davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I summited all documents since 2018 to current that the account was included in my bankruptcy as well sent in the docket information as well. They sent me a letter telling me that they would update the statues and never updated the information. As well account was paid off the through chapter XXXX and is reporting as a collection in my report this is inaccurate information. Ive asked them to correct this several times my next step is to contact my attorney.
Consumer complaint received 2019-07-29
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. (GA)

There was inacurrate information reported on my credit report from all 3 bureas. I have contacted all 3 bureas ( XXXX, EQUIFAX, AND XXXX ) in a dispute process and over the phone. XXXX and XXXX deleted the negative information but Equifax has yet to delete the problem. On XX/XX/2019 I sent my second round letter to equifax with proof that XXXX and XXXX had deleted the items, and asked equifax to provide me with verification about the accounts. They have failed to provide me information validating the accounts and i have uploaded all the proper documents. Thank You
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (OR)

There is a collection agency Knight Adjustment Bureau based in Utah. They have placed a {$10000.00} collections account onto my credit report for an account and a company I have no idea of and no dealings with. This is not an account I have ever authorized or been a part of. I feel this is a fraudulent account and company. Furthermore, after calling the company and leaving a detailed message to see what the account is actually for and to dispute it with them, their representative called me hours later on my cell, from his cell. The male representative of Knight Adjustment Bureau ( Utah ) proceeded to tell me that it was extremely illegal to call me to solicit a debt due to my residence being in Oregon. He proceeded to talk to me about my account very reluctant with info and acting like he was doing something wrong. He openly admitted my debt amount while talking to me and that what he was doing was illegal and that he could not legally call me in Oregon to solicit for a debt. I then immediately hung up and called the XXXX credit bureau line. Having no knowledge whatsoever of this charge and account, and after such a strange phone conversation with the Knight representative, I felt compelled to make a complaint and beg your assistance in this matter.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I had an account with Citizen 's bank for years. I was hit with numerous overdraft fees of $ XXXXtransaction and {$30.00} each sustained negative balance in XXXX, XXXX, and XX/XX/2021. Every time I had a fee hit, I had a positive balance in the account, it would deplete my account into the negative, and eventually was unable to continually argue with he bank about these fees, and I was left with a negative balance. All of these overdraft fees amounted to {$870.00}. The account was closed by they bank, and I have been left to repay the fees monthly.
Consumer complaint received 2022-01-26
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. (GA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-26
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. (GA)

Choose according to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

Suntrust ( now Truist ) abolished all checking account types and imposed new ones ( much higher minimum deposits ) as soon as the merger with a large North Carolina bank was approved more than a year ago. It also added a raft of new hidden fees, which I specifically asked about but was assured there were none. 

The most galling is a {$5.00} a month charge simply because I download account information from the bank to XXXX. This was provided free for decades under the SunTrust banner. And suddenly became an exhorbitant monthly fee when I was forced into a new type of checking account post merger. I complained and was told " Oh, that had been waived previously but since you have a new type of account ( which I had no control over ) we are charging you now. '' This is beyond outrageous for something that is totally automated, had been automated for decades and requires no human intervention or effort on the part of the bank. 

Yet another hidden fee concerns simply writing more than 5 checks ( which includes autopay accounts involving no checks and ATM withdrawlas -- ANY withdrawal ) per month. Also did not exist previously. 

In essence, simply using a bank as a bank now incurs fees, even if you maintain minimun deposits and meet minimum auto deposit criteria. 

Please stop these abusive practices ....
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

Related complaints XXXX XXXX This unknown party continues to call and harass me by " robocalling '' me via my mobile phone. The calls appear to come from ( XXXX ) XXXX and the message left on my voicemail informs me that I must call ( XXXX ) XXXX. 

Each message left over the past three days is different, integrating a voice-recording with " robocall '' audio of some data ( e.g. my name ; reference file number ). 

Today 's call appears to threaten me that my employer, and specifically the human resources department, will be contacted regarding claims made by this unknown party. The unknown party also threatens, via a pre recorded audio file, that failure to respond will forefit my " right to take care of this matter outside of your county '' and " will result in an order for your appearance. '' The information about this unknown party is very limited and a cursory search online has not led to verifiable information regarding the identity of this unknown party. 

The full transcript of today 's message is as follows : -- -- -- This message is intended for XXXX XXXX. I need to verify a current address as well as a place of business address to move forward with the next procedure. At this time you are forfitting your right to take care of this matter outside of your county. 

We may be contacting your human resources department to follow proper protocol to deliver your paperwork on the property. 

Again, the client is willing to rectify this matter if they hear from you today. Their number is XXXX. For reference your case number XXXX. Non compliance will result in an order for your appearance. This is our third attempt.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

11 years ago I used a loan which was originally called XXXX XXXX to start XXXX XXXX school at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my course, because I got sick and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual current real college. I was young and got scammed by them. I would like the debt forgiven as I am now actually trying to take real classes for real credits. Not a corrupt scam school and I just feel like I was robbed by them. This has been going on for over ten years now.
Consumer complaint received 2022-01-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc ()

I can no longer use my paypal account because my account is permanently limited so I can't get my money out because it's still XXXX but I've done everything but I don't know how it can be resolved in this way to help me my paypal account is fine.
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

XXXX  and Equifax both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Consumer complaint received 2022-06-07
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. (OH)

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX # 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 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (VA)

I received a call from ( XXXX ) XXXX who said they were XXXX XXXX XXXX from an IL number. They told me my name, an old address, my social, and date of birth. After speaking with 3 different people, the last person, XXXX XXXX, informed me that I had opened a XXXX XXXX XXXX in XXXX and it was closed in XXXX due to non payment. XXXX supposedly made every attempt to contact me then had it on my credit for 7 years until it was removed then they sent it over to ARA. Never have I had an account with XXXX nor have I ever seen this on my credit. I am worried that I have confirmed all of my personal information for whatever their intentions are and I will not be scammed into paying something fake. Please note I would have only been XXXX in XXXX. 

Collection for : XXXX XXXX  XXXX of Call : XX/XX/XXXX Debt : {$4500.00}
Consumer complaint received 2022-01-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I received a call from who I believed to be XXXX XXXX XXXX. There was an automated system telling me that my account was scheduled for disconnection. Since I know that my account is delinquent I was panicked. I pressed the button they told me to get a representative and the guy walked me through how to send {$410.00} to who I thought was XXXX using XXXX, he then said the amount was not enough to cover my bill so he asked for me to send the full amount, I then send {$490.00} and he said he would reverse the initial payment since it was incorrect. On XX/XX/XXXX I realized after not receiving any refund that I'd been scammed. I called XXXX to confirm. I then called Chase Bank to file a fraud claim and they would not file a claim- they said there was nothing they could do. They are offering a service on their platform, but the consumer has no recourse when something like this happens, I contacted XXXX and they sent me back to Chase. This is basically wire fraud and they take deposits from me for over 20 years and this is the first time I've had something like this happen and they have no help for me. The money was for my daughters tuition and now I am just alone with no help. This is a horrible practice, someone should be able to help me.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Misinformation has been placed. Account information, comments are incorrect, please investigate remove from account immediately. 

Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Type : Credit Account number : XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Type : Credit Account number : XXXX
Consumer complaint received 2022-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION (NJ)

I was recently trying to settle charged off account with a company called Oportune. 
During XXXX, covid hit my family and myself and I was devastated financially. I was out of work and unable to pay back my account and as a result was charged off in XXXX of XXXX as bad debt and written off due to natural disaster. The original amount was {$2100.00}, but they balooned it up to {$2900.00} in 5 months. 

My family still sits in peril after the results of losing lives and jobs due to XXXX, but I want to move on. Oportune agreed to settle and already charged off account in the amount of {$1000.00}. which the asked me to agree to by XX/XX/XXXX. I sent them an email and text agreeing to the settlement before the deadline and when i called to pay they denied any agreement and told me only the full amount would be accepted. I just wish to pay the amount the offered immediately and have this account settled as they themselves proposed, not me. All I want them to do is honor the settlement offer they proposed and get this over with. My family has been devastated enough and this would be a start in the right direction. Attached are copies of the email and my response to the email they deny getting.
Consumer complaint received 2021-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MD)

I have been a XXXX  member since XX/XX/2019 as an Executive member with number XXXX and also had a Citi credit Card with number XXXX XXXX XXXX. I made payments arrangement via XXXX website where i was paying minimum $ 39 monthly .Then i decided to increase my payment to {$150.00} a monthly via my XXXX  XXXX XXXX Account XXXX I was paying regularly and on time since my payment via my XXXX  XXXX XXXX account was set up on the same day my wages are deposited. Then i decided to close my payments via XXXX account since, i was making two different payments i was unable. I called XXXX and they informed me the payment has been deleted and that i will only be paying on my card via my XXXX  XXXX XXXX Account. After a couple of months i noticed that i was been charged {$44.00} on my account i called Citi and they told me it a return payment ; then i informed them that i always get email confirmation of my payments on the day my direct deposit was paid into my account. Little did i know that Citi did not delete the other minimum payment account of {$39.00} which they had informed me they had deleted. 
In XXXX i reported that my card was missing. I received a new set of cards, activated them but when i went to XXXX to make purchases, my card was rejected. Then i called XXXX and they told me my card was closed!! I asked for what reason they told me i have one or two missed payments in the last six months. But then i told them i do pay regularly because, my payments are tied to my direct deposit so there was no way i could miss my payments. Not knowing that Citi did not delete the {$39.00} payments which was the other payment i was doing. In essence I was making two different payments on my credit card. So when they told me my card was closed i was shocked!! and i felt i was not treated fairly like all other customers. I strongly feel that i have been targetted. For what reasons i have no idea. Prior to this incident, i had complained that i was not treated fairly when my credit limit was arbitrarily reduced without notice after i had made some huge purchase when i moved from XXXX  to XXXX. That affected my credit score as such i reported that i was not been treated fairly and that i was targetted as a customer which against the laws.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: AES/PHEAA (NY)

11 years ago I used a loan which was originally called XXXX XXXX to start XXXX  XXXX  XXXX  at XXXX XXXX In Georgia. I cant remember the name of the town, but the school misled me in what the course would actually be, they did not place me at a job as promised in their initial consult. They also had teachers that were not showing up for class, they didnt finish my XXXX, because I got XXXX  and had to take a very short leave. When I was ready to come back they wouldnt let me and I never got a certificate, or placed in a job as promised. The school is now shut down, probably for these reasons and I owe more money to them, than my actual XXXX  XXXX XXXX. I was young and got XXXX  by them. I would like the debt forgiven as I am now actually trying to take XXXX XXXX XXXX XXXX XXXX. Not a corrupt XXXX  XXXX  and I just feel like I was robbed by them. This has been going on for over ten years now.
Consumer complaint received 2018-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX my husband, a XXXX XXXX dressed in uniform went to deposit XXXX in cash into my bank account to pay our Mortgage. We did not deposit a personnel check because we knew it would be a hold on the check and we needed to call our Mortgage company with payment. However with no notice completely by surprise he was told he could not make a cash deposit of any amount into my account. I would need to come to bank to make the deposit. When I arrived I was told the same thing by Manager. At this time my husband was called so he had to go. I ask the Manager and Service Representative for a copy of policy. They told me it went in effect in XX/XX/XXXX and I should have asked about deposits when I opened my in XX/XX/XXXX I informed them that I was was told about other products and monthly balance fees but this was not disclosed. I told them if I had known about this policy I would not have opened an account with Bank of America.I was than told they would call the police because I recorded the conversation because I wanted to get this on record from the Manager. I had just purchased checks from this bank on XX/XX/XXXX. If I could get them refunded I would close my account but since my mortgage was due and I needed to stop direct deposit I kept account open. However I told other Bank of America account holders about this policy and they are going to close there accounts because they are not aware of the new policy. I will also contact the news outlet so this information can be disclose to other consumers.
Consumer complaint received 2023-07-04
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2018-04-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (AL)

I received an initial demand letter from the XXXX based law firm, Aldridge Pite Haan on XX/XX/XXXX. Within the demand letter it is stated, " At this time no attorney at this firm has personally reviewed the circumstances of your account. '' and was signed by the " Collections Department '' for this firm. 

This morning on XX/XX/XXXX, I was served with a Summons to file an answer in regards to this debt. I believe this to be completely misleading as the demand letter states that no attorney had reviewed the circumstances of the account yet suit was filed. I have no indication that my account did in fact have meaningful attorney involvement after the initial demand letter from their " Collections Department '' was sent. It is my understanding a collections department or collections manager for a firm can not file suit on you, only an Attorney can. I received no communication from an attorney after review of my account, if in fact a review was conducted at all before suit was filed. 

Given the recent investigation from the CFPB in regards to the Ohio law firm XXXX, XXXX XXXX XXXX where there are claims of falsely represented in millions of collection letters sent to consumers that attorneys were involved in collecting the debt. I am only lead to believe that this falls in the category of not just letters being mail but lawsuits being filed.