davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/2022 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX TN. I had the misfortune of having to interact with XXXX. I inquired about making international transfers via the phone as I live part time in XXXX, she said they did not allow this and I had to go into the Branch. I told her there must be a way and she became argumentative and we went back and forth, I asked to speak with one of the bankers and she said they would tell me the same thing. Extremely rude, condescending and an overall unpleasant person. I ended up speaking with XXXX who confirmed that this could be done. XXXX did not know the process very well so I ended up speaking with XXXX who was almost as bad as XXXX and did not care when I complained about XXXX 's service. I was told I needed to sign paper work and get a pin and it would take about 2 days. I completed the paperwork and left. I told my wife that it would need to be mailed and would take 2 days which did not make sense to her and she called XXXX on XX/XX/XXXX, who then said it would take 2 days to process and 5-7 to get the pin. XXXX said she could not help ( although made no attempt to call the wire department ) and said she would transfer my wife to the wire department and then did a " cold '' transfer to the normal customer service line and someone in the XXXX. This person was also unable to help and so my wife asked to speak with someone in the U.S. She ended up getting transferred several more times ( 4 in total ) until she was told that the wire department does not speak to customers. I have a need to transfer the money early next week and am back in XXXX and Truist created a number of problems by preventing me from making a transfer and access to my money. The conversation with XXXX and my wife was late on the XXXX a Friday and she did not appear to want to take the time. This is not the first time we've had issues with extremely poor service from Truist.
Consumer complaint received 2023-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I recently reviewed a copy of my credit report. I was shocked to learn i have been a victim of identity. I found numerous accounts on my credit report they were not open by me. This has been hurting me as i am in the process of buying a house for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2022-08-27
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: Global Lending Services LLC (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 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 2019-08-04
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. (TN)

I am a XXXX yr old victim of identity theft. i have on file with transunion a id theft affidavit and ftc complaint. Although the fraudulent accounts were cleared. The inquiries still remain and more have come about.Also transunion had a server error where a ton of inquiries were deleted from customers reports and added back on.Only one thing. They failed to do the procedure lawfully. Lease be an intemediary to make sure to delete all the inquiries that should have been deleted. in the first place. I HAVE NOT APPLIED FOR CREDIT IN THE LAST 10 YEARS!! PLEASE DELETE
Consumer complaint received 2019-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The issue was not resolved! I have looked at my XXXX XXXX report and the issue still remains! The XXXX mortgage account is showing " NEED ATTENTION '' as if the account is still open. All of the closed account under bankruptcy is showing for the ACCOUNT STATUS " DEROGATORY '' as if the account needs attention. Once bankruptcy is filed there should not be any other derogatory comment. The ACCOUNT STATUS should say CLOSED on all the accounts under bankruptcy not DEROGATORY! That is the LAW!!!! 
I am not going to go back and forth with TransUnion!
Consumer complaint received 2023-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (LA)

I signed up with SQUARE , INC payment processor about XXXX weeks ago to transact payment for my online Educational content that I sell. 
We were fully approved for the account within a day and we began to process payments. 
Everyday I would get reminders that I need to submit information more information about my business which I did time and time again. 
I received a notifications that I would receive the funds after XXXX days which never happened, and today I received a sudden notification that they terminated my account and they will hold all my funds for XXXX days. 
They are collecting interest on my liquidity and refusing to speak with me on the phone of via email. 
We have a legitimate business which has done over {>= $1,000,000} in volume in XXXX
Consumer complaint received 2019-08-04
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: EQUIFAX, INC. (IL)

To whom it may concern I see where I tried to purchase a car and the dealership ran my credit and i have negative items on my credit report. I never enter anyone hospital and i not sick i am a young healthy Man and someone use my identity to receive medical care at the hospital or doctor. this fraud.
Consumer complaint received 2019-09-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NV)

My homeowners Hazard Insurance was hijacked by a partner company of my mortgage company ( Mr Cooper ). They simply stopped paying my old insurance then more than doubled my rate under their partner. My old insurance was with XXXX XXXX for many years without incident or problem. My mortgage company was Nationstar but they changed their name to Mr Cooper and that's also when they stopped paying my insurance from escrow. 

I made no changes from my end for them to do such a thing as hijack my existing insurance and then raise my mortgage {$200.00} a month for a very poorly rated insurance company XXXX XXXX. 

I had to pay {$4400.00} for the first year while my old insurance was {$1600.00}. I have now gotten new insurance which is only {$900.00} a year but I fear they are going to hijack my insurance again. They require you to pay it from escrow, but then don't pay out leaving you without insurance. 

How is this legal? This mortgage company ( Mr Cooper ) has already faced government scrutiny and paid heavy fines under the brand Nationstar. Changing their name has not changed their methods. Also XXXX should be properly investigated. 

I'm out at least {$5000.00} for 3 years of over-payments. This is unacceptable.
Consumer complaint received 2019-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

claims of debt from a credit card in XX/XX/2012 owed, however I have a current account with them now that is in good standing. Must be a mistake or fraud and company will not take off my credit report for all these years.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Called Capital One after Hurricane Florence because my house had been damaged severely asking for a reduction in payments and was told they couldnt help. I can not make the minimum payment of $ 260+ since Im still trying to recover from the hurricane and they have closed my account after trying to make a payment and returned the payment after accepting it.
Consumer complaint received 2021-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My debit card was hacked and used in two different cities on the same day multiple times ... ... ..9 times in XXXX , Pa. without my knowledge, starting XX/XX/XXXX, until XX/XX/XXXX, when I discovered it ... .I was very XXXX  in XXXX through the beginning of XXXX and did not notice the withdrawals. the withdrawals in XXXX were all odd number withdrawals, which I never do. I spent some time in the branch office of Citizens Bank to try to resolve this, and the folks there were helpful and agreed that fraud was indeed noticeable. The following dates and amounts were from XXXX, Pa., and the same day use is next in XXXX, Pa ... ... ... ... ... ... ... ... .. 

XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX, Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... ... XXXX XXXX XXXX Pa XXXX 
XXXX ... ... ... XXXX none XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX, Pa. 
XX/XX/XXXX XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX missing that page of statement XX/XX/XXXX ... ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX XXXX Pa XXXX 
XX/XX/XXXX ... ... XXXX XX/XX/XXXX .... XXXX XXXX, Pa. 
XX/XX/XXXX ... XXXX XXXX XXXX Pa XXXX 

The XXXX amounts include a {$3.00} service fee added for foreign ATM. 
All of my withdrawals from ATMs are in equal amounts ... 

I received two letters from Citizens Bank denying that fraud occurred, because the bank employee at the branch that I went to broke it up into two different claims for some reason unknown to me. 
It seems quite obvious that another person had my information to me..
Consumer complaint received 2019-07-13
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. (TX)

I am an Identity theft victim who requested for information to be deleted and blocked from my credit report. Sent proof of Police Report, FTC Affidavit 3 times, once by Fax and Twice by Certified mail for 3 years. Item was deleted by Equifax previously and now has been put back on two days ago. Contacted Equifax customer service and was connected to overseas representative who stated it would be deleted and blocked on XX/XX/XXXX the day I called because all information sent in was verified and that he would send me an email that day showing it has been deleted. XX/XX/XXXX Called back because no email came showing information was deleted and blocked, so again I asked for it to be taken care of immediately. I was told it would take 30 days, however informed 2 supervisors and 3 representatives that this is incorrect according to the FCRA listed below 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

I sent certified mail with return receipt the information above in 2018 and again Feb 2019. Gave the representatives the certified mail numbers and requested this to be deleted immediately or I would be filling a complaint. I was told again it could take up to 30 days, advised they are not following the above stated law and I had recorded all phone conversations and would be filing this complaint. I have attached again copies of the FTC Affidavit, Police Report, Fax that was sent to Equifax in 2018.  Equifax report showing it was on there because I was told by a supervisor that these items were never reporting on my report before now. Equifax report from last month showing that it wasn't on there because it had been deleted but not blocked because it is back.
Consumer complaint received 2019-07-13
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 — Was not notified of investigation status or results
Company: CCS Financial Services, Inc. (NC)

I have tried to resolve this account and I can't get any help from them. I've sent them 3 letters and I have gotten no response to my latest letter dated XX/XX/2019. It's been 2 months and I haven't heard anything, its a shame how company 's can just say they validated a debt but doesn't send you any proof or nothing, and the Credit bureaus are just as bad it's ridiculous.
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I was residing in an apartment building, which I then had to request a new apartment due to multiple sanitary conditions as well as appliance and other maintenance repairs not done upon my move in date. I was then reassigned to another apartment, which was not any better. 
However, during this short time, I did pay for the rent while I was there. I was then called upon by XXXX different emergencies. First my XXXX  was in need of full time care. I assisted her for some time until our family was able to find an appropriate agency for her needs. 
Second, I am a XXXX XXXX XXXX XXXX, and I was called to do a tour in XXXX. This was explained to the management of the complex. However, they replied with, wrong dates. 
I am respectfully requesting that this debtor be removed from my credit report. I have attempted to contact them as well as file a dispute, but I did not provide as much detail. Yet, I provided them with the medical documentation as well as a legal letter from my XXXX  XXXX XXXX.
Consumer complaint received 2019-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TN)

I completed the terms for the sign up bonus on my American Express Delta Skymiles gold card on XX/XX/2019. I still haven't receive my sign-up bonus yet. Every time I contact customer service, they tell me that it's under investigation and tell me to wait longer.
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One Bank retaliated against me because I recently filed two complaints against it with the CFPB. My credit limit has been {$1000.00} for a long time. Currently, as of XXXX XXXXXXXX. today, my account online shows a balance of {$91.00}. Thus, I should have Available Credit of {$900.00}. There are NO pending transactions. Yet, Capital One, without reason, reduced my Available Credit to {$99.00}, as of XXXX XXXX today. Thus, Capital One intentionally, arbitrarily and maliciously reduced my Available Credit by {$800.00}. With no new purchases and no pending purchases, there is no reason - other than RETALIATION- for Capital One to have reduced my Available Credit. When I called Capital One, their representative said that it was correct without willing or able to explain.
Consumer complaint received 2019-11-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

The following is an email I sent to Equifax today XX/XX/2019. Regardless of their response, I believe it is important to note the redundant Personally Identifiable Information that they request just to get back into their online venue. 

Dear Equifax, Recently I disputed an item online. Days later I received an email saying that the dispute was resolved and I should get back online to see the results. Upon trying to get back into myequifax, I input the wrong password twice - this locked me out of my account and gave me a toll-free number to call. Upon calling, I was tied up by the robot for 5 full minutes ( I timed it ) while you confirmed my identity, with a bunch of questions including information we are not supposed to give out over the phone to anyone according to your own safety advice ( ie Social Security Number and Birthdate among other PII ). Finally, I was connected with a representative who attempted to get all of the same information from me once again - but this time it was a foreign person and I felt much better giving the info to the robot than another person. His identical questions made me question everything he asked because I told him time and again I simply needed my account unlocked. The reason for me getting into my account should not be any of his business but he would not unlock my account without the exact reason why I was trying to log in. 
This is truly unbelievable. Equifax should be the most responsible company on the planet yet they continue to pry additional information far beyond anything that is needed for American Commerce. And two tries at a password that has not been used in weeks is outrageous. You folks owe me the response as well as some compensation for the time it has taken me to deal with this - and still without any information. 
Please mail me the response I was attempting to get or otherwise make this right. I am sick and tired of trying to fix errors in my reports. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX And you don't need anything else to identify me!
Consumer complaint received 2022-08-27
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: Affirm Holdings, Inc (FL)

In accordance with the fair credit reporting act XXXX  accounts # XXXX, has Violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15USC 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 2023-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (DE)

So, It all started from XX/XX/XXXX - While CashApp withdrew the amount of {$50.00} from my bank account and then sent it to some unknown XXXX address. It was a small amount, so I didn't realize. I thought it was credit card payments. Cash App then consecutively withdrew money from my bank account and immediately was doing bitcoin transactions and was sending money to some random bitcoin address. I was not aware and Cash App was doing transactions like they started from {$50.00} then {$100.00} then {$250.00} for a few times and then {$1200.00} and at last on XX/XX/XXXX - {$1900.00} withdrawn from my bank account through Cash App. Those are all fraud transactions so, when I realized then I contacted Cash App immediately and reported fraud but, they made me accountable saying that I authorized the transactions ( However, I didn't and I didn't get notified for all time ). My Cash App Amount is closed now so, I can't post the bitcoin address where money was being sent but, XXXX {$5200.00} around money was withdrawn from account. Cash App is saying that me or someone I know authorized charges which is false. Money was not sent to any known person/business. I suspect someone from CashApp did transactions and made me accountable when I filed a complaint.
Consumer complaint received 2019-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (NV)

On XX/XX/XXXX I submitted a dispute via XXXX XXXX in regards to an account that had been opened that I was not responsible for : CMNWLTH FIN - XXXX XXXX of XXXX - opened on XXXX XXXX XXXX in the amount of {XXXX}. I moved from XXXXXXXX XXXX  to XXXX XXXX, XXXX in XX/XX/XXXX, of which I was and still am able to prove. On XX/XX/XXXX the investigation was completed and the result was in my favor : XXXX deleted the account on record from my credit report. I went online today to see about what I can do to build my credit and I noticed that a new account has been added in the amount of {$1000.00} so I opened it to see into the details of the account and sure enough it is the same account, except now it's through a *different collection agency and has a **new open date : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX - **opened XXXX XX/XX/XXXX in the amount of {$1000.00}. It is my understanding that this practice is called Re-aging / Re-insertion and is illegal. I have opened a dispute with XXXX XXXX for a 2nd time and I will follow through on that end, but I want to pursue all avenues to clear my name and record and hold these agencies responsible for the negative impact to my Credit Report & Score in addition to the likelihood that I'm not the only victim.
Consumer complaint received 2019-07-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc. (KY)

I had a medical bill with University of XXXX XXXX XXXX. First they did not correctly bill both of my insurances. I am not sure they have to this date. Second, I notified them I qualify for financial assistance under the IRS Section 501 and sent my income information to the business office. They turned this over to a collection agency GLA collection. I sent the same notifications to both XXXX XXXX XXXX and GLA on multiple occasions and they have reported this on my credit. Damaging my credit. Despite my repeated letters they have not attempted to resolve this. I gave them permission to speak to my mother in law XXXX XXXX. They never contacted her about this ( I am in XXXX and work ). They have been sent cease and desist letters but continue. The hospital has failed to process my financial assistance as required.