davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/XXXX of 2020 ( XX/XX/2020 ) the amount of {$890.00} was stolen from my Fifth Third Bank XXXX account and force it into a negative balance. On that same day I immediately notified Fifth Third bank of the theft and the bank agents refused to adjust the account and disconnected the call without submitting a dispute. On XX/XX/2020 ( XX/XX/2020 ) I deposited {$2000.00} to restore the account from a negative balance to avoid charges, leaving the account with a {$100.00} balance after posted transactions. Again on XX/XX/2020 ( XX/XX/2020 ) another theft of {$540.00} from XXXX XXXX XXXX company forced my account into a negative balance due to undisclosed banking activity and improper ledger book entries. I notified Fifth Third bank agents and dispute department again on XX/XX/XXXX of 2020 XXXX ) faxing to them proof of the theft by XXXX XXXX XXXX to show the improper adjustments in my account sending the account into a negative balance. I received no assistance in identifying these irregularities. Fifth Third Bank has failed to disclose to me that their contract agreements with Visa and Master Card allows vendors to access my account activity and alter my transaction history of pending and posted transactions in my account.
Consumer complaint received 2024-03-06
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. (GA)

TransUnion is violating the FCRA pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 errorsA 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 have reviewed my credit report and have found several inaccuracies. Please delete the inaccurate accounts from my credit report. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-09-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NC)

Several weeks after a XXXX, a partner in the medical practice ( not the doctor who treated me ) called me and insisted I meet him in the ER. He then called my insurance company and insisted I needed " observation  ''. I sat in the waiting room, without knowing why I was there, for several hours while he convinced the insurance company that I needed further care. He insisted I be admitted  to the hospital where unneeded and XXXX  XXXX tests  were performed. One of the nurses told me that because I have XXXX in addition to my primary insurance, it didn't matter how long I stayed in the hospital. After they XXXX my XXXX  several times during a botched and unnecessary procedure, I finally called a physician outside XXXX system who advised me to ask for a copy of my medical records. An attending nurse wrote the request on the white board in my room. When yet another doctor in the practice saw the note, she said " there's nothing wrong with you, is there? '' and she signed immediate release papers. The nurse literally threw my clothes on the hospital bed and told me to call them when I got home to ensure I arrived safely. Thus, I must have gone instantly from half dead to a get out of here and fend for yourself status. I have tried in vain to get a detailed account of the billing, but the hospital and the doctors have both refused the request. My understanding is that 8-10 departments in the hospital charged an Observation fee of $ 800-1000. The surgical group tried to file a false XXXX claim but it was rejected. The hospital has refused to file a claim with XXXX. They just want me to pay for this scam. A complaint to the hospital was buried by their Quality team and the representative there who was handling my complaint had a colleague call me to say she was too busy to talk to me. This is fraud, unfair and deceptive, and the greedy, inept doctor who did this is a danger to the public. Several people were assigned to look at various aspects of the complaint and one of them sent me a letter stating that the doctor in the practice who initially treated me agreed that everything went well and there was nothing wrong with me, so the big question is why did a random physician in the practice contact a patient he had never seen and fail, from the beginning, to respond to that patient 's repeated questions about what was wrong. Why hold a patient in the hospital with the intent of billing XXXX, then fail to actually file a XXXX claim -- no doubt it's because the patient called their bluff on the fraud. If the hospital has refused to participate in the billing fraud, the doctor who perpetrated the scam should pay the bill.
Consumer complaint received 2021-06-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

We sold our house and Escrow team contacted SunTrust Mortgage for final pay off amount on XX/XX/XXXX. We got the amount details and Escrow team paid off in Full on XX/XX/XXXX. However, there was auto payment scheduled that night and an amount of XXXX $ with drawn from my checking account on XXXX. 

When i contacted initially, they agreed that autopayment was not cancelled and they will refund the amount ( XXXX ). 

When i called them 2 weeks later, they said that amount was adjusted to my loan. I asked them how could they adjust that amount to the loan after i got the pay off amount including all taxes, etc. 

There is no proper answer to that, and the Reps keep forwarding my calls from 1 team to another or keep me on hold for several hours. I asked them to send every single payment i paid from the beginning and how this XXXX $ amount missed in their pay off calculation just 2 days before. No response to that.
Consumer complaint received 2019-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This company is fraud, i have never opened an account with yet they are reporting inaccurate information on my CR. XXXX with XXXX. i never opened any account with the company. i have told them numerous times to remove this information, yet they keep it their expecting me to pay for something that is not mine. You all need to remove this stuff from my report now. This is not mine and someone used my information. it is unlawful to report incorrect information.
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX, at XXXXXXXX XXXX, I deposited 2 money orders made out to me for {$1000.00} each, at a Bank of America ATM location on XXXX XXXX XXXX in XXXX, MA XXXX. I also deposited a check from XXXX XXXX  drawn on a checking account that is also in my name, for the amount of {$1300.00}! The deposited total was {$3300.00}. 
Bank of America customer service representatives are telling me that for reasons unknown the funds will be available on XX/XX/XXXX. I called Bank of America 's customer service and they stated that they were placing a hold on the funds in order to " protect me! '' Protect me from what?? I also drove to their XXXX XXXX branch located XXXX XXXX XXXX and spoke to a gentleman by the name of XXXX who was unable to tell me what if anything was the problem before sending me on my way. I have been depositing money orders for years in the same account, so why are they having an issue now? I have had direct deposit for approximately 7 years. I have been a customer of the Bank of America since XXXX, so it's definitely not a new account. I haven't been overdrawn or bounced any checks in over 10 years!! The deposit is well below the {$5000.00} that's used as a guideline to place a hold on funds by Bank of America. There is no reason to believe that the money orders or the check deposited is in any way shape or form uncollectable! I deposited the money orders and check so that I could pay my bills, so for Bank of America to place a hold on these items for no apparent reason, is totally unacceptable on their part!!
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed a copy of my credit report I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-03-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to dispute an error on my credit report related to my account with XXXX. Due to an accounting error, my account was inaccurately reported as late, which is causing a negative impact on my credit score. However, I have been in contact with XXXX, and they have acknowledged the error and agreed to update the account status to open and never late. XXXX XXXX
Consumer complaint received 2022-10-06
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. (MS)

On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to be removed.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with account listed under Phoenix Recovery Group. I requested a validation on XX/XX/2019 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2019 and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. Therefore on XX/XX/2019 I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/2019 and still there were no updates to reflect that account was being disputed and no validation was received. I do not believe this account is valid and correct nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (FL)

Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2022-10-06
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avadyne Health Holdings, Inc (AZ)

I received 23 phone calls from this debt collection agency, within the last 3 months. They call me while I am at work, it is a very frequent occurrence and it is very harassing and intimidating. I'm afraid to answer the phone when I receive phone calls because I don't know if they're calling from another number or not. I'm unable to answer the calls while I'm at work, and it's creating an air of panic. Every time I receive a phone call. It impacts my ability to do my job because I'm receiving these phone calls. I am unable to answer these calls because I'm working and the company will not stop calling me. It is abusive, unfair, and intimidating.
Consumer complaint received 2019-09-28
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: EQUIFAX, INC. (FL)

Just looked on my credit report today. Found XXXX XXXX, XXXX XXXX/ XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX. This is untrue. I am part of numerous data breaches. I had identity theft. I reported this already. I never ever! Asked for credit never made these inquiries. These need to come off. XXXX and Equifax credit reports. At this time XXXX XXXX is not showing these inquiries. These inquiries was not made or done by me. This was unknown with out my knowledge.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

ON OR ABOUT, XX/XX/2019 MY CREDIT CARD APPLICATION TO HSBC BANK WAS WRONGFULLY DENIED DUE TO THEIR TOTALLY ASININE BELIEFS THAT MY MAILING ADDRESS COULD NOT BE VERIFIED. I HAD SUPPLIED HSBC A CURRENT COPY OF MY XX/XX/2019 XXXX PHONE BILL THAT CLEARLY LISTS MY VERIFIABLE ADDRESS, HOWEVER, HSBC STILL REFUSES TO PROCESS AND ISSUE TO ME A HSBC MASTERCARD.
Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (WA)

I received an letter than I had to pay {$1700.00} by XX/XX/2020 and if not my Drivers license would be suspended, reason being XXXX Forwarded my account to Sentry Credit collections.. I have a receipt from Sentry credit collections that shows That I did take care of that debt, listing receipt of payment in full, with XXXX balance owed, From Sentry Credit collections on XX/XX/2020 payment in full had been made and no debt was owed as of that date ( XX/XX/2020 ) .. Sentry Credit collections Subsequently failed to notify XXXX county courts and my license was suspended improperly.. I fulfilled my end of agreement by paying in full and Sentry Credit collections failed to uphold their end of the agreement, and in fact as of now has still failed to report no debt owed. Failure to report No debt is owed, has now caused myself big problems. This failure to report no debt is owed Now Has caused my drivers license to be suspended without reason, subsequently I now received a XXXX XXXX XXXX when in fact my license should have never been suspended due to no debt is owed ... I feel that Sentry Credit collections has caused myself damages and I believe their business practices are unethical and illegal. Sentry Credit collections has not been honest in regards to reporting that there is no debt owed and Sentry Credit collections has lied to me on three occasions reporting  to me that they have notified XXXX County Courts that the debt was paid in full before the date of suspension, when in fact as of today Sentry Credit collections have not. I should have never had my license suspended and because of Sentry credit collections negligence and improper procedures they are solely responsible for damages I am now experiencing.. I am asking that Sentry Credit collections notify XXXX County court of their mistake immediately and report no debt is owed and I should never have had my license processed for suspension, that they failed to report no debt owed.
Consumer complaint received 2022-12-03
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. (NJ)

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 c furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account unde.. ) open end consumer credit plan as late for purpose.
Consumer complaint received 2019-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (CO)

First National Bank of Omaha dropped the credit limit of a 36 year relationship VISA credit card from $ XXXX to $ XXXX with no advance notice, which caused issues when getting ready to travel. Contacted the VISA department and was given a poor response that due to " concerns of fraud and lack of use '' they felt the previous limit could be better used with another customer.
Consumer complaint received 2020-02-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (MI)

THIS COMPANY KEEPS REPORTING TO MY CREDIT FILE THAT I HAVE A DEBT COLLECTION WITH THEM, HOWEVER THAT IS INCORRECT. I ASKED THIS COMPANY BACK IN XX/XX/2019 TO PROVIDE ME WITH DOCUMENTS THAT PROVE THIS IS MY ACCOUNT, WHICH THEY DID NOT DO AND I KNOW THAT I HAVE RIGHTS TO ASK FOR THESE DOCUMENTS AS WELL AS I KNOW THAT CREDIT BUREAUS ARE SUPPOSE TO VERIFY THAT THE ACCOUNT IS MINE, HOWEVER IF THE CREDIT BUREAUS ARE GETTING THESE DOCUMENTS WHY HAVE I NOT SEEN THEM. I HAVE BEEN GOING BACK AND FORTH WITH THIS COMPANY WITH DIFFERENT CREDIT BUREAUS AND THE DEBT GETS DELETED BUT THEN THE DEBT COLLECTOR ADDS IT AGAIN AS ITS A NEW COLLECTION WITH A NEW OPEN DATE BY THE SAME COLLECTOR ( THE ACCOUNT WAS NOT SOLD TO ANOTHER COLLECTOR SO HOW IS THIS POSSIBLE? WHEN IN FACT IT IS NOT. CREDIT BUREAUS NEEDS TO PAY MORE ATTENTION TO WHAT THEY ARE DOING TO PEOPLES CREDIT FILE BECAUSE THERE ARE PEOPLE OUT HERE WHO DEPEND ON THEIR CREDIT. I REFUSE TO KEEP LETTING THIS COLLECTOR RUIN MY CREDIT WITH DEBTS THAT ARE NOT MINE. I WANT TO SEE PROOF AND I HAVE THAT RIGHT TO.AFTER YOU INVESTIGATE THIS MATTER PLEASE FIND A WAY TO HAVE THIS AGENCY STOP REPORTING FALSE DEBTS THAT I DO NOT OWE. THIS COMPANY HAS REPORTED THAT T
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

Even though I have never authorized the activation of or lost the TD Bank Visa XXXX card # XXXX XXXX XXXX XXXX, a fraudster was able to replicate this TD Bank Visa and made numerous fraudulent charges starting XX/XX/XXXX : Card Number Ending in XXXX XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX, CA : {$17.00} XX/XX/XXXX ; Reference # XXXX ; XXXX : {$87.00} XX/XX/XXXX ; Reference # XXXX ; XXXX  : {$86.00} XX/XX/XXXX ; Reference # XXXX ; XXXX  : {$89.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX : {$210.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX XXXX XXXX, XXXX, NY : {$62.00} XX/XX/XXXX : Reference # XXXX ; XXXX : {$130.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$1000.00} XX/XX/XXXX ; Reference # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY : {$3200.00} XX/XX/XXXX ; Reference # XXXX ; XXXX WA : {$240.00} XX/XX/XXXX : Reference # XXXX Payment received {$20.00} XXXX Card Number Ending in : XXXX XX/XX/XXXX ; Reference # XXXX ; Payment received $ XXXX XXXX  : XX/XX/XXXX ; Reference # XXXX Cash Advance Fee {$54.00} XX/XX/XXXX ; Reference # XXXX ; Cash Advance Fee {$160.00} Interest charge-cash : {$11.00} These are the fraudulent charges, fees, and interests on the statement closing XX/XX/XXXX. There are additional Fraud charges, fees, and interests after this statement closing date, which I would have no knowledge of since the Fraudster changed my TD bank profiles such as fraudulent mailing address ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ), fraudulent cell phone number ( XXXX ) XXXX, and fraudulent e-mail address ( XXXX ). Therefore, I have not been able to log into the my online account since XX/XX/XXXX. 

Furthermore, on XX/XX/XXXX, I received a text from XXXX  regarding a suspicious cash withdrawal activity at XXXX XXXX XXXX XXXX for {$3200.00}. I replied the text as Fraud. TD bank replied back as " Your card may be restricted. However, this fraudulent cash withdrawal of {$3200.00} at XXXX XXXX XXXX XXXX, XXXX, NY still went through on XX/XX/XXXX. 

Even though all of these charges, fees, and interests are all from fraudulent activities and it would take up to 90 days to investigate, the TD bank Visa Fraud department would not issue any provisional credits while the fraud charges are under investigation and still insists that I am responsible to pay the minimum payment of {$200.00} due on XX/XX/XXXX in order to avoid my account to be reported as delinquent, which will affect my credit score. Please have all these fraudulent charges, fees, and interests resolved ASAP by XX/XX/XXXX the latest, so my account will not be reported as in delinquency.
Consumer complaint received 2021-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, TransUnion and XXXX  are reporting incorrect accounts on my credit report. Here are a few details that you should be verifying are accurate : Account Number Creditor Name Open Date Charge off Date Payment History Borrower Names Balance I wrote a letter each of the three credit bureaus stating Ive found incorrect information that needs to be removed. XXXX XXXX, XXXX and XXXX