davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

Between XXXX 2016 and XXXX 2016 Suntrust Bank has charged me more than {$500.00} in overdraft fees caused by their policy of reversing debits to increase the number of fees that they can charge. Some of the debits that they reversed on my account were days old before they reversed them. Some of these charges were less than {$10.00} and incurred charges of {$37.00}.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (OH)

My problem stems from a disputed I filed over season tickets with a local major sports franchise, And was never mailed the questionnaire to continue to dispute was never mailed documentation that the provisional credit was going to be reversed of {$250.00}, and once that happened and I didnt know about it cost me overdraft fees of {$140.00} Which I had to have escalated to another department to try and get back which they finally did, and I stock money in the bank to cover all pending transactions in the reversal of the provisional fee credit. 


I also re-file the dispute, and I wake up today tomorrow overdraft fees from things that just showed on my end that I had covered, and a woman in the escalations department by the name of XXXX XXXX was only concerned with trying to sell me more products. 

I went to the local branch and talk to XXXX XXXX, And explain the situation and what is going on over the last couple days and that I have thousands in another account, which I made a point out dont you think if I knew I didnt have enough money in there I have the funds to cover it like this is XXXX that this keeps happening. 

Can you agreed however he tried to give me the feedback in the system would not let him in restricted him from giving me the feedback I am now refusing to put any more funds in this account because this is XXXX everybody I call nobody seems to care Im gon na try one more time to get this resolved if this doesnt get resolved I am leaving PNC for good and I been banking there for over five years
Consumer complaint received 2017-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Neon Newco Corporation (MD)

Deceptive Practices regarding receiving my direct deposit payroll on my prepaid debit cards My direct deposit 's always post to my accounts every two weeks on a Friday per my alerts from netspend. I have a copy of my job payroll disbursement schedule. My pay was released on XX/XX/XXXX, everyone in my office received their pay on Saturday, XX/XX/XXXX.

Netspend is supposed to give consumers immediate access to their money, ppayroll direct deposit 's once it enter into your accounts. 
NetSpend Corporation promised consumers immediate access to their funds with no holds, no waiting, representations deceptive. 

Immediate access? Not so fast, alleges the FTC. NetSpends ads were replete with claims like No Waiting! and Use your card immediately.

The upshot? People who loaded funds onto NetSpend cards often had to wait and wait and wait to access their own hard-earned money. The FTC says those delays resulted in severe financial hardship to consumers, including evictions, repossessed cars, and late fees on bills. 

NetSpends business practices were at odds with its marketing claims. cards, failed to live up to that promise. Netspend use XXXX to deposit funds into customers accounts. I 've called Netspend 5 times already, XX/XX/XXXX. 

I attached my employer payroll disbursement schedule.
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Commonwealth Financial Systems, Inc. (FL)

I no longer want to dispute this account because I am trying to get my insurance company to pay the bill and was told by XXXX at commonwealth that they will not remove the dispute comment until I pay the account in full. I also can not get XXXX to remove the comment because the creditor placed the comment. There are XXXX accounts that need the comment removed
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Purchased a {$50.00} XXXX XXXX XXXX for a relative on XX/XX/2021, when the relative went to use the card he was told that there was no balance left in the card. He ended up calling the Vanilla card company and was told that the card had been used at a XXXX store in XXXX Texas. The relative lives in XXXX CA. He gave me back the card I ended up giving him the cash and told me him that I deal with Vanilla  company. I contacted the Vanilla card company they sent me an email with information to be completed which I did and sent it back to them via email on XX/XX/2021. I was told that it will take anywhere from 45 to 90 days for resolution. On XXXX XXXX I contact the Vanilla card and was told that it was still under investigation. Every time I call they say to call back in 48 to 72 hours. When I call back they always give me the runaround, I read all the complaints against them and very surprised that his company is not under investigation. Many people have lost their money. I'm a senior citizen and this is money that I don't have.
Consumer complaint received 2021-02-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/XXXX, received a letter from Bank of America XXXX dated XX/XX/XXXX XXXX that my credit line of XXXX was being reduced down to {$500.00} XXXX and XXXX for cash advances XXXX. Their stated reasons : Current or past delinquency on one or more of my accounts Pattern of Payments on one or more of my accounts or affiliates Payments relative to balance on one of more of accounts with BOA or affiliates were too low. 

Upon speaking with them : Determined that there was an outstanding balance of XXXX DOLLARS AND XXXX CENTS over due since XX/XX/XXXX. I indicated to them I never received a bill nor notice of the outstanding balance and they acknowledged that no notice was mailed to me, nor contact made to me about outstanding debt. They indicated that I have paper suppression on my account, which meant that they would not have mailed me a notice, but they also said there would have been no way for me to know without such notice being received. In short, I did not know I owed them less than XXXX dollars. 

I paid the balance and asked that the original limits ( XXXX ) be restored. They told me " nothing could be done '' because there was an outstanding balance of XXXX DOLLARS AND XXXX XXXX CENTS when they conducted the audit. 

I have been with this company for 17 years. I have an EXCELLENT PAYMENT RECORD and EXCELLENT credit rating. The majority of payments I have made in the past have either been in full or paid off completely within a couple of months. 

I believe that the reduction in credit was discriminatory in nature and incorrect. 
I have filed a customer complaint with BOA and also closed my account. 
I would like this matter investigated.
Consumer complaint received 2018-03-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FULTON FINANCIAL CORPORATION (PA)

I didnt give bank the permission option in XXXX XXXX XXXX XXXX. My account is being hit with this fees every day and putting my account way over limits that I cant pay and I have bills myself to pay!!!! 
I have a direct deposit and if dont hit my account before bank does I dont have any money.
Consumer complaint received 2022-01-06
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. (TX)

The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.
Consumer complaint received 2019-05-12
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: LEXISNEXIS (AL)

LexisNexis filed a response to my last dispute stating they have removed a bankruptcy from my credit report. Their response also indicates that it was removed due to exceeding the timeframe for verification. They are refusing to admit that the public information was never verified. I have proof of the continual lies. The bankruptcy is still showing on my credit report even after LexisNexis claimed they removed it. The response from LexisNexis states that bankruptcy is verified with the Pacer system. MORE LIES AND I HAVE PROOF!!! There is no bankruptcy listed under my name in the Pacer system. This bankruptcy should be removed immediately
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (GA)

Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report. 


Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Consumer complaint received 2018-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (MO)

I have been trying to get XXXX XXXX XXXX to respond to my requests to validate the date since XX/XX/XXXX. Here are the many violations : 1. I never received ANY calls from XXXX 2. I never received a Dunning letter 3. I found this account while revieiwing my reports on XXXX XXXX 4. I sent a letter via regular USPS on XX/XX/XXXX asking for verification- no response 5. I disputed with the credit bureaus and they all said the debt was verified.

6. XX/XX/XXXX I sent a certified letter to XXXX trying to info on this account XXXX. NO RESPONSE 7. I sent the no response and proof of delivery to the credit bureaus to get the account removed per the FCRA, they responded the account came back " verified '' 8. I sent certified letter AGAIN to XXXX XX/XX/XXXX XXXX NO RESPONSE 9. I again sent ALL letters with Proof of delivery to XXXX and XXXX on XX/XX/XXXX to remove XXXX because they have not responded. To date, no response 10. the account was never marked " disputed '' on my credit report which is a FDCPA violation.

11. XXXX keeps changing the amount owed that they are submitting to the credit bureau. In XX/XX/XXXX they reported XXXX, today they are reporting {$75.00} and {$370.00} for the EXACT SAME ACCOUNT. This is a clear violation!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within 30days and Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.
Consumer complaint received 2022-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MI)

Arrest mortgage accepted XXXX payments on XX/XX/2022 amounting to {$2300.00} that I erroneously made to them. They sold my mortgage in XXXX and I paid the wrong mortgage company this month. They deny having my money despite my bank providing proof they sent the money electronically.
Consumer complaint received 2019-05-12
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. (MO)

I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since 2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) XXXX XXXX
Consumer complaint received 2017-01-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (KS)

XXXX XXXX XXXX ( XXXX ) has repeated harassed me in an attempt to collect this unproven debt with the above multiple collection agencies beginning around XX/XX/XXXX and most recently in XX/XX/XXXX repeatedly sharing my medical, persona, SSN and contact information. In all cases, the debt claim has shown up on my credit bureau reports and scores damaging my credit possibly increasing my payment or interest rates on financial transactions. I contacted XXXX several times and they have failed to respond to my concerns. I have not been contacted by the the debt collection agencies. The debt has just appeared on my credit report. This is a clear case of debt being sold and resold.
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

My Mortgage company is Ditech. We bought our house XX/XX/XXXX. I wanted to pay my own taxes and insurance, was told I could not. Escrow monthly is {$310.00}, more than enough to cover everything. When the XX/XX/XXXX taxes came due I started getting notices that it had not been paid. Called ditech, said they paid it. VERY LONG story and over 30 hours on my part and now with fall late charges and spring coming due, I finally discovered the problem was they had the wrong Parcel #. Still they would not pay it or change it. They paid on the wrong parcel number ( {$270.00} ) every six months. Guess that low amount compared to what I had in escrow didnt cause any red flags. Finally had to get a lawyer involved even after I sent tons of paper work with the parcel description etc. It was finally paid all at once in XX/XX/XXXX. 
Then they didnt pay my insurance .... another fight insued and I finally got them to pay it one day before cancellation! Then they tried to tell me that my Escrow was doubling because my taxes doubled!!! This was because they paid them both at the same time so somehow that meant in their computer that the taxes doubled. 
Mistakenly I believed all to be fixed as they assured me it had. I did petition to take over Escrow since I had already invested 60hrs of my time to make it happen ... ... Then in XX/XX/XXXX I started getting the letters again that my taxes had not been paid! Then an email that the had in the amount of {$270.00} ... unbelievably to the WRONG parcel number again! I called and Ditech says they have NO RECORD of all the changes etc. He says that the only thing in my file is a request from me to check the parcel number I thought it was wrong ... this was XX/XX/XXXX. NOTHING else in there. Im beyond words.I just get the pat answer and no one can help. the first time around I left over 10 messages for supposed supervisers. NEVER got a call back until my Lawyers letter was received. Of coarse friday no supervisor was available.
Consumer complaint received 2022-01-06
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. (TX)

The Hard inquires attached to the documents are unauthorized and have been furnished to my consumer reports. I have files a report with the FTC and have a identity thief report generated.
Consumer complaint received 2018-01-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I made a wire to Coinbase for US {$3000.00} on XXXX XXXX. Due to a name mismatch with the account I used to wire and my receiving account at Coinbase, Coinbase claims to be unable to credit my account. I have called Coinbase dozens of times and opened numerous cases with their support staff but am generally unable to get though due to " high call volume ''. When I can get through, the staff opens a case and claims they will have a " specialist '' look at it. It has been more than two months and I have not heard anything from anyone.

Based on the lack of an real customer support at Coinbase, I contacted my bank and had them reach out to Coinbase 's bank directly, XXXX XXXX XXXX. XXXX XXXX XXXX has request that XXXX XXXX XXXX reverse this wire 5-6 times but they have yet to even respond to this request. It has been more than two months and neither XXXX XXXX XXXX, nor Coinbase have come back to me with anything.
Consumer complaint received 2024-02-20
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. (CA)

I am a victim of identity theft. I contacted XXXX, XXXX and transunion in regards to fraudulent addresses and accounts on my name. Someone had requested phone services as well as an apartment lease fraudulently in my name. I have contacted the local authorities but the account has yet to be removed I have never lived at XXXX XXXX XXXX XXXX XXXX ca. 

XXXX account XXXX XXXX XXXX {$3200.00} Is also not legally my account. I have contacted multiple sources and nothing has been done.
Consumer complaint received 2022-01-06
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. (NC)

this message is for equifax and XXXX  and XXXX. i want to let them know that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX  showing on my report should deleted. they are being investigated as well. as well as XXXX XXXX XXXX
Consumer complaint received 2019-05-12
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. (MO)

I'm demanding that these major credit companies cease it reporting unknown and unauthorized accounts on my credit file inwhich I have disputed. I'm disputing these accounts cause they are not mines and the fact that I been XXXX since XX/XX/2016. I'm asking for signed contracts and any other physical Verification that you have in support of you and your companies that'll solidify your reportings. In my research it is fact that electronic Verification can not be accepted as any proof. So please provide physical documentation or remove the following accounts immediately. 
1 ) XXXX XXXX XXXX {$290.00} 2 ) XXXX XXXX
Consumer complaint received 2016-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I am selling my house as a " short sale '' and an offer was made on the house in XXXX. However, the financial institution ( Bayview ) has not made a decision to accept the offer. It has been five months and I am in limbo and would like to move forward. Thank you.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a letter in XX/XX/XXXX and XX/XX/XXXX advising that I obtained my credit reports from all 3 credit bureaus Transunion XXXX and XXXX advising that I found inaccurate information on my credit report about my name address, and birthday. I asked that you remove everything that was not listed on the verification documents I sent in which were my Driver 's license, social security card, and a piece of mail that had my current address. All old addresses needed to be deleted as they aren't accurate.