davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (MI)

This bank has called a total of 19 times, Im not the person they are trying to reach. Wrong number or perhaps Ive been givin a phone number of a past customer. However I owe these people nothing.

Im a senior citizen, my calls are lotted, every time they call it goes towards my minutes.

Please have them not call me number any further. Again Im not the individual they are looking for.

Thank You
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (NY)

American Express canceled Delta Sky Miles credit card because I complained about being unable to read the account number of the back of the card. XXXX cancelled the card without any notice or any information on rights of appeal on or about XX/XX/2021. 

I called Amex customer service to request a review of this decision but was summarily rejected. The representive who answered my call alleged that I had violated XXXX rules regarding customer abuse, but offered no access to information on the offense such as dates, recordings, reports, or any other substantive information on the process. I was told twice that I could only receive further information on the alleged offense only with a subpoena. 

I told the customer service agent at XXXX that I was XXXX years old when I received the card with the number embossed in light gold on a background of deep purple ( Delta 's colors ) and that I had difficulty reading the card because of age. I also made clear that I had been upset with a Delta representative who implied that I should have been able to read the card even though I wear prescription reading and long-distance glasses. It was a brutal conversation and humiliating experience. 

Moreover, I believe the XXXX decision was both ageist and ableist. I admit that I was quite upset about the decision and made my concerns adamantly clear in my conversations with XXXX. All I asked for by way of a resolution was a card that I could read with a magnifying glass and a high-wattage lamp. The representative added to the injury with a patronizing stance and without mentioning any options for further review and a possible refund of my annual {$550.00} fee. 

That's it. Arbitrary, nasty, ageist, and ableist, yet no route for review or appeal.
Consumer complaint received 2015-10-22
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (NV)

I have a Rushcard that I use to make Direct Deposits for on my payroll every 2 weeks. I received an email that they were having some maintenance done with their website on XXXX/XXXX/15. On XXXX/XXXX/15 there was another email stating to take any funds out of the card just in case it was needed while the maintenance was still in progress. I had no funds in there at the time. On Wednesday night XXXX/XXXX/15 my direct deposit was supposed to hit my account and then I usually withdraw the funds the next day. Since XXXX/XXXX/15, I have not been able to get my funds out of my card. My card says my account is inactive. The website will say my funds are there but then the day after it would show as XXXX dollars.When calling the company for more information it either rings and hangs up, or when they answer it is a " our systems are down '' speech and unable to see your account please call tomorrow. I have relentlessly called them every day twice a day, on hold for 3 hours, emailed them over 20 times to their email address XXXXXXXXXXXX. I have XXXX messaged them over 30 times. Then on Sunday XXXX/XXXX/15, my account stated my deposit was there on another card I had previously but that one expired on XX/XX/2015. Since then they issued me a new caed which expires in 2018. This is still the case. I can not access my funds in any way at all. I get nothing but no explanations on the phone when you speak with agents. They are not in XXXX but outsourced from XXXX. They say they will call you back but they do n't. I still have not had any of my money returned to me since this has happened and there should not be any excuse for them not to update the card with the money unless they have taken it and are not saying so. My livelihood depends on my payroll checks, If I do n't have then bills will not get paid, there will be no food on the table, I take the bus to work so no bus fare, and my dog whom i love very much has no food to eat as well. I do n't have it as bad as the XXXX people who have been affected by this. But it is still my earnings that I worked hard for and I should not have to wait for them to give me what is rightfully mine. I called my HR payroll department and because it was posted as " received fund '' from Rushcard as it seemed to be an open account at the time, they are unable to reverse the money to cut me a live check. I am one of the many who needs this to be corrected and as soon as I am able to I am going to take all of my money and burn the Rushcard into ashes. But in the meantime I still need my money and it has not been resolved. This is not how a business is run especially if involves money and banking. If this was just a technical issue then there are ways to get the money back. They could issue checks. They could issue money orders. But instead they ignore our emails, avoid our calls, lie to us on the media, and the contract says no arbitration allowed. There has to be some justice done to get this corrected.
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (MA)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

On XX/XX/2021, I spoke with XXXX XXXX at who explained this account for {$150.00} from XXXX belongs to me. I attempted to validate the account with him, but our information did not match. I explained I will need a copy of the signature on file showing I signed for this account.
Consumer complaint received 2021-09-29
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. (MA)

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Consumer complaint received 2022-08-16
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. (NJ)

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, SXXXX XXXX account # XXXX, XXXX XXXX associates account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX have 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 2022-12-03
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. (SC)

Hi, I have reported these errors and asked all three credit bureaus to validate my accounts! they still have accounts showing that are not correct, I also have a very common name and have had this happen in the past due to it. Please help with this thank you very much. 

In accordance with the Fair Credit Reporting Act these accounts have violated my rights 15 U.S.C 1681 section 602 A. States I have a right to my 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 XXXXValidate Account XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX  XXXX Validate Account XXXX  XXXX XXXX Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX  XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXX Validate Account
Consumer complaint received 2022-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I recently paid off my mortgage with Citizens - XXXX balance. No issues there. Then I accidently sent another large payment of $ XXXX ( intended for another mortgage ) to Citizens on XX/XX/XXXX. After realizing my error two days later I called Citizens to notify them and understand their procedure. I was told that since the balance was XXXX, they would be mailing the check back to me. Instead deposited the check on XX/XX/XXXX and posted it to the account under suspense. On XX/XX/XXXX they XXXX  out the account again. After multiple calls with no answers, I was told they put it in the mail on the XXXX. It is now XX/XX/XXXX and once again, no check in the mail. After multiple ADDITIONAL calls I still do not have my money. It's not posted to the account, it's not in the mail, it's nowhere and Citizens will not help me. They've put me on hold, they have hung up on me, they have told me a manager would call me back, they have told me its in the mail, etc. This is absurd. No one will help me and the will not give back my money- they have kept it for 19 days so far. Keep in mind, the mortgage was PAID OFF!
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (VA)

I deposited a paycheck on XXXX.19 in my husband 's name ( XXXX XXXX ) for XXXX from XXXX XXXX. It was into our new account at Suntrust bank. I deposited the check in the drive through, and was not told a hold would be placed on it. We got 2 letters in the mail, 1 stating it was being held due to a new account, and 1 stating it was being held due to confidential information that it might be fraudulent. I've called XXXX multiple times, and have been told the account is being monitored. My husband called the local branch and was told our funds would be released on XX/XX/19. However, they were not released. I received a direct deposit into the account today for XXXX from my new job at the XXXX XXXX XXXX of the XXXX XXXX XXXX. I went into the local branch in XXXX VA today, XX/XX/19. When XXXX XXXX called the corporate line, she was told that Suntrust has terminated our relationship. No one can tell me why. They also say since " there was new activity in the account today '' ( aka my direct deposit ), it might take 4 weeks until we receive a check from the bank. I have bills to pay, including childcare, and have NO access to MY funds. I don't understand why they allowed my direct deposit to go into the account if they had already " terminated the relationship. ''
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo continually gave me problems from XXXX to XXXX when I finally had enough of them not crediting my account, overcharged fees, unauthorized debits, fraudulent deductions and not letting me use my card in XXXX, even though they were informed prior to my travel. I suffered greatly with there Managers unprofessional attitude/disrespect in XXXX at the bank there.
Consumer complaint received 2023-01-19
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (NV)

I was shocked when I reviewed my credit report and found 60 days and 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX . I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-11-20
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XX/XX/2018 I did not authorize this car dealership to run my report. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof I would like it removed immediately.
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Experian Information Solutions Inc. (VA)

I opened an Experian online account on XX/XX/2024to unfreeze my credit, which I had frozen several years prior online using a PIN, not an online account. 

I opened the account because I assumed that was how I could unfreeze my credit and didn't notice that there was a Digital Checking " Smart Money '' account that went along with the online account. I realized too late that I couldn't back out of the entire process to remove the Digital Checking account. 

After unfreezing my credit report, I went immediately to close the Digital Checking account, which directed me to a phone number. 

The number was XXXX, so I called them this morning on XX/XX/2024. 

The automated phone handler asked for my account number and SSN. It was able to pull up my account and balance, so the digital checking account existed. 

I went through the automated phone options and picked option 5 to manage my membership. I picked " change my membership '' as the next menu option and was connected to a human representative. She said my digital account didn't exist despite the account existing online and the earlier balance information being given by the automated phone assistant. The representative said she would connect me to a Digital Smart Money account. 

She ended up referring me to the same exact phone number as earlier, so I had to repeat the entire process again. The second representative gave me the same explanation, saying I did not have a Digital Checking account yet and redirected me again to the same phone number. 

This time I did not pick option 5 for membership services and picked option 9 to be directly connected to a human representative. This representative asked for slightly different information than the other two and was able to close my account for me. 

The entire process took over 30 minutes. 

Experian should have made the opening of the Digital Checking account clearer to those opening new online service accounts, especially since many of them only want to deal with their credit report. They should also allow users to close the Digital Checking account online, since they're allowed to open it online. This is obviously a predatory tactic to push Experian products and services onto people. They should have parity with XXXX and XXXX for online credit report services.
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (NC)

Dear Collector, NELNET LOAN SERVICES INC XXXX XXXX XXXX XXXX, NE XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
You can not add interest or fees except those allowed by the original contract or state law. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX 
I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. 
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (GA)

15 U.S. Code S 1681i - Procedure in case of disputed accuracy 15 U.S. Code S 1666b -Timing of payments 15 U.S. Code S 1681e - Compliance procedures I was never late on ally auto please remove inaccurate late payments ( s ) update account to paid as agreed.
Consumer complaint received 2023-01-19
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. (NC)

ive been calling equifax and XXXX to remove hard inquiries from my report. my social security number and other information was stolen in around XXXX XXXXXXXX the credit bureaus refuse to remove the hard inquiries i have requested.
Consumer complaint received 2022-04-16
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. (VA)

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX