davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (FL)

I started a new employer and set up direct deposit into my account on XXXX XXXX I received a paper check instead of direct deposit is it was the first one going into the account the bank proceeded to put an extended hold on my payroll and would not allow access or verify that the check had cleared which in turn overdrew my water bill charging me another {$70.00} in fees and I also was not able to open another bank account elsewhere because Ally Bank have done multiple inquiries on my XXXX XXXX report which are repetitive senseless and on authorized by me which is preventing me from moving my relationship from them I have been a long-time customer they stated this was due to previous overdraft which my account was not negative when this deposit went in there was zero risk as I do not have overdraft on honor, and it does not take over six days to clear a check electronically in todays day and age I have 16 years XXXX experience and XXXX in a corporate setting Im not sure why they failed to see the pre-note coming into the account from my new employer to verify indeed this was a payroll check their customer service has been horrible I have been penalized and charged for senseless reasons and I want reimbursed for these excessive fees that I was charged in this regard I want all their inquiries removed from my XXXX XXXX report
Consumer complaint received 2021-07-23
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: RateGenius Loan Services Inc (TX)

So I saw an ad that they could lower my interest rate. 

Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another Peoples Trust.

I try calling Rate Genius and they say to call the banks and then the banks say to call Rate Genius. Then Rate Genius said to call XXXX. XXXX  said to call Rate Genius and I explained to them I have and they advised I call you guys.
Consumer complaint received 2019-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

XXXX XXXX received my Direct Consolidation Loan from XXXX approximately XX/XX/2018. I have been making payments to this consolidation loan at XXXX that qualify toward payments under the PSLF. I have phoned several times, but I have not got XXXX XXXX to research the documents received from XXXX  so that I can have the appropriate number of qualifying payments post to my account.
Consumer complaint received 2021-04-14
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. (WA)

XXXX XXXX XXXX Original C Creditor was ( XXXX XXXX XXXX XXXX ) balance of {$89.00}. I called XXXX XXXX XXXX XXXX they said they dont use XXXX XXXX they use XXXX XXXX. The debt was paid in full thru XXXX XXXX on XX/XX/20. I am requesting this to be removed from my credit immidiately.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: AMERICAN EXPRESS COMPANY (FL)

American express refused my application for a new card after being a card holder in XXXX and XXXX for over 48 years. 

I have only a minuinmal credit report based on 1. no activity and 2. education payment by one of my children AND 3. Just returning to USA after working for years out of the country. 

So American express simply rejected my card transfer. OMG after years of good credit with them. And offered no help, no interest, nothing. 


There policy is so terrible and the credit report is so so misleading. And they should no interest in check y credit ith them or any one else over the past 40+ years. 


That rejection has causes me great embassment and many problems. 

I also have great credit with banks in XXXX and XXXX and other credit cards with great credit. 

The Amex system is unfair and wrong and misleading. The situation is costing me money and other problems having to use cards regester in other countries.
Consumer complaint received 2019-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I've attempted to withdraw my funds from paypal for weeks now, though they continue to tell me that the system is automated and that they're unable to allow me to withdraw my funds manually. 

They continue to tell me that the online system sometimes has a hard time ensuring that it is the right person access the account -- while I've verified my identity on the phones and am withdrawing to a bank account that has been allowed to work in the past.
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

this company is reporting negative, false, misleading wrong information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Bureau Name ACCOUNT RESOLUTION SERVI i paid them in full the are reporting on my credit bureau report that i still owe them and paid in full
Consumer complaint received 2022-10-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened up a capital one credit card for XXXX dollars to boost my credit score. I have never used this card, I wanted to keep balance at XXXX. I was informed by capital one the card had a XXXX annual fee, and the card would not be active until it was paid. I have never received a statement for the card by mail or electronic. They finally notified me by phone and told me the fee was ( 3 ) months late, I paid the annual fee, they told me they would wave the late fee 's. I applied for a new home loan and was denied they reported on my credit report ( 3 ) missed payment, it destroyed my score. I contacted them and they said nothing could be done and it would stay on my report until 2026. This will potential cost me thousands of dollars in interest payments. Please stop this attack on consumers and this type of fraud.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The XXXX XXXX XXXX ( XXXX XXXX/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

LexisNexis removed incorrect details regarding an Accident in XX/XX/XXXX. As a result of this correction, XXXX issued me a {$1000.00} Refund. I switched to another company and the details are coming up again as incorrect. LexisNexis issued me a letter in XX/XX/XXXX assuring me the issue had been corrected. REF XXXX.
Consumer complaint received 2019-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (FL)

on XX/XX/2019, I received a letter from the convergent collection in it was stated I owed them money, I replied within 30 days I did not owe them anything via certified mail, now I have received another letter and more phone calls that I do owe this debt ; As a result of their behavior, I have suffered emotional distress ; mental anguish. For God sake, I am XXXX years old XXXX   man this constant harassment from these people is going to send me to straight to my grave.
Consumer complaint received 2019-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Had a previous complaint # XXXX concerning HSBC Bank whereas they were to have paid me a {$200.00} bonus due to a promotion. Received an email from the VP of Customer XXXX, XXXX XXXX confirming that they were to pay the bonus no longer than 30 days after XX/XX/XXXX. As of XX/XX/19 they have not conformed with the terms of our original complaint, which included this payment. Tried to contact them via phone and email per their instructions and they refuse to answer the calls and have not responded to my email. The terms of the original complaint are recorded under case # XXXX, thus making this a 2nd request and their 2nd attempt at chicanery.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On or about XX/XX/2019 TRANSUNION LLC received a letter from me in which I asked for verification of alleged accounts on my credit report. TRANSUNION LLC has refused to respond as I now demand the accounts in question be removed from the credit report of XXXX XXXX or provide the method of verification used to list these accounts on the credit report of XXXX XXXX. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ''. In compliance with this method of investigation provide the following : 1.name, address, and telephone number of each person contacted regarding each alleged account. 
2. A copy of any documents provided bearing my signature, showing that I have a legally binding contract or that positively identifies XXXX XXXX ( such as public records showing full ss # of XXXX XXXX with signature ) as person responsible for or obligated to alleged accounts and public records. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Contemporary Information Corp (CA)

XXXX  criminal background is inaccurate it stats I have a frankly but was dropped to a misdemeanor, due to this inaccuracies Ive been denied jobs as well as XXXX XXXX County housing. I request to have this removed asap
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have been disputing information with Transunion for months. I filed many complaints stating Transunion was violating the FCRA and the same employee XXXX XXXX responds saying the information is accurate. I contacted one of the companies and they said they closed the account and submitted the information to be deleted by Transunion. The last complaint was filed on XX/XX/18
Consumer complaint received 2019-01-30
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. (GA)

XXXX XXXX has a debt listed my credit reports ( XXXX-Equifax-XXXX  ) in the amount of {$550.00} that was placed on my credit reports. They have the Address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  Phone Number XXXX The Collections Company XXXX XXXX XXXX is not listed when searched on XXXX or internet. There is a XXXX XXXX XXXX listed and they said they have no record of this account. I contacted the phone number and it is a automated system. I have filed a complaint on this company with the Consumer Protection Bureau ( XXXX ) I would like this collection debt removed from my credit reports because they are not mine and are not valid- I dispute this account
Consumer complaint received 2023-01-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

On XX/XX/XXXX at XXXX Huntington Bank authorized two debit card withdrawals totaling XXXX from a combination of savings and checking account to XXXX XXXX. At XXXX we called the 1-800 customer service phone number at Huntington and informed them these were unauthorized transactions. We filed dispute # XXXX with Huntington and when speaking with XXXX at Huntington she said that " nothing could be done until the transaction posted on Monday XXXX night. '' She stated transactions could not be stopped. On Monday XXXX meeting with XXXX XXXX, Branch Manager at Huntington Bank in XXXX XXXX XXXX at XXXX he also stated that nothing could be done until Tuesday after these transactions posted. On Tuesday XX/XX/XXXX at approximately XXXX an additional XXXX  was transferred by Huntington Bank to cover overdraft fees. Huntington is stating misleading information to us indicating a lead time of XXXX days and it may not be returned at all. We have filed a report with the XXXX XXXX XXXX, MN police - case # XXXX
Consumer complaint received 2019-07-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I was unemployed since XX/XX/XXXX but was able to maintain payments until XX/XX/XXXX. I called them once or twice a month as a sign of good faith. I spoke with one representative early on and was told that by law I have at least 120 days before my loan goes into foreclosure. I continued to make calls letting them know that I was diligently searching for a job, but I was also told that I could not apply for a loan modification until I had proof of income. By the beginning of XX/XX/XXXX I called because I wanted to make at least one payment as I had borrowed from family to get that. The rep would not accept it and said they would only accept two payments, and that I should call back when I have two payments. I got a job by the end of XXXX and called them on XX/XX/XXXX to tell them that I had a job and would call in for the two payments with my first check. On XX/XX/XXXX, as soon as funds for my first paycheck was deposited I called Mr. Cooper to make the two payments. As of XX/XX/XXXX I had not reached 120 days delinquency but they refused to accept my payment and told me my loan had gone into foreclosure. It seemed as though their only concern was making sure they got to foreclose on my home. What type of collection company refuses to take payments? I was been grossly misguided about my options and this is a serious and tragic event. They don't really care about their customers.
Consumer complaint received 2022-10-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX 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 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
Consumer complaint received 2019-07-28
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: EQUIFAX, INC. (NY)

They refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

This is now the THIRD time equifax has violated the FCRA ontop of the breach recently.

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

I had used the app to lock my credit as im a victim or identity theft. I tried to before a loan. Several creditors couldnt pull my report. I contacted equifax over 17 times over 5 days all saying my credit can be pulled but i applied for 5 cards and a car and NONE could get my equifax report. Equifax has consistently showed extreme negligence in handling any issues. 

They also refused to remove identity theft from my report after receiving police reports and identity theft affidavit when the other bureaus did, equifax refused. They also refused to reinvestigate. 
This is now the THIRD time equifax has violated the FCRA ontop of the breach recently. 

This completely shows a constant complete disgregard of the law and gross negligence on a daily basis.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Pursuant to 15 U.S.C. 1681a ( 2 ) ( B ) " any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be excluded from a consumer report.

Under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I use to originate the consumer credit transaction with Capital One Bank. They should all be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ) ( B ).

Once again I do not owe any alleged debt to Capital One Bank and I did NOT give consent to collect, sell or transfer any of this information or alleged debt by me the consumer, a natural person not a corporation. Capital One Bank continues to knowingly and willfully violate my rights as a federally protected consumer. Once again Capital One Bank debt claims are refuted.
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NV)

On XX/XX/2021 I was in La XXXX, CA, and i was shopping and i had dropped my debit card from Direct Express. It had dropped my card either outside of vehicle or in the store because when I was looking for it in my seats of my car I found it and put it in my back pocket. I noticed it was gone out of pocket when I went into atore to purchase something.. I proceeded to pay with cash. This was about XXXX XXXX when the card was missing. I then called Direct Express to get a new card and stop anyone from using it. I then found out that someone used my card at XXXX XXXX on the XXXX of XXXX at a XXXX XXXX and XXXX fraudualetly spending XXXX at XXXX XXXX and XXXX at TXXXX. I filed a dispute with Direct Express to gedt my money back and made a police report and they still denied my claim so I am out of XXXX and XXXX dollars. Thy said that I can not appeal this or have this looked over,. I feel they never looked t it n the first place because its evident that is was fraud. I do have a police report and Im waiting on copy of that
Consumer complaint received 2019-07-28
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: CITIBANK, N.A. (FL)

XXXX XXXX sent an alert that a new " hard '' inquiry was just added to my XXXX credit report from " Cbna '' on XX/XX/2019. This fraudulent inquiry could affect my score. I have not approved this inquiry and it should not be listed on my credit report.
Consumer complaint received 2024-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IA)

In 2017, I left XXXX. In order to keep my phone, I had to pay {$300.00}. I paid in cash and did not keep a paper copy of payment. They were bought by XXXX XXXX XXXX. 2  or 3 years ago a different debt company put the {$300.00} on my credit report. I explained that I paid this already and they removed it. Now that XXXX XXXX XXXX has bought the debt, they have added it to my credit report as collections. I have paid this money. I can not contact XXXX for records because they no linger are a company. When I reach out to XXXX XXXX XXXX  ( who bought XXXX ) they are unable to get the proof of my payment in their records, they tell me they are unable to access the information. I paid this money 7 years ago.