davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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: SUNTRUST BANKS, INC. (GA)

This is in reference to more a visa debit card not credit card..on XX/XX/2019 i entered suntrust bank on XXXX XXXX XXXX XXXX, XXXX, ga XXXX to get a cash advance off my visa debit card..the teller refused to issue funds to me even though i had proper i.d.drivers license and additional i.d . and funds where available..im not a customer of suntrust but just needed the funds issued to me..they told me i could use the atm and get the funds but atm only issues out a certain amount and i need more than atm allowed..there excuse was they only do advances on pre paid cards which is rediculous ... i have worked at banks before and never heard of such a practice they stated was there policy..for one its an unfair practice ..i cant receive funds from teller but i can go the atm where i will be charged fees.. next i have gone to other suntrust bank where i had no problem at all and they issued funds to me so how can one bank issue funds and another not ... this bank is not following banking guidlines or picking and choosing who they issue funds too..suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX issues funds to me in the past with no problem but suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX doesnt follow same guidlines
Consumer complaint received 2022-12-02
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. (FL)

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 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 2021-04-14
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: LoanCare, LLC (VA)

I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.
Consumer complaint received 2022-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2019-07-31
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: CORELOGIC INC (CA)

On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following:CREDCO/ XXXX XXXXXXXX XXXX XXXX XXXX CA XXXXXXXXI tried to call this number and it always said all circuits are busy.I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (SD)

XX/XX/XXXX, I was the victim of an elaborate scam - wherein I was hired by a company named XXXX XXXX to complete work by cashing a casheir 's check at my bank Wells Faro, and redirecting this cash by sending a XXXX to another XXXX provider. I had no idea this was a scam, as it was a very valid looking cashiers check that would be cashed, so valid that the bank cashed XXXX of these checks. Only to later find out that this was an invalid account, a bogus cashiers check and a fraud. However, Wells Fargo held me responsible, rather than their employees for cashing and my account was debited in those amounts {$1100.00} and {$2300.00} - Which, I must add had been reported as fraud to several agencies. 
Fast forward to XX/XX/XXXX I am a struggling graduate student trying to pay for coursework, and my sister sent me a check for {$1000.00} to help. I went to Wells Fargo on Saturday XX/XX/XXXX, to cash the check upon which it was drawn, ( I might add my sister has been with Well Fargo since XX/XX/XXXX ). 
When I went in, I was approached by their personal bankers to avoid a fee to cash this check, would n't I like to open a personal checking account to avoid the fee 's I briefly explained that I do n't think i would be able to since the last problem, ans was assured that things have changed and we could try. So, I acquiesced and lo and behold I was approved to open the account, which we did and was given an instant debit card, which I used that evening. The personal banker was to be in touch on Monday, and she did never mentioning this old account. I went to use my card on XX/XX/XXXX and it would n't work. So, I went into the bank first thing XX/XX/XXXX and received another instant debit card, it still would n't work, upon return to the bank this time, I was informed they would n't be able to issue another debit card, and in fact would be freezing those assets for this old account as past due monies. Which, I never accepted or reaffirmed this debt in any way - in fact maintaining both I and Wells Fargo Bank had been victims of fraud. 
Now, Wells Faro has directed me that if I call to make a payment plan with the loss prevention team, they will THEN decide after making this payment arrangement whether to refund all, part or none of the deposited amount remaining which is {$780.00} - I feel like this is a form of extortion, and furthermore - I feel that it was very deceptive. Please also note : My sister who is on limited income due to XXXX, out of the goodness of her XXXX was loaning these monies to assist me to complete my XXXX, and really does not have this kind of money to pay an old bill of mine, nor to just chalk up to a loss. 
If there is any way in which your agency could assist me to at least get these monies back to her - it would be greatly appreciated.
Consumer complaint received 2021-03-10
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: CAPITAL ONE FINANCIAL CORPORATION (IN)

On XX/XX/2021 someone applied for 3 different credit cards. Capital One, XXXX XXXX and a 3rd that I can not remember. This was not me and I need them removed from my credit report.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

I am disputing my current XXXX, XXXX and Equifax credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX {$650.00} Closed Unknown payment history Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$650.00} {$550.00} Payment Info Status Charged off as bad debt Status date XX/XX/XXXX Past due amount {$650.00} Highest balance $ XXXX  Monthly payment - Late payments - No payments have been reported on this account. 
Additional info Responsibility Individual account Terms - Company sold - Original creditor - Account currently reporting monthly
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am disputing my current XXXX, Transunion and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.
Consumer complaint received 2018-07-03
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. (MI)

XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the EQUIFAX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and EQUIFAX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have 3 credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Consumer complaint received 2022-12-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (WA)

I was told that I would have a XXXX XXXX interest for the first 6 months of my loan. I have documentation that says I would have XXXX XXXX interest for the first 6 months. I am asking the company to provide the recording of the call where I agreed to the finance terms to try to verify if the company ever informed me of the change in interest rate prior to signing the document. They have refused to offer the call recording that we had where I was told about my interest rate. This very much feels like a predatory bait and switch from this loan company.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (ID)

The company is Capital Accounts. Very unprofessional company keeps hanging up on me every time I call now instead of discussing this debt with me. This company will not give me a explanation of the debt they are saying is owed. I tried to contact that original creditor and they never return my calls or anything to give me a balance of what this is for. I rented a home from them in XXXX, and back in XXXX all of a sudden a collection agency pops up on my credit report and reporting as a fresh debt instead of the date the original account is from. I never received any notice prior to it going on my credit report, just all of a sudden one day it was there. They refuse to work with me in any way to validate the debt, tell me what it is for, or even report the correct dates from the account. I cant even get them to stop hanging up on me. This a fraudulent scamming company!
Consumer complaint received 2019-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I called the bank again, for the 5th time and asked for their fraud department. After 2 hours of transfers and over seas representatives who argued with me, I got a manager at the US call center that handles issues like this. 

Her name is XXXX at XXXX, dept XXXX, ext XXXX I sent her a copy of the letters from Capital One addressing the removal of the item that is not mine off of XXXX who has continued to re-report the item and keep it in dispute way beyond the FCRA 605B rules. 

The first letter was sent to me last XXXX by the executive offices in Virginia and I will enclose a copy of that too. 

She promised to fax me back a letter of removal confirmation and to make sure this time it is expedited. No reply yet.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America makes it nearly impossible to close a credit card. Every service offered by BOA has an electronic option via website or APP except for 'closing an account '. BOA forces a consumer to wait for hours on hold on the phone to close an account. This makes no sense when all other services are offered electronically. It's obvious that BOA makes it nearly impossible to close accounts for a reason - that is to encourage more consumer spending. Additionally, once an account is requested to be closed, BOA will NOT provide electronic communication to a customer confirming that the account is closed. Despite BOA 's endorsement of 'Paperless Correspondence ' AND and customer 's request for 'Paperless Correspondence ', BOA does not have the option to confirm electronically that an account is closed. So basically, once a consumer spends hours on hold waiting to speak with a customer service rep to close an account, and once that account is requested to be closed, the customer then has to rely on USPS mail to deliver a confirmation letter that the account is in fact 'closed '.
Consumer complaint received 2019-10-17
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. (FL)

I received a letter in the mail ( XX/XX/XXXX or XXXX 2019 ) from Equifax information Serivce LLC they werent going to look into three different accounts this is after I submitting my complaint to the CFPB on XX/XX/2019. I Certified mailed A dispute to Equifax personally back on XX/XX/2019 which was totally two separate disputes. One dispute was personal one on one directly with the company ( EQUIFAX ). Other dispute was to CFPB ABOUT equifax. WHY? wont you reinvestigate the items on my first dispute andbor the dispute sent to cfpb? They havent provided me with the information I requested. I asked for the break down on who they were contacting ( creditors/name etc.. ) which they arent providing I asked for how they were contacting them ( phone, mail, fax, email did they walk to the business and get the information? ... ) which they havent provided I have asked them to provide the proof from whoever their contacting and there stating that the information is verified I want copys of the information your obtaining since you keep telling me ALL this information is VERIFIED these are separate complaints which require separate investigations ; you will not deny me my rights or I will be forced to take legal action. XXXX XXXX is not a source. They are not creditors. that are reporting this verified information shouldnt be coming from them. These companies are paying you to report on people and your using XXXX XXXX to verify someone elses report on me this isnt making sense. I have sent XXXX XXXX XXXX a validation letter ( XXXX XXXX ) ( they signed for it on XX/XX/2019 ) no response back yet. XXXX XXXX XXXX sent them a validation letter ( XXXX XXXX, CA address ) the mail was forward back to me. Tried their ( XXXX XXXX, CA add ) they replied back with a bill ) so what creditor are you actually verifying these accounts with???? Your using the XXXX XXXX system and your not legally investigating my complaints. This XXXX XXXX XXXX ( XXXX ) account tried to send the validation letter they sent it back too. I did more to investigate than the actual credit bureaus. DELETE THIS STUFF OFF MY CREDIT REPORT immediately. Youre not to deny me an ACCURATE investigation for each separate complaint if the investigation was done right when I sent it directly to you I wouldnt have to file a complaint to CFPB.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Executive Office Mail Code XXXX XXXX XXXX XXXX XXXX, OH XXXX CASE REF : XXXX / CFPB XXXX XXXX XXXX I received responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 

Please approve debit card as soon as possible. 


Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-03
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. (MI)

Transunion has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX SECURITY BREACH affected me with the inquiries! And for some odd reason the same exact inquiries from TRANSUNION, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by TransUnion and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to TRANSUNION and XXXX AND XXXX OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Consumer complaint received 2019-10-17
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. (NJ)

The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.
Consumer complaint received 2019-10-17
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. (NJ)

The payment history on my credit report is inaccurate. I have a lower balance than what is consistently being reported and this has continuously lowered my credit scores. I want the CRA to thoroughly investigate my balances and late payment record and make deletions.l have attached a record of lower balance for the last three months than what is being reported.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: First Data Corporation (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 TeleCheck XXXX XXXX   XXXX XXXX XXXX, MD XXXX CFPB Complaint XXXX - TRACKING NUMBER XXXX XX/XX/2019 I received XXXX XXXX responded latter from I submit complain though CFPB. 
Today ( XX/XX/2019 ) I went XXXX XXXX and given paper check # XXXX amount of XXXX has been declined. 
Seven digit dined reference # XXXX I am already tired with dealing with issue and I am going to serious legal action soon. Please fix this issue as soon as possible. 


Thank you XXXX XXXX XXXX XXXX