davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC. (GA)

Got this notice from Ally on XX/XX/XXXX : Youve made 6 limited transactions from your XXXX XXXX  Savings Account this statement cycle. 
I immediately called Ally and told rep that all three withdrawals totaling over. {$21000.00} were fraudulent and that I did not authorize any withdrawals. Ally rep set up new account and said all the remaining balance was being transferred to it. The old account was still open on XX/XX/XXXX and I called Ally again and told them a {$10.00} deposit was made that day ( fishing ). Rep told me Ally was handling under their Dispute Number XXXX. Rep also said it could 10 days before a decision was made and that he could not determine if my personal info been stolen. Requested that all the fraudulent charges be immediately credited back to my account and advice whether or not my personal info was stolen. 

I called on XX/XX/XXXX. XXXX said it could take up to 60 days for them to finish their investigation. Said to refer to : Reference Number XXXX Only one fraudulent transaction for {$5700.00} has been credited back to my account. The other two fraudulent charges totaling {$15000.00} are shown as Prov Credit for Dispute. I should not have to wait to get my money back. ALLYS POOR SECURITY CAUSED ALL THIS!
Consumer complaint received 2019-01-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is regarding a business checking account and a merchant services account, The merchant services account was never terminated by the bank in XX/XX/XXXX. 

Citizens bank/ XXXX XXXX  has been debiting fees from my business account for seven years on a merchant services account ( XXXX XXXX ) that was supposed to be terminated in XX/XX/XXXX when we signed up with a new and lower cost merchant services option that was offered by Citizens bank named ( XXXX XXXX XXXX ). 
The local branch was to handle the termination of the old M.S.A when the new one was up and running. Apparently they did not perform this task. 

It was later discovered that during this time XXXX was either acquired or merged with the new titled organization named " XXXX XXXX ". It was the these " XXXX XXXX " debit line items that were not recognized on our business banking statements as charges from " XXXX link  '' and in fact was thought to be some type of third party charge for the new vendor " XXXX XXXX XXXX ". These fees started out very small and then increased and ranged to over $ XXXX/month for a total of {$5100.00} ( Seven years of admin fees on this unused account that was supposed to be terminated in XX/XX/XXXX ). 

When the problem was discovered : in XX/XX/XXXX I made a call to the new vendor " XXXX XXXX   XXXX. I wanted an explanation on what this fee was for and why was it so much? - it was at this time when it was discovered that this fee had nothing to do with the new vendor " XXXX XXXX XXXX. ". The XXXX customer support rep then informed me that the XXXX XXXX fees were from another Merchant services vendor - The old XXXX Link. 

I contacted my local Citizens bank in whom I have been with for over twenty years and they forwarded this matter to " The Chairman of the boards office ". This upper arm of Citizens were only willing to give a refund of the last month of fees and then months later threatened to shut my account down due to an " administrative error ". 
I am seeking the full reimbursement plus interest for seven years. ( {$5100.00} plus interest. ) At no time did Citizens or anyone inform us of this transition. Additionally we never received any XXXX XXXX statements, emails, yearly compliance forms or XXXX tax forms There was nothing ever sent to us that would have alerted that there was a problem and that the old XXXX  Link was now being called XXXX XXXX   and that they never terminated the account in XX/XX/XXXX as they promised. 

The other important issue that really concerns me is the greatly varied and sometimes high monthly fees on this unused merchant services account where no transactions have occurred in seven years.
Consumer complaint received 2022-05-18
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: Experian Information Solutions Inc. (IN)

I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I further attempted to reach out send more follow up letters I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX # XXXX is reporting a balance of {$420.00} that I should not have. I have paid off this debt and there should be no balance reporting to my credit report. This is inaccurate and effecting me negatively and I would like the account to be removed.
Consumer complaint received 2017-02-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under XXXX XXXX ( XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2019-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aspen National Financial, Inc. (TN)

XXXX at XXXX XXXX XXXX - time share my wife and I were divorced in XX/XX/XXXX the time share was awarded to her in the divorce she died XX/XX/XXXX and the debt reported to my credit on all 3 bureau
Consumer complaint received 2023-03-03
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. (TX)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-12
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. (OH)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2023-03-03
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. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Merchants Adjustment Service, Inc. (AL)

I received a call for merchant adjustment service around XXXX XXXX XX/XX/XXXX about a medical debt. I didn't consent to this debt collector to my personal. The lady that called me threatened me that if I didn't pay the debt, they were going to pursue legal action and offered me to pay only 20 %. Under 15 USC 1692 ( I ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Merchant adjustment service is also in violation of 18 USC 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on an alleged debt not owned. As I stated above, I don't consent to merchant adjustment service to having my personal medical information or permission to have my personal identifying information, which you obtained by aggravated identity theft in accordance with 18 USC 1028 ( a ). Cease and desist all illegal activities.
Consumer complaint received 2022-05-18
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, Law offices of XXXX XXXX, Law offices of XXXX account number XXXX, XXXX XXXX XXXX account number 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 2022-05-18
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. (VA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, Law offices of XXXX XXXX, Law offices of XXXX account number XXXX, XXXX XXXX XXXX account number 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 2022-05-06
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 instruction.
Consumer complaint received 2022-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One has been reporting 2 charged-off credit card accounts on my credit reports. I have contacted them at least 5 times in an attempt to fix the problem. Neither of these accounts was opened by me, and the debt showing as unpaid was not incurred by me. I do not have any idea who used my information to open these accounts. I am XXXX and I believe that Capital One is engaging in discriminatory and predatory behavior towards me. I can not begin to fathom how this company can continue to report these debts when I have notified them, in writing, that I have NO KNOWLEDGE of how these debts came to be! The only thing that I am sure of is that I did not open or use these 2 accounts.
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

Submitted online check payment to be paid to XXXX XXXX on XX/XX/2022 for {$470.00}. Check never made it to XXXX XXXX. Received a late payment and had to pay 3 % service charge to XXXX XXXX to pay over the phone with a credit card since my payment wasn't received from Truist bank. Paid XXXX XXXX {$490.00} on XX/XX/2022. Called Truist back to tell them I wanted to put a stop payment on a the check for {$470.00} on XX/XX/2022. I haven't received my money back from Truist. I have talked with Banking Center representatives at the XXXX XXXX XXXX in XXXX XXXX, GA. I have talked with Customer Service 4 times on the phone and had no resolution to date. I have spent over 5 hours speaking with people to get the {$470.00} back that they confirmed the check had not been cashed on their end. I was told a stop payment was going to be completed over 10 days ago and should receive a credit back and still hasn't happened. They are not telling me to go back into the banking center which is where I started a month ago. I don't know what else to do. Please help.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (CA)

Approximately XXXX months ago ( ~ beginning of XX/XX/2022 ) I have opened an online bank account with Schwab, mainly because they advertise no ATM fees in many countries- and I was planning a trip to XXXX. 
I have transferred soon after ~ XXXX XXXX from my XXXX account, and then used the bank card for one purchase in the US - no problem. 
On XXXX  XX/XX/XXXX I have used my card in XXXX, to get local currency. I have withdrawn 3 times XXXX, XXXX and XXXX euros. Later I have checked my account online, and the transactions were there, everything was ok. 
However, next time when trying to use my bank card I was unable, then tried to access my account online and could not, there was a message to call a Schwab number.

I did that and all I could find out is that some special team at Schwab is investigating my account for suspicious activity. This went on for almost a month, the entire duration of my trip- me calling the bank and getting no resolution. I was left in a foreign country without access to my own money, for an entire month, never got any clarification on what the problem is, even after calling 5 times - I was never called or emailed back, never told anything about who can help, what should I do. 
As of now XX/XX/XXXX there is ~ {$11000.00} in my account that I can not access for almost a month and was not given any clear explanation or timeline when to expect a resolution. The only information the persons answering could tell me was that the " special team '' believe that it wasn't I who opened the account. Well, it was me, if they would call me, I could tell them, but they did not- for a month already. Very disrespectful way to treat customers, no regards to what situation they put me in a foreign country without access to my money, for a suspicion... what happened to innocent till proven guilty?
Consumer complaint received 2021-11-12
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. (IN)

I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??
Consumer complaint received 2021-11-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I applied for a loan at the bank, and specified their fixed line of credit. I told the bank personel several times and fixed and the amount. She did attempt several times to increase the amount, but I was very specific that it be fixed. I asked what do I get to pay the construction person. She said she could see if I get checks. 

I received the first payment with a variable charge and fee to change to fix although I went in and requested a loan for fix. 
I have requested the fee for variable be removed and she has refused, and states if closed before 3years I will be charged a fee. 
I am writing to find how to fix so I can have fees removed, or loan cancelled. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2022-08-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (TX)

I opened an account according to a promotional offer. The offer stated that after {$500.00} of direct deposit, the account was due {$200.00} bonus. I deposited {$1000.00} and had recurring direct deposit set up with my work. The bank then closed my account to avoid paying the bonus.
Consumer complaint received 2022-12-16
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. (NY)

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. XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX xxxxxxxxxxxx XXXX, XXXX XXXX XXXX #. XXXX XXXX, XXXX XXXX XXXX # 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 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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (TX)

I requested a refund for payments I made to my federal student loans during the forbearance period that started in XX/XX/2020. I was told it would take up to 5 months to receive the refund when it is taking other servicers 4-5 weeks to refund borrowers.
Consumer complaint received 2019-07-28
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (GA)

XX/XX/2018 This institution sent a new debit card to a unknown person at a unknown address alouing them there on pin. While canceling my card. My account was cleaned out before I knew anything. {$900.00} just gone. I could not pay bills buy food I was just doun. I got a card in the mail about a change of address 2 days later. Thin sent me a letter telling me ther investigation conclude that I was some how involved and I would not be reimbursed any money
Consumer complaint received 2021-11-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (OH)

LTD ACQUISITION LLC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX, XXXX To : The office of Registered Agent for LTD ACQUISITION LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association passing XXXX XXXX XXXX private and personal information to other members, possibly resulting in identity thief. Also, relating information to personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulation Z, Regulations M and All applicable UCC Articles.

If you lack understanding of this paperwork, forward to your ATTORNEY. 

Govern yourself accordingly By : XXXX XXXX XXXX
Consumer complaint received 2019-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

I have been a member of the Sears card since XXXX where I made a purchase and paid my debt off. Recently sears closed the card because I wasn't using it, but on my credit report, they report a negative mark stating that I had a late payment. which is false because I have never had a late payment on any of my accounts.
Consumer complaint received 2023-04-09
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have reached out to experian and filed disputes about the two negatives on my credit report. I get no response and don't know why it is still showing on the credit report after 10+ years. Law states that it should automatically drop off credit report 7-10yrs. This debt started in XXXX well beyond the laws stated drop off period.