davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: FIRST HORIZON BANK (FL)

On XX/XX/2020 XXXXXXXX transferred all of my funds ( Checking & Savings ) to First Horizon Bank as part of a merge. Closures done without my knowledge & consent. After discovering my emptied accounts. I contacted XXXX XXXX gave me a phone number to First Horizon. After an hour on hold I was directed to the web site to access my new accounts. I was not provided with checks & still waiting for checks. Unable to pay bills. 

I live in XXXX XXXX. First Horizon does not nor are they going to open a physical location in the XXXX XXXX XXXX. I have been informed that all new physical First Horizon expansion 's are in the NC & Va. 

Today ( XX/XX/2020 ) I tried to transfer my Saving 's Account monies to new bank. The online cutomer portal would not allow me to access my new bank & account. Again, telephoned Customer Service. On the third attempt ( placed back into general que once, & disconnected from the system once ) I was then told it was impossible to telephone wire from account to account & that I would have to come in to a physical branch. The closest First Horizon Branch is 2.5-3 hour drive from my primary residence.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I was charge a Deposit Item Returned Fee without my knowledge because I tried to cash a check issued by a cashback website. I did not know the check could not be cashed and I am unable to verify if the check is valid before I deposit it. This is the most unreasonable fee I have ever seen
Consumer complaint received 2022-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and 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 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (AZ)

I was looking to pay off my my credit card with Wells Fargo, which was set up to pay for my XXXX and install installation 18 months or so ago. When I looked at the balance I noticed it seemed pretty high through further investigation. I realize a month and a half ago that over {$3600.00} in deferred interest was charged to my account and I only had a {$2400.00} balance alarm by this amount I called to try to rectify this and pay the principal which I had the money to pay. I didnt realize the time frame or the terms were up again I applied for this credit card through XXXX XXXX XXXX XXXX I wasnt sure what the terms were or remembered them. So again I tried to settle they said if I was late or stop making payments they could do XXXX or so percent however, I refused to not be current on my loan so instead they worked the deal out or to give me one percent however, Im still paying {$3600.00} more than what I had on my original statement as of XXXX Which I think is absolute predatory lending in addition they never ever contacted me to at least do a courtesy called to tell me about this or sent me an email to remind me when youre going to charge someone that kind of money I feel like its just an obligation by the company to protect the consumer from these exorbitant prices and fees and interest fees. so now Ill have to pay {$4000.00} more than I would have had I paid the six weeks ago which I did have the money to pay now Ill pay it over the next 15 months again this is absolute predatory lending Im a banker I know if I did this to a customer my phone would be wrong ringing off the hook Please look into this and correct this because this is not a great and to me. Its an evil practice in our community and it just hurts the consumer. Wells Fargo has been doing this type of predatory lending for sometime and needs to be hit again, because they XXXX seem seem not to learn their lesson.
Consumer complaint received 2022-09-16
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These inquiries were fraudulently done and they were not made by me. I need them removed off of my credit ASAP. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT
Consumer complaint received 2022-09-16
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TX)

I made XXXX domestic US WIRE transfer to Coinbase XXXX XX/XX/XXXX for XXXX USD and XX/XX/2024 for XXXX USD Both of them are showing as pending in my Coinbase XXXX since then. Unlike in the past, where WIRE transfers will complete in few hours if done before XXXX PT or after the weekend if made on saturday or sunday. 

Reached out to Coinbase support, and after several days and hours on the calls and back forth emails, they admit that they know of the customers facing XXXX deposit issues. but are unable to fix this issue despite almost ten days have passed to first transaction.

Resolutions Required : 1- One this is not reported on the https : //status.coinbase.com publicly. Where they continue to claim that XXXX deposits are not affected. Thus being hideous of a major incidence as a publicly traded company. 
2- They are unable to provide an SLA XXXX timeline ) for when the issue will be resolved and the deposits will complete and become available.
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I called Capital One to request a replacement credit card as the chip on my card was worn and not reading at all merchants. On XX/XX/XXXX, I called Capital One as I had not received the replacement card and was told, that they had no record of my call. They further explained that whenever a customer calls for any reason and the account is opened, a notation is automatically placed in the file. 
I know for a fact that I placed the call on XX/XX/XXXX but no one seems to consider the possibility that a glitch occurred in their system. Plus, I  did not understand why the customer service agent did not request the card to be sent or made any notes herself in my record. I then spoke with a supervisor Named XXXX who did nothing. I asked for her supervisor and was told, she was as high as I could go. 
After our conversation, I checked my cell phone records and confirmed the 6 minute call to Capital One on XX/XX/XXXX, and the number called. On XX/XX/XXXX, I called again to alter someone to the issue and again, talked with another supervisor XXXX, asked for the phone to corporate to discuss with them and was denied any information. 
I am extremely concerned that Capital One is totally unconcerned about the lack on documentation in their system of my call and request for a new card. How many other calls have not been recorded? What if my card had been sent to an unknown person? This issue needs to be addressed with corporate, to pull the recorded call and discover the reason there is not documentation.
Consumer complaint received 2024-03-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

My PayPal account got permanently limited with my money stuck ( {$130.00} ) inside. I had to wait for 180 days before I could withdraw my money. But after 180 days, around the period of XXXX - XX/XX/2023, I was told that I won't be able to withdraw my money without giving any reason. I have had no chargebacks on any transactions done with them, yet they still hold my money. I have messaged them on several occasions thereafter but they still give me generic responses without any reason and as the last time I messaged them, they have not yet responded to me and they have now blocked me from messaging them any further.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (CA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 XXXX XXXX States I have the right to privacy.

15 USC 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (VT)

I signed up for XXXX premier as my ID was hacked into. I found out I had derogatory reports and have paid them over 3 months ago, some longer ago. I have repeatedly called these companies and the negative reporting has re-appeared. 
# 1. XXXX XXXX out of California bought my Care Credit account from Synchrony Bank I owed them XXXX they tried charging over XXXX XXXX. We agreed upon an amount and I paid it. They agreed to report paid in full with a XXXX  balance. It still shows up on XXXX as owing over {$600.00}! 
# 2. I had an XXXX Credit Card with approximately $ XXXX-XXXX balance. I tried numerous times to call them after getting out of the hospital, as did XXXX XXXX. In XX/XX/XXXX they agreed to accept {$320.00} as a paid in full I tried along with XXXX XXXX to accept this offer and pay them off. XXXX XXXX tried again in XX/XX/XXXX and XX/XX/XXXX. They said they can't talk to us??? We don't understand why it's still being reported and it shows up as {$1000.00}. being owed on my XXXX  report. 
# 3. XXXX XXXX reported I owed a bill to XXXX XXXX XXXX for {$270.00} and {$210.00}. They removed it as XXXX XXXX repeatedly called the hospital to let them know I had insurance that covered the bill and to bill the insurance. They did and removed it from the other credit bureaus but not XXXX! 
I was hospitalized repeatedly from XX/XX/XXXX throught the end of XX/XX/XXXX with XXXX and am now completely XXXX and on XXXX. XXXX XXXX is trying her best to repair my credit but no one is co-operating in removing these from my report even though they were paid or reporting things incorrectly. 
All items on the derogatory report have been paid except XXXX/Synchrony. Who refuse to accept our call or remove the derogatory report. 
XXXX, XXXX is paid as is a negotiated XXXX bill that was charged up by a former girlfriend.
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I opened a car Loan with Capital One Auto Finance on XX/XX/2016. I had some mechanicals problems with the car and took it to the dealership. The car never got out and I got an offer to buy a new car. I did so but this car loans keeps appearing as a charge off. It is being reported incorrectly. This account should be closed and stop affecting my score.
Consumer complaint received 2020-12-04
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. (MS)

I have submitted multiple disputes to this creditor asking for bank statements to show when they did not recieve my payments. I have never been late on my mortgage payment. It has always been paid on time. They have me being late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX. My account is auto draft and the funds were always available
Consumer complaint received 2019-03-09
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)

XXXX XXXX pulled my credit due to being denied a loan XXXX XXXX listed on credit report It says closed XXXX Date reported to who XXXX XXXX XXXX XXXX XXXX XXXX Va unclaimed?? 
But THE PAYMENT HISTORY on my credit report shows some persons used. My XXXX XXXX CARD in XXXX. I was homeless and had no credit cards on my person only my debit bank card from XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX And I had no phone until XXXX approx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : : XXXX XXXX XXXX limit It says payroll deducted I HAVE NEVER AUTHORIZED AN ACCOUNT TO BE PAYROLL DEDUCTED I have asked XXXX for the info on file for my XXXX gon na card NO RESPONSE SINCE XXXX I NEED where the card has last been sent to when the card was documented used Address Phone The payroll deducted account info that XXXX cans bas for my card And the name of company it was being payroll deducted from and their info and BANK ACCOUNT # used to pay for the charges I need this ASAP SO I. Can catch the persons who stole my identity. Since XXXX I have over one million dollars plus missing Unaccounted for Identity theft registered with FTC and confirmed by the office of comptroller for Currency USA I want the credit info as per I have requested numerous times to reciver my identity asap sent to me at only XXXX XXXX XXXX nc XXXX Only XXXX Only My birth XXXX XXXX
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC (TX)

One day XXXX XXXX XXXX had windows to be installed and I had them come to measure my window but the lady that came to measure told me it was possible my XXXX  would cover my window expenses and I told her I would contact my XXXX and told her to put this in hold until I contacted my XXXX  and they said yes it would be covered.The next day I called XXXX and told them to cancel. 
Shortly after I received a statement from the bank Greensky and what happened this company had charged a window using my credit. 
Last week I was checking my credit report with XXXX and the only negative report was because of this company or the bank I dont know and XXXX said it would be on report for seven years, unless they would take it off. 
I am sending you a copy of this transaction.
Consumer complaint received 2020-11-17
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2018-12-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Peak Acceptance, LLC. (TX)

Traded in a XXXX XXXX financed through peak acceptance and purchased a new vehicle financed through XXXX XXXX. XXXX XXXX   paid of remainder of loan to Peak Acceptance but Peak Acceptance failed to process last payment in a excessive amount of time then noted my last payment as 30 days late on 3 credit bureaus.