davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC. (MD)

SUNTRUST BANK has continued to fail in being able to manage the simplest of accounts.

I have explained and shown ALL supporting evidence to the local bank manager, and explained that I don't have a fax machine and have to pay for city parking as well as sacrifice half my day to constantly correct SUNTRUST BANK errors.

Now, they are requesting I fax " A sales receipt. '' for a transaction that NEVER happend with SUNTRUST. 

SUNTRUST never paid the seller! 
XXXX doesn't show the transactions! 
SUNTRUST refused the charge THREE times and then keeps the money making me have to file a dispute.

I had to pay with another bank since SUNTRUST is incapable of being reliable on the basic level.

I can't fax " A copy of the original sales receipt ( s ) '' Proof of payment by other means ( receipt, copy of front and back of canceled check, copy of credit card statement with full account number ) Because that's not how this purchase works. 

SUNTRUST stole the money. 
XXXX shows no successful transaction because SUNTRUST refused the charges. 
Yet SUNTRUST is trying to keep the money because that is what SUNTRUST does. 

I've attached a screenshot of the successful transaction from my XXXX account. 
Please note : the {$1.00} difference is from a " XXXX credit '' I used on another transaction, but the seller and dates are the same.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (WI)

On the Morning of XX/XX/XXXX my Debit Card was fraudulently used by someone at multiple locations for a total of 7 times and a total of {$840.00} + {$9.00} in fees. I received a notice from BMO Harris stating that my card was compromised. I called the bank to confirm everything and start a fraud claim. After one day they approved one of my claims and paid me back a total of {$380.00}. After a week and a half of waiting I received a letter stating that they where denying the rest of my claims. They are saying that the physical card was used for the transactions so they are denying the claims, and that the first one was a mistake and they should have not paid that out. I have been in control of the card the whole time and was at home a sleep at the time of the alleged charges. Looking
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (TN)

I just recently looked at my credit report XXXX. I saw I has some hard inquires that did not have permissible purpose. I also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries has no permissible purpose to be on my report. Delete this inquire due to violation of 15 USC 1681b
Consumer complaint received 2017-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Received a call about a debt from 2007. The company threatened to place negative information on my credit reports unless I pay them. This debt was settled with the creditor ( Capital One ) years ago. Under Tennessee and Texas statutes of limitations on debt collection XXXX XXXX XXXX does not have the right to collect.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (CA)

Due to Address changed, I never received final Bill from XXXX 

After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. 

They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. 

I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. 

As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. 

I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. 

I been trying to contact XXXX but they are not responding to Credit Agency about paid off. 

They still have Collection on my XXXX Credit report.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I received a notice from Sears XXXX XXXX XXXX stating that to avoid late charges to send my payment of {$280.00} for a service repair, according to them service order # XXXX XXXX, the invoice was dated XXXX/XXXX/16 and the account # is XXXX. 
I immediately called Sears to inquiry about this bill and to closed my credit card. After closing my credit card account I was told that my balance was {$0.00}, and that they did not send me that bill. 
I believe that this is scam because I called the telephone number on the statement XXXX and I could not get a real person ONLY a telephone message also they are asking me to send my credit card information to settle this bill. 
The address listed on the statement is : XXXX XXXX XXXX, XXXX, Texas XXXX
Consumer complaint received 2018-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

I attempted to resolve the XXXX fee on my checking account, in the past transactions Wells Fargo Bank explained there will no fee to my account if there was a negative transaction because I am not enrolled in the Over Draft Protection. In addition the bank charged me a pending/posted transaction that was made a week prior to my charge in which allowed my account to further go into the negative. That is a major cause for the XXXX fee. The representative where very rude and explaining a policy that had nothing to do with the charged fee. I am submitting this complaint in regards to false information given by Wells Fargo.
Consumer complaint received 2021-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (CA)

On XX/XX/XXXX, I had a recurring payment made to checking account at BBVA. That charge incurred an overdraft fee ( - {$1.00} ) and stated that due to overdraft protection, my incurred fee was {$0.00}. On XX/XX/XXXX, another recurring payment ( {$15.00} ) was made resulting in overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another recurring payment ( {$3.00} ) was made resulting in a 2nd overdraft fee of ( $ XXXX ). On XX/XX/XXXX, another attempt was made ( {$15.00} ) resulting in a 3rd overdraft fee of ( $ XXXX ). My balance is now $ XXXX for overdraft protection that didn't do it's job. 

The worst part is I called to cancel my account and was extremely frustrated when I found out I am unable to close the account due to my balance. Plus the dispute process for overdrafts takes up to 90 days, which leaves me in a horrible position to continue collecting overdraft fees on the account with no resolution. 

This practice seems very predatory and I am left with an unusable account racking up debt that I can't pay off. Please help!
Consumer complaint received 2019-07-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: VEROS CREDIT, LLC. (CA)

On XX/XX/19 I XXXX XXXX contacted XXXX XXXX to retrieve my property and work tools ( massage table ) ( Massage Chair ) both were taken out of my vehicle and are being held for ransom by Regios Inc, they will not allow me to retrieve my property, This is an illegal being committed. I tried to speak to the manager but after a short conversation she hung up the phone on me and ignored my calls when I tried to reach her again, she was very rude and unprofessional.
Consumer complaint received 2021-07-22
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. (AL)

On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the XXXX  data breach.
Consumer complaint received 2018-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/2018 I was offered the opportunity to apply for paypal credit and was approved. After calling I was told due to me filing bankruptcy the credit line is not available to myself. This seems like discrimination and is misleading because this information was no where in the terms and conditions. After calling they offered advice on how to have the inquiry removed but I shouldn't have to write this complaint, do ANYTHING to remove an inquiry, or be permanently penalized for a bad financial decision that is forgiven by EVERY OTHER COMPANY that allows for line of credits.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I contacted Equifax, XXXX, and XXXX on XX/XX/2019 via certified mail requesting my personal information be updated. Equifax and XXXX keep asking me to send in additional documentation when I have sent them information past verifiable to prove that I am XXXX XXXX XXXX and that I reside at XXXX XXXX XXXX, XXXX, MS XXXX and that my ONLY previous or prior address is XXXX XXXX XXXX XXXX, MS XXXX. Please see attachments that have been sent.
Consumer complaint received 2019-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I checked my report before I applied for a secured card and I seen addresses on my report that do not belong to me nor am I associated with. on Transunion 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX. I never lived at any of these addresses.
Consumer complaint received 2019-07-19
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: Experian Information Solutions Inc. (RI)

I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on XXXX I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Experian XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-19
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. (RI)

I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on Transunion I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX  XXXX XXXX on XX/XX/XXXX. XXXX   XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-07-18
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: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2019-07-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (FL)

I only borrowed XXXX and the want me to basically pay back 4x that amount i have went with a consolidated company and they are still asking for way more then what was borrowed they also go by rosebud lending i see they are not licensed in my state at all when i looked there name up
Consumer complaint received 2019-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Office of Ginger Crosby Zuravel (NC)

On XX/XX/XXXX I sent a letter that stated the amount I owed was incorrect and that I disputed and was incorrect. I received a letter today XX/XX/XXXX that stated the amount was correct with an attachment that has incorrect dates that I have no knowledge of. I do not have access to the e-mail associated with proof of cancellation of classes and request to unenroll because of purge of student information after unenrolling from school. The balance doesnt add up.
Consumer complaint received 2024-03-06
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

TD Bank has grossly been mishandling my dispute against a merchant ( XXXX ), who deleted my account for no good reason and would not allow me to return the only merchandise I ever purchased from them under said account. TD Bank requested more information, and I provided it to them. It was plain and simple.. just what I said They closed my account and would not allow me to return merchandise. A XXXX year old could figure it out the first time. Nonetheless, I cooperated and did what they asked. 
This time around, I showed TD Bank the email where the merchant closed my account. And the date of that email proves I was still within the 30 days to return the merchandise, which is standard policy for items shipped from the merchant, even if theyre sold from a third party. TD Bank states their reason for not settling the dispute in my favor thus far, is because the merchant provided documentation of me making the transaction, which is utterly and completely irrelevant as to why I disputed the charges. TD Bank further states that the merchant provided documentation showing that I continued to use their services. I would love to see this so-called documentation, being they closed my account. How was I able to continue using their services if they closed my account?!?!? Does that make even the least bit of sense?!?!? Their email where they closed my account even states, When we close your account, you can not open a new account or use another account to place orders on our site. 

TD Bank states they are only giving me a partial credit {$50.00} of the {$150.00} I disputed, and that I need to resolve my issue with the merchant directly Absolutely disgraceful. XXXX  poor excuse for The Bank Where People Make the Difference. '' What a joke. They cant even do their jobs correctly, let alone make a difference. 

I have been with TD Bank for 20 years, and this is the first dispute Ive ever filed against a merchant aside from XXXX, not counting a couple credit card companies I recently disputed against for ach payments I had revoked authorization from but they charged my checking account anyway. So for TD Bank to manage my dispute so disgracefully, I am beyond disgusted that they would treat such a long time, supposedly valued customer this way. Therefore, if TD Bank does not make this right and provide to me the full {$150.00} whether it comes out of the merchants pocket or theirs, I will be closing my account with TD.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (CA)

Not sure if this is where I would report it but I was told id get help with a secure credit building credit card with a minimum low but they said there is no card available to me but when speaking to a person they said they would send me info and start helping me rebuild my credit but again nothing yet??

I've tried to contact them several times but no help.

Not sure if they are taking advantage of me..
Consumer complaint received 2023-01-13
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (TX)

These student loans are not mine The home I was living at withbmy boyfriend in XXXX Tx.. I lived as we broke up.. I left my iD in his drawer beside his bed.. I was angry because he was cheating on me with a girl that has same name as me..my ex had the lady name XXXX so her name XXXX XXXX .. this girl was from XXXX  and they kept all my things and wouldnt give them back to me. This lady is the one that falsified school documents and stole my identity!
Consumer complaint received 2023-01-13
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 submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX