davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (IL)

On XX/XX/2022 I called Discover due to declined charges. As I was shopping, I learned that my payment was past due {$230.00}. I asked the representative to process a payment of {$240.00}, where I was advised that even if there was a payment made, the card could not be unlocked until the next business day. I admit, I was quite frustrated because of the inconvenience of the denial and the embarrassment, considering my credit limit. Additionally, I was already in the store attempting to make a purchase. While speaking to a rep who was only able to assist to a certain extent. I then requested to speak to a supervisor. The supervisor did not come off very helpful. In that moment, I requested to speak to her superior. The supervisor told me there was no one higher than her. With more dissatisfaction overcoming me, I requested that the account be closed. I assumed that the lender would have some type of retention resolution in conjunction with regard for the relationship that has be established. As well as my proven payment history. However, that was disregarded. During said call, as the supervisor was reading her disclaimer the call was disconnected. I called back to learn that my account was already closed. In this complaint, the goal is for my account to be reinstated, with the exact limit in which was granted to me. My account can be reviewed to see that I have a great payment history. Furthermore, I would like a coaching opportunity to occur with the representative/supervisor. I do believe that there should have been some type of retention resolution which I was not granted. I believe that a seasoned/assertive representative/supervisor would have afforded me this in efforts to resolve this call with first time quality resolution
Consumer complaint received 2024-03-08
Product: Credit reporting 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)

Remove all these inquiries and XXXX collections off my report thats not mines I have no knowledge of these unauthorized inquiries and collections thats been place on my credit report by a unknown source I ask for these to be be disputed and removed permanently off my credit report from all XXXX credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Consumer complaint received 2022-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (NY)

I opened an account with Truist Bank with an initial deposit of {$50.00} which was debited from my account from the former SunTrust which was acquired by BB & T to form Truist A few weeks later I tried to login but was locked out of my account by truist I then called to see what the issue was I was told that it was closed due fraud which could not have been so I called a day or two later and was told I needed to sign a signature card which i needed to retrieve from a branch the issue is I live in XXXX XXXX XXXXXXXX and the closest branch is in southern New Jersey which is out of the way I asked could it be emailed to me and faxed they said no theyve been assessing account maintenance fees to the account
Consumer complaint received 2019-07-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (OH)

Hello, i have gone in to look and test drive a car at Bmw and i was just there to look and i was pressure tatic to sign papers and now im stuck with a very high payment on this lease i said i couldnt sign because i am on medical leave due to long term XXXX and they said blah blah this is a good deal you wont get a deal like this in the future etc. I teied to call bmw financing services which is the bank and they said i can not make any arrangements im still on medical leave and it would be nice to lower my monthly payment some how. If possible extwnd the lease agreement to lower payments or lower the money factor but i was forced into leasing the car when i mentioned i cannotot afford {$580.00} month i would be happy if it was in the low 400s i can work with that. Because i have to pay insurance on top of this i do not want to get a lawyer until i can possibly solve this with bmw finance services first. I was lied to and pressures into this lease. Please give me a call XXXX XXXX XXXX
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC (NC)

On XXXX XXXX an account was posted in collections on my credit report in the amount of $ XXXX.The collection company, Mountain Run Solutions , has stated to XXXX, the account was opened on XXXX XXXX, XXXX. I was informed by XXXX a debt was incurred in XXXX, however I am not listed as part of the debt, past or present. The debt was filed as a joint account. I have reached out to the collection company, and filed a dispute with XXXX, to have the inaccurate information removed. XXXX completed the investigation of the dispute on XXXX XXXX, XXXX, concluding the information reported, is accurate based on information from the collection company. XXXX did not contact XXXX for any documentation.
Consumer complaint received 2017-06-26
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)

XXXX XXXX was supposed to remove negative info from credit reports per the CFPB investigation they did not! XXXX XXXX requested they remove and they did not " The original placements provided by our client were submitted in XXXX XXXX. Additional placements were sent in XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Each placement was followed by a letter to XXXX XXXX at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach XXXX XXXX by phone there has been no positive response to any calls. He is claiming that XXXX has refused to accept payment arrangements but the file notes from XXXX indicate he would follow up with his insurance. There are no file notes between XXXX XXXX, XXXX and XXXX XXXX, XXXX when he disputed his credit report tradelines and XXXX confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from XXXX XXXX credit report ''
Consumer complaint received 2017-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Simon's Agency, Inc. (NJ)

simons agency was supposed to remove negative info from credit reports per the CFPB investigation they did not!    XXXX   XXXX  requested they remove and they did not " The original placements provided by our client were submitted in  XXXX   XXXX . Additional placements were sent in  XXXX  and  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . Each placement was followed by a letter to  XXXX   XXXX  at the address indicated in the complaint. There has not been any returned mail received from these mailings. Each notification letter includes complete instructions on how to submit a dispute regarding the balance due. Additionally, despite multiple attempts to reach  XXXX   XXXX  by phone there has been no positive response to any calls. He is claiming that  XXXX  has refused to accept payment arrangements but the file notes from  XXXX  indicate he would follow up with his insurance. There are no file notes between  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  when he disputed his credit report tradelines and Simons confirmed the information to be accurate. As our client has requested the file be closed, the related tradelines will be recalled from  XXXX   XXXX  credit report ''
Consumer complaint received 2022-04-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 90 days late as of XX/XX/XXXX and charged off in XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. The payofff and title had already been released to me. When I reached out to them, they said that they tried contacting me via phone however they did not have my correct number. No attempts to contact via ground mail or email that a balance was still owed were attempted.
Consumer complaint received 2022-04-11
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. (MS)

These inquiries are fraudulent please investigate and remove from my reports ASAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Dispute this XXXX XXXX XXXX XXXX XXXX, 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 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 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 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 2021-05-16
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$3000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Other fee — 
Company: PNC Bank N.A. (NJ)

had stopped using my pnc credit cards due to pettiness about XXXX interest. needless to say i will never sign in again for a credit card with minimum interest charge. know my background good customer huge medical bills son. if i wanted could wipe this away but i am not.i am fighting insurance to pay bills. anyway asked for XXXX back was told no its been done already. no other bank but pnc treats me this way. this is ridiculous. when people declare bankruptcy they get nothing. i am a good customer. no scripts i want loyalty as there is none i am not using my card agains either of them i also want confirmation on card ending XXXX that XXXX was disputed accurately please credit XXXX spend this time getting to know me as a customer. not reading a script.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (NY)

I received a notice that my credit score changed dramatically due to a new collection account from XXXX XXXX. This collection account was reported by " MRS. BPO '', and showed an owed balance of {$840.00} to a Texas based electronic company named " XXXX XXXX ''. After calling XXXX XXXX, they told me that they have an account under my name with my Social Security number attached, and that I do owe them for using their services. This is simply impossible, as I have never owned a home, lived in or even visited Texas for any reason or amount of time, nor ever heard of either company. After attempting to dispute with XXXX, they ultimately determined that I still was responsible for the payment. XXXX XXXX has flagged my account and asked me to give them a Completed Trade Commission Form, along with a Police Report so that they can start their own investigation.
Consumer complaint received 2022-01-27
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

Equifax and XXXX is allowing false/illegal reporting. XXXX XXXX XXXX XXXX is trying to collect a debt for XXXX XXXX. I have disputed this debt because its not mine. Equifax and XXXX says the debt is mine but the collection agency only provided them with a itemized bill with only a name that matches mine. There is no birthdate, SS number, no breakdown of what is owed and no handwritten signature. This is illegal reporting. XXXX even deleted because there is no evidence that this debt belongs to me. The itemized bill that the company sent as proof has my name but incorrect address, and incorrect email. I never attended XXXX XXXX and this debt needs to be removed for illegal reporting.
Consumer complaint received 2022-01-27
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: AUTOMOTIVE CREDIT CORPORATION (FL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/2022monthly payments have not been reported to all 3 credit bureaus and are currently showing no data which have affected my score due to the balance not decreasing of the auto loan. Moving forward I mailed in a check on XX/XX/XXXX in the amount of {$7800.00} to pay off my loan. Also, the co-buyer has not received any updates on their credit profile. Upon calling the finance company about the problem a representative mentioned that nothing could be done to correct the disputes of the inaccurate payments and balances that were put in with the credit bureaus because of the new system they have been using.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (AR)

I made a purchase on XX/XX/13 Amazon.com using a Chase Amazon Rewards Visa card, and tried to use my Amazon Rewards points for the balance. The points were deducted from my account, but Chase would not authorize the transaction. The points however had been permanently deducted. Amazon support could not help. 

I contacted Chase on XX/XX/13 and they said they would investigate the matter. No response has been received from Chase. The order was cancelled by Amazon and now that amount of rewards points are permanently gone.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AK)

I was receiving social security and I was approved for a total of $ XXXX in backpack which was made by deposit but a soc security letter was issued by mail stating the check would be mailed. I only ever received the $ XXXX deposit. 

Also received a letter from soc security stating I would get $ XXXX by check but I got a deposit instead. 

I believe I received another $ XXXX deposit from the AK Treasury and around another $ XXXX. 

I believe checks might of also been mailed in the amounts above where the letters stated they would be but I never received them. 

I received the first $ XXXX deposit and was able to access the funds just fine. 

The $ XXXX deposited and within two minutes was withdrawn or transferred by some unknown party other then myself. I have no clue who it was and Wells Fargo completely denies that the deposit had ever happened when I have " real email receipt confirmation of deposit and withdrawal or transfer 2 mins later ''. 

Another p $ XXXX deposited and went missing. No where to be found. 

There were other deposits that came in that continuously kept going missing. 

I had to close and reopen police 10 diff bank accounts due to fraud and the whole time wells fargo is refusing to credit my account for fraud. They aren't even sending me state mandatory communications in the mail like their policy promises to acknowledge charges being disputed. 

Someone underwrite my account for thousands of dollars. 

They implicated me for coming in to an institution and withdrawing thousands of dollars and my P.O.A. as well who is XXXX XXXX. They implicated her taking out $ XXXX in cash at the bank 1 year or so before the entry was made viewable. I believe XXXX 's, XXXX XXXX 's, XXXX XXXX 's and Wells Fargo themselves are stealing all my funds and underwritting my account. They brought it to a negative standing! 

Wells Fargo on XXXX themselves were refusing me my own $ when the available balance was like {$700.00} to {$900.00} by placing a handwritten negative mark next to where it gives the available balance. 

Wells Fargo has intentionally tried to steal {$200.00} cash at the drive through window. 

I have deposited checks and the $ i deposit just goes missing. They keep sending my inactive debit cards. They allow ppl into my account with the wrong verbal password. Friends of friends always know my balance. 

PRETRIAL ENFORCEMENT AND/OR XXXX XXXX HAVE USED UNDERWRITTING ON MY ACCOUNT TO STEAL THOUSANDS OF DOLLARS. THEY HAVE STOLE PROPERTY, EXTORTED $ BY THREATENING MY LIFE, HELD ME XXXX, THREATENED MY FAMILY MEMBERS AND 2 FAMILY MEMBERS ARE DEAD. 

OFFICERS ARE STEALING TOO AND REFUSING TO TAKE MY REPORTS OR DO ANYTHING ABOUT MY POLICE REPORTS REGARDING THE THEFTS. THEY NEVER FOLLOW UP ON MY REPORTS AFTER ONLINE SUBMISSION.
Consumer complaint received 2022-01-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XXXX I mailed a debt validation letter to ARS Account Resolution, and they failed to validate a debt at my request. Account # XXXX I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( INPHYNET CONTRACTING SRV LLC ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me
Consumer complaint received 2023-05-24
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bankruptcies that are not mine are being reported when it belongs to someone else I have I have requested many time for a update and validation via certified letters but never been provided anything the inaccurate information is still being reported on Transunion only US BANKRUPTCY XXXX US BANKRUPTCY XXXX
Consumer complaint received 2021-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Reached out to XXXX, Transunion and XXXX  via mail twice concerning inaccuracies that were on my credit report. however, still were unable to get items remove and accuracy reporting properly on my credit report. 
First Date was on the XX/XX/2021 and second date was on XX/XX/2021.