davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

Webster Bank allowed double presentment and is refusing to refund the check they allowed to be cashed twice. Check number is XXXX. It was cashed on XX/XX/22 and XX/XX/22 both for the amount of {$75.00} from checking account. Went to bank to tell them they allowed double presentment and they stated they are not responsible and go contact the store that cashed it twice.
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (CA)

I have called Franklin services for the collection account on my credit butno one was answering and i have also emailed them. I have filed a dispute through XXXX numberous times for a collection under my account with Franklin services and XXXX with the original creditor. I don't owe anything from XXXX because i have cancelled my account for their service even before i had to start, so i have never received any sort of service from them. When i cancelled i made sure they didnt charge me anything and they had told me yes its cancelled and i dont owe them..so it has come to my surprise that i have {$100.00} for a collection on my account. I will not ruin my credit just for a {$100.00}. I am happy to pay that amount if i had receive any service or account from XXXX pertaining to this amount but again I did not. So please help me delete this collection account on my XXXX  because i was able to dispute this on XXXX. Only XXXX have been giving me a hard time.
Consumer complaint received 2022-12-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX 

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 an 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 2022-12-30
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)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX APT XXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX, My only social security number is : ( XXXX ) and my only and correct date of birth is : XX/XX/1972. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX th 2022 I accidentally sent the money to the wrong person. It was {$400.00}. And the company paypal has fail-safes for this exact problem and within minutes I followed those steps. And luckily the person I sent this too answered my call and cancelled the transaction and refunded the money back to me almost immediately.. Now this is what PayPal directs you to do. So I figured I would get my XXXX money ( I had no XXXX this year, I literally had to feed my family peanut butter sandwiches for XXXX dinner ) PayPal said my refund would be available on XXXX XXXX the {$400.00}. Now I even asked them on their website why does it take 3 days to get my money refunded to me on an accidental transaction. Their response was that I have to wait for th e-check to clear, which confused me. Because it was a PayPal to PayPal transaction so I dont understand why the y would have to wait for their own check to clear? So I wait til XX/XX/XXXX and than it says the refund was pushed back to XXXX XXXX. After XXXX. I was heartbroken how can I tell my family that XXXX is cancelled. I wondered if this was personal because I feel I was discriminated against by PayPal not long ago, within the past 12 months I wrote an email to PayPal that my next step was to get a lawyer and file a discrimination suit against them but than they released my funds to me. But I did not say anything or contact them, I waited patiently thru XXXX for the XXXX th to come. On the XXXX I went on their website and saw on the XXXX nd of XXXX they cancelled the refund, no notification whatsoever. They told me to wait til the XXXX th to get my my my money back. But they silentl cancelled it. I called them on the XXXX th to be lied to and told the other party involved cancelled the refund and than got on with a manager who told us there is no one above him that we could talk to. Not one question o had was answered they told no refund thats it because the other party was in the negative which should not have mattered cause it was cancelled. Why would they wait 14 days to tell me this cause the manager stated clearly on the recorded line that, as soon as I accidentally sent the money I was never going to get it back cause she was in the negative. If that is the case than why 14 days to tell me this
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (ME)

On XX/XX/XXXX, I got confirmation that Innovis put freeze on account per my demand. At no time did I provide written permission for Innovis to make any reporting of my private consumer information to anyone. On XX/XX/XXXX, Innovis added a new address to my report without my written consent, violating FCRA ( 15 USC 1681b ). This unauthorized use of private information is identity theft ( 15 USC 1681c-2 ). It violates compliance processes ( 15 USC 1681e ) and potentially carries civil liability ( 15 USC 1681n ). Again, I previously opted out of such disclosures under FCRA Section 6802. Despite this, my information was disclosed without my written consent. I demand : 1. Immediate cease and desist of reporting my information ; and ; 2. Documentation of any disclosures and confirmation of all reporting ceasing. Failure to comply will result in legal action seeking damages. I expect a swift response and confirmation within 30 days including {$1000.00} fine fee for this trespass by Innovis.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On Wednesday, XX/XX/XXXX, I checked my bank app and discovered this disturbing fact. My savings account was invisible, vanished from my online banking statements. My savings account is joint with my husband. 

On Thursday, XX/XX/XXXX, my husband and I went to Huntington Bank. We spoke with a bank teller, who made a phone call to gain more information. We were told that the savings account was closed and they did not know the reason. We were informed that Huntington would send a letter of explanation and a check for the balance in the account. The expected time of delivery was said to be 3 - 14 days. 

I questioned the teller because I believe these are poor business practices. Why didn't the bank call us into the branch to close the account and give me my money? Why is my checking account active? Now that I am unable to transfer funds from my savings to my checking account, I am unable to fund my checking account for ACH auto bill pay transactions. This will cause late fees and overdraft fees that Huntington will need to take financial responsibility for these unnecessary expenses. 

In all honesty, and with kindness, I told the teller I would not work for a company who treats their customers this way. This is like someone robbing you, except its my own bank! I hope she finds a new job with a trustworthy employer. 

Today, we made another visit to Huntington. This time I was told again that no one can explain why the savings account was closed, and Huntington will send a check with a letter of explanation in 30 - 45 days. That is outrageous! I asked would you be this calm if someone told you that your bank account was emptied to a XXXX balance, and they will send you a check in a month or more! With no explanation, the tellers were also confused and unable to help, even after another phone call to headquarters. No one can explain why the account is closed, why my husband and I weren't asked to come into the bank to close and receive the money that belongs to us.
Consumer complaint received 2022-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

Received an email from XXXX ( XXXX XXXX XXXX ) with this subject line Get the XXXX Credit Card with no impact to your credit bureau score if declined, but the fine print reads *Subject to credit approval. 

This is misleading advertising that specifically targets and adversely affects people who have lower credit scores.
Consumer complaint received 2023-03-17
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  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.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  Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : Untitled Account NumberXXXX has violated my rights. Or list of inquiries 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 2022-12-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (MO)

applied for financial relief in XX/XX/2022 & after sending paperwork requested multiple times was told paperwork was missing & application was denied the process to submit request is very difficult & they make it impossible to get approval this violate federal law process should not be this hard only to get denied after sending in more & more paper work they also want you to constantly send in updated bank statements multiple times
Consumer complaint received 2022-12-30
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. (TN)

XX/XX/XXXX XXXX XXXXXXXX there is an inquiry for a credit which I did not authorize on XXXX, Experian and XXXX XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on XXXX.
Consumer complaint received 2024-02-13
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. (MO)

XXXX XXXX complaint marked as duplicate by this fraudulent crooked company but EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (FL)

I never received a letter letting me know that this company was attempting to collect a debt. I got a few years ago and my last name has changed. I sent in a letter via mail for debt validation and I called the company. 

Also, Jefferson Capital is not licensed to collect in the state of Florida.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (TX)

I am writing to dispute the account referenced XXXX XXXX  XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? I have contacted the creditor myself and have been unable to get them to verify that this balance and payment history is accurate. You are also reporting different payment history between all 3 bureaus which I will include a copy of my credit report to show. How does this meet FCRA guidelines when all data furnished should be the same? I dispute your claim and I am requesting that this is removed from my credit report. This account is also over 7 years old and should have been removed on XX/XX/2022 which is another violation. Stop reporting this information on my credit report for many FCRA violations. Attached is the dispute letter sent 2 months ago which is dated and time stamped. Also attached is the credit report showing the inaccurate data.
Consumer complaint received 2023-05-25
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. (FL)

I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
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: International Computer Systems, Inc. (TX)

Good afternoon my name is XXXX XXXX and i received a texas gas letter that i need to pay {$430.00}. They used the address that im leaving in XXXX XXXX XXXX XXXX XXXX XXXX I never have no one permission to use my personal things im reporting this because i dont need to pay that amount
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I have been unable to obtain my Experian credit report and credit score from a multitude of sources. I am also unable to create an Experian account online. I hear that this may be due to a split credit file, or something of the sort. Please inform Experian of this matter and have them send me my full Experian report and credit score. If possible, please have them send me instructions advising as to how to solve this issue, as well as who to contact. Thank you.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

STILL LYING ABOUT STILL WORKING ON THE ISSUE MEANS ABSOLUTELY NOTHING THEY RESOLVED NOTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

On XX/XX/22 my minor daughters bank account was robbed for XXXX. TD Bank has yet to return her money. I have filed two complaints and supplied them with the police report. My daughter is XXXX and works for her money and this is just wrong. Ive called TD numerous times and they are no help. My daughters name is XXXX XXXX and the account is in her name. I am on her account because she is a minor. Also this occurred in her savings account not her checking.
Consumer complaint received 2022-11-02
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST CITIZENS BANCSHARES, INC. (AL)

This is a general complaint about a new shady practice, not illegal, I have noticed first with CIT Bank and now XXXX XXXX XXXX. With interest rates rising, they don't raise rates on your existing account automatically. They create new savings accounts with a new name that pay high interest with names like " Savings Builder '', " Savings Connect '', and now XXXX XXXX has XXXX XXXX XXXX XXXX XXXX  I have had to open 2 new accounts with CIT Bank to get higher rates, and just now with XXXX XXXX. You do not see that option if you are logged into your banking account, you have to go pretend to be a new customer and go check their rates first. To be fair, they do make it easy enough to open another account, but there is no purpose that I can tell other than to pay a different rate. Its just a shady practice bilking the customers probably out of XXXX  if they do not remain vigilant! I am hoping more will complain so the practice will change. Thanks for your time.
Consumer complaint received 2022-12-30
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. (CT)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Apelles, LLC (CA)

The name of the company is XXXX, which now referred my debt to Apelles XXXX XXXX. In XX/XX/2020 I lost my job due to Covid. I called XXXX to cancel my security services since those were not a " necessity '' and I was focus on paying my mortgage, main utilities and food. 
XXXX convinced me to keep their services and would bring my monthly fees to {$10.00} a month opposed to {$60.00}. Since I was already a long term customer, I chose to keep my security services since the amount was bearable. After 9 months, services went up to {$60.00} and I called to cancel because the person who took the information did not do it correctly, he was apparently working remotely from home. I called every month over and over because the amount was increasing. Every time I called XXXX 's customer service, the person claimed he did not know how to disconnect services, others put me on hold for hours, others claimed they couldn't do it remotely for me to call back in a couple weeks. It was always an excuse. This went for about 6 months until they called me to collect. This was completely unprofessional and unfair on XXXX 's behalf because they took a bad situation and state of emergency to take advantage of the consumers because XXXX didn't have the resources during Covid to follow through with the requests. I did not activate my alarm services from XXXX for over 7-8 months so I don't owe them the {$290.00} they are trying to collect.