davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-05
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. (WA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states that I have the right to privacy. Also 15 USC 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 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 2024-02-08
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. (LA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Collection Services, Inc. (MD)

This account with XXXX was closed XX/XX/2017 and charge-off as a bad debt, after 3yrs. a company called CBCS acct # ending in XXXX trying to collect this debt, this, wrong according to federal law.
Consumer complaint received 2020-10-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV IS A DEBT BUYER THAT HAS DAMAGED MY CREDIT WORTHINESS THROUGH IMPERMISSIBLE PULLS BASED ON THE ASSUMPTION THAT THEY ARE CREDITORS AND ARE NOT. IN VIOLATION OF THE FCRA AND FDCPA THEY ARE USING FRAUDS AND SWINDLES THROUGH IDENTITY THEFT AND CONSUMER FRAUD TO ENRICH THEMSELVES UNJUSTLY AT MY EXPENSE. I ASKED THEM TO SHOW THE VALIDITY OF THEIR CLAIM AND THEY HAVE REFUSED TO DO SO AND SO ARE PERSISTENT IN THEIR FRAUD.
Consumer complaint received 2017-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (OH)

The last call took place on Thursday XX/XX/17 but they call at least once per week. The company is listed as EOS CCA ( https : //www.eos-cca.com/ ) and their phone number is listed as XXXX. I am not sure what they are calling about as they call during the day when no one is home. I had planned on reaching out to them on Monday ( XX/XX/17 ) to find out what is going on as we should not have any debt remaining. After XXXX their number, I found out several sites that mention them as scam callers. I would just like to get this matter resolved. Please advise.
Consumer complaint received 2016-10-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SUNTRUST BANKS, INC. (TN)

I received an unsolicited, unauthorized and unwanted XXXX XXXX from Sun Trust. I phoned Sun Trust, spoke with XXXX XXXX who said she wanted to verify my complaint and would call me back. In the meantime, my grandson also received an unsolicited, unauthorized and unwanted XXXX XXXX. I phoned XXXX who said my complaints were " going up the ladder ''. After two months without hearing from XXXX, I phoned her to check the status. She said she would check again and get back to me. Not hearing from her, I called back. No answer, so I left a message requesting her to call me. Nothing! I tried many times to contact her with the same result. She would not answer my calls. I have the XXXX XXXX that were sent to me and grandson and both were ready to be used!
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a fee free account with Suntrust bank. Suntrust and BB & T are now part of TRUIST. 
I just discovered that my account has been being charged a monthly fee of {$20.00} per month that the balance dips below {$3000.00}. 

I have never signed up for this, nor approved such a thing. Additionally, i have never been told of such fees. 

In my opinion this is simple theft. I know my amount is small compared to other complaints, but i need my money as much as anyone else. How many people could this be happening to?
Consumer complaint received 2021-07-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2018-06-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

Account Name : JPMCB CARD Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5700.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A. (VA)

I opened a credit Card account with Best Buy. I was unaware that I was enrolled into debt protection for the last 10 years. Citi Bank currently works with best Buy and has been charging me for Debt Protection. I was completely unaware of this until now. I requested them to refund me a portion of the charges and they refused. There are months where I paid more than {$11.00}. I believe they charged few at least {$500.00} in the last 10 years.
Consumer complaint received 2018-06-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late XXXX XXXX XXXX Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-06-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: POPULAR BANK (NY)

I recently opened the online savings account with XXXX XXXX. They were not allowing me to move my money out of the savings account, holding my fund hostage. I then spoke to the representative, who said that it is the customary protocol and the 60 days hold will be lifted when I submit the bank statement verifying the source of the fund is mine. After sending over the paperwork for more than 4 days, I did not get an automatic call back. I then called the company again and the representative mentioned that the company 's fraud department determined that there is red flags exist in my account, and yet no mentioning of what the red flag is, and I have no phone number to appeal and no supervisor is willing to explain to me the problem. Placing a 60 days restrictive hold is unreasonable and unheard of and basically for me to lend the company free money for the 60 days. I would like to agency to investigate this practice as I am in dire need of using the money and I only came across this hold after my money is transferred to the bank account.
Consumer complaint received 2022-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Paypal Holdings, Inc (MD)

XXXX has illegal reinserted debt that was disputed as fraudulent not belonging to the consumer. XXXX violated the FCRA by refusing to notify the consumer prior to reinserting disputed debt. I disputed an PayPal account as fraudulent not belonging to the consumer several complaints were filed with CFPB in regards to this Paypal account is was removed from the credit report. PayPal apparently sold the disputed debt to XXXX Bank with full knowledge this debt was disputed as fraudulent not belonging to consumer then XXXX reinserted the dispute debt on the consumers credit report. I contacted XXXX bank on numerous occasions and asked for verification of said debt and request line item account of how this debt was calculated and proof goods or service were obtained by consumer. XXXX Bank has refused to provide receipts and proof of purchase showing consumer obtained said goods and services and refused to verify how this debt was accumulated in direct violation of the FCRA. I want CFPB to investigate this practice of selling fraudulent debt after the consumer disputed and it was remove from said report and XXXX illegal practice of reinserting disputed debt in direct volition of the FCRA. I also want XXXX Bank investigated for refusing to provide the consumer with proof said debt belongs to consumer and a line item calculation showing how this amount was calculated. I want the CFPB to enact or enforce laws that prevent creditor and credit bureaus from this abusive practice of refusing to show consumer receipts and proof of purchases and re-selling of fraudulent debt that was disputed and removed from the consumer credit reports.
Consumer complaint received 2017-11-18
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. (MO)

The following ALLEGATIONS of inquiries is NOT reporting COMPLIANTLY due to one of the following reasons : The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PURPOSE from the EXACTLY IDENTIFIED ME or from any entity PROVEN to have the AUTHORITY to grant such PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE INCORRECT INCOMPLETE UNTIMELY NOT PROVEN MINE NOT PROVEN of MY RESPONSIBILITY or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said it is clear you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information regardless if true or not. PROOF OF COMPLIANCE is NOT VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. Return to federally required compliance and accurate reporting TODAY even RIGHT NOW!
Consumer complaint received 2022-09-10
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 act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with TransUnion and XXXX  they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either TransUnion or XXXX
Consumer complaint received 2017-11-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc. (VA)

On XX/XX/XXXX I received a letter from EOS CCA about a debt originally owed to XXXX and then sold to XXXX XXXX XXXX XXXX and placed with EOS CCA. EOS CCA sent a letter on XX/XX/XXXX about the debt and I replied on XX/XX/XXXX asking the company to verify the debt. It is XX/XX/XXXX and EOS failed to validate the debt, but they did not hesitate to update the debt to my credit reports on XX/XX/XXXX within the time I requested debt validation, a clear violation of the FBCPA.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  XXXXXXXX XXXX received all my demand-letters since 2018  along with my lawyer 's letters to fix their fraud and inaccurate information. I never validated the debt, however the bank illegally and without my consent, knowledge and permission validated the debt that was in dispute. See attached letter. Stop covering up this monster bank and act in a good faith, unbiased and fair, not racially motivated. Your agency received in the past my complaint, however kept a blind eye over the XXXX  XXXX XXXX 's violations in my case. Be so kind to review alarming negative records of federal penalties against the XXXX  XXXX XXXX, that raises a red flag. All my communications with the Bank have been witnessed and video recorded. The Bank habitual liars promised several times to reverse their negative reporting and delet that from my credit reports. See attached is my lawyer 's letter. The Bank sent me a letter and I provided with a burden of proof.
Consumer complaint received 2018-06-08
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 — Investigation took more than 30 days
Company: PENNYMAC LOAN SERVICES, LLC. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - XX/XX/XXXX - 60, 60, 30 days late XX/XX/XXXX - XX/XX/XXXX - 4x 30 days, 1x 60 days late PENNYMAC LOAN SERVIC Acct # : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their seizure. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in XXXX ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.
Consumer complaint received 2018-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (HI)

EOS CCA / XXXX XXXX XXXX XXXX  has been sending me collection letters for around a year now alleging I owe them {$810.00}. I have sent them numerous letters requesting validation / verification of this supposed debt, starting XX/XX/XXXX up to XX/XX/XXXX. All my written requests sent to them were sent via certified mail with the USPS and I've verified delivery of each letter to them. They are also continually reporting this debt to the credit reporting reporting agencies against me, even though I've clearly disputed it with them. They have ignored every request for validation / verification I've sent thus far.
Consumer complaint received 2016-07-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (GA)

I applied for a loan modification and was denied. However, Suntrust offered me the option for a conditional short sale. I have met all of the conditions requested, and have repeatedly sent in items that they have re-requested. During this time, they have refused to make a decision and have repeatedly tried to get a decision from the bank based on the completion of the short sale package. My realtor has exhausted all their efforts to get us to closing on time. However, Suntrust has yet to make a decision or even get to the decision making process.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

signed up for Chase XXXX XXXX card. They had XXXX reward point promotion if $ XXXX spent in 90 days. As I went to make the final purchase a few days before the deadline, their fraud system flagged a purchase attempt and the card was locked for several days until they responded to my inquiry. After that, the deadline had passed and after multiple requests, they will not honor the promotion.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company, INC (CO)

CREDIT SVC CO Last reported XX/XX/2021 {$13000.00} Open balance XXXX XXXX XXXX Original creditor Original balance was XXXX. They are charging interest on this debt that is invalid. 

According to the " employment agreement '' that was signed I would only be charged if I terminated my employment within the first 2 years of employment at XXXX XXXX XXXX. I had already worked there for 3 years when the contract was signed. The agreement did not state that my time of employment would start with the signing of the agreement. The agreement also stated that I would be given skills that I did not previously have. I did not obtain one new skill that was not previously possessed. In fact since I had already been employed there my preceptor told me I knew what I was doing and to get her if I had any issues. This was not a full training as I was supposed to receive. These areas invalidate the agreement. 


Attached is a copy of the employment agreement that I made before signing. Also included is a copy of my scheduled work dates from my start of employment to my termination. This proves that I worked there for more than three years, invalidating the agreement requirement of remaining employed for 2 years.
Consumer complaint received 2017-11-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WI)

I HAVE BEEN SUBMITTING THE SAME HANDFUL OF CLAIMS TO MY BANK, Wells Fargo SINCE THE END OF XX/XX/XXXX, THERE ARE A FEW TRANSACTIONS BUT THE ONE THAT STICKS OUT THAT I ORIGINALLY CALLED FOR WAS FOR A BUNCH OF ATM WITHDRAWALS FROM MY SAVINGS ACCOUNT AT 3 GAS STATIONS OWNED BY THE SAME PEOPLE, THEY ARE ALL THE XXXX XXXX AND THEY WERE ALL ON XXXX XXXX XXXX. I DID N'T DO THIS, I DID N'T TELL ANYONE I KNOW TO DO IT, I DID N'T TELL ANYONE MY PIN. THERE WERE OTHER TRANSACTION IN MY CHECKING TOO. I WAS AT THE TIME IN PROTECTIVE CUSTODY BC I WAS IN AN UNSAFE POSITION AND I NEEDED TO BE PROTECTED. I HAVE XXXX, XXXX, XXXX AND XXXX. WHILE THIS WAS GOING ON I WAS LIKE I SAID GOING THROUGH SOME OF THE WORST TIMES IN MY LIFE. OVER THE NEXT FEW MONTHS IVE BEEN HUNG UP ON, THREATEN, BEEN LIED TO, BEEN GIVEN INCORRECT INFORMATION AS IT PERTAINS TO MY CLAIM, ON MULTIPLE ACCOUNTS, IVE BEEN TAUNTED, DISRESPECTED, TALKED DOWN TO, ACCUSED OF THINGS, ACCUSED OF LYING, YELLED AT, TALKED TO LIEK A CHILD, BEEN TRANSFER TO PEOPLE THAT WERE NOT WHO I WAS SUPPOSED OT BE OR EVEN NOT THE RIGHT DEPARTMENT, IVE HAD MORE ABUSE BY STRANGERS WHO ARE SUPPOSED TO HELP ME AT THIS BANK DEALING WITH THIS THAN I HAVE HAD IN MY WHOLE LIFE. IVE BEEN PROMISED SO MANY THINGS BY PEOPLE TRYING TO HELP AND NEVER ONCE HAS IT HAPPENED, I AM STILL OWED AT LEAST XXXX AND THEY KEEP DENING MY CLAIM BC I CAN NOT SAY FOR SURE THAT I DIDINT AUTHORIZE EVERY SINGLE TRANSACTIONS ROUND THAT ETIME BC ITS BEEN 4 MONTHS AND THEY WERE ALL DONE OVER THE WEEKEND.
Consumer complaint received 2016-01-22
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account, I feel I have been treated deceptively and dishonestly.