davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (PA)

XXXX XXXX XXXX - In the morning, I received a phone call from the Ally Bank Fraud Service Center ( phone number XXXX ) concerning fraudulent activity on the debit card associated with my checking account. A voicemail was left giving a case number. I attach the voicemail in this complaint. I called back and spoke with a representative who asked if I made a purchase with my debit card in XXXX XXXX, XXXX. I live in XXXX, Pennsylvania and have n't even visited XXXX for about 18 months. Furthermore, my debit card has only even been used for ATM transactions. I told them this transaction was fraudulent and in return I was told that my debit card had been deactivated. I was told to not have any worries even though there was a pending transaction. The representative told me that this transaction would not go through and the funds should be immediately available once then failed pending transaction dropped off. 

XXXX XXXX XXXX - I check my bank account in the morning and find that the pending transaction has now posted. The amount total was {$200.00}. I call back Ally 's Fraud hotline and explain that I 've already talked to a representative about this situation and that the transaction needs to be reversed or at the very least a provisional credit should be placed in the account. I am told by the representative that there is nothing she can do, and that I must wait up to 45 days to have access to my funds. Unsatisfied with this answer, I start a chat with a customer representative and request again that I be given a provisional credit to the account for the funds so that I can pay my bills while they are doing their investigation. I am told, this time, that there is nothing that can be done and that I may get a provisional credit in 10 business days and that the investigation can take up to 90 days to complete. I ask for the issue to be escalated to someone who may be able to provide the provisional credit immediately but am told that I must wait for them to complete an investigation. I have attached to this complaint a transcript of the interaction I had with this representative. After making no progress through this chat I terminated it and proceeded to file this complaint against Ally Bank.
Consumer complaint received 2023-02-14
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00}
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (PA)

On Saturday, XX/XX/XXXX, I submitted an electronic application for a mortgage refinance through XXXX XXXX XXXX in XXXX, NJ. XXXX XXXX, a XXXX XXXX  XXXX at XXXX started the initial processing of our application yesterday, which of course included a credit check. Today, XX/XX/XXXX, within a span of XXXX hours, I received XXXX separate, unsolicited calls from other mortgage providers, as well as unsolicited text messages. I asked a few of them how they got my info and they said it was sent to them by Experian as a result of my credit check. XXXX person called me XXXX times in a row after I answered and forcefully told him to stop calling. He called again and threatened me, saying Experian gave him all my personal info and he would be putting it all over the internet. Within an hour of that call, I got XXXX text messages about alleged purchases that I did not make. XXXX worried that this person was given my social security number, credit card accounts, and home address! Ive reached out to Experian via social media and was asked to contact them via direct message. I did that and received no reply.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have a address XXXX XXXX XXXX thats reported on my credit report that I never lived at that address is on there as a previous address, I will like that to be deleted from my credit report due to a address I was never associated with Thanks
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have try many times to get a hold of the fraud department in this collection. I have never had a credit card with this company before. I have been a Victim of Identity Theft and I'm not getting no were with them.
Consumer complaint received 2015-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (MO)

XXXX XXXX of Allied Intertstate has been calling for XXXX straight business days beginning on XXXX/XXXX/15. I XXXX at a high school and she keeps calling me at the school. I have no outstanding debt. I called her back on XXXX and got her voicemail. I left a message stating that I had no outstanding debt and told her to stop calling. The same thing happened about a year ago. She called my work again today and left another message.
Consumer complaint received 2021-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc (KS)

XXXX XXXX XXXX XXXX believes I owe them medical debt. I assert that I do not and communicated this to XXXX XXXX XXXX. XXXX XXXX hired United Resource System, of XXXX, CO, to collect on its debt. United Resource System never contacted me but simply listed its account on my credit report in violation of the Fair Debt Collection Practices Act. Had they contacted me, as the law requires, I would have formally disputed the debt. I need United Resource Systems to please immediately remove its entry on my credit report and come into compliance with the Fair Debt Collection Practices Act.
Consumer complaint received 2018-06-08
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: CITIBANK, N.A. (CA)

Citibank closed 3 of my credit cards on XX/XX/XXXX, I did not request the closing of any of these cards. 

XXXX XXXX XXXX, Best Buy, and Citi DoubleCash. 

This Complaint is regarding my XXXX I never been late on payments for any of these cards and I always paid them in full, except for Best Buy card that I had purchased products with free interested finance. 

My XXXX XXXX XXXX had about U {$170.00} dollars in cash rewards and they say I won't get it since my account was closed. 


They sent me a letter saying if I want a explanation I should call a number and ask or send a letter. I called the specific number put people cant tell me the reason why my cards got canceled, customer service keeps saying I need to send a letter requesting information. Why does it mention to call the number on the letter if I need to find out the reason why my account was closed? 

I really don't care about the cards cancelation since I have others. What is unfair is that they kept and won't pay for my rewards / cash back. Thats robbery, scam like. 

I cant access my information regarding my rewards online since they don't make it available anymore due the closing. Luckily I requested my last statements where I can see rewards amount. 

I just want what is mine since I earned it using my credit cards.
Consumer complaint received 2018-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX  credit report on XXXX XXXX, 2017 stating that I owe a balance of {$3900.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company
Consumer complaint received 2017-11-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX XXXX XXXX is a debt-buying collection agency currently harassing me about an alleged debt. Their latest tactics include threatening legal action against me, which is a violation of the FDCPA. They have never validated this debt in any way and in no way is my filing a complaint an admission of this alleged debt owed. Since this debt-buying collection agency sent me a document via XXXX XXXX XXXX threatening legal action against me, I can only assume that they are also the same agency that repeatedly calls my home and cell numbers from multiple " spoof '' numbers, documented by my home phone company and wireless phone company.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I've been trying to close my account with Capital One since the middle of XX/XX/2018. The main reason for closing my account is they have closed down all branches and ATM 's within a 30 mile radius of my home/work. There is ONE ATM located approximately 45 minutes away. I have been unable to download the app to my phone, so I have been unable to make any deposits. Therefore deciding to close my account. Cap One refuses to reject transactions from hitting my acct resulting in charging me overdraft fees. XXXX was the only company still able to somehow send charges through to my Cap One account, even though I updated XXXX with my new ( XXXX XXXX ) account and made that account my default/preferred account. I have verified with XXXX  today and the Cap One account has been permanently removed so no more charges will appear. I have called Cap One 4 times since mid XXXX trying to close this account. They said EVEN though I was signed up for overdraft protection ( where they would reject any charges coming into the account when there was a XXXX balance to keep me from having fees ), they couldn't reject these charges because they were ACH, not actual transactions made to the account? I have been on the phone this morning for over 120 mins on HOLD, transferred to THREE different departments JUST trying to make a deposit to my acct over the phone ( The acct that is SUPPOSED to be closed! ) I've had this acct for over 20 years, and they explained that they will not close the account unless I call back within 4 days and the account MUST show a XXXX balance for all 4 days before they will close the account. They have removed 3 overdraft fees for the account since I've been trying to close it, and I was able to make a deposit by phone using my current debit card, but I was rudely reminded that if any more fees hit the account they will be unable to remove them. Today I was on the phone for OVER 2 hours to try to make a deposit by phone so that I wouldn't be charged another OD fee. Their customer service is horrible, almost everyone I spoke to complained that the office was super short staffed and they apologized for the long hold periods. But, anytime in the passed 3 years I've had to call customer service for anything, I've never had a hold time for under an hour. They need to work on their account closing procedures to better protect and handle their customers.
Consumer complaint received 2017-11-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (NC)

I have been a Wells Fargo member since XX/XX/XXXX and decided to take out a personal loan in XX/XX/XXXX. In XX/XX/XXXX I had some family issues, lost a job and another major hardship that affected my liquidity, as a result I reached out to Wells Fargo to work something out with my payments. The first representative stated there was no such service and I attempted to call at least two other times to ask for some lenience given my time with Wells Fargo and previous record of being a good customer. My attempts were to no avail, I had three extremely hard months and as a result I have late marks XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Recently I reached out again requesting consideration for removal given I went through extreme hardships and am now looking to apply for a mortgage. I would like to share my journey with other consumers who are considering a relationship with Wells Fargo. I found it to be a great bank in terms of offerings when things are good, but completely lacking in support when it was most needed. I also bank with XXXX XXXX and XXXX XXXX - both of which were more than happy to work with my situation at that time. After my hardship I successfully paid each month for the remaining year on my Wells Fargo account without issue, I was genuinely in need of assistance for a small period due to occurrences beyond my personal control.
Consumer complaint received 2020-05-05
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

Acct number XXXX XXXX XXXX Usaa Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX They robbed me charging me the full amount of insurance owed as if I should pay the full amount for the months ahead after I stopped paying them for the service. I should not be accountable for future insurance service that has been canceled. I want the debt exponged and paid in full receipt
Consumer complaint received 2017-11-30
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. (FL)

Transunion and XXXX have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there information.
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXXs in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XX/XX/XXXXXXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. Transunion and XXXX  have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BB&T CORPORATION (FL)

It seem like BB & T use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 
15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. In order for a claim to be valid there must be a contract in place to show there was an offer made, mutual acceptance, terms and conditions, consideration and 2 wet ink signatures signed by both parties. If there was proof of any debt, according to the rules and regulations of the state, there should be a public record on file with the secretary of state. They send me a copy contract. I want to see original copy of contract. 
It feel like BB & T being discriminate against me because I am XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft.peak acceptance Account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX. I also have inquiries that isnt mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX some accounts are more then XXXX XXXX XXXX. 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ASTA FUNDING INC. (FL)

Good afternoon, This a formal complaint agains Asta Funding Inc Located at XXXX XXXX XXXX XXXX NJ XXXX This company has been reporting incorrect information on my credit report I have reached out to them but nothing has been done the have reported incorrect balance to my report multiple time which has cost me the loss of me being able to close on a home purchase because of there mistakes. Credit report should reported every month correctly.
Consumer complaint received 2022-03-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I tried to open both checking and saving account with Citizen Bank. A week later, I received debit card with PIN number in separate mail. However, I am ending with that I couldnt activate my account anymore. Then, I received a letter from citizen bank that saying they are going to close both of my accounts and they will no longer maintain banking relationship with me. I have no clue what is going on. And I have very good record with banking system.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (OH)

I have an account with Marcus Goldman Sachs. I tried to process a transfer on XX/XX/XXXX from a Marcus Savings account to a XXXX XXXX XXXX account. They deposited two small amounts to my XXXX account as a confirmation of the external link between the banks. A few days later they informed that I could not deposit funds in that account and asked if they should cancel the transfer. I said yes. A week later I was still seeing the transfer was pending. I contacted them again and they said that they decided they could deposit to the account. Nobody told me. So all three parties got on a call and they confirmed my account and told me the transfer was being processed. I checked several days later and still nothing. I called back yet again and they could not explain what was going on but I am still unable to transfer the funds to any of my accounts. I told them to cancel the transfer and to close my account. They asked funny enough which account I wanted the funds transferred to. I selected a different account and they told me it would take one day. I called back today as I still do not see any activity pending on my other account. Now they are telling me it will be three days more. I have no confidence I am ever going to see this money.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As I have not heard back from you in over 30 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2021 ... proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.