davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2021, XXXX XXXX Visa card services were changed to XXXX Barclays Master Card. Theoretically, all credits and debits and other information from a Visa card holder were transferred to the Master Card on that date. In fact, they were not. The regularly scheduled pay date for my Visa account was on the XX/XX/XXXX of each month whereupon it was drawn from XXXX XXXX account automatically on the XX/XX/XXXX. Apparently, because my regularly scheduled pay date occurred on the same date as date of the conversion of Visa card holders to Mastercard holders, it was not effected and recorded. Moreover, a XXXX XXXX product return in the amount of {$10.00} that occurred close to the XX/XX/XXXX was similarly not transferred from my Visa card to my Mastercard.

Because those transactions ( and possibly others? ) were lost in the process of converting from Visa XXXX to Barclays Mastercard, Barclays automatically charged my new Mastercard account a late fee of {$29.00} and a Past Due fee of {$35.00}. When I tried to make a payment of {$5000.00} on my Mastercard account balance of {$6100.00}, the Barclay 's software responded that I could not make a payment for more than I owed.
Consumer complaint received 2019-11-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (MS)

I have sent a letter to stop calls and communicate through mail. But everyday I get 2 to 3 calls an hour and if its sent to voicemail they hang up and call right back. They never leave voicemail messages and they alway call from random numbers thats not related to the company or unknown number.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

A deposit in the amount of {$1700.00} on XX/XX/XXXX. The first time I used this card was at the UNITED STATES POSTAL SERVICE for {$11.00} then my remaining balance was XXXX there's no transaction for that {$100.00} that was gone, all of the other withdraws state the balance after I withdraw the money. I just want to know where is my {$100.00} that's not accounted for
Consumer complaint received 2022-05-26
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. (AL)

n accordance with the Fair Credit Reporting act 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 and XXXX XXXX XXXXXXXX # 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-05-26
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. (AL)

n accordance with the Fair Credit Reporting act 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 XXXXXXXX and 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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within XXXX  days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information. 

Sincerely,
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: WELLS FARGO & COMPANY (OK)

Wells Fargo ( XXXX ) To : you ( Bcc ) + 1 more Details Wells Fargo logo Validate your email address now Your Email verification is required to continue using the service, validate your email to avoid loosing your account service. Wells Fargo Online. You have 1 day ( s ) to validate your email address or your online account access will be canceled.

How to update your email address : Simply sign on to your account at www.wellsfargo.com/security & support/contact-information/ and follow the instructions to enter your 6 digit validation code. Entering the code below will validate this email address. 

Validation Code : XXXX If you have any questions, we're available at XXXX, 24 hours a day, 7 days a week. 

wellsfargo.com | Security Center Please do not reply to this automated email. Sign on to send a secure email. 
XXXX
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (MD)

I received a {$20.00} maintenance fee on my checking account this month which violates Truist 's banking policy. Every month I receive more than {$3000.00} IN DIRECT DEPOSIT from the VA. I am a XXXX XXXX XXXX veteran. I have been getting this deposit for years. Truist customer service claims I did not get the VA money on XX/XX/XXXX which I clearly did because it is on my statement. The money was clearly deposited by the US government on XX/XX/XXXX. They lied and refused to return my money. This bank steals money from veterans and their call center is not in the US. You will get no help.
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I contacted The XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) regarding late payments inaccurately shown on my report from XXXX & XXXX of XXXX. I spoke with a rep named XXXX to advise that based on The CARES Act the payments during Covid should not have been reported as late. I was assured that the information was being sent to the necessary department to have the information updated. I was also promised an email confirming the same. As of today, XX/XX/XXXX, I have not received any email with that information and the payments still incorrectly show as being late on my credit reports. I contacted the company again and was transferred twice to an automated system about requesting a security freeze or my credit report ( which is not what I am requesting ).
Consumer complaint received 2021-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

Hi On XX/XX/2021. I faxed HSBC for a Lien Release on 2 of my vehicles. Which I have attached the titles of. I still have not received and email or call about these vehicles. I then again sent a fax a few days later. Still nothing. I then called a local branch of HSBC. And was told that was the correct way to request a lien release or to email XXXX. So I did that. Still nothing. I am in the processes of selling our business and need these lien releases yesterday!!! Please Help! 
Sincerely. 
XXXX XXXX
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am applying for homes and Appt and fraud is on my account. I have never committed fraud and unsatisfactory credit is n my account. I have not gotten anything on my credit IIm 10 years why are things still lingering on my credit from ten years go
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The ethos of 15 USC 6802 ( b ) ( c ) stipulate that a financial institution, such as the furnisher of information to credit agencies, can not disclose nonpublic personal information to a nonaffiliated third party without informing the customer of their nondisclosure option. Yet, I was never enlightened of my right to exercise this optionXXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXX  Balance : {$17000.00}, XXXX XXXX Date opened : XX/XX/ Balance : {$0.00}.
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

I recently signed up ( less than a month ago XX/XX/2021 ) for Bank of America.s XXXX credit card promising benefits upon purchase of an XXXX ticket. I was extremely disappointed not to get any of the benefits upon purchase. Such as an automatic upgrade. I called BoA and XXXX. They could not give me those benefits. XXXX said I must wait until I get my card even though the advertisement was for immediate benefits. 

Despite these issues I kept the card, and a few weeks later, I went to pay my Bank of America bill. Upon viewing my account, I found BoA had already charged me an Annual fee of around XXXX dollars. I found this quite inappropriate, because I havent had the account even a month or even received the card in the mail. It seems unethical and unfair to charge an annual fee in the first billing cycle, especially because BoA had never declared this in writing. In addition the annual fee name is deliberately misleading to customers, who would assume, like other credit cards, the fee would be charged approximately 1 year past opening the account. I called BoA and they said there was nothing they could do. I find these practices misleading and unethical.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NM)

In XX/XX/2019 I put a freeze on my Equifax because of a security breach through the credit reporting agencies. Today, XX/XX/2019, I went to unfreeze my credit report and when I went to log in to my Equifax account, It wouldn't allow me. So, I requested to reset my password and they said to check my email. I never received an email, so I requested it again. I never received an email the second time. I called Equifax and the recording said I had to answer some security questions before I could speak to an agent. I could not understand some of the questions the automated service was asking, so I failed the quiz. I was able to choose the option to speak to a representative and they said there was nothing they could do for me because I failed the automated quiz. I asked to speak to a supervisor and she said the same thing. I asked to speak to a manager and she transferred me to XXXX, the manager. He quizzed me and asked for my address, social security number and multiple questions about student loans, department store credit cards and their minimum payments, honestly, about 15 questions and then asked me what my employment was listed on my Equifax. I told him my last 2 employers and that I have not worked in 10 years. He said I failed the quiz and he could not help me unfreeze my report. I gave him 100 % correct information as I was looking at my credit report! Aside from having to speak to 3 people and each telling me that I failed, I should be able to unfreeze my credit reports without having to contact anyone. They literally have my credit held hostage! We are getting ready to get a home improvement loan and I don't have access to my credit reports!
Consumer complaint received 2021-10-01
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: Medical Data Systems, Inc. (GA)

I have been disputing Medical Data System from my credit report. It is a medical bill and it has been violating my rights under HIPPA. They do not have my signed HIPPA authorization form stating that I gave them permission to report this to my credit report.
Consumer complaint received 2019-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX I checked my online checking account with Webster bank and noticed in amount of {$67.00} taken out of my checking. It showed a purchase date of XX/XX/XXXX. And a cleared date of XX/XX/XXXX. The transaction shows it was taken out by XXXX XXXX XXXX XXXX XXXX. Phone number XXXX upon noticing this transaction I immediately called my bank and told them about fraud. I told the to cancel the card and sent me a ATM debit card in the mail as I put in a fraud claim. They came back to me about 10 days later and denied my claim saying my IP address was used the security # on the back of the Visa debit card was used and my House address was given. They sent me an e-mail stating they denied me and to fax 7 questions over to them to reopen the claim so I did. So I also went down to the police station and opened up an identity theft fraud case due to the fact they told me my IP address was used. And then today on XX/XX/XXXX I received another denial letter telling me that my IP address was used in my home location and somebody I know must have made a transaction with my card. I have never authorized anyone but myself to make transactions and I did not authorize that turns action I did not do that transaction. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. They never gave me insurance money in the meantime to cover it and they told me that they have 90 days to come out with their final denial I told them that doesn't seem correct and why I wasn't given the insurance while they went through the case. I never made this transaction I still am fighting this tooth and nail it is all the money that I own at this current time. I have received two denial letters about 3 weeks apart.
Consumer complaint received 2024-04-17
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Management Solutions, LLC (MD)

On XX/XX/year> I contacted the collection agency FMS Financial Solutions at ( XXXX ) XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, MD, XXXX or XXXX XXXX XXXX XXXX, MD XXXX. I am writing to express my deep dissatisfaction and frustration with the unprofessional behavior dispalyed by XXXX XXXX XXXX, a representative during my recent phone conversation interaction regarding a deby payment resloution. 

I was trying to discuss potential options for resolvinng a debt that I currenlty owe with FMS Financial Solutions. However, instaed of providing assitstance or offering constructive solutions, XXXX XXXX XXXX exhibited disrespectful and unhelpful conduct throughout our conversation. Not only did XXXX XXXX XXXX fail to listen attentively to my concerns, but he also displayed a dismissive attitude and showed no willingness to explore possible payments and go over deletion options once this debt was resloved. I even requested to speak with a different representative and XXXX XXXX XXXX said he wouldn't transfer the call and that I would have to hangup and call back. Furthermore, his abrupt decision to terminate the call by hanging up on me and my husband without any explaination was both rude and unacceptable. 

As a customer seeking assistance in fulfilling my financial obligations, I expected to be treated with dignity and respect by a person that is representing FMS Financial Solutions. Unfortunately, the behavior demontrasted by XXXX XXXX XXXX fell far short of thse basic expecations. I firmly belive that effective communication and professionalism are essential components of any successful business interaction. Regrettably, my experience with FMS Financial Solutions representaitve XXXX XXXX XXXX has left me feeling deeply disappointed and dissatisfied. In light of this incident, I urge you to take appropriate action to address the behavior of this representative and this isn't the first time that XXXX XXXX XXXX has had issues with how he treats clients with all the complaints online with this same individual.
Consumer complaint received 2022-05-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (TN)

Our property taxes for the year were {$970.00}. 
There was {$4600.00} in escrow. 
Lakeview ( XXXX XXXX ) claims to have disbursed {$6200.00} to the city and the county, who have not received payment. 
I subsequently paid {$1000.00} out of pocket per an end of the year tax bill. 
The city and county tax divisions do not record any other debts paid on the property. 
Because Lakeview claims to have disbursed {$6200.00}, they now also claim that our escrow account balance is- {$1500.00}, and have increased our monthly payments by {$340.00}. 
This is a new build home that closed in XXXX. The property taxes did not total $ XXXX for the entire year and were estimated at {$3400.00} at the date of closing.
Consumer complaint received 2021-10-01
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. (TX)

1. XX/XX/2021 - Collection appeared on Transunion credit report from XXXX XXXX XXXX XXXXXXXX ( Original creditor - XXXX  ). I have no affiliate with neither XXXX XXXX XXXX XXXXt nor XXXX. 

2. XX/XX/2021 - Contacted XXXX XXXX XXXX XXXX for evidence but was not provided any 3. XX/XX/2021 - Filed complaint against XXXX & XXXX XXXX with XXXX  4. XX/XX/2021 - File dispute with Transunion to remove erroneous information 5. XX/XX/2021 Transunion sent closed dispute stating that the information was verified and accurate XXXX. XX/XX/2021 A Desist and Refrain Order was placed against XXXX XXXX XXXX XXXX by The Commissioner of Financial Protection and Innovation I have no additional evidence as this account does not belong to me.
Consumer complaint received 2021-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have been disputing this account for some time now with PORTFOLIO RECOVERY. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Consumer complaint received 2022-05-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Paypal is knowingly allowing theft and fraud to occur on their platform. I was involved in an identify theft and phishing scam through XXXX XXXX on XX/XX/XXXX which involved sending money through paypal. This should be case number : XXXX I notified XXXX within 2 hours of discovering the scam and asked them to stop the transaction. I provided details as well as photos and conversations including a photo of the perpretrator admitting through Paypals communication platform that he/she was not the intended recipient of said transaction. The phone call to Paypal support was outsourced to an Eastern country. They said they would investigate and I would hear back, my instinct could tell they were just trying to rush me off of the phone rather than actually do something about it, I escalated to a manager, and was promised return phone calls or an email resolution. Through persistence I got a manager on the phone, I asked for reference numbers for investigation as well as proof of an SAR suspicious activity report. Turns out there would be no SAR submitted which is a federal law through Dodd Frank as well as Bank Secrecy Act. When I did hang up the phone I received an email almost immediately that investigation was concluded. After completely giving up on Paypal following federal guidelines I called my bank and put a block on the transaction. Paypal is now harassing me sending me emails and letters that I owe this money. I want paypal investigated for encouraging/enabling fraud as well as noncompliace with Dodd Frank submission of SAR and other mandatory fraud and AML compliance documentation.