davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-17
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: Bull City Financial Solutions, Inc (FL)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2020-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (FL)

It's a new loan and I'm trying to set up payments. There is a department that allegedly handles online banking issues with whom I've had 7 phone calls in which they have variously blamed me, my phone,  XXXX and their own customer service department. None of these are the cause for the bank 's inability to send a confirmation text message to allow me to use it's online banking. 

I will have no choice but to mail in a check to make my first payment and I will do so. But I just want to talk to someone who isn't in the online banking department who understands that I do not have a problem with receiving a text message, the bank has a problem with sending one. 

I have spoken with individuals at local BBVA branches who have been unable to get in touch with anyone except the worthless online banking department. I've tried to have a three-way call with the online banking department and XXXX, but the online banking department hung up on us.
Consumer complaint received 2022-07-10
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 XXXX XXXX XXXX Account # 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
Consumer complaint received 2019-04-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMMONS FIRST NATIONAL CORPORATION (GA)

Simmons Bank calls an unreasonable number of times a day. Yesterday, for example, they called my home number once and my cell twice ( about fifteen minutes apart ), for a total of three calls in one day. They do this every month. I have asked them to change my address twice, but they still do not send me billing statements. The balance of the debt is around {$300.00}. I did not tell them to not contact me at all. I'm tired of trying to cook dinner and take care of XXXX kids while they ring my phone. This is beyond ridiculous.
Consumer complaint received 2017-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NV)

I have been working since last summer to submit PSLF paperwork and get an updated count of current qualifying payments. I have had to resubmit paperwork several times, and have made several phone calls to the servicer ( multiple times throughout the summer   XXXX  , then again in  XXXX ,  XXXX ,  XXXX , and  XXXX  of this year. ) Each time I am provided with different information. Either my paperwork is being reviewed, or they are going to place it under review. I am assured that I will receive some kind of documentation ( either online in my account or via mail ) within a certain time perio d ( som etimes 60 days, sometimes 90 days ) and to please wait. I still do not have the information I have been asking for, do not know how many qualifying payments are being counted towards PSLF and have not been given any information on what I can do to move forward. Currently, my account reflects o nly 17 qual ifying PSLF payments, even though this number should be closer  to 50. I can  not get any explanation for what is being counted, what is not being counted, and why. During my last phone call in  XXXX  I was total that a " payment tracking '' document would be sent to me via mail and that I should receive it within 60 days. Thus far, I have not received anything.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (UT)

Discover closed my account and took my {$1500.00} security deposit even after I filed a fraud investigation that my card was used without my authorization. Their fraud investigation representative ignored all my voice messages during the time of the investigation to eventually no response. My account was closed and deposit was taken improperly. It has been a 18 month police long investigation gathering documents the detective needed to finalize my police report. I am requesting my security deposit back and the balances owed to be cleared from my name as the charges were not authorized by me. 


They can obtain the documents from the SLPD to gather information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (GA)

I purchased a product from XXXX XXXX XXXX XXXX on XX/XX/2019 in the amount of {$130.00}. The company offers an advertised money back guarantee within 60 days with No Hassles and No Questions. On XX/XX/2019, I contacted XXXX XXXX to request a full refund all I got was Hassled, Questioned, and Shamed for doing something wrong ; which I was not!
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SUNTRUST BANKS, INC. (VA)

On XX/XX/2019, I applied for a SunTrust Travel Rewards credit card. I first called SunTrust to ask about credit card options and they described different cards, including the Cash Rewards and Travel Rewards card. I made clear I wished to open the Travel Rewards  credit card and asked for instructions to the right link on the website to open that card. The customer service person provided those instructions and I followed that link. I was able to download terms and conditions for the Travel Rewards Credit Card. After completing the application process, I received a card in the mail, activated it, and used it for 3-4 purchases, then realized it was labeled Cash Rewards instead of Travel Rewards. I called SunTrust and they said that what I had applied for was a Cash Rewards credit card. As mentioned, I was careful about which card I had applied for and did not wish to open a Cash Rewards credit card and had in fact downloaded the Travel Rewards card terms and conditions earlier in the process. But it looks like partway through that application process, SunTrust switched which card I was applying for to the Cash Rewards credit card. When I called, twice, and spoke to supervisors, they said there was nothing  they could do, that my credit reports had already been pulled, and to get the correct card, I would need to submit a new application. I instead paid off the few purchases on the wrong card and canceled the card on XX/XX/2019.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (AP)

My wife, whom I'm getting divorced from tried to open a credit card through this company. They allowed her, without my permission to sign for me and gave her a line of credit. I attempted to dispute this and was put on hold or transferred to 5 different people all explaining there's no way this would have happened. But alas, it is on my credit report and they have nothing to remedy or investigate the fraudulent activity. 

They not only gave her a line of credit and a card but they also wouldn't give me the card number or any information to hire and attorney or protect myself from what my wife has done without my permission. 

They wouldn't even give me information regarding the limits or %. Even though I could prove it wasn't me due to my wife being in Florida and me being in XXXX XXXX.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (NJ)

PNC Bank failed to investigate my fraud claim. I reported to PNC that I never received an item that I purchased. I also told the bank that I possessed written evidence from the seller that confirms I never received the item. PNC never attempted to view my evidence and instead closed its investigation, citing no evidence. 

I called PNC seeking an explanation. The agent told me she would check with the person who conducted the investigation and call me back with more details, but they never called me back.
Consumer complaint received 2022-11-05
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: TrueAccord Corp. (AE)

This creditor is in clear violation of my rights. I have not signed any contract with this creditor yet I receive correspondence about a debt owed. The creditor needs to show proof that I own the debt. The creditor needs to show proof that I have signed into contract to pay them. Furthermore, In accordance with the fair credit reporting act, this creditor has violated my rights. Account ending in XXXX, Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Account XXXX, connected to account XXXX
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (IN)

I was a victim of Hurricane Ian on XX/XX/XXXX. Pretty much everything I owned was destroyed & the whole city of XXXX XXXX, Fl was affected in some way. USPS was no longer delivering mail to my home community. On XXXX I purchased some supplies at Staples totaling {$73.00} using my Staples card, ( which is managed by Citibank ). This purchase was out of my mind until I received a ( XX/XX/XXXX dated ) letter from Citi on approximately XX/XX/XXXX that was forwarded to me by my former workplace to my new home in XXXX, XXXX. Letter stated I was past due, ( 1 ) owing them the {$73.00} ( stmt closing date of XX/XX/XXXX ) ( 2 ) late fee of {$29.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ( 3 ) additional late fee of {$40.00} & {$2.00} interest ( stmt closing date of XX/XX/XXXX ) Total amount from 3 statements was now {$140.00}. I never received any of these XXXX statements due to this ongoing disaster recovery period. Upon calling Citi & explaining my situation they did delete the {$42.00}, but said they could not forgive the other late fee amount. At that phone call I submitted payment for {$100.00} ( per XXXX. # XXXX ). I requested they remove this late payment from my credit file due to my unusual circumstances ( have had this credit card since XXXX with a perfect pay history ), but they said it had already been reported to the credit agencies. I submitted a dispute to XXXX, XXXX XXXX XXXX that an amount of {$62.00} past due is still appearing on my credit reports. When submitting the dispute there is a choice of reasons why you were delinquent & mine was " Natural or Declared Disaster ''. ( federally declared disaster # XXXX ) Despite this, Citi has felt they could not retract this negative report they submitted to the credit agencies. I realize my dollar amount is small, but my perfect credit score ( was in the XXXX 's ) has now been blemished. I thank you for helping me get this resolved.
Consumer complaint received 2023-07-21
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TN)

XX/XX/XXXX : Purchased {$2100.00} Western Union Financial Services Money Orders at XXXX XXXX in XXXX TN. 3-Money Orders were issued to me in the denominations of $ XXXX + $ XXXX + {$150.00}. 

XX/XX/XXXX : I addressed the money orders to XXXX ( my mortgage company ) to pay my mortgage for XX/XX/XXXX. The money orders were mailed via First Class US Postal Service to XXXX XXXX XXXX, XXXX RI XXXX XX/XX/XXXX : My mortgage company, XXXX ( bank ) contacted me that I have not paid my XX/XX/XXXX mortgage. I called Western Union Financial Services toll-free number and was told to send {$15.00} fee to get a copy of the front and back of the paid money orders. I paid the fee but Western Union Financial Services sent me 1-copy ( out of 3-Money Orders. I have to pay extra {$30.00} to get the other 2-money orders. It now that I noticed that the 3-Money Orders were ALTERED and the receipient is now " XXXX of XXXX XXXX '' . 
XX/XX/XXXX : I copies of the Western Union Money Orders to my mortgage company, XXXX XXXX Chairman Office who DENIED that XXXX XXXX ever received OR cashed the Western Union money orders. 

XX/XX/XXXX : I sent a letter to Western Union Financial Services via a U S Postal Services CERTIFIED MAIL requesting for a FRAUD INVESTIGATION. 

As at today XX/XX/XXXX I have not received a response from Western Union Financial Services regarding my XX/XX/XXXX letter.
Consumer complaint received 2023-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (KY)

This is the last email I sent them. I received a typed letter stating because of the age of this debit they legally can not report this on my credit or sue me but I could still pay on good faith. 

This is your notice from I, XXXX XXXX stated in my last email You are legally required to provide the following UNDER THE FAIR DEBT COLLECTIONS ACT the original signed contract by me and the original creditor, original documentation from the original creditor assigning you to the debt or original documentation that you own the debt. You have yet to provide original documentation validating the debt. You sent me a generic form that stated this debit was too old to report on my credit and past the timeline of suing because the age of the account and legally you can not report this on my credit. I have been called me multiple times day and night. I was also threatened with arrest and I was cussed out and called nasty names. Where is the original signed agreement with my signature and the original creditor? You have failed to validate this debit. This debit is not mine and its been 3 months so way past allotted time to validate this. You are legally required to provide validation of this debt. Threatening to report this invalid debt on my credit unless I write you in 30 days after I have asked for this information twice and you are ignoring my request for proof is against the fair debt collection practices act. You legally can not report this to the credit bureaus until you validate this debt that Im disputing. If you have already reported this on all of my credit reports you legally have to contact all of them and tell them this debt is being disputed until you validate it. Under the fair debt collections act you legally have to provide me the original documentation from the original creditor and verification that you own or have been assigned the debt by the original creditor. All collections act UNDER THE FAIR DEBIT COLLECTIONS ACT are to stop until YOU VALIDATE THIS DEBT. 
Signed by XXXX XXXX on XXXX XXXX.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (IL)

This is regarding an existing issue with XXXX and Experian XXXX  account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.XXXX I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-06-15
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Credit Service, Inc. (MN)

This company has been calling myself, family and friends for about three weeks starting on XX/XX/XXXX. In both cases detailed messages were left on their machines. Since then they have both been contacted numerous times. I contacted the company on XX/XX/XXXX to figure out what was wrong. They told me I was being sued and I would be served at my workplace. everything sounded fishy, so I decided to do more research before paying them.

Today, XX/XX/XXXX. This company somehow got the number of both my girlfriend and her mom and have been calling repeatedly back to back. They also contacted me 22 times over the course of 3 hours today.
Consumer complaint received 2023-06-27
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. (OH)

XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,15 U.S. Code 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev next ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonab e cause to believe that the information is inaccurate. 
( B ) Reporting information after
Consumer complaint received 2023-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

My credit card was compromised and I had the card in my possession. You can see my card being used by myself and the scammers at the same time in different cities and different states. I even provided the credit card company with video footage at one of the stores the scammers. I filed a police report. The credit card company still denied my claims.
Consumer complaint received 2023-07-21
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 — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP (NY)

Basically my car was repossessed recently due to the fact that I miss some payments on my lease. The reason why I missed payments is because I recently switched my credit card numbers due to a recent fraud claim which is actually identity theft and the payments were an auto pay so I didn't realize that it wasn't going through. to make my point stronger I didn't get any notifications saying that I didn't pay that month or anything like that and for that reason I have no idea of the situation and he randomly repossessed my vehicle I would like this repossession on my credit report should be cooking off my report because this will affect me immensely in my future career I always pay on time and this was a total mistake and unfair thank you very much XXXX XXXX