davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute with Transunion requesting that they verify the accuracy of some creditors and collections listed on my credit report. They sent me a letter saying that the creditors and collections had been verified. On XX/XX/2019 Transunion received my certified letter asking them to provide me with the method used to verify the collections and creditors listed on my credit report. By law they have 15 days to provide in this information or delete the unverified creditors and collections that had not been validated. It is now past the 15 days and I have not received anything from Transunion and the creditors and collections that are being disputed is still showing on my credit report.
Consumer complaint received 2018-09-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC. (MD)

OnXX/XX/2018, I responded to an online offer ( Q2 XX/XX/2018XX/XX/XXXX Small Business Checking Offer ) from SunTrust Bank to open a Simple Business Checking Account. The terms of the offer were that if I made one or more deposits totaling {$1500.00} into the account within 30 days of opening the account, I would receive a reward of {$200.00} within 8 weeks of meeting the requirements. I deposited {$1000.00} on opening the account and an additional {$640.00} on XX/XX/XXXX. Therefore, my account should have been credited with the reward byXX/XX/XXXX. I have not received any reward. I made several inquiries at a branch and on the phone. On XX/XX/XXXX, for example, I was told on the phone that I met all the requirements of the offer and should receive the bonus in XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX   on the phone. She also told me that I met all the requirements. However, she then discovered that there was a note that someone from SunTrust tried to call me on XX/XX/XXXX to discuss a missing promo code on my online application. She said that the note said that they left a voice mail, but I could not find any voice mails from SunTrust. I explained that I definitely remember seeing the promo code on the application. She took some information from me and told me she would try to resolve the problem. Today, I called SunTrust again and spoke to Mr. XXXX, who repeated that someone called me on XX/XX/XXXX but said the person didnt leave a message ( contradicting XXXX ). He told me I was unqualified for the reward because of the missing promo code, and that SunTrust would not pay it.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I asked in writing from Portfolio Recovery to provide proof os Substation back in XX/XX/XXXX. I waited for a response, both accounts were deleted from my credit report. I received a letter from them asking for substation again and I refused to ask again. A few weeks later they re-inserted onto my credit report. I did not receive notice that they were going to re-insert the debt back onto my credit report.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Acct # : XXXX This is a closed account. 
XXXX XXXX closed this account on their own almost 6 months ago yet they are still reporting a payment status every month for the last 5 months. Before the account was closed it had a positive payment history. How can a closed account still report a payment status? This is inaccurate
Consumer complaint received 2023-02-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (MD)

We were on automatic payments from Santander for our auto loan. Without our knowledge, the company stopped the automatic payment for the last payment that was due. They did not send us a notice for this, nor did they send us a bill and never sent us a collection notice. We only found out when we tried applying for a mortgage and this came up in our credit. We called the company and apparently they only tried calling us which did not seem legitimate as we receive hundreds of spam/scam calls. The company is being very difficult about removing this from my credit history even though it is completely not my fault.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activity. However, there remain items that require removal. This marks my second complaint regarding being a victim of fraudulent activity, and I dispute certain inaccurate information, accounts, and inquiries in my file stemming from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly REMOVE any items in my credit file resulting from alleged fraudulent activity. Please refer to my new FTC report # XXXX for the specified items per bureau below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

I recently opened a new Wells Fargo checking account. I decided to do this because the new checking account bonus of {$250.00} was very attractive. I have completed all requirements to receive the bonus deposited to my account. I did call and received confirmation that was account would be credited to bonus. Sadly, I am still waiting! 

I was also told for all the inconveniences, the phone banker stated they would reverse all of the {$35.00} fees. Truthfully I would not been charged over draft fees of Wells Fargo had credited my account as promised
Consumer complaint received 2022-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Accelerated Servicing Group LLC (MS)

The company, ASG, has called me many times from a restricted number, leaving me messages without a contact number. Then, they started to call my elderly parents leaving harassing phone messages with them. The company is now calling from different numbers from Alabama and Mississippi, but will not talk to me, only referring me to their online chat room, or will have someone text me. They will not answer me when I ask them who sold my information to them and that they may only correspond with me via US postal mail. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (TN)

On XX/XX/2021 I was on the phone with a XXXX representative trying to change a flight to XXXX. During that conversation the representative miscommunicated and mistakenly booked a ticket using my miles and purchased additional miles to make a transaction at XXXX dollars without telling me that it was only for one leg of the flight and I would have to purchase additional legs at a much higher cost than she communicated. I canceled that transaction and make the change myself online. She assured me that I would be refunded as the purchase was cancelled within minutes because she mistakenly purchased the miles without my consent. However, I have not received the refund yet. In addition, I did not receive an notification of the miles purchased, nor do I see any record of the miles on my account.
Consumer complaint received 2022-07-08
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: Security Credit Services, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

My decades-long bank, Suntrust, merged with Truist and did their migration over the XXXX weekend. During that weekend, my debit card stopped working. Later I tried accessing my account online and I could only see the credit card, not the Checking, Savings, and MoneyMarket accounts. 
I contacted them initially on XX/XX/22, and after waiting on the phone for several hours, was told to go into a branch because my account was titled in my trust, and needed to be verified ( it has been in a trust for decades ). I did that, and the branch rep told me that I have to open new accounts till they get the problem with trust accounts fixed. Seems they needed to title them in the name of the grantor instead of trustee ( not sure how they didnt figure out to do this in the months prior, since they began the process more than a year before. 
Somehow, after I opened the new account, the rep turned off my online access to the old account, which I use for bill paying and transfers to other accounts. 
I didnt realize this till I went back on the phone for an hour and a half, and was told to go in to a branch AGAIN because the first person didnt actually validate my trust account. So the second person submitted a form to do that, I believe XX/XX/22. Yet I still cant access my account.  I called again on XX/XX/22 and was told by ANOTHER person that it would be fixed within 24 hours. Still not fixed. 

This is a bloody mess. Please help me and all the others who are having this issue.
Consumer complaint received 2018-10-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.
Consumer complaint received 2018-09-12
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: On-Site Manager, Inc. (CA)

On Site Manager / XXXX XXXX XXXX put in a hard inquiry on my credit report without authorization on XX/XX/2018. These guys were my apartment provider FOUR YEARS AGO. I never made any request for any additional work, they simply re-ran my credit for no reason, resulting in my score being less than what it should be when I am trying to buy a new car and refinance my mortgage. I have disputed this with XXXX, but they came back saying On Site Manager / XXXX stood behind their inquiry and refused to remove it. I am requesting the CFPB to come in and find out why they are running my credit with no authorization for no reason.
Consumer complaint received 2022-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (RI)

XXXX XXXX EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX has been sending me collections notices in the amount of {$220.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (FL)

I purchased a home in XX/XX/2017 and the inspection indicated A/C should be maintained. I called XXXX  XXXX XXXX and as soon as he opened unit, he broke part and sold me {$1500.00} part to keep running. In the meantime - and before he left, he had a salesman here who mislead me in unit I was purchasing and did not offer financing options. He placed financing with XXXX and they are a nightmare.this is an I was not advised this is an installment loan, I thought I was financing an air conditioner. Since that deception, I lost my job and was a natural disaster victim. The promotional period ran out and XXXX REFUSES to allow a hardship program or reduce interest rate.XXXX XXXX refused to honor their warranty, forcing me to pay for maintainance and XXXX gives no consideration to their vendors action.
Consumer complaint received 2023-06-13
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. (NM)

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. 

The letters are stated with items and issues. 

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 2022-07-08
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  Account # XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I called Capital One about credit cards that they put on a restricted status late last year in XX/XX/XXXX due to them being concerned with authorized users that i had put onto a couple of my cards to help some relocated church members to reestablish their credit when they were displaced by storms. 
We were told that we had to send in documents which we did and that they did not take as proof of who we were. 
i am now trying to close these accounts and this was refused to me by an employee named XXXX employee ID XXXX. 
I also found out that i had a balance of {$3.00} owed on one of my cards that she said was accrued interest after we had paid to a XXXX  balance? 
I also have been charged the following card annual fees on three cards that i have been unable to use and which i should not have been charged. 
Card ending in XXXX {$39.00} XX/XX/XXXX XXXX {$39.00} XX/XX/XXXX XXXX {$59.00} XX/XX/XXXX. These should be returned to me along with any other charges i was charged for an account that am not able to use. We have never been late on a payment to Capital One or any other credit card company in 20+ years so this is not fair and i consider it highly abusive practice toward my wife and I by a big bank. I also think that they have possibly done this due to me being of XXXX heritage.
Consumer complaint received 2018-12-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I checked my Experian credit report and there are inaccuracies. I tried disputing them but they said because they " investigated '' them, they were not required to do any further investigation. These are incorrect.