davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (TN)

On XX/XX/XXXXXX/XX/XXXXI opened both a Checking and Savings account online with Suntrust. In order to open the accounts I transferred XXXX dollars and XXXX   dollar from another bank. On XX/XX/XXXXXX/XX/XXXXI went to a local branch to add my wife to the account as well as apply for a credit card. We deposited XXXX   dollars into the checking account from an account my wife owns with North Carolina XXXX XXXX XXXX XXXX NC XXXX account while we were there. On XX/XX/XXXX I was informed that my account had been closed and that I would receive a letter detailing why. I called and was told suntrust holds the right to close any account for any reason. The letter that followed explained nothing more than that. I received a letter saying that they were holding all funds for investigation and if any could be returned they would be returned. Both the XXXX dollars and the XXXX dollar checks were returned but the XXXX dollars was still being held. I called again and they stated that I should call the issuer of the checks to stop payment. I called NC XXXX and they stated that the checks had cleared therefore they could not stop payment. I called suntrust back to tell them the NC XXXX  answer and was told that the money was not able to be released because they were holding it for possible reacquisition. I called NC XXXX to see if they could reacquisition the funds to speed up the process and they stated they could not. Suntrust is holding my money for no reason, it is unethical as I have never broken any laws or done anything wrong. I am no longer a client therefore in my book they have essentially stolen my money. We are a young family and I am XXXX   XXXX therefore funds are tight. Please help us.
Consumer complaint received 2019-07-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

I am filing a complaint against Lincoln Financial today because they are reporting inaccurate information on my credit report which is affecting my ability to qualify for a Conventional Mortgage. I have tried to resolve this issue by contacting Lincoln Financial directly but there has been no resolution. They are reporting a 30 day late payment on my credit report in XX/XX/XXXX which is inaccurate because this is not reflecting the payment that I sent thought XXXX XXXX on XX/XX/XXXX. I sent a payment in the amount of {$360.00} on XX/XX/XXXX which was delivered on XX/XX/XXXX. The payment not posting to my account is in result of a bank error and needs to be corrected immediately before further action is taken. I have attached a copy of my XXXX XXXX statement, proof of payment, and a copy of my credit report.
Consumer complaint received 2019-07-22
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. (IL)

I disputed an item off of my XXXX XXXX credit report. XXXX XXXX deleted the information for verification purposes I also reached out to Equifax but they are not responding with any verification of the account in dispute. The account is in the re-investigation process and I've sent letters regarding the dispute and still no resolution.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 2019-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (TX)

In XX/XX/2019, I opened a MoneyLion checking account under their Pave the Wage promotion, which was to pay a 17 % bonus ( up to {$590.00} ) on the first Direct Deposit to the account, as long as conditions were met - Direct Deposits had to be maintained to the account for 90 days after the initial at at least 90 % of the amount of the initial DD. I opted in to the promotion through the MoneyLion app but did not receive any confirmation of having opted in, so I called and confirmed that I was opted in. On XX/XX/XXXX, my first DD of {$2800.00} posted and for the 90 days following, I had regular DDs of at least {$2500.00}, meeting the terms of the promotion. According to the terms, I should have received a bonus of {$480.00} at the end of XX/XX/XXXX/beginning of XX/XX/XXXX - 90 days after my first DD + some processing time. I began contacting MoneyLion on XX/XX/XXXX and have been given the runaround since, with excuses and vague answers to my emails and phone calls. They say that funds are still processing, or that I never opted in and they have no record of my phone call checking that I was opted in. They also have no record of several other calls I made over the last few months regarding general checking account maintenance, so agents are clearly not logging all calls. In fact during my last call, I was told that there was no record of the call prior, which was rather long and involved the agent supposedly looking in-depth into my bonus situation. After that last call, the agent escalated the issue, but that was a week ago and I've heard nothing since, despite checking in via email after several days. 

I would appreciate help in having MoneyLion honor their commitments and not try to lie and lack of documentation their way out of treating customers as they promised.
Consumer complaint received 2019-07-22
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. (CA)

I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account 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/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX BANK  XXXX, XXXX XXXX STEOTY/TS, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (OH)

AFNI Inc is reporting a collection account as TYPE = OPENThis makes it appear as a open tradeline artificially dragging my credit score down. Collection agencies are only allowed to report as TYPE = COLLECTIONThis has been going on for years and I have disputed it several times. The data is accurate on my XXXX and XXXX reports. This complaint is against AFNI and XXXX 

Today XXXX employee XXXX employee # XXXX told me that the collection agency has the option to report this and even if inaccurate they can not do anything about it, and would not file a dispute.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (NC)

This is my SECOND attempt at resolving this claim. I was last referred to fill out a Identity Theft Report. This report is NOT VALID as this is not Identity Theft. The account is NOT UNDER MY SOCIAL or birthdate. This is NOT IDENTITY THEFT. The company doesn't have my social OR BIRTHDATE. NATIONAL CREDIT SYSTEMS INC,  showed up on my credit report with an original creditor of XXXX XXXX  in XX/XX/XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manageXXXX at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
Consumer complaint received 2022-12-02
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX Balance : {$7000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$190.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXXXXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

Account Resolution Service has reported fraudulenty to credit reporting agencies that I owe a debt for {$880.00} for Emergency services in New Jersey. I never received any written communication or phone calls from this company yet it was reported on my report on XX/XX/XXXX. 

I have not lived in New Jersey since XXXX, I have been a resident of the State of Georgia and employed in Georgia. 

I am demanding that this be removed from all credit reporting agencies immediately.
Consumer complaint received 2023-04-02
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 got a copy of my credit report and noticed some accounts and inquiries that I did not authorize. I contacted the companys and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as I am trying to start a new job that these issues are making more difficult than it should be.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I met with a financial counselor who was able to look at my credit report. I noticed a account which I did not recognize. My report was showing a CareCredit credit card under my name with an unpaid charged off balance of {$1500.00}. Prior to my counselor explaining to me I had no idea what CareCredit was. With the help of my financial counselor we contacted Synchrony Bank which CareCredit is under to report this fraudulent account on XX/XX/XXXX. I followed up today XX/XX/XXXX and they informed us that that my fraud claim had been denied and the account will remain on my credit report. The reason they gave me for it not being removed was that it was opened years ago, XX/XX/XXXX, payments were being made in the beginning and my address matching. This does not prove that the account belonged to me. I don't know who applied for this account but it was not me. The statute of limitations to collect on this account has passed but I want this account removed from my credit report as it does not belong to me and it is negatively effecting my credit.
Consumer complaint received 2022-12-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (VA)

So we had power home solar coming to our house selling us a solar system for our home that guaranteed that we would have 100 % solar. By doing this we were financed through good leap XXXX. I did not fill out an application. Somehow they did it through their tablets. I didn't sign an application for that amount of money. The only thing I got from Good leap was a good leap welcome package that described how much we would pay each month for the next. Some ridiculous monthly and yearly plan so power him solar when bankrupt and all of us who are with the solar panels and products are stuck paying these loans for a product that doesn't work. So most of us have stopped paying these loans because we're paying alone. Plus we're paying our electric bill and we didn't sign up for that. We signed up for a system that supposedly worked and what we were told and what it does is two different things. I'm sure you could look into it and you'll see what's going on with the power home solar the bankruptcy they went through and XX/XX/XXXX but anyway so I called good leap and I told them that I can't afford to pay a loan and my electric bill at the same time I didn't sign up for that. I signed up for 100 % solar. That's what I was told through the company. Well they paid power home solar in full before my system was even installed or was even checked after it was installed to work. So a lot of us are stuck with paying two bills, an electric bill, and a bill through their financial institution. It's not just goodly there's other institutions that are in with this XXXX XXXX XXXX XXXX So of course good leap wants us to pay the bill because we signed it which I understand. And I don't understand how we can pay this bill and paying an electric bill, especially now with everything that's going on in our country. With the prices that have doubled for electric, gas, oil, etc. I don't have to tell you what it's about. That's my complaint. Thank you for this time this loan was initially taken out for {$85000.00} and after it's paid is up to like XXXX
Consumer complaint received 2024-03-09
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)

15 U.S. Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 1. XXXX XXXXXXXX XXXX Account number : XXXX 2. XXXX Account Number : XXXX XXXX Account number : XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports.

Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/ charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

To Whom It XXXX Concern : Re : Wells Fargo refund checks for Mortgage rate lock extension fees refund. 
My XXXX and I received a letter from Wells Fargo stating that refund checks were coming to us on XX/XX/2020. The checks were for {$3200.00} and another for {$250.00}. The checks came but have been impossible to cash because the checks were made out to both my XXXX and I ; we no longer hold bank accounts in both names. We both have tried to contact Wells Fargo and asked the checks be reissued differently to no avail for the last 2 years. We are either told " too bad '' or the latest " it will take another year to investigate '' while there is nothing to investigate. They owe us this money and have been met with stumbling block everywhere we turned in that company, as they have no intention to refund us that money. 
I believe the refunds had to do with a lawsuit mortgage redress were Wells Fargo was obligated by law to refund customers who were overcharged. 
Thank You
Consumer complaint received 2021-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I reviewed a current copy of my credit report and show inaccuarte accounts listed to my report. I also filed an FTC report with Transunion and information was deleted and/or blocked and I show that creditors information was reinserted back to my report inaccuratly and or direct viloation for 15 USC 1681 ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Due to non-compliance from creditors and non-reciept of written notice which is beyond 5 business due to the reinsertion. I request to have all account listed attahced to FTC report deleted or blocked permanetly.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (VA)

My wife has XXXX XXXX XXXX for 12 years she has underwent 10 surgeries and has been working with 8 doctors specializing in her XXXX. I contacted The Swiss Colony to  include all their affiliates ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX ) on XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019. Trying to work a hardship repayment program due to the extraordinary circumstances with medical bills. I have been a customer with The Swiss Colony and all their affiliates for 30 years and they have always been flexible with my monthly payments up to 90 days of payments by accepting payments from me this way has always been agreed and became the standard. Never past due of 120 day until the medical bills. Understanding this is a catalogue store my concerns that never received and itemized statement each month so never sure what I truly owed but paid the required amount on each. When I requested a hardship payment plan they told me only as long as I can provide a letter from my wife 's doctor with medical proof. My wife has never been a joint account holder. My wife refused to provide any medical proof since she was not on any of the above accounts and was very upset due to her privacy. HIPPA ( Health Insurance Portability and Accountability Act is a law that protects medical information from being shared with others. Now my accounts are with XXXX XXXX XXXX XXXX XXXX, XXXX requesting {$4.00}, XXXX no other itemized listing. I will be sending them a Validation Letter of Debt IAW Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is not a good practice to request medical proof for any family member to assist in a hardship payment program. One would agree that a loyal customer for 30 years should be taken by his word when there is a hardship.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

Auto enrolling people into checking accounts and charging them {$6.00} a month for things not everyone wants and if you want it free you have to meet their requirements of {$1500.00}. A direct deposit of {$500.00} AND at least 20 transactions a month made with your account.
Consumer complaint received 2019-07-22
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: CITIBANK, N.A. (PA)

I have an inquiry on my credit file that I did NOT authorize. I tried disputing the inquiry with XXXX multiple times and they refuse to conduct the investigation against my rights. I did not give any employed by this company to many an inquiry and view my credit report. This is a violation of FCRA 1681b ( c ) and is a serious breach of my privacy rights! 


CITI CARDS CBNA