davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (FL)

Barclays credit card ending XXXX I took the offer of the 0 % interest which Barclays Credit card offered me last year XXXX and the balance transfer promotion with 0 % interest ended on XX/XX/XXXX. 
Few months later I took another balance transfer of 2.99 % which ends on XX/XX/XXXX. 

2 months before the 0 % promotion ends on XX/XX/XXXX, I paid the total balance using my personal check # XXXX for the amount of {$2900.00} and I wrote in the check that this check # XXXX pays the promotional balance which ends on XX/XX/XXXX and I included in addition another letter to support my specific payment and request. 
This check # XXXX ( proof of payment ) was sent via regular mail and was not deducted as an automatic debit a using my checking account. 

For additional information I sent to Barclays via email the proof of my payment/ ( physical check ) + my last XXXX recent statements from XXXX, XXXX, XXXX. 

The reality is that Barclays credit card intentionally ignored the reference of the check for the amount of {$2900.00} and made a credit to the other promotional 2.99 % balance transfer which will be ends on XX/XX/XXXX. 
Barclays ccard charged me this month of XXXX XXXX the interests generated of {$70.00} which is showing that I did not paid the 0 % balance transfer which ended on XX/XX/XXXX and the amount of {$2900.00} was paid the other balance transfer which ends in XX/XX/XXXX. This charge for the amount of {$70.00} per month is the interest generated for to have a balance of {$2900.00} with a 29.99 % yearly interest because the balance transfer ended on XX/XX/XXXX affecting me economically.I plead for justice, because this action is unethical affecting consumers budgets and only benefit Barclays ccard. 
Please assist ASAP with this complaint.
Consumer complaint received 2019-10-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: CURO Intermediate Holdings (AZ)

On XX/XX/2019 I requested a loan from SpeedyCash Rapid Cash, LLC in the amount of {$680.00}. 

There was either the option to either pick up payment in store or the funds would be debited to the card that was on file, since I didnt make it to the store by the time given I called the ( XXXX ) number attached on the email to confirm the funds being transferred into my account, in which the rep did relay I will see the payment via direct deposit by the next morning. 

XX/XX/2019 I wake up at XXXX check my account and to my surprise I didnt see a deposit transaction, I thought that it maybe to early and took the representatives word I had spoken to the day before to heart and went about my business. 

At XXXX that same day I checked my account and still no payment, I called the number provided and spoke with a rep and I was told to wait three days before calling back in because in order for the funds to bounce back ( from wherever they were since payment wasnt recieved by me ) and then I could request the payment again. 

In all I have been going back and fourth with this company providing any proof I can to verify I didnt receive payment for a loan I am to this day being held accountable for. 

I have e-mails on my end making numerous attempts to verify any information and at the end of the day for the company to tell me Im responsible for the loan ( even though I didnt receive payment ) because they cant trace where the payment went so their acting as if I did receive funds. 

To me, its absurd that this company is perfectly fine with putting someone in a further financial strain and to be okay with {$680.00} dollars just disappearing ... Nobody knows where it went but I have to pay for it.. 




On the banking end, I online bank with XXXX. Ive also contacted this company in order to figure out where the funds went because when a ACH is initiated the my name and social security number is encrypted in order to verify the correct personal has received payment. 

I have gotten NO WHERE with this company regarding the matter and none of the representatives speak English well enough nor located within the states to understand the currency platform. 

Im incredibly frustrated and really just want this resolved in a fair manner.
Consumer complaint received 2016-02-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (FL)

This happens every year. Equifax , under guise of " verifying '' my identity, asks obscure questions about my report and then alleges that I answered one of them incorrectly. The ruse changes from year to year ; I believe this year they were asking about a store credit card that may have been issued by some financial institution with a name different from the store 's own, or maybe I have never had such a card. There are literally dozens of cards over time in my report, and a XXXX card may be named XXXX Bank card or whatever, and the report, when I finally see it, may mention one or the other or maybe a third name for the credit provider. I do not get another chance to guess at another question, and one missed answer means denial of the online report. The alternative : write by snail mail, and add a ridiculous number of documents proving that I am me. 
I believe that Equifax does this to keep people from getting their free credit reports.
Consumer complaint received 2022-08-28
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. (NJ)

i am natural persone, i am a living human being, i have rights under 15usc 1681. 

XXXX is govern by 15 usc 1681. and they violated my rights numerouse of time. 
i demand the accounts listied below be remove because according to 15 usc 1681 ; I have the right to privacy and i did not gave XXXX written permission to furnish these accounts. 


XXXX .... XXXX name ... .. XXXX XXXX XXXX XXXX ... ... XXXX name ... ..XXXX XXXX XXXX  XXXX XXXX ... . thank you
Consumer complaint received 2021-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I deposited my XXXX XXXX Stimulus check, and upon the bank 's Disclosure and Agreement, even for the new accounts, the check MUST be available on the next business day that's also what the bank teller told me. However, they put an extended hold for which I had to waste 3 hours of my work morning to find out what's going on. When I reach the representative, he said it's your first deposit so that's why there is a 5 business day hold on the Government Check. I told him to give me a temporary credit and while I was finishing my sentence he hangs up on me. I tried to chat with several representatives, no one helped me. They are violating their own disclosers and my rights and there is no one to contact with. 
I also made cfpb complaint # XXXX and received emails from the bank saying - We are still investigated your complaint.

However, after wasting 2-3 months, all I received was thair Deposit account agreement and that they have the right to close my account. The company 's response is nonrelevent and does NOT address to my questions and concerns.
Besides this problem, bank says they are planing to close my accunt. It's been over 3 months and I still haven't receive my account closing balance. They are holding my money and are not sending me a check while claiming the account is being closed. My rights are seriously violated. I wasted 3 months waiting for thair answer and for my money in the mail and they failed to do both. Their account agreements are NOT answering my concerns. If company continue to ignore I will move to Federal Court.
Consumer complaint received 2015-07-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (NJ)

There are XXXX Inquiries on my Equifax Credit File ( XXXX, XXXX, XXXX, XXXX and XXXX ) that I did not apply for and when I contacted them about it they ignored me. This has been going on since late XXXX. 
Also they were suppose to delete a fraudulent collection from XXXX and XXXX that they refuse to delete as well as provide me with any information on. I contacted the creditors for these XXXX inquiries as well as XXXX and XXXX and received no response. It has been more than XXXX days on both the inquiry removal request and the false collection removal request, I sent Equifax the proof of both disputes and nothing was done. I will be contacting the GA Attorney General and filing a lawsuit against Equifax if this matter is resolved immediately!!!
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have mailed Transunion a validation of debt letter and have not received a proper response of pursuant to 15 USC 1692g. I also sent Transunion a letter stating pursuant to 15 USC 1681b that I have given no such consent for XXXX to host the alledged debt on my Credit report.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

We deposited a check on XX/XX/2022 for {$12000.00} into our family limited liability company account at Sun Trust branch in XXXX XXXX XXXX, FL. On XX/XX/2022, Sun Trust advised us that the issuer of the check was likely not to pay although they are a well established jewelry company in XXXX and placed a hold on our account for 10 days. 

Thereafter, a personal creditor filed a personal judgment against our corporate account and Sun Trust placed a hold on Company account. 

Our lawyer has spent hours trying to reach the Legal Department of Sun Trust to explain that the hold is illegal and improper. The branch manager refused to give us any way to contact the Legal Department of Sun Trust.

This is simply outrageous way for a bank to conduct its affairs. 

Sun Trust should be sanctioned and made to divulge to consumers such as myself the availability of the Legal Department.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

I have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit immediately!
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2019-10-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

1. I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2017-08-23
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. (CA)

I have disputed the information you listed on my report : XXXX XXXX XXXX # XXXX : Unverified information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all information you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent information.
Consumer complaint received 2022-01-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4300.00} XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (AR)

I have been disputing SELF/LEAD ACCOUNT for over a year. I have been disputing inaccurate information and telling the credit bureaus that the information is inaccurate and misleading. My credit score has dropped XXXX point since this account is mishandling my credit report. I have tried over a year or so to contact the company and resolve this issue. I have also sent this company emails which they never respond. Also this account has been in violation of re-aging, all XXXX credit bureaus are reporting different and inaccurate dates as date opened, date of last active, date of last activity, date of last reported, payment status and payment history.
Consumer complaint received 2022-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I received an email offer from Regions Consumer Bankcard offering two balance transfer options. ( XXXX of original email attached. ) Offer one ( Region 's promo code XXXX ) was 0 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Offer two ( Region 's promo code XXXX ) was 1.99 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Transfers needed to be completed by XX/XX/XXXX, so I made three transfers in XX/XX/XXXX XXXX for {$560.00} to promo code XXXX, a second transfer for {$1000.00} to promo code XXXX and a third transfer for {$1800.00} to promo code XXXX. I also made an additional Transfer in XX/XX/XXXX for {$3400.00} to promo code XXXX. 
My concern was with the transfers to the 0 % APR promo code XXXX that ran through my billing cycle that ends in XX/XX/XXXX. I called numerous times to clarify how I could pay the balance off on offer one before it ended in XX/XX/XXXX without paying any interest and was told it was not possible because of the way they applied payments to the balances. On a call-in early XX/XX/XXXX, I was told to wait until the Promo rate ended in XX/XX/XXXX and pay it off in XX/XX/XXXX because then it would be my higher rate balance and my payment over the minimum due would be applied to that balance & I could call & get the few days of interest forgiven. So, I made two payments, the minimum, and an amount more than the balance in question. I get my XX/XX/XXXX statement and XXXX charged interest at 20.99 % APR on the balance I thought I had paid in full in XXXX. So, I called today XX/XX/XXXX, and their claim now is that promo I accepted ended in XX/XX/XXXX not XX/XX/XXXX as stated in email I received, and my payments posted in XX/XX/XXXX before the rate changed so they were applied to the balance with the higher interest rate not the balance I intended to payoff. They never wanted to see a copy of the offer I received and called me a Lier by inference.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have recently obtained a copy of my credit file and there are many unverified inquiries in my report. These inquiries listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. XXXX : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlantic Recovery Solutions LLC (PA)

Two acquaintances received phone calls, one of the calls received went to voicemail and the transcribed voice message was forwarded to me. I have attached a screenshot of the transcribed voicemail. I also received a voicemail from ARS ( Atlantic Recovery Solutions ) from a XXXX regarding a debt I do not owe. I have attached a screenshot of that transcribed voicemail as well. 

I have not received any documentation from this company whatsoever. I checked my credit reports from all three credit bureaus and this company is not listed on any of them. They have sent nothing by mail I can respond to in order to verify this is a legitimate debt. Because the message was sent to an acquaintances phone and not my own I further cant verify who they are. The only way I was able to find the company behind this call was because the person sent a screenshot of the phone number it was received from and it matched the message Id received. 

This is not legitimate. 

The outcome I desire is no further contact from this company in any form whatsoever. They will not harass acquaintances or attempt to contact me through other parties or any of their affiliates. Whatever records they believe they have regarding me will be removed from their systems and will not be passed on to further parties in another attempt to receive monies from me. 

Please investigate this business on my behalf. I believe they are attempting to press an illegitimate claim to receive money for a debt I do not owe.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

I opened a XXXX XXXX XXXX last XXXX. We used we pay for a couple big transactions from new customers. We pay closed our account due to high risk and has been holding XXXX of dollars since last XXXX. The problem is Im still in debt from these funds because I only made around {$300.00} profit from that sale. And I had to invest with my own money, this closure actually made my business fail directly and I still have no received my money from it. They have refused to mail me a check and said it must be wire transferred. I successfully did the whole process for the wire transfer then after weeks of waiting they saidit was rejected and to resubmit it so I have to resubmit a wire transfer form and wait for a confirmation phone call from accounting which could happen at any day any time apparently. I told them, HERE IS MY WORK SCHEDULE. I told them my exact work schedule and to please call within these times. Just today XXXX accounting tried to call me XXXX XXXX  in the middle of my shift. And now no responses via email, and XXXX has XXXX way to speak via phone call unless they call you. They are holding my money hostage
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-25
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.