davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

I opened an online checking and saving wiIth SunTrus bank in XX/XX/2020, then I used their APP to deposit a bank check issued to me by XXXX XXXX  with an amount of {$3400.00} ... ..within few days the the online account showed me that the check has been cashed and money was available to my use. 

2 week later I added an external bank through Suntrust and they verified that bank through depositing 2 small amounts to it .... 

I tried to transfer part of that money to the external account so I can have access to the funds since Suntrus never sent me a debit card to use even after i called them few times to do so.but instead they closed my account and removed my access to the account with no known reason to me, when I called them to investigate they said they would mail me info on why they closed the account, but they never didi. 

I called them 3 times to have them mail me a check of the funds that are still in the account, one time they said they would send it in a week, in another call they said tow weeks, and never did. I called them multiple times after that they started saying that the bank who issued those check that I have already deposited and appeared on my account as available funds put a hold on the funds after they have been cashed!!! 
I called the Issuer bank ( XXXX ), they assured me they never put a hold on the checks, they also mailed me a copy of those checks as per my request. 
in my last call to SunTrust they said they wouldn't send me my money and the issuer bank need to recall the money, I called the issuer bank and they said they cant do it because they dont have the money and there is no hold. 

SunTrut refused to call XXXX nor to send me any statement about the issue and the funds nor they allow me to talk to any manager, when I asked about a time frame for my issue to be resolved they said they don't know, it could take months and without the XXXX XXXX recalling the money that SunTrut have already they wouldn't do anything and my money could stay there indefinitely!!!
Consumer complaint received 2018-07-31
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)

XX/XX/2013 I declared Chapter XXXX Bankruptcy. I was up to date on all payments until I submitted the Bankruptcy. 8 of the companies note derogatory reports that my payments were late. My attorney advised me to have this amended as the derogatory remarks of late payments were in error. I went to each credit bureau, XXXX, Experian and XXXX. Disputed all 8 accounts, however the summaries that the credit bureaus reflect still show the 8 account late payments. I contacted them and advise that is correct even though the actual creditors amended there records.
Consumer complaint received 2018-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (CA)

On Friday XX/XX/XXXX at XXXX, my friend and I went to this famous Lingerie department store XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX , CA XXXX. While my friend was at the cashier paying out for the items, the sales agent in cashier XXXX deceived my friend into convincing her that she could get a discount of XXXX $ on her purchase if she applies for this angel 'Customer Loyalty ' card which is absolutely fraudulent to sell credit card to people as customer loyalty or discount cards and not mention at any part of time that it is actually a credit card. The agent then asks my friend for her information including her social security number which she does not remember. So, the agent literally told her " You can use your friend 's information instead and I will give you the angel card '' which is a clear incitement to identity theft. So, my friend who knew nothing about credit cards and who just wanted to get the XXXX $ discount on her purchase came asking me for my social security number and did as the sale agent says and the agent then went ahead processing the application for her until I realized in the middle of it that I was being dragged and scammed into applying for a credit card without my consent by this sales agent and without any knowledge by me or my friend of what was going on ; so I immediately interrupted the agent and demanded her to stop what she was doing by clearly stating : " I do not wish to apply for a credit card ; do no proceed with your application please cancel whatever you are doing ''. She after that assured me that she has cancelled everything and the application did not go through. However when I get home later that evening, my friend receives a message on her email stating " Congratulation for your new XXXX XXXX XXXX card, Your credit limit is .... Expect to receive the card in your mail within two weeks ''. I was shocked of how desperate this agent was to sell that credit card, she did not only lie about what she was trying to sell us, and incited my friend to use information that is not hers to obtain the card but also lied about the card application being cancelled though it went through ... 

As a result of this company hiring such irresponsible employee to sell credit cards using all kind of fraudulent methods and lies, I now have a hard inquiry on my credit report that will for sure hurt my credit score and prevent me from getting the mortgage I was planning to apply for to finance my home, and on top of that a credit card issued in my name that I know nothing about.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

I saw an unrecognized transaction on checking account for {$99.00} and immediately alerted Chime. Received a response that an investigation by Chime found no error, meaning they thought this charge was valid.

The description on the charge had been noted as General Merchandise. 
If I had purchased anything there should be an order/invoice to support the purchase as well as a packing slip, shipment tracking and such. None of these items were provided to me. 
I received an email telling me Chime no longer used email for disputes and I needed to call. 
I called and was instructed by a member of the dispute team to email proof I did not make the purchase. 
I explained over and over it was an impossible request - since the vendor when I searched XXXX for the name - didnt exist and I had no way of knowing who or where they were and what they claimed was purchased. 
She insisted I needed to give documents to support my claim and the only thing I could come up with was a screenshot I had taken of a local newscast showing police activity where our family used to live. I had taken the screenshot to send my adult kids as they would likely be interested in seeing. 
So, along with a description stating this was the best I could do to show what I was doing near the same time as the charge happened I emailed the screenshot along with their reference number Id been given and got a reply stating I needed to call. So I called again and was instructed to send an email. I stated Id already done that. I sent email again explaining Id already submitted this info. The email instructed me to call. I replied stating I had been told to send info. Was again told Id have to call. 

This happened - a circular event of call us, Id call then theyd say send an email. Id send an email to the company at the address theyd provided and get the form letter telling me to call. OVER 25 times. 

Out of desperation I looked up their Board of directors on XXXX so Id have a way of bypassing the offshore call center that did not seem to understand any of this issue. 

I emailed the CEO, XXXX XXXX. Didnt get a response. 

What do I have to do to have this company actually investigate and provide the simple backup to their investigation? The only backup I ever got was the intake form which documented the info I had given them initially. That is wholly unhelpful as there was no information regarding what company name actually is, an order/invoice form, where it was shipped to. 

I know I did not make this purchase but Chime has arbitrarily decided I did and cant prove it, at least from what I can tell. 

I need my {$99.00} back in my account as I am on SSD fixed income. 

I am attaching the transaction information seen on my account. This is the entire amount of info I have. 

How can I prove I didnt make this charge in a way that will make Chime refund my account?
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENOVA INTERNATIONAL, INC. (MD)

This account is being reported past the statue of limitations with false information. It was sent by the company to XXXX XXXX where it was paid in full and agreed via letter from XXXX XXXX that it will be removed from my credit once paid.
Consumer complaint received 2018-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (CA)

I called the company on XX/XX/XXXX about my car loan that was bought in XX/XX/XXXX and asked about payments, and asked why my principal balance only dropped around {$800.00} in 2 years, I have paid over {$9400.00} to them and I still owe almost what I financed. The service rep tried to tell me that if payment was due on the XXXX  and I did not make the payment till the XXXX or XXXX that all the payment went to interest. I don't understand how the are figuring this out, because most companies have a 5-7 day grace period. I need better understanding of how this works..
Consumer complaint received 2021-12-27
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. (FL)

My name is XXXX XXXX and I am filing this report on my behalf. I have attached my ID Documents and I am putting my SSN Information. This complaint is for false reporting of misleading information. This is me do not say you don't recognize me.
Consumer complaint received 2021-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

In XX/XX/2021 I purchased a phone on XXXX that was financed through a 3rd party named Affirm. The phone never arrived and XXXX states they applied a full refund to Affirm. Affirm processed a partial refund and then has continued to try and collect the remainder they say I owe. I received no product or money. How is this legal? I finally paid them the balance after months of harassment. I even had XXXX call them directly. This seems like it should violate consumer rights. Hopefully you can help sort this out.
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (MI)

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. I am absolutely upset that you guys would break the law like this. 

XXXX XXXX XXXXXXXX XXXX XXXX Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax XXXX account XXXX XXXX XXXX  XXXX XXXX / Equifax Inaccurate account XXXX XXXX XXXX of XXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX dept of XXXX XXXX Inaccurate reporting on all XXXX bureaus Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inaccurate reporting on all XXXX bureaus Account XXXX
Consumer complaint received 2018-11-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MA)

I have/had a loan with Caliber Home Loans. Earlier this year, I want to say XXXX, I pursued with the help the the state of Massachusetts Attorney General 's office a modification which was finalized and signed. I send my payments to XXXX each month via tracked mail and have been doing so for over a year. Caliber received my check on XX/XX/XXXX and did not cash it like they normally do. I called and asked about it on XX/XX/XXXX and was told that my servicing would now be handled by XXXX XXXX, that they had sold my loan. This was 19 days ago, and I still have not received paperwork from either servicer regarding my mortgage loan. It is my understanding that I should have gotten paperwork of some sort at least 15 days before my payment was due, which is the XXXX. I have no address to send it to, no new loan number which is necessary since nobody seems to want to send statements. I have already had to fight foreclosure threats from Caliber and had to call in the Attorney General in order to do so because they kept finding reasons to bounce modification requests.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NJ)

I am really upset that American Express has denied me over 10 times to get approved for a credit card. I have been approved for a XXXX  XXXX  and XXXX card and have an exceptional payment and utilization history. My credit score is XXXX and yet I am being denied for a credit card. I am really upset that American Express has failed to properly look at my credit profile and see that I am eligible for these cards. My social security number is XXXX and my date of birth is XX/XX/1983.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (CA)

I sent a debt validation letter to Caine & Weiner for a collection account found on my XXXX credit file. I sent a request for debt validation on XX/XX/XXXX via certified mail. it was received and signed on XX/XX/XXXX. It has been 30 days without communication. I have not received any documentation validating the debt belongs to me as allowed under the Fair Debt Collection Practice Act ( FDCPA ). I attached a copy of the validation letter sent and proof of certified mail received.
Consumer complaint received 2022-06-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # # # # # # # XXXX, XXXX XXXX XXXX XXXX Account Number # # # # # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas 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 an account without my written instructions
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (VA)

I recently requested a refund of my credit balance and I was told that a check will be mailed to me. I had previously used XXXX 's bill pay services and used linked banks to pay the balance. I received a letter today, XX/XX/2018, saying my credit balance of {$2300.00} was sent to " the financial institution where the most recent payments were withdrawn. '' I call to find out where the money went and I was told most likely XXXX bill pay services since that is where the most recent payments were made. 

I went to check with XXXX. They have never received such refund and I also checked all the linked bank accounts, none has received the refund. 

I request further investigation and documentation on where my refund has been sent and received so I can track it down.
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm reaching out to contest the presence of this bankruptcy on my credit report. It's worrisome since I have a court document expressly stating it shouldn't be reported to you. Additionally, the unauthorized third-party involvement makes this situation even more absurd.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and Equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. I have attached XXXX and Equifax reports to show the discrepancies.
Consumer complaint received 2018-07-31
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: Diversified Consultants, Inc. (TX)

After pulling my credit report I noticed there was an account from Diversified Consulta I called the company explained that it did not belong to me and they explained I needed to file a fraud acct which I did after filing it I called back and they told me I had to wait 90 days before it would be resolved. They are just giving me the hardest time trying to get this matter cleared up I have a mortgage pending and 90 days is not acceptable I called back and ask if I could get any information about the account showing that I have filed fraud charges and they told me no I just needed to wait. I spoke with XXXX XXXX XXXX and filed a fraud claim for them as well and they have are telling me the same thing. According to XXXX XXXX XXXX this account was open at a different address than mines for the amount of {$890.00} also the dates is XX/XX/2016 to XX/XX/2016 and I was under a lease at my current address at that time I want this deleted and removed from my credit immediately.
Consumer complaint received 2018-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

IC SYSTEMS INC account no.XXXX is appearing wrongfully on my XXXX and XXXX credit reports.I recently disputed the debt with XXXX  as not mine and it was " verified '' as mine within 2 days.During that time it also appeared on my XXXX report.The original creditor is XXXX.This is not my debt, I was not living at the address at the time they say I was delinquent.The debt is an error or belongs to someone else even if they used my ID.
Consumer complaint received 2018-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (RI)

From the month of XXXX I have been paying XXXX XXXX dollars every two weeks and expecting to end last payment XX/XX/XXXX talking interest on XXXX loan said 13 weeks loan payback with interest. Is this legal a tribal place runs it