davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (TN)

It is XXXX XXXX thing after another with the bank. Customer service has XXXX XXXX  since they bought out Suntrust. I now have a negative {$50.00} balance because of a XXXX with the bank and a merchant. On XX/XX/XXXX I paid for a grocery delivery from XXXX but never got the food because the XXXX making the delivery went to the wrong place. I got a refund from XXXX for {$52.00} on XX/XX/XXXX. Then somehow magically I get charged {$52.00} AGAIN by XXXX on XX/XX/XXXX and it overdraws the account. I call XXXX and they tell me they issued the refund and don't know what is going on. I call Truist and spend half my XXXX life on the phone and they do nothing about it. Makes me want to pull my hair and teeth out while chewing on my sinews I am SO XXXX SICK of having to fight over things over and over and over with them. Who the XXXX is charging me the {$52.00}!! No one seems to know!
Consumer complaint received 2023-08-08
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. (NC)

A fraudulent derogatory entry was submitted to Transunion on XX/XX/2023. In response Transunion dropped my credit score from XXXX to XXXX. On XX/XX/XXXX the creditor submitted a removal request to Transunion. While Transunion did remove the derogatory entry they have not adjusted my score back to where it was. They refuse to provide me with any information as to why. This is preventing me from getting preferred interest rates on multiple transactions.
Consumer complaint received 2023-07-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P. (AL)

XXXX of 2021 took me to court in Alabama for a debt from Ohio. And then never provided the necessary documentation nor paperwork where payment were to go to. Lawyers quit in the middle of the case
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc. (MS)

Paragon Revenue Group has been repeatedly harassing me. I have contacted them numerous times to settle this debt but they refuse to work with me. They have harassed me at work, told me I need to get a second job, and hung up in my face. They will not work a payment plan out with me despite the fact that I am a single mom working full time while in XXXX school.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 602 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 items 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 cost to believe that the information is inaccurate Also, I never lived at these address 's 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 or know anything about them.
Consumer complaint received 2022-08-30
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. (NV)

I have already explained to them the situation and provided proof when I disputed the accounts with them they said it would take XXXX days it was less than XXXX days they say they investigated the claims but they didnt They still have my car on there as repossessed and its not it was paid off and the account was closed with my lender they wont take it off I then see something pop up from something called XXXX still dont know what that is i gather information contact them they have no idea or record of who I am I report this to the credit bureaus to have it removed with proof nothing they made it to where I can no longer dispute the issues I call because I see my credit is being ran by all of these banks Im being told its a personal issue I just want to be treated like a human being and not talked to crazy or pushed aside my credit means a lot to me this has drastically dropped my score from XXXX down to XXXX please help me and hold them accountable for the things they are doing I provided them everything they needed for my identity theft and these accounts
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved capital one has violated my consumer rights.i applied for a quick silver credit card that I was invited to apply for and was denied due to my credit worthiness.on XXXX XXXX2022.pursuant to federal laws, adverse actions only applys to employment and /or insurance. Neither of these apply to my application for a credit card. I was denied credit based on my credit report which does not have any determination upon my credit worthiness.capital one has also discriminated against me based on my credit report/scores which again is not determination of my credit worthiness. Other violations of my consumer are outlined in my letter which includes 15 USC 1642, 15 USC 1681 M and 12 CFR 1002.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Santander Consumer USA Holdings Inc. (TX)

In XXXX and XXXX I started getting notifications of my credit being ran by various companies for a car loan I did not give permission for any of these banks or lenders to run my credit for approval. This has caused my credit score to drop below XXXX.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (GA)

I am not liable for this debt with XXXX and I do not have a contract with CREDENCE RESOURCE MANA plus they did not provide me with the original application like I asked. 
Account NoXXXX Amount Disputed : {$860.00}
Consumer complaint received 2022-02-24
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (MA)

I am higghly upset that the credit bureaus have not responded back to me about my investigation. this is extremely important to me I need the accounts that dont belong to me to be deleted as soon as possible.
Consumer complaint received 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (MI)

I was promised 0 % apr for 21 months ending XX/XX/2020 After five months of on time payments I accidentally made a payment late by 5 days. 

The late payment was due to their website not working properly. 

I contacted card member services and they agreed to credit me back the late fee. 

Then without notifying me they revoked my promotional period and began to charge me interest. 

I was neither notified over the phone nor was I notified by mail. 

I contacted the both XXXX XXXX and XXXX XXXX XXXX and was given the run around on the phone. 

I was treated very rude. 

I have taken notes on my phone conversations and have the names and dates of those who treated me rude and deceptive. 

I told them that I would call the police and they laughed at me. 

Sincerely, XXXX XXXX  Customer
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. has violated my rights. Or a list of inquiries : 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 2022-08-30
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. (DC)

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from PACER stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 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. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.
Consumer complaint received 2021-08-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I started my mortgage loan application in XX/XX/2021. It is now the end of XX/XX/2021 and I still have not closed. The underwriter is discriminating against me. I have a XXXX credit score, {$30000.00} cash in the bank, Approved Appraisal, Approved DTI, approved title and now after submitting final conditions, the underwriter has again heaped upon me new " catch 22 '' conditions that have nothing to do with the loan. The underwriter demanded that I have 6 months of reserves in my bank account which is NOT a VA loan guideline. I complied and now the underwriter has come back with ridiculous requests that are NOT VA loan requirements. The loan is only {$140000.00}. This is criminal and bigoted to treat people this way. Navy Federal has dragged this process out to approx. SIX MONTHS! Unsatisfactory. I am a XXXX Veteran who is qualified for this VA loan, and I am being denied from closing on it. I am now having to go to another lender after SIX MONTHS with Navy Federal Credit union stringing me along, discriminating against me and not closing my loan. I have been stressed out for half a year trying to close a simple {$140000.00} loan to no avail. Avoid Navy Federal Credit Union at all costs. I realize that nothing will change, but at least I can warn people of the corruption and bigotry at Navy Federal Credit Union. I will be closing all three of my bank accounts with this corrupt institution.
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

In response to the following promotion, I opened a new checking account with Citibank on XX/XX/XXXX. 

EARN UP TO XXXX AAdvantage bonus miles* after completing the following required activities : OPEN a new checking account and enroll in the offer the same day before XX/XX/XXXX SPEND the required minimum amount on purchases using your Citibank Debit Card within 90 days after account opening MAKE at least 2 Enhanced Direct Deposits totaling {$1000.00} within the first 90 days of opening your eligible checking account within the same 90-day window YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities Per the terms of the offer, I was to receive XXXX AAdvantage bonus miles 30 calendar days from the date I complete all required activities. Since I completed all of the " required activities '' on XX/XX/XXXX, I should have received these miles on or about XX/XX/XXXX. It has now been 60 calendar days and I have not received the promised miles. 

I called Citibank on XX/XX/XXXX, and requested that they investigate this matter. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating that " Unfortunately, we are unable to provide the status on fulfillment of the promotion. Fulfillment of the promotional offer is made systematically ; therefore, you would need to allow up to 90 days from the date of satisfying the terms of the promotion to receive the incentive. '' This directly contradicts the terms of the offer that state : " YOUR AAdvantage bonus miles will be credited to your AAdvantage account within 30 calendar days from the date you complete all required activities. ''
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX have noticed inaccuracies on my credit report such as late payments. I am writing this letter to have my credit report updated to be current and up to date. First, according to the F.C.R.A Section 604 ( A ) ( 3 ) 15 U.S Code 1681 ( b ) Permissible purpose states that I have the right to privacy and that my information can not be shared without my written consent! Second, Section 607 ( A ) 15 U.S Code 1681 ( e ) Compliance and Procedures states my report must be 100 % accurate at all times and these late payments are not accurate! Nor did I authorize these late payments to show on my report. Third, according to the Truth and Lending Act Section 15 U.S Code 1666 ( b ) corrections of billing errors the CRA must correct any billing errors made on the consumer 's credit report with a written statement of what accounts need to be updated and corrected. I have already sent a letter 30 DAYS AGO AND YOU ARE NOW IN VIOLATION OF MY CONSUMER RIGHTS! I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. These accounts must be updated AS SOON AS POSSIBLE to avoid any VIOLATIONS FEES.
Consumer complaint received 2022-08-30
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. (MI)

Transunion is willfully and negligently being noncompliance with Federal Law violating my federally protected rights. I have sent multiple correspondence asking for a letter including the method of verification used to determine the accuracy of the accounts and the employee contact information and a signed contract for the accounts you are alleging derogatory and you failed to provide it as that is my rights under the FCRA.I am not disputing ownership nor am I disputing anything, you guys have did multiple reinvestigations verifying the accounts with no proof, which is always a violation of my rights. You are way pass 30 days and the following accounts listed below shall be removed as the FCRA states if ( requested proof is not provided within 30 days the accounts should be removed ) If the following accounts are not removed after you willfully failed to provide proof upon requested, I will proceed to litigation as Transunion is not insuring there grave responsibility to accuracy and ensuring my consumer report is fair and equitable to me. Any damages I continue to endure from your willful noncompliance and negative impact on my livelihood, Transunion assume civilly liable. I have also not received disclosures from Transunion as obligated under the Gramm-Leach- Bliley Act which is also in fact a violation since Transunion is a financial institution which is also violating my Federally protected rights. 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX  ( Balance XXXX ) 6. XXXX XXXX XXXX XXXX and XXXX has also complied and removed the accounts, I am giving you this last chance to rectify this issue.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Good Morning : To Whom It May Concern I notified Experian to dispute some things on my credit report. I could not even speak to a representative but a recording machine which is unacceptable I am disputing my name which is XXXX XXXX Experian has me written as known as XXXX XXXX nor XXXX XXXX XXXX this is not my name a wrong spelling and they listing me as XXXX XXXX also known as I go by XXXX XXXX that is my maiden name XXXX was my married name I am divorced and by court order. I can use my name XXXX Experian also has my old addresses listed I do not live at XXXX XXXX XXXX XXXX. 
New York XXXX nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX I already disputed my addresses online with Experian. Experian needs to do better customer service and help customers not hide behind a recording it is unfair and unjust ice. 
Customes need fairness and equity thank you. My name is XXXX XXXX and address is XXXX XXXX XXXX XXXX New York XXXX # XXXX and also XXXX has me listed on an inquiry and I have no credit card with them on my XXXX and XXXX account. 
Thank you for your assistance.
Consumer complaint received 2022-08-30
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. (PA)

The CRA furnished this account on my report after I let them know this account isnt mine. They send me statement back saying verified. According to the law an account can only be verified by the consumer and personal interviews. So in the extent who are the names that were interviewed to say thus account was verified. This is aggravated identity theft. I did not give any one written consent to furnish this account on my reports. This is causing damage to my reputation.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (FL)

I opened the account on XXXX. I contacted company on XXXX and was unable to track information on account, then spoke to manager who gave another number who could help with online accounts. I was given phone number XXXX to get more info on a weekday. I spoke to someone today who told me the account was closed due to negative balance. I've never withdrawn anything from the account, but they advertise XXXX XXXX  as No monthly maintenance charge and No monthly minimum balance requirement. I was never contacted on any changes, and all contact information is up to date.