davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: GreenSky, LLC (MA)

MY COMPLAINT IS WITH GREENSKY ONLY, PLEASE DO NOT CONTACT THE OTHER ENTITIES I opened an account with Greensky to finance a new roof on the house through XXXX XXXX XXXX  XXXX. The roof they did was not done properly and i put a freeze to prevent the merchant of putting a the final payment charge on my account, however what i didn't know was the charge already happened and had not posted yet. The charge went through and i was livid. The contractor did not finish the job properly. The contractor eventually refunded the final payment in the amount of {$3600.00}, and that charge is going to wind up in court. The initial payment was the down payment for the job was charged to me at {$1800.00}. 

However that charge of {$3600.00} was fraudulently charged. The fact that it was refunded, does not make it right and I want documentation on what happened. 

Greensky requires the contractor to get authorization from the borrower before any charge is processed. I never gave my authorization to the contractor. There was no communication that authorized the final payment, because at that time, I made it clear that elements in the home improvement contract was not complete. Additionally the building inspector has furnished a letter stating the roof is not built to code. 

Per Greensky, an electronic signature was put in under my name authorizing the final payment/transaction. I have demanded whatever documentation they have on that transaction, and they have refused. I want whatever documentation there is in relation to the charge itself. I want to data entered into the terminal, app, or system, a copy of my signature, or whatever box was checked showing my agreement to that charge. 

Greensky openly acknowledges that it is a technology company and not a financial instituion. My loan is through XXXX XXXX, XXXX XXXX refuses to talk to me because I do not have the bank account information due to a Greensky " error ''. Greensky refuses to give me my bank info so I can complain to the bank itself and not Greensky who is not bound by consumer protection laws in regards to finance. I demand my bank account so when I say the word " Fraud '', it is to a bank and not a technology company, and that action will be taken.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: FC HoldCo LLC (CA)

Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We  submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.
Consumer complaint received 2020-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

Credence Resource Management -- XXXX XXXX XXXX XXXX, XXXX TX XXXX Collection Agency. Reported to Credit Score co for {$1700.00} with original creditor XXXX XXXX. 

Spoke with collection agency over phone when they called. Explained that they had the WRONG PERSON! That I did not even live at the place where the bill was charged. 

But they still reported to 2 of the 3 credit score companies causing over XXXX pointsDROP in my XXXX  score. Just as I am about to make purchase a housing causing me to stop! 

I don't know what else I could have done. IT IS OUTRIGHT ABUSE of this collection agency. They reported me only because I have similar name and was coming after me for collection. t seem VERY ILLEGAL for them to do that and RUIN MY CREDIT SCORE which was above XXXX points for YEARS! NOW it came down to XXXX 's. Please INVESTIGATE! My name is XXXX XXXX, XXXX.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

I opened a Citibank checking account with a promotion to receive XXXX XXXX advantage points.The promotion stated I had to spend {$1000.00} and pay a bill monthly for 3 months. The period began XX/XX/XXXX. I used my debit card to pay a bill of {$1000.00} and paid my XXXX online streaming account for more than 3 mos. On, XX/XX/2020 I recieved a notice that I had not fulfilled the requirements. I called Citibank and after being forward to three different agents, I spoke to XXXX who informed me that I had not fulfilled the bill payment requirement. I told her I fulfilled the requirement by paying my XXXX bill monthly over 3 months. 
Citibank should give me what was agreed upon and promised. The program seems to be some kind of flim flam trick to get one to open an account then deny one the offer promised through trickery and confusion. Im surprised a well known reputable bank would resort to offering an offer purposely deceitful and should be illegal if not fulfilled. The offer was to give me XXXX XXXX XXXX miles to my Advantage Account
Consumer complaint received 2023-03-24
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX, USDOEXXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (MA)

I sent a payment on XX/XX/23 and the app does not include a transaction date. It only has given the following : Today, Yesterday, and Saturday. 

I did the online chat and was told I can find the statement under documents in the app however the statements are issued 6 days after the end of the month. My follow up question was not answered. The app provides no phone or email contact information. 

I would like a transaction date so I can submit a claim to my insurance for services rendered.
Consumer complaint received 2020-07-23
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: EQUIFAX, INC. (IL)

XXXX XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-23
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. (IL)

XXXX  XXXX XXXX  XXXX XXXX University XXXX XXXX  XXXX university XXXX XXXX us department of edu us dept of education and address are not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (FL)

I signed up for a Wells Fargo Cash Wise Visa Card. I did not receive the {$200.00} cash rewards bonus after spending {$1000.00} in first 3 months
Consumer complaint received 2017-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (OH)

XXXX Checking account charged {$590.00}. 

XXXX I reported fraud to Simple Bank who locked and sent Wife a new debit card. 

XXXX Simple Bank contacted about case for {$590.00} was closed and the charged dropped off account. 

XXXX Wife replied to Simple Bank stating that the charge was for {$590.00} rather than {$590.00} XXXX Simple Bank contacted Wife and I via support message and said charge force posted after falling off. Said the dispute team would reach out via support message with any additional updates. 

XXXX I called Simple for update but was told that it was being looked into. I asked about XXXX 0 % liability guarantee but was Simple Bank rep said I was going to have to wait for investigation. I asked for a phone number to contact the fraud investigation department but was told support message was the only way to contact. Account is still missing {$590.00} which I am supposed to not be liable for.
Consumer complaint received 2021-11-02
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. (MD)

I have been writing letters to the credit bureaus asking them to remove the inaccurate late payment information from my credit report. After 2 attempts to get them to update the information, Experian is still reporting it incorrectly.
Consumer complaint received 2020-11-03
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)

I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

I was noticed that a new checking account was opened with the bank I currently use. I received a new debit card in the mail, to my current address, but not the address that I have on my account. I spoke with my bank and reported the fraud, but I am now unsure how they have obtained my information.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-04-09
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX I was charged XXXX from XXXX XXXX XXXX XXXX XXXX XX/XX/03 XXXX XXXX XXXX XXXX! This was a stop in XXXX at a souvenir store from our tour guide. Upon buying ( two XXXX, two XXXX XXXX and a XXXX ). I thought my total was around XXXX XXXX XXXX. Comes two day later I had an extreme charge of over {$900.00} USD from my bank account. I immediately contacted Chase told them what happened : even told them had a witnessed that double checked the amount was corrected. I guess the souvenir shop decided to add a 0 prior do check out, all of it was very sketchy.

Unfortunately the bank declined my dispute and I'm sure I'm nothing more than a number to them so clearly they choose the easy route. I have never done this before as I didn't even know there's was a protection bureau. I'm simply asking you for your help as I will never bank with chase again.
Consumer complaint received 2021-04-09
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: Screening Reports Inc. (DE)

This company is reporting false information and preventing me from moving into my place. They have on a screening that I was evicted but I never was evicted and I live in my place that they are reporting. Also they are reporting an andrews account that doesnt belong to me and since Im going to my lawyer because this is becoming overwhelming and it was removed and then re appeared. This is not my collection and for three years I have been fighting. This is not.
Consumer complaint received 2020-11-03
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: EQUIFAX, INC. (CA)

I sent a letter to all three credit bureaus asking them to verify the accuracy of an account that is reporting on my credit report. I sent that letter on XX/XX/2020 and have not heard anything back. I am sending them another letter addressing the fact that they havent gotten this investigation completed in a timely manner which I believe is 30 days. 

What is reporting on my credit report is actually hindering my ability to be approved for a place to live and thus it is really crucial that this situation is resolved.
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed a dispute regarding the validity of items on my credit repair. It has been 30 days and I have not heard anything back from the agencies or received a letter is in the mail. The original dispute was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2021-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I regularly bank at the Bank of America, XXXX XXXX XXXX, XXXX, NJ XXXX. These are my observations : One, signatures are not checked against bank records. Signatures are thus easily forged! 

Two, no identification is requested. I am reacquired to use my debit card and place it into a filthy dirty device that is never cleaned after each customer 's use. We do have the novel coronavirus but apparently BAC either doesn't know or could care less! 

Three, but identification cards cab stolen and with it the pin whatever it is called! The teller never asks for identification when the customer uses that device or whatever it is called! 

Four, there are security guards at all anywhere in the bank! 

In short, the tellers act like automatons. That is, they demand use of that device and that's that! Period! 

Very sloppy and incompetent banking by BAC! 

I know the customer relations people at the BAC will come up with some folderol about just how great and brilliant BAC is! And they'll take their good time, after consulting BAC 's armies of lawyers, before they answer me! 

Most untrustworthy!
Consumer complaint received 2023-01-30
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. (PA)

In accordance with 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. 

Account name : XXXX, Account name : XXXXXXXXXXXXXXXXXX, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

For almost 1 year I have been charged with interest on a credit card that I paid the balance on. I paid the statement balance due on XX/XX/21 and a few days later, was charged an interest fee. I was told that the interest had not yet been added to the bill. Since I was under the impression I had paid the balance in full, I started getting late fee charges added to the account. Again, I paid the new balance of interest charges and the late fees on XX/XX/21. Yet again, I thought I was current on the payment, and again was charged interest fees after making the total payment. After dealing with this issue again, I paid another fee and asked the representative to close my account, and she assured me that once I made this last payment on interest fees and late payments that I would be done with the payment. Now, my account is closed and they are once again trying to collect payments on interest charges that were charged after the representative assured me that it was taken care of. I was told that now that my account is closed, nothing can be corrected. I just have to pay the {$14.00}. XXXX which is not a lot of money ; however, I've been charged for these interest fees for no reason and I keep having to make payments on a card that I paid the balance on almost a year ago. I have several credit cards and I've never had an issue like this whenever I've paid off those accounts. This isn't fair and I don't think it is right for Victoria Secret to continuously charge me for a card that I've already paid in full and closed the account.
Consumer complaint received 2021-04-09
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. (DE)

This company is reporting false information and preventing me from moving into my place. They have on a screening that I was evicted but I never was evicted and I live in my place that they are reporting. Also they are reporting an andrews account that doesnt belong to me and since Im going to my lawyer because this is becoming overwhelming and it was removed and then re appeared. This is not my collection and for three years I have been fighting. This is not.
Consumer complaint received 2020-07-23
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Complaint against Suntrust for denial of Loan Application : On XX/XX/2020, my husband and I was denied a home equity line of credit. The reason for the denial stated we did not have enough equity in our home. At the time my credit score was XXXX per the denial letter received from Suntrust and my husband 's score was in the very high 600 range. We have banked with Suntrust for over 15-20 years, our combined checking/saving balance at the time was over {$22000.00}. We maintain a monthly average balance between {$17000.00} - {$25000.00} between both accounts. 

As a real estate professional for 21 years. I was puzzled because of the denial, especially since the bank did not do an appraisal and when I called to request a reason for the denial the customer service representative was very vague and offered no answers based on what the denial letter said. 

As for the appraisal, if the bank had in fact did an appraisal for our home and the surrounding homes, Suntrust would have learned that our home value was far beyond the amount that my husband and I was looking to borrower. Surprisingly, I will admit Suntrust blatantly refused to approved our equity home loan, due to other conditions that did not involve our high credit scores, our on time payments history or our stable income. I believe without a doubt we were denied because of our race and the location of home.