davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I am a current and in good-standing customer with Fifth Third Bank XXXX I received a physical check from my place of work on Friday, XX/XX/XXXX in the amount of $ XXXX. This is a quarterly bonus check that I have received in varying amounts over the past years. 

On Monday, XX/XX/XXXX, I electronically deposited the check via phone with accurate pictures, the correct manually inputted amount, displaying the check 's financial info and fully endorsed with my signature. I received a message that the check would be deposited in a matter of days. 

On Tuesday, XX/XX/XXXX, I received an email at XXXX a.m. stating that the balance of my account was low and that the balance was in the amount of $ XXXX. 

I attempted to log into my account both via app on my phone and computer. I was denied access to my account via phone and when I tried to login via computer it stated that my account user and name and password were invalid. 

At XXXX XXXX. I reached out via phone to customer service. I was then transferred to the fraud department. When speaking with the fraud department I was told that they check I submitted could not be validated and that their system automatically froze my account. In addition to this, they placed a {$500000.00} negative hold on the account which is why the email was generated to me. No fraud alert nor freeze alert text/call had been communicated to me. 

In a separate phone call with Fifth Third 's security dept. I ask the representative how I could remedy the hold as I was unable to access my accounts to pay bills. I had been told that they will require a bank statement from my employer and that I would need to provide the physical check. I believe they told me to bring it into a branch. 

After contacting my company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX department, I have been told that the check issuing XXXX XXXXXXXX, would provide a verification of funds letterhead and verification of the check issued. I have yet to receive this letter of verification ( XX/XX/XXXX at XXXX XXXX. XXXX ). The request for this document was made around ( XX/XX/XXXX at XXXXXXXX XXXX ). 

At the moment, I have 3 accounts with XXXX that are frozen. One personal ( which is the account reflecting the negative balance, one joint-account which I share with my wife ( which she has access to online and is showing a negative {$500000.00} balance, and one loan account which I am currently unable to access. 

I have XXXX access to my account. Have verified my identity and the validity of myself, the deposit, and my accounts, yet I am unable to gain access to my accounts, the funds, nor the service platform. I am unable to pay my bills without access to my only cash account and fear that this could negative impact my financial situation with other lenders.
Consumer complaint received 2023-01-09
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. (PA)

XXXX XXXX  is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as XXXX 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different credit amounts {$3600.00} and {$1800.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2020-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello, I had sent a letter to Transunion regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.
Consumer complaint received 2022-09-11
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. (TX)

On ( XX/XX/2022 XXXX XXXX XXXX ACCOUNT # XXXX ) add a derogatory mark on my credit report per XXXX XXXX upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ACCOUNT # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately. 

There was no written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt, according to the FCRA ( credit bureaus and the court system has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C I681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-08-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I requested kindly that CREDIT ACCEPTANCE CORP provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDIT ACCEPTANCE CORP. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDIT ACCEPTANCE CORP is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with XXXX XXXX. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDIT ACCEPTANCE CORP should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also had a fraud account from CREDIT ACCEPTANCE CORP for account XXXX as I have never had an account of done any business with his company.
Consumer complaint received 2022-09-10
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. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXXXXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: BILL.COM, LLC (NC)

This is a third party company for me to be paid as a 1099 through. I signed up for an account, provided state issued ID as well as the header of my bank statement ( with account & routing number visible ) They said they need to see my actual bank statements- personal transactions that needed to be visible to them. I asked them why and they said it would be " helpful ''. I asked what about my statements would verify my ID since I had already provided a state issued drivers ID, state issued birth certificate, employee issued w2 form, and state issued carry permit, they still denied me and said that for verification purposes I needed to provide my private bank statements. I dont know how else to get paid from the job and I will not be providing my private bank statements. 



****Not that this matters*** they further tried to pressure me by saying they ask this of everyone ( even if they did its a continued invasion of privacy ) however I spoke with several individuals who said they had not been asked to provide private bank statements.
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Web site is broken. Incapable of generating a free credit report. Gives message : " System Error '' ; " We are experiencing technical difficulties. '' See unresolved complaint XXXX and attachments.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

2 Private Student Loans via XXXX XXXX Opened XXXX Joint account with XXXX XXXX XXXX of last full payment : XX/XX/XXXX Issue : CRA state items will remain on report until mid XXXX. 

This is NOT congruent with reporting guidelines. This would be 2 years beyond FCRA guidelines. 

Fall Off Date should be XXXX XXXX. 

This is an easy fix.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IL)

This is a second supplement to XXXX / XXXX. I was attempting to log into my account because apparently they never closed my checking account despite asking. I was attempting to log in to access that account and transfer the money out. 

In the attached screen recording, you will see that they have another " technical issue '' that is not allowing me to reset my password. I understand if American Express also wishes to part ways with me, but I need to be able to access the statements from the card in dispute and the as-of-now still open checking account ( which I was again unaware of ). 

I have tried this in numerous browsers, private windows, and VPNs, so this is not something on my end.
Consumer complaint received 2023-02-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK (SC)

Applied for a mortgage on my investment property at XXXX XXXX XXXX in XXXX XXXX on XX/XX/22 The delays by Civic Financial have resulted in numerous delays and have cost me more than {$6000.00} in fees and interest payments to date.
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.
Consumer complaint received 2023-02-07
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have directed Experian to include a statement of dispute on my credit report twice, in writing, but they have refused to do so. They are now saying that there is not enough information to complete my request, but they are clearly just placing roadblocks in my path to prevent me from communicating directly with potential lenders about Experian 's false claim that I have " insufficient credit history, '' when I have over 30 years of positive credit history. As a US Military Veteran, I am incensed that Experian is deliberately interfering with my rights under the Fair Credit Reporting Act.
Consumer complaint received 2018-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. 
THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) XXXX
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report.
Consumer complaint received 2023-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (OH)

I used Affirm when checking out on a online purchase on XXXX. XXXX mislead me on the product I was purchasing with stock photos. Once i pucrchsse the item I recieved a reciept with a totally different, worn, dirty and abused bag. I immediately contacted the seller who refused to cancel order and told me to resale it on poshmark. I contact XXXX  was told I have no order under my accpunt. I sent them return recipt and no more respinses. I contact affirm. Sent them all pictures of what i purchased. My communication with seller and XXXX  And i sent them a copy of their misrepresentation policy. To no avail. I received a com0uter generated response telling me that i must contact seller. I called them and was told that they dont enterviene with purchasrs. If it's misrepresented. There is nothing they can do. When their website states differently. They do not pay the company untip item is shipped and recieved. They could have contacted the seller and cancel transaction since tge otem has yet to be shipped. They are hel0ing scam companies make revenue off unsuspecting customers that impact ones personal credit if refusrd to pay. They lead you to believe ypu have protection with their company when there is none. They should not be alowed to impact the publics credit wit absolutely zero protection or liability
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

I contacted the debt collector Grant Mercantile Agency to pay off my debt. They gave me an amount of XXXX to pay off. I contacted the original creditor ( XXXX XXXX ) to pay the debt off. They then proceeded to contact the Grant Mercantile Agency and the amount had escalated to XXXX. The shock and the anger of raising my debt XXXX dollars in a span of 20 minutes was insurmountable. I got in touch with the billing director at Grant Mercantile Agency, after weeks of phone tag I finally paid the original amount. However I have not received any written notification nor email that the debt has been resolved. Also it is still reflecting on my credit report. My credit report has been updated twice since XX/XX/XXXX. This whole situation has been truly frustrating.
Consumer complaint received 2023-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (UT)

Someone filed a change of address in my name to an address in XXXX Texas. Some of our utility and credit card bills along with our mortgage statement went to the new address. Using the information in them they applied for, and received, credit cards from US Bank, XXXX  XXXX and XXXX XXXX XXXX. They also applied for a card from XXXX XXXX which I disputed before the card was issued. We have contacted each of the banks involved.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management (MI)

This company PLAZA SERVICES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX Has purchased an account from XXXX XXXX XXXX and reported as in collections on my credit report. Personify partners with XXXX XXXX XXXX  to offer illegal loans. Both companies are not licensed through Michigan Department of Insurance and Financial Services and are not able to loan to Michigan residents. This company is impossible to deal with on the phone. The representatives are very rude and threatens to file a lawsuit, and will disconnect the call. They also contact family members unnecessarily. This debt is not valid. It is also in violation of Michigan Statuary Interest Rate Ceilings. 

XXXX XXXX XXXX XX/XX/1967 XXXX
Consumer complaint received 2015-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (AR)

A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.
Consumer complaint received 2022-04-01
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 account does not belong to me. This account is fraud. Please delete it immediately. I have never even owned an account with XXXX XXXX. I have included my Identity theft report as requested by Equifax on XX/XX/22.
Consumer complaint received 2020-04-27
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)

Transunion is refusing to remove a inaccurate bankruptcy on my report. I have asked for verification etc and they continue to send me an automated email saying that it has been verified. I have contacted the bankruptcy court transunion is saying they verified through and they confirmed that they DO NOT verify bankruptcy and there is no way that the credit reporting Transunion has legally verified this bankruptcy.
Consumer complaint received 2020-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (AL)

I applied and received a loan from Wells Fargo auto ( XXXX XXXX XXXX ) on XX/XX/2020, that included Gap Insurance. Prior to the first payment due on XX/XX/XXXX, I canceled the Gap insurance on XX/XX/202, contacted the dealership, received the cancellation information.. Was told that I would receive a refund of the remainder Gap insurance that had been financed into my loan. I recently transferred the loan to another financial instition and am paying Gap insurance and paying interest on the Gap insurance financed by Wells Fargo. As of today 's date, I have not received the refund or any other information regarding my refund. Contacted XXXX XXXX XXXX Several times by email and phone. Contacted Wells Fargo several times by phone.