number listed on my bill but kept getting recordings, I requested my account be closed on this automated system. I tried calling the order number and asking for someone in billing. I talked with someone who stated the payment was probably late since it takes XXXX days to get to them. I informed him that even if it took that long it should not have been late. I was put on hold and told that the payment had been received and they had removed the {$30.00} late fee and I owed {$76.00}. I was also told that I needed to add Comenity Bank to the name on my XXXX deposit so that the payment would be credited correctly, which I did. I was shocked when I received my bill due XX/XX/23, where I was charged a late fee of {$37.00} it showed my first payment had been received on XX/XX/23. When I called I was told that there was no way to guarantee a payment to be on time unless paid through there system. I made the {$37.00} but filed a dispute on my balance. They say after reviewing their records they located my payment pm XX/XX/23 and that I owe the late fee. They claim I now owe {$50.00}. What i really owe is {$7.00} plus interest. As of XX/XX/23 they say there is nothing they can do. I am refusing to pay the Late fees because I know all payments were on time.
Consumer complaint received 2022-01-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Today XXXX XXXX, I received a call from XXXX ( which I found out too late that it was a scam ) at XXXX call came from XXXX. The person on the other end told me that I was passed due on my light bill and this was their last attempt to contact me before they shut off my power. They told me that they needed {$330.00} today in order to keep my lights on and that XXXX had sent out a letter that needed to be filled out because they have a new way of processing now by using Zelle. ( I'm such a fool ). I sent the {$330.00} and then they proceeded to tell me that because I was delinquent that I needed to put down a {$500.00} deposit and will be reimbursed in 90 days as long as I stay current on my bill. They gave me a confirmation number and a phone number to send it to... XXXX. I just had a XXXX XXXXXXXX XXXX and I was on medication and was not thinking clearly.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. XXXX will not remove it even though the account is fraudulent.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (OH)

The information that they provided to me is wrong. They never told me how they came up with the findings or how they think that I am not a victim of identity theft. The delinquent charges of {$480.00} are because I was a victim of identity theft and they continue to charge me for an account that was affected and misused because of identity theft. I have been a victim of identity theft and if they keep on charging me for an account that isn't mine. I will be suing the Huntington National Bank. This is a warning of my plan to sue, if they don't correct this information, I will be suing them for not doing a thorough investigation and breaking down where they found their finding on how my account isn't a victim of identity theft.
Consumer complaint received 2019-12-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX & XXXX Inquiries : XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries.
Consumer complaint received 2019-12-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit are up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and all need to be deleted from my credit report : XXXX XXXX. Inquiries : XXXX & XXXX XXXX
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, Equifax, And XXXX have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TN)

I signed up for a free trial of Banana Republic Style Passport in XX/XX/XXXX. According to the Terms and Conditions, I clicked on the link in my membership profile to cancel, which led me to a screen saying if I would like to cancel I need only to send an email to XXXX. I have been a long-time shopper at Banana Republic but realized this subscription service wasn't for me. 

I sent the email to cancel my free subscription on XX/XX/XXXX. This email should have executed the cancellation per Banana Republics Terms and Conditions. On XX/XX/XXXX they sent an email back asking me to confirm the email address with the account I would like to cancel, so I responded to confirm. They sent me a third email with a list of offers for me to stay a member with the last line of the email being if I would still like to cancel to send an email. The Terms and Conditions do not state that in order to cancel I need to send multiple emails to Banana Republic. I sent the initial email saying I would like to cancel and my subscription should have been cancelled at that time. 

Banana Republic charged me monthly for {$81.00} from XX/XX/XXXX- XX/XX/XXXX. This equates to a total of {$1400.00}. 

I opened up a dispute with Synchrony Bank who runs the Banana Republic cards. The dispute what closed after Banana Republic sent pictures of emails that was sent to my address about " Style Passport '' as proof I should have known I was still a member. 

Synchrony Bank told me that because I did not send in a letter or my own documents with proof of my initial cancellation email that the dispute was closed. It was not made clear to me that I needed to follow up with documentation proving the email was sent. 

I have opened up a second dispute after calling Banana Republic directly to discuss on XX/XX/XXXX, when they said they can only repay the last four months of charges.