davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX and XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. States, clearly, I have the right to privacy. ( It's the LAW ).

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. ( It's the LAW ).

All Rights Reserved.
Consumer complaint received 2022-03-04
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. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-07-24
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: CLGF Holdco 1, LLC (GA)

I am disputing the indigo credit card also XXXX XXXX credit card also XXXX and the other so I disputing 4 on my report I was incarcerated for a period of time some people got ahold to all my belongings I need these things off my report they my info was lost and used at that time I was. Gone away from my home. Identity theft was involved.
Consumer complaint received 2022-06-15
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. (VA)

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-04
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)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I have had accounts with Suntrust for over 30 years. When they changed to Truist the online banking feature began having problems. On several occasions bills I had setup to pay via XXXX did not get paid. I went to the bank for help on XXXX occasions. They were aware of the problems, helped me and apologized. Just when I thought everything was ok, on XX/XX/22 there was a knock at the door. XXXX XXXX had come to turn off my power. They said my bill hadnt been pain in 2 months and was now due again.. 

I knew I had set that bill up to be paid in the usual Suntrust/Truist online banking app just as I had this bill and every other bill each month for XXXX + years. It was very easy to see my payment history in that app. I went to the bank yet again after cooling off for a few days.. I spoke to a banker that helped me before ( cant find his card ), and he tried to investigate. He called their Tech Support department and was not able to identify the problem. He asked the bank XXXX, XXXX XXXX, to assist. She offered assistance but could not identify the problem. 

They offered me a {$50.00} visa gift card. I told them the fees I had to pay XXXX XXXX were more than that. XXXX said if I could provide proof of the fees charged they were credit that back to my account. I immediately went home and emailed the proof ( attached ). I waited for the promised next-day call. I finally called them to follow up after XXXX days. I was told by XXXX that they investigated and found no proof that I attempted to pay those bills, so they would NOT reimburse me. 

I asked if it made any sense at all that looking at my credit history, and they knew they were having major issues with the online banking system during the transition, that I just decided not to pay mu power bill until they shut it off. They said nothing, which caused me to open new accounts with a better bank. 

Opening new accounts was no easy task. I had monthly checks automatically deposited, I had XXXX payments automatically deducted monthly. I paid my bills online. It will be an inconvenient dance for several months until everything is complete and I can work with XXXX bank. 

I am hurt that Truist thought so little of me that they let me take my money and close my accounts, including my credit card, checking and savings accounts for a {$75.00} fee they refused to pay.
Consumer complaint received 2020-06-05
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.XXXX {$110.00} XXXX {$97.00} XXXX {$100.00} XXXX {$390.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00}
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (DE)

The SunTrust and BBT merger resulted in an ATM sent to me that failed to work. I had to drive 40 miles to the nearest beach despite having a child with XXXX who had to be transported because the company I use wouldnt take him as my card failed. I also had to miss work as an XXXX XXXX of XXXX during a COVID spike. The XXXX branch tried unsuccessfully FIVE times to activate the card with Truist customer service telling him it was my card controls. I did as instructed- tried to make an ATM withdrawal of {$100.00} which failed. The card control was {$700.00}! The branch manager issued a temporary card for me to use, ordered a new one for me, and cancelled the other cards associated with my account. Today my new card arrived, and I have been unable to activate online while CORRECTLY SIGNED IN TO MY ACCOUNT. It failed to activate using BOTH PHONE NUMBERS tied to my account. I can not have my childs safety compromised by this level of ineptitude. As an adult XXXX child the one time I did try to get him home by public transport, he misread the bus sign and wound up in a small town FIFTY MILES FROM HOME AT XXXX pm in the dead of winter. Thank God for kind people who helped him catch the LAST BUS back to home. 
For over 25 years I had NO ISSUES with SunTrust. Im under one year Truist has made our lives XXXX. I want nothing more to do with them. All I need is this card business corrected so I can change banks. I can not keep taking time off to deal with Truist errors- they knew it was going to be a problem and had no regard for the inconvenience to their customers.
Consumer complaint received 2021-02-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in XXXX of XXXX i took out a loan with XXXX  to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX  XXXX. in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now XXXX has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and XXXX but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXX XXXX  owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Consumer complaint received 2020-07-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Global Lending Services LLC (MD)

I have expressed to my car loan lender that I am unable to make payments due to COVID 19. I was told that I am only allowed to place a car payment back into my loan amount once after every 6 months of consecutive on time payments are made. I was only able to do this once after being unemployed due to COVID 19 for over five months.
Consumer complaint received 2021-11-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (VA)

I was given a loan with OneMain which they secured with my XXXX XXXX XXXX XXXX XXXX Title. They valued the truck engine at {$13000.00} and added {$3000.00} for insurance. This loan was secured at the start of the pandemic in early XXXX. I have been unable to pay and the local office was aware. They recently obtained an outrageous judgement of over {$21000.00} yet will not release my title to me so I can attempt to sell the truck and reduce the amount owed. I was attempting to fight this in court but my witness was ill. I would like an opportunity to try to sell the truck or suggest they sell. Their comment, through attorney, was we dont hold collateral.
Consumer complaint received 2022-03-04
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: ProCollect, Inc. (TX)

Procollect is still reporting negatively on my credit report, and the balance was paid in full. I was in constant contact with XXXX Apartments and their regional management staff. Due to a car accident, I had payment arrangements set up with their regional XXXX. When I made the payment, I was told that it would not reflect negatively on my credit report, and it is still showing negative. Procollect somehow became involved, and Procollect did not do their due diligence to investigate the facts of the issue. XXXX is reporting the account is still open, and it is not. It is an apartment that I no longer live in and a company that is no longer in existence yet ; my credit profile is reporting negatively? The account shows paid in full but categorized as a charge-off, and it was not. I need this account to be removed from my credit report.
Consumer complaint received 2022-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX I got an email saying my account has been blocked due to suspicious activity. I called in and was told that my account is closed and the remaining funds will be sent through via check to me. Ive been contacting citi bank for a week now asking them the update on my check. I have {$30000.00} in my account and they wont give me answers on when my check will be mailed or if I can even track it. Everytime I call I get a different response and they end up hanging up on me at the end while Im trying to finish my sentence. XXXX day their response would be your account is still under investigation and the next your account has been closed and your check should arrive in 7-10 days and others would be we dont have a answer for you. Like what is it? You say my account is closed down, then give me my money back. They wont allow me to go inside the branch either. At this point Im out {$30000.00} and no real answers.
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC (FL)

On XX/XX/XXXX My Step Mother received mail in my Maiden name but with her address from Jefferson Capital. I have never lived at that address and has never been listed as an address I reside in. I have not had this name in over 5 years. It contained private information. I have not been contacted from this debt collector by phone or email or mail at my current address that I have now resided in for almost 4 years I have also checked my credit report and show nothing. Below is Jefferson Capital Address that this letter was sent from. In my investigation I had found there is a class action lawsuit against this company from during searches for family members in attempt to collect a debt. 

Jefferson Capital XXXX XXXX XXXX XXXX NC XXXX
Consumer complaint received 2020-07-31
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. (PA)

I wanted to buy my XXXX yr old son a new car for his birthda. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Consumer complaint received 2022-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Neon Newco Corporation (FL)

Well I receive a net spend XXXX card XXXX that I didnt ask for. So i made a purchase and the netspend ask me for my social security number. My name is XXXX XXXX XXXX XXXX and I just want to cancell my account and they said that I havent opened any account. I am worry about my social security how they know it if I havent give it to them? I just want to pay the money and closed the account that I have never opened because this is Froud.
Consumer complaint received 2018-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

Since XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX has been both reporting and attempting to collect a debt for XXXX XXXX company. This is a debt that was NEVER owed. I spoke with XXXX and it was supposed to be resolved as of XX/XX/XXXX. I disputed with all 3 credit bureaus only to receive the response that meets the requirements of the fair credit reporting act. 
On XX/XX/XXXX I recieved notification that XXXX XXXX XXXX reported a update of delinqent account to my credit report. 
On XX/XX/XXXX I called both XXXX XXXX XXXX and XXXX. At this time I was told : ( a ) I owed no money to XXXX ( b ) XXXX did not sent my account to this collection company ( c ) The amount of {$180.00} was credited to my account to show I owed {$0.00} balance since XX/XX/XXXX. 

I have been denied an apartment application, credit cards and loans because of this falsified debt owed. I have also been paying higher insurance premiums based on my credit report that reflected a false deliquency. I would like to know how many others are being forced into paying debts they dont owe by this same company. I would also like to know how they had the authority to try to collect a debt that essurance denies was sent to their collection department.
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a billing statement for my credit card with Capitol One, Which is XXXX XX/XX/2022. While viewing the list of my consumer credit transactions I noticed a billing error. Capitol One failed to credit my account properly. I was billed {$500.00} and my Available credit showed {$0.00} when In reality I should have {$500.00} of available credit and a Balance of {$.00} Capitol One being a Creditor failed proper treatment of my credit balance and this is clearly explained Pursuant to 15 USC 1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Consumer complaint received 2020-07-31
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. (AR)

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$6300.00} XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}
Consumer complaint received 2022-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

This is my second complaint against XXXX XXXX for holds on large deposits of bank checks into my father 's estate account. The explanation for the first holds were placed because the account was less than 30 days old ( new ). Yesterday I made a large deposit and the deposit slip indicated a 1 day hold. The account has now been opened for 34 days and has had no returned checks. This morning I received an inbox message online that actually a 7 business day ( 11 day total ) hold was placed. No reason was given other than to contact the issuing bank. The check was issued by XXXX  XXXX XXXX XXXX XXXX. The previous complaint response explained Wells Fargo policy. Again they have not followed their own policy and have given no justification.
Consumer complaint received 2020-12-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Because I asked for validation of debt when I physically mailed certified letter to the creditor of the alleged debt posted on my report but there is no way to reach them as they deliberately put bad address. The credit bureau did not verify anything and just leave it. How come they put it is in dispute when it was not validated.
Consumer complaint received 2022-06-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was scammed for {$3000.00} by someone that supposed to be a lawyer. I did not receive the service this guy supposed to have given me, which was to file a law suit for me against this company for personal injury. Twice Capital One told me to fill out this dispute paperwork for the {$3000.00} charge made on XX/XX/2022. The last time I filled out the paperwork and sent to Capital One was on XX/XX/2022. On XX/XX/2022 they told me returning the paperwork on XX/XX/2022 was outside the 180 days window from the original date of XX/XX/2022. It is too late to continue the dispute. This is not true. They lied to me.
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX 's 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-03-04
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 's 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose