davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
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. (NV)

according to the fair credit reporting act All items published on a consumer credit report have to be 100 % factual. A previous dispute about this account XXXX XXXX acct # XXXX revealed that a proper and thorough investigation was completed. However after reviewing the info on my reports there are inaccuracies which are grounds for removal of this account from my report. Please see inaccuracies below. 

- Date opened has two different dates - date active has two different dates
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ASSOCIATED BANC-CORP (WI)

They have issued fees to my checking account in regards to atm transactions and debit card transactions which is against the Overdraft Protection Act of XXXX. I have reached out to them to have them reverse the fees and they have denied.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am formally filling a complaint regarding a significant discrepancy in the balance of my account, XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} with XXXX XXXX XXXX. I have attached relevant documents to support my claim and provide further details. On XX/XX/2024, I noticed that the current balance displayed on my account statement does not align with my records and calculations. After conducting a thorough review of my transactions and payments, I have identified several discrepancies that have led to an inaccurate account balance.
Consumer complaint received 2022-05-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Friday XX/XX/XXXX I received a text message from what appeared to be Chase bank asking if I had attempted to send someone money through XXXX. I said no and within seconds received a call immediately from someone claiming to be a Chase employee telling me someone was trying to take money out of my account and that I needed to send the money back to myself to stop the fraud. I told him I didnt feel comfortable doing that and he told me to check the phone number on the back of my debit card to confirm that was the number he was calling from and it in fact was Chase banks customer service number. I followed their instructions and just like that I lost all of the money from my checking account and from my XXXX XXXX XXXX sons  account. They seemed to know I had XXXX checking accounts linked to XXXX. After the transaction was done the line disconnected and I knew I was scammed. I immediately called Chase for help. Chase said because I authorized it by following the instructions they couldnt help me. I explained that the person was calling from Chase and pretended to be a Chase employee.
Consumer complaint received 2022-03-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (VA)

I was a co-signer for my daughter 's student loan. I paid off the entire amount on XX/XX/2022 because my daughter was having great difficulty paying off her loan. I was due to receive a pay-off letter 30 days after it was paid, but as of this date, I have not received the letter. I called American Education Services Customer Service Department on the first week of XXXX and was told that the letter was sent. However, I never received the pay-off letter. I called again after one week and they again stated they sent the letter and will send another one. Again, I never received the letter. I called again ( 3rd time ) last week and they again claimed it was sent. As of the day of this complaint, I have not received my pay-off letter despite that all my contact information is correct. I stated that since I paid-off the loan in its entirety, I am entitled to a pay-off letter.
Consumer complaint received 2017-08-22
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 called XXXX today around XXXX and spoke to a gentleman. I advised that I was a victim of Transunions Inquiriy Issue and I needed specific inquiries removed. The inquiries I advised need to be moved are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto 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 of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (TX)

Delete late payments from XXXX XXXX XXXX XX/XX/XXXX through XX/XX/XXXX. Your company is in clear violation of the law under 15 USC 1681b - Permissible purpose of consumer reports the law Clearly states. b ) in General subjects 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 whom it relates. Did I give you written instructions on my credit report? A ) Subject to section 1681s-3 of this title and ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. Failure to respond satisfactorily with deletion of the above referenced account and send out a deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actins being taken against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair debt collection practices act 15 USC1692g violations 4. Fair reporting act 15USC 1681 violations for willful noncompliance -616 Civil liability for willful noncompliance 15USC 1681n Best Regards, XXXX XXXX
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (LA)

I am contacting you to request the prompt deletion and removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and details should not be reported as they violate both the FDCPA and FCRA regulations. I insist on the immediate removal of these items to rectify this breach of multiple laws. Please take the necessary steps to remove these accounts and information from my consumer report without delay.
Consumer complaint received 2017-08-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC. (CA)

Complaint following complaint # XXXX I have attempted numerous calls X/XX/2017, X/XX/2017 left numerous messages to XXXX XXXX XXXX rep at Collections USA and left messages on main line for a call back pertaining my case with XXXX XXXX XXXX in the amount of {$4900.00} for early termination due to domestic violence. State law ( XXXX. Rev. Stat. XXXX ) provides early termination rights for tenants who are victims of domestic violence and ( XXXX. Rev. Stat. AnnXXXX XXXX XXXX XXXX ) for providing access to my sole leased apartment to my ex husband and witnessing him entering my apartment through a balcony ( email sent to XXXX and XXXX subject line security ) and not calling the police. I was granted relocation to XXXX as soon as my divorce was finalized for safety ( in decree documents ). Collections USA Inc. has been unresponsive to my efforts to clear this debt and remove it from the credit bureau. I have the following mentioned documents and they wo n't answer my calls to provide them with requested documents.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX, These are XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 2022-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

I sold a product online. The buyer deposited {$5300.00}, cash, into my business account. My business name is XXXX XXXX XXXX XXXX. When TD Bank confirmed the cash was in my account, I released the product to the buyer. Some days later, my account was frozen. I then learned that TD had reversed the deposit and taken the {$5300.00} out of my account. 

I never got a single correspondence from TD, not XXXX. No call, no email, no letter, nothing. I reached out to TD and they refused to give me any information. They said the deposit was " suspicious '' and they were " investigating ''. A few weeks later, I got a call from my local branch manager, who ( gleefully ) told me I was a scammer and they were keeping my {$5300.00}. They refused to give any details, any reason for keeping my money, no results of any investigation, nothing at all. I made several calls to TD corporate and could not get any information or resolution. 

The theft occurred in Union, XXXX, so I filed a report with the XXXX XXXX police department. TD stonewalled the police and would not give any information. They got XXXX and discovered there was never any investigation and they would not tell the detective why they took my money. 

After many months and XXXX the detective was able to determine that another person was involved in the scam. This other person was given a bad check to deposit and was told to deposit the {$5300.00} into my account, after which the bad check bounced. TD chose to give this person their {$5300.00} back, making me the victim of the scam. If this other person got into some money-making scam, why did they make me the victim? 

How can TD Bank take {$5300.00} cash out of my account and never contact me, never explain anything to me or even take my calls? 
It appears to me that the managers of the XXXX XXXX XXXX  XXXX are in on the scam and TD bank is protecting them.
Consumer complaint received 2022-03-24
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. (GA)

My name is XXXX XXXX. XXXX ... .I have been a victim of Identity Theft and there are fraudulent accounts being reported on my credit reports. This has been an ongoing problem and I have taken all of the proper steps to remove these fraudulent accounts and protect my identity yet I am getting no response or help from either of the XXXX Credit bureaus ... .XXXX XXXX EQUIFAX XXXX XXXX XXXX I have proven that these accounts are fraudulent... .sent in police reports and Identity Theft affidavits... .the privacy laws set forth by the XXXX  to protect me the consumer are clear but as you already know... Credit is big business and the Credit bureaus doesn't have the consumer in their best interest per your report the Bureaus break the law blatantly on a regular basis please review the attached documents.
Consumer complaint received 2022-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION (FL)

I was unable to log in to the website and the stores were closed The customer service lines were down. Suntrust was changing to truist and there was a glitch in their system. I was unable to manage my account and when a {$1.00} recurring fee processed into my {$0.00} balance I incurred fees. About XXXX fees rapidly rapidly got charged on to my account and I tried to resolve the issue online and on the phone for weeks before going into the local branch. The manager told me that they would close my account and I wouldn't have to pay that fee amount. A month later I got a bill from collections. I sent them the document from suntrust that showed my account was closed. I also called them and yelled at them for not answering. I told them to look around and protect any other low $ accounts that were abused in this manner.
Consumer complaint received 2017-08-22
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)

According to XXXX University, I received an over payment of a refund on one of my XX/XX/XXXX Student loans in the amount of XXXX, however this amount was a charge for hard-copy books from the Spring XX/XX/XXXX semester, which was incorrectly charged to my account because I was an XXXX XXXX, I did not receive hard-copy books. I did contact the book vendor, XXXX at XXXX XXXX and she had no record of my receiving said books. when reviewing my XXXX acct I saw XXXX has carried this charge since XX/XX/XXXX adding it as a collection account on my credit report in XX/XX/XXXX. According to the Federal Student Aide Information Representative that I spoke with XX/XX/XXXX, I do not owe XXXX any monies, I was not overpaid on any refunds and XXXX was paid in full and my XXXX account was closed. I recently reviewed my credit report I sent in adispute and in the results if that dispute, I saw a collection acct had been added to my credit report by XXXX for this amount and this is how I found out they are saying I owe them XXXX.
Consumer complaint received 2015-11-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XXXX 2015, I opened a bank of america checking and savings account after finding a promotion online that offered {$500.00} for customers a ) opening a checking account and savings account with the bank b ) generating deposits of {$20000.00} and c ) setting up direct deposit within the first 2 months. The promotion promised a {$500.00} credit to be received to the checking account within the first 90 days. 

After opening the account, I called within the first 30 days and was told the credit would be received shortly. After 60 days, I was again assured that the credit would be received, but within 90 days. After 90 days, when I called I was finally told that I was not a targeted customer and would not be receiving this credit, however the complaint would be escalated. After the complaint was escalated, I was told I would hear back from Bank of America. After not hearing back, I called again and was told they would re-escalate the complaint, but promised I would hear back within 2 weeks, but could expect a response in 2 business days. Another 3 weeks went past and I did not hear back from Bank of America. I called them today XXXX/XXXX/2015 and was told that the escalated complaint had been rejected but was not provided with a rationale for why I was not contacted. 

Not only did the bank refuse to honor their promotion, they were deceitful twice to me when I waited the promised credit. During the first 90 day wait period, I was assured twice that I would be receiving the credit. It was not until the 90-day lapse period ended that I was informed I would not be receiving the promised credit. After the re-escalation process, I was promised to be contacted with the results, I was not and I was given no explanation for why I was never contacted - it appeared they were hoping I would simply forget about the issue. Their rationale for not honoring the credit was that I was not a targeted customer, which I do not recall from the promotion ( I read all fine print ). I have attached a sample of the promotion I found online, ( this includes the details of the promotion I used, I am not 100 % sure this is the direct link I applied for my account though ), there is no mention of a targeted customer. Keep in mind that the promotion was visible to any person by a simple internet search - so by definition, every person that ran a search was targeted. Again, this rationale was also not provided to me until 90 days after I had set up an account with above the minimum required {$20000.00} and also set up my direct deposit service. I am in disbelief and anger that an institution could be so blatantly deceitful in their banking processes.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (GA)

I ordered a pet car seat from XXXX ( online ) order, in XXXX. I have never received the product. The total of my order was deducted from my checking account in the amount of {$45.00}. I filed a claim with Truist and their Fraud department. They denied my claim and said that I authorized the transaction, which I did, but never received the item. I asked them to review again, and it was denied again. I went in to a Truist branch today and was told that the fraud dept. had notes that said I received the product and wasn't satisfied- which is totally false. I never received it and am out {$45.00}. I was told that there is nothing they can do for me. I have NEVER had this trouble with Suntrust or experienced this with any bank I have done business with. Truist is sub par and I am closing my accounts and changing banks. I have never in my life been treated this horribly and felt so helpless with my bank, of all business, and will never do business with Truist again. I have over $ XXXX in my savings acct and can't understand why, I'm not good for {$45.00}. This is unbelievable and I certainly thought my money was insured with this bank. I have absolutely nothing positive to say about Truist Bank. They have lost a customer that has been with them almost the entire time that I have lived in XXXX, approximately XXXX  years.
Consumer complaint received 2022-05-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma (CA)

Credit Karma alerted me to apply for a highly probable loan to refinance my car ( to help my credit, of course ). They put me in touch with XXXX ( an affiliated company? ) and almost immediately told me I qualified. Then after confirming my information ( identity, car ) they called me to say that I am qualified for the loan then rattled off the loan, interest rate, monthly payment. The monthly payment was HIGHER and so I said, no. I don't want the loan and the customer service person raised his voice at me and said " I MUST TELL YOU ABOUT ALL THE PRODUCTS YOU HAVE BEEN APPROVED FOR ... '' and went on to tell me that I was approved for their monthly oil change service, which was conveniently added to the LOAN and though he wanted to tell me MORE I said no. 

This is FRAUD. They were using my personal information to entice me to apply for something I DID NOT WANT NOR ASK FOR. This is fraud. 

Both CreditKarma and XXXX should be punished and all those they defrauded should be compensated. They colluded to commit fraud upon me.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

MY ONLY NAME AND CORRECT ADDRESS IS BELOW : DELETE ALL OTHER NAMES AND ADDRESSES SO I WON'T BE A VICTIM OF IDENTITY THIEF Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
Consumer complaint received 2018-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently registered point back app called XXXX. I can get point if I spend with linked credit card. Since Capital One is blocking customers ' access to their own data through third party ( XXXX ), I can not get point at all. I want to let Capital One know that I wish to have this access granted.
Consumer complaint received 2022-09-28
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.