davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

The credit report has me at late payment for XX/XX/XXXX. I did not purchase the XXXX  until XX/XX/XXXX. I was never late on my payments. Experian as the account opened as of XX/XX/XXXX. I am not sure how I can have a late payment a month before I purchase the XXXX.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MN)

For over a month I was having problems with my Venmo debit card not working at all. Every time I would enter it in somewhere online it would say invalid card which I kept letting them know and never getting it resolved. Finally they cancelled the card and told me they would issue a new one, and then turned into they couldnt issue it and I needed to order it myself on the app, but constantly getting errors and it not working which contacted them over 15x about also. So the only option I had to use my Venmo account was to make transfers with the money. I transferred money into my HUSBANDS AND MINE BANK ACCOUNT, and right when I made that transfer they froze my account. They then asked for my ID, which I already have them over 20x when trying to get a new card, but sent it in anyway just for them to say I violated community guidelines and they were cancelling my account. Which was okay and fine, after all this I will NEVER use anything with them anymore and letting all my family and friends not to also, because all the money in my account which is XXXX, XXXX is from reputable direct deposits and is from taxes. Literally for the five years that I have had my Venmo account money that has gone into it has ONLY been from direct deposits and showing exactly where the money comes from. There has NEVER been any other source of money so for them to freeze my account and not release my funds is completely absurd when all I did was a transfer to OUR BANK ACCOUNT!!! Which isnt over seas, out of country, literally nothing suspicious about it in anyway. Literally going back and forth with them for almost a month and they will not give me any information, and will not answer ANY question I have. All they keep saying is they have came to their decision and cant change it, when all I want is my money out of the account, when because of all of this it has put me in XXXX worth of debt and has left my children and I homeless because we needed our tax money to live. We have been in this pandemic and I havent been able to work, that SO many Americans are in the same boat and for them to just steal our money and not release it is not okay. I literally have done everything I possibly could and cant get anywhere with them and I am just at a complete loss without my funds. My children are literally homeless because of this happening and I am so broken and lost with them doing this to me for NO reason. They emailed me today saying that my Venmo debit card was cancelled, when I have been fighting with them for well over a month to get a new card, and the debit card wasnt issued UNTIL they already froze my account, that i never even got the debit card they cancelled which is why I had to make transfers in the first place because I couldnt get access to my money any other way, and then they penalize and wont release my funds because of it!!!
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, XXXX XXXX
Consumer complaint received 2018-10-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (NC)

Please know this is a formal complaint. I am writing you because of my sheer disgust in how I am being cheated by XXXX  XXXX. It is my hope that someone here in the US can get this matter under control now. When I purchased the car In XX/XX/XXXX I was supposed to begin payments in XX/XX/XXXX, statements attached. However, I started to pay in XX/XX/XXXX. My payments are due on the XXXX of each month and late payment charges are which are only about XXXX are not to begin until the XXXX day after the due date. I have paid more than the amount I was supposed to pay each month but, yet I keep getting charged a XXXX late fee. I dont owe a late fee and the late charges are not XXXX per month. I need someone to straighten this out before I make another payment. I called to complain over and over finally, a XXXX in your escalation department somehow got the late chare taken off for XXXX only to be placed on my account for the XX/XX/XXXX due date. This is ridiculous. Also, I dont know what country your representatives are in, but I can tell you they are liars and they are rude. Again, with the escalation department I spoke to a woman who said her name was XXXX on XX/XX/XXXX, she just kept repeating that I owe a XXXX late charge and I kept telling her I did not. When I asked to speak to someone in the US she told me that the US office did not have the power she had, but that she would put me through to the US office. She placed me on hold and never came back. I am not paying a XXXX late charge I dont owe. Before I report this to the XXXX, please have this straightened out and the funds I have paid to your company appropriately placed to my account.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The Outsource Group, Inc (NV)

I paid account in full to Medicredit when they called and asked me to pay, they told me they would submit it to the credit bureau to be showed as paid within a month. It has now been 5 months ( I paid it in XXXX ) and they have yet to report it as paid. They are ruining my credit and ability to refinance my house. I believe I have given them ample time to correct it and they still have not fixed it.
Consumer complaint received 2018-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CURO Intermediate Holdings (MO)

There have been several hard inquiries that have shown on my credit report. I have not applied for anything in several months due to the fact I am trying to clear out my credit debts and raise my score to purchase a home this next year. There are companies that I don't even know who they are that are showing a hard inquiry on my account. My identity was stolen in 2016 and I now have to apply for a PIN every year to do my taxes. Please make sure these are removed as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion, XXXX, and XXXX, XXXXXXXX XXXX XXXX  and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX  when they thought that I was not monitoring my credit.
Consumer complaint received 2018-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY (FL)

XX/XX/2018 I received a letter from American Express Consumer Care, Fraud Department, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX after applying for the XXXX XXXX XXXX from American Express Credit Card.

The letter states, " In order to continue processing your application, please supply the following information : Your home address. Please provide a letter from your bank confirming your home address. To ensure timely resolution, please ensure the letter is on original letterhead from the bank and contains the following : *The banker 's name, title, hours of availability and signature. *Confirmation of your home address *Main number to the bank branch *An extension or personal line to the banker when applicable. '' It also states, " This information is essential to your protection as well as our records ... Please include reference number XXXX. '' I called the fraud department and was unable to get any details about why my application was immediately sent to the fraud department. I informed XXXX, Fraud Department Customer Care, ID number XXXX, that his request was a violation of the Patriot Act, Privacy Act, to have a 3rd party who doesn't even know me verify my address. I asked why his company didn't just request a Drivers License or bank statement. His only reply was " other bank 's write them, try a different bank. '' This letter request is a violation of my privacy, and I have the right to know why my application went directly to a Fraud Department.
Consumer complaint received 2022-06-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I went to a Regions Bank location and requested that my joint account be closed with my son. I am currently the legal guardian of my son and presented paperwork that shows I have legal authority to handle his legal and financial matters. The bank confirmed the account was at XXXX balance and that the account was closed. They took the debit card associated with the account and cut it up. Two days after closing the account, a recurring charge was presented to the account and created a negative balance. I chatted with Regions Bank and informed them that the account had been closed and that any charges presented to the account should have been declined. They informed me that despite the account being closed, when a charge is presented, the account will reopen and go through. I specifically asked them what the point is then of closing an account if future charges can go through and reopen the account. They told me they could not assist me in reclosing the account until it was back at {$0.00}. I made a XXXX  payment to the account and brought it {$0.00}. They provided me a confirmation number that the account would be closed. The next day, I had an alert that there was a {$36.00} overdraft fee for the account being negative, despite my closing the account at a XXXX balance. Regions Bank stated they are not able to reverse the overdraft fee.
Consumer complaint received 2018-04-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (FL)

Submitted multiple sets of documentation to Shellpoint overXX/XX/XXXX and XX/XX/XXXXto have loan modified to comps in the area. XXXX XXXX FL homes were # 1 in areas hit hard in the real estate crash ofXX/XX/XXXX. They jerked us around for a year and claimed docs needed to be resubmitted. I want the late charges removed from this account. They falsely claimed docs were incomplete or not received.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

This company still refuses to pay the bonus that I should have received for opening a Choice Checking Account with them on XX/XX/2018. Despite repeated efforts of following up and demanding this bonus, they didn't pay it out. Now they claim that I didn't sign up for that promotion-that I clicked the wrong link when I signed up for the Choice Checking Account. This is completely contradicted by a message that they sent to me on XX/XX/XXXX saying that I should receive the {$200.00} bonus six to eight weeks after maintaining a {$1500.00} balance in their account for 90 days. They have lied over and over again, and still not paid me this bonus. I just in the past week initiated a transfer of my {$1500.00} balance at XXXX to my CHase bank and am still waiting on receiving that, but I still am owed that {$200.00} bonus they should have paid me by no later than XX/XX/XXXX according to their own XX/XX/XXXX message.
Consumer complaint received 2018-11-24
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: 1st Franklin Financial Corporation (GA)

Details Account : 1ST FRANKLIN FINANCIAL Amount : {$97.00} Status : Late 30 Days I challenge the accuracy, compliance and reportability of this listing by 1ST FRANKLIN FINANCIAL, and this is an error and you must remove it, this against the law. 
... grave errorsfalse claims and reportingI want this removed immediately or litigation may follow. 

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2021-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Chime Financial Inc (TX)

I have a chime credit builder account and not able to pay the {$14.00} balance because they said I can only pay with chime checking account. My chime checking account is in the negative so I cant use it until I get it fixed. Chime credit builder also offered another way to pay it from another bank. I called Saturday XX/XX/2021 to speak with the company about paying my credit card from another bank. The associate I was speaking to didnt know what I was talking about and I wasnt understanding how she didnt know what I was talking about when Im the chime app it says I can pay my credit card with another bank. How do you work for a company and not know all the details about it. She didnt want to transfer to nobody as well. Now my credit is messed up.
Consumer complaint received 2019-03-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (LA)

{$120.00} was deducted on XX/XX/19 after I sent a revocation of automatic ACH debits, check debits and debit card payments. The receipt of the revocation was acknowledged by XXXX prior to them taking the money out of my account.
Consumer complaint received 2022-06-10
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: 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

Dear Sir/Madam This is the complaint number seven against XXXX please be noticed many many time i sent to XXXX there two Unauthorized Hard InquiryXX/XX/2018- XX/XX/2018 XXXX XXXX ( SEARS ) and all responding from XXXX  Mentioned that ( inquiries are a factual recorded of file access. if you believe this was unauthorized, Please contact the creditor. CitiBank Na, XXXX XXXX XXXX XXXX XXXX   SD XXXX so i had contacted many time and received a letter to remove this unauthorized hard inquiries so what i have to do then XXXX ask me if you believe this was unauthorized, Please contact the creditor and i did many times and received a letter from them to remove this hard inquiries and XXXX don't want to remove this Unauthorized Hard Inquiries
Consumer complaint received 2024-02-23
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. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under section 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

XXXX XXXX XXXX.
Consumer complaint received 2018-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing to dispute the following information in my file and request removal. 
Please remove hard inquiries from XX/XX/XXXX. And remove all past debts from XX/XX/XXXX-XX/XX/XXXX. All credit accounts and judgments debts are inaccurate and incorrect because they are 10 years old and hindering employment.

These items of hard inquiries and past credit debts disputed by XXXX, TransUnion, XXXX and XXXX XXXX I am requesting that the items be removed.

Please reinvestigate this [ these ] matter [ s ] and [ delete or correct ] the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-11-24
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: EQUIFAX, INC. (SC)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2018-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MO)

I contacted US Bank on XX/XX/XXXXabout unauthorized transactions on my account and was told there was nothing they could do about them because I was at the establishment and I have to wait for them to post. I looked at my account this morning and I have an overdraft fee. I called and I wanted an explanation and I was told that the transactions from XX/XX/XXXX brought the account negative which is not true. US Bank is attempting to pre charge me a fee on an authorization that is fraudulent and not authorized. This is bad for business. I was not advocated for as a customer. US Bank looked for a way to profit from my loss. This is very distasteful. I asked to speak to a manager and it was refused.