davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Balance reverse from Bank of America checking account XXXX XXXX XX/XX/XXXX 2 times 2.XXXX  XXXX XXXX XXXX two times XXXX XX/XX/XXXX overcharge 3.unknown charge anything after XXXX XX/XX/XXXX anything it said agent assisted payment i dont recognize the amount XXXX XXXX XXXX cash XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX agent assisted XXXX dollar XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX dollar agent assisted Credit card end XXXX and XXXX have a lot issues .all cash advance fee charge more than 2 year am not sure but few here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Theres transactions said XXXX  sch payment not recognized XXXX XXXX XXXX dollar card XXXX and XXXX XXXX XXXX XXXX XXXX XXXX card XXXX 3.double charge aldezz XXXX XXXX XXXX bank charge overdraft fee over charge bank XXXX XX/XX/XXXX = {$34.00} 6 times charge but refund and reverse back and refund again back and forth 2.Busines account take money XXXX dollar deposit on checking account reverse and return back money to business account XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX. XXXX XX/XX/XXXX from business to checking = {$50.00}, {$100.00}, {$100.00} and XXXX XX/XX/XXXX = {$100.00}, {$200.00} XXXX XX/XX/XXXX from checking to Busines account XXXX XXXX Business account monthly fee over charge XXXX two times reverse and return back the money to bank XX/XX/XXXX and XXXX XX/XX/XXXX XXXX XXXX & XX/XX/XXXX transfer from Busines to checking account 2 times XXXX and XXXX XXXX XXXX XX/XX/XXXX = {$50.00} XXXX. XXXX 2 times charge {$500.00} and XXXX XXXX XX/XX/XXXX = from Busines to checking {$70.00}, {$150.00}, {$400.00} XX/XX/XXXX and XX/XX/XXXX {$200.00}, {$50.00}, {$100.00}
Consumer complaint received 2019-11-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2019 my checking account was short of fund for a couple of bucks ( less than {$50.00} ) for the last 2 hours and after that really short time, I did fund my account, as I always do ( I do have a link savings account ), and direct deposit also. Then, to my surprise on XX/XX/XXXX TD bank charged a fee of {$14.00} because of an insufficient fund that I actually trying to figure out if after 20 plus days TD Bank can do that retroactively, because of my two accounts with them have enough fund since then.
Consumer complaint received 2022-05-31
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (DE)

I opened an account in XX/XX/XXXX with ToysRus/ Synchony Bank . I tried making several payments inXX/XX/XXXXand XX/XX/XXXX on this new account. Both payments were returned to me as the new account was closed. I called customer services of ToysRus/ Synchony Bank to complain that my payments are not being accepted. I was informed by customer services that my original account was inadvertently closed and that I will be issued a new account. I was issued a new account ( # XXXX ). I made a payment inXX/XX/XXXX via customer services. XX/XX/XXXX I was notified that my account was delinquent. This mix up with my account with ToysRus/ Synchony Bank is more their doing, as I made attempts to make payments and they closed the account unbeknownst to me. My credit has recently declined because this account with ToysRus/ Synchony Bank is listed as a delinquent account.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX
Consumer complaint received 2020-12-20
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. (GA)

I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.
Consumer complaint received 2022-05-31
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. (PA)

The following accounts are reporting by Credit Reporting Agencieswithout my consent or written prior authorization. 

Pursuant to 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. 



XXXX XXXX XXXX, south carolina for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, south carolina for XXXX XXXX 
XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-02
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: First Credit Services Inc. (TX)

XXXX XXXX  XXXX membership was cancelled properly WITH notice due to a move. According to that specific Gym 's policy moving outside the supported radius with sufficient notice was all that was required. That was done correct & the Gym itself was in agreement. 

However the account was incorrectly placed in collections & the collection agency refused to abide by those guidelines. This should NOT be on my credit report.
Consumer complaint received 2019-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

On Friday XX/XX/XXXX, I reached out to Wells Fargo to upgrade my credit card to their Cash Wise with the same line of credit that I have had since I was a XXXX in college, 6 years ago. I clearly stated that I wanted it to be an upgrade of the current line of credit as the line I had with Wells Fargo was my oldest line of credit. The person I spoke to ensured that I would be under the same line of credit since everything was done in house. The employee stated I qualified for an upgrade, and I went through an application process. They said they would close my account and open up a new one, but they at no time said this also meant I would have my credit line closed and receive a hard inquiry on my credit score. This significantly impacted my credit score with XXXX and XXXX. I feel Wells Fargo either deceived me or gave me false information pertaining to my credit card upgrade as I would not have approved of the upgrade if I new it would lead to the closure of my oldest line of credit. Wells Fargo is already notorious for illegal practices, and I should have known they would willing deceive me for their own benefit.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

The information stated the card provides a {$100.00} credit towards the XXXX XXXX application. I called to get the reimbursement and they are telling me my card does not offer that even though everything I saw stated it does. I asked to have this rectified and be reimbursed for the {$100.00} application and they are still not doing so. I asked to file a complaint and have someone follow up with me and was told they would not. Please provide the {$100.00} fee reimbursement to address this issue. Thank you.
Consumer complaint received 2017-09-21
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: AMERICAN EXPRESS COMPANY (FL)

My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.
Consumer complaint received 2022-06-20
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NC)

I get a monthly statement from Citi every month stating that my minimum monthly payment is {$650.00} a month. I am attaching a copy of the statement which is similar to the one we get each month. I pay the {$650.00} religiously ( before the due-date ) each month, but despite that, Citi reports that my account is past due. I am also attaching a statement illustrating that I have made timely payments each month, going back to XX/XX/XXXX until this month ( XX/XX/XXXX ). Over the course of that time, Citi has erroneously reported me delinquent when they should have reported me in good standing.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section XXXX which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

I notified via email that i was disputing a charge I had paid with my debit card ( compliant to regulation E ), the product/service was not as described or listed. I sent the initial email on XX/XX/XXXX. On XX/XX/XXXX, I received a phone call from a woman named XXXX, stating they would initiate the dispute and communicate in writing. On XX/XX/XXXX, I had not received any letters, paperwork, or seen the dispute initiated in our bank account. So i sent a follow up email on the matter. I had not received a follow up by XX/XX/XXXX, so i opened a claim with the XXXX. On XX/XX/XXXX, I received a call from XXXX again at 53rd, stating that it was being placed in dispute. So from XXXX ( XXXX Calendar Days & XXXX business days ) I had not seen anything on my account or received an email/letter around the transaction. On XX/XX/XXXX, I received a response to my XXXX claim electronically & then a follow up call, now from a gentleman named XXXX. The response via the XXXX  was from XXXX XXXX with 53rd Bank, and she sent documents that were mailed on XXXX & XX/XX/XXXX. However, they mailed them to a very old former address on file. I confirmed with the bank 's customer service that my address was and had been updated in their system. I received the letters via mail forwarding in once on XX/XX/XXXX and again in early XXXX. However, in their response on XX/XX/XXXX, I was able to print them and complete. I sent them via email to the XXXX on the XXXX and again on the XXXX. On XX/XX/XXXX, I received a XXXX  response from the bank that the Chargeback had been filed with the merchant on XX/XX/XXXX. So the charge back was initiated with out any documentation that i completed, furthermore a previous response says the documents were mailed on XXXX ( to an old address ). I am unsure how they file a chargeback the same day they send me the documentation to complete, in order to file it? Beyond that they continued to send the same response via the XXXX messaging. The dispute had been opened and to allow 90 days. They did not address my concern at all of not having my documentation on file. So fast forward to XX/XX/XXXX, I received no letters, no communication, since XX/XX/XXXX. I see that my checking account was disputed the provisional credit. I have not been provided any information around the dispute and why this was done. The bank has confirmed they have my correct address on file, my email address, and phone. I received no notice of this happening. I sent a rebuttal to the XXXX around my concerns & issues with how this was handled. I have had nothing resolved. I had photos, documents, etc pertaining to this dispute case all to find out that it was sent for a chargeback the day they mailed forms to my old address. What can be done about this issue?
Consumer complaint received 2020-12-20
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: EQUIFAX, INC. (GA)

I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (FL)

I tried paying off my Grain account on my app, the only way to make payments and withdraws, back in XX/XX/XXXX. I made a large payment on XX/XX/XXXX to pay off this account. I submitted the payment with the option " pay full balance. '' On XX/XX/XXXX, Grain took an auto-debit payment of {$1.00} from my bank account to make its regular payment. I saw the email and logged into my app to see I somehow have a balance of {$48.00}. I am not sure why as I made the " full balance payment '' on XX/XX/XXXX. I went ahead and decided just to pay the {$48.00} to have this account paid-in-full. I went into the payment screen on the app and hit the plus button that says " make a payment. '' Once I selected that, it showed a " Full balance '' of {$0.00} but a " Past due balance '' of {$18.00}. Now I see I was charged another {$1.00} in late fees. Not understanding why because I originally paid the entire balance in full on XX/XX/XXXX and the account is on auto-debit, so even if there was a balance it should've been automatically paid. Not willing to fight this, I tried making the payment anyway just to get it out of the way. When I went to make the payment, it wouldn't allow me because it still showed my " full balance '' of {$0.00}, so it would not let me pay on a {$0.00} balance account, but right under it shows " past due balance '' of {$18.00}, and under that shows " total balance '' of {$48.00}. But, it wouldn't let me pay the balance. I get an email XX/XX/XXXX saying " A bank transfer of {$1.00} from your XXXX XXXX XXXX CHECKING account to your Grain credit account has been initiated on XX/XX/XXXX, '' which is the email I get whenever Grain takes an auto-debit out of my account. How? My " full balance '' shows {$0.00} and I can not even pay anything on it. Then I log back into my account on XX/XX/XXXX and see interest of {$0.00} was charged and another {$1.00} in late fees because of a now {$16.00} past due balance. All I am trying to do is get this account paid in full. I contacted Grain 2 times over the past few weeks via their online contact us form inquiry and there has yet to be a response. There is no phone number to call to talk to customer service or no emails listed, only the online form inquiry. I am worried that eventually it will hit my credit report as being 30 or 60 days late when I have 0 control over it. In addition, my credit report shows my Grain account has a {$1.00} balance. Which is true? Do I actually owe {$48.00} or do I owe {$1.00}? Why do I have a past-due balance but I am on auto-debit and I can not make a regular payment myself?
Consumer complaint received 2020-12-20
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. (NC)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX sent a lot - and I mean A LOT - of false info to a lot of companies! 

Those problems were reported to XXXX, XXXX & TransUnion in XX/XX/XXXX! 

Those problems were reported - again - to XXXX, XXXX & TransUnion in XX/XX/XXXX! 

Now - in XX/XX/XXXX - some of my XXXX XXXX Benefits r being delayed because of crimes committed by XXXX, XXXX & TransUnion! 

That is outrageous! 
XXXX XXXX Benefits r largely about transportation! 
I need that because of dis-abilities! 

Think about how abusive XXXX, XXXX & TransUnion have been with those crimes!
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (DE)

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (PA)

I obtained several Digital Prepaid Visa cards [ XXXX XXXX XXXX ] through the XXXX rewards program, and all of the cards would be applied to my digital wallet via their website where I can view the cards and balances and transactions. I currently have six cards active and have been using and viewing the cards balances online. Recently I used one of the cards to a XXXX XXXX  application for XXXX. After I entered the information and XXXX accepted it. I went to log into my XXXX  account again to check my balance and was surprised to find that the card disappeared from the list of prepaid cards. If I did not specifically look for that particular card I would not have noticed it disappeared from the relatively large list of cards that I have. I am currently contacting the company regarding this but no one is picking up the phone currently. But this is a huge breach of trust a financial company can inflict upon a customer, to remove a card without any notification or clue or email, so that the customer will not notice and take action because it is not listed in their account anymore and easily unnoticed from the list of cards they currently have. Such a company can profit out of this because they will obtain all the funds on the card once it has expired in 6 months all without the customers knowledge. Such a practice must be reported and brought out to light or financial companies will take advantage of customers trust through practices such as this in which customers have no control over.