davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (PA)

My BB & T Mobile Banking Application does not populate my correct password into the rectangle, via, XXXX 's, password manager ; and, XXXX 's password manager, does NOT, have an option to change my BB & T Mobile Banking Application 's password they have on file. Fact, BB & T and/or XXXX and/or XXXX XXXX XXXX are at fault. 

XXXX audio conversation dated XX/XX/2021, 1711 hours, parties present, Ms. XXXX and Mr. XXXX. Paraphrased events follow : ( 1 ) Envision in your mind turning on your telephone ; ( 2 ) pressing with your index finger, the BB & T online banking application ; ( 3 ) trying to type in your password ; ( 4 ) then, all the sudden, a rectangle appears on the screen blocking your ability to enter your password in like you always have ; ( 5 ) then, envision the rectangle denotes the BB & T symbol, and, the XXXX Symbol, U and G, respectively ; ( 6 ) you say to yourself, well, I don't feel well, this random rectangular interface has appeared, and I don't know what to do, I just wan na enter in my password like I always have ; ( 7 ) then, you say to yourself, ok, I'll press the auto-fill button, particular to the password ; ( 8 ) then, it fills the rectangle ; ( 9 ) then, it does NOT proceed to the next screen/my accounts ; ( 10 ) then, you say, ok, dah I dunno, I am a XXXX, I will try the " manage passwords '' option logically, instead ; then ( 11 ) you see ZERO options available for review, then you realize, the BB & T password MUST be wrong, because, the telephone did NOT proceed to the next screen, confer clause 9 above ; ( 12 ) then, you call BB & T ; ( 13 ) then, you speak with one Ms. XXXX ; ( 14 ) then, she says, it should work ; ( 15 ) then, you say to yourself, well, I better call the feds, because, I catch people EVERY SINGLE DAY, SAYING ILLOGICAL/UNREAONSBLE STATEMENTS WHEN I CALL THEM AND ASK THEM FOR THEIR HELP, PARTICULARLY, BANKS, COMPANIES, COURTS, ET CERTERA, IT'S A FACT, PAUSE, RED-HANDED.

End of message.

Note : The purpose of this complaint is to alert the authorities that ( a ) I, XXXX XXXX XXXX, am a genuinely nice man, a novice mathematician, and a life-experienced courtier, specifically, sixteen hundred plus hours ( 1600+ ) of superb legal research and subsequent work product, ( b ) a bleeding heart rhetorically, and ( c ) a man who misses his mother and father! Please make sure that ( i ) BB & T Bank modifies my BB & T banking application on my telephone so it interacts with me in a logical manner, and, ( ii ) ditto all other applications indefinitely. Last, genuinely respectfully, thank you for reading my complaint ; please help. 

Note : The BB & T Mobile Banking Application lowers the quality of my life.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

In light of the XXXX hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.
Consumer complaint received 2019-03-04
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. (MD)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Financial Services, Inc. (MS)

XXXX HAS LISTED COLLECTIONS {$1000.00}. XXXX PAID XXXX IN XXXX XXXX. I HAVE NEVER RECEIVED ANY INFORMATION REGARDING THIS ACCOUNT. I PULLED XXXX  AND CLAIMS FROM XXXX WEBSITE AND THE XXXX CLAIMS WERE PAID AT 100 % IN XXXX.
Consumer complaint received 2017-09-12
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. (OH)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2019-03-04
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. (MD)

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (VA)

We sent American Express our Biling Dispute for XXXX domain name registration services, whom I have had an account with since XXXX. 

The charges on my XXXX XXXX that ends in - XXXX inXX/XX/XXXX are absolutely discpouted and I do understand the domain names would also be cancelled. 

XXXX was really awful when I contacted them, saying that I only had 3 days to have the cancels and refund done. And they falsely claimed that they had pre-notified me about the charges for these ( 3 ) :  XXXX.org XXXX.XXXX XXXX.net and cancel the names and Refund the {$180.00}. 

I am really angry with American Express, because they communicated in our statement datedXX/XX/XXXX that they are investigating, on the above and attached documentation, including proof that XXXX did cancel at least 2 of the above domain names after I asked, but refused to refund our Credit Card with American Express! 

2nd- The worst problem of all- AMERICAN EXPRESS DECIDED TO DECLINE COMMUNICATIONS WITH ME, THEIR CARD HOLDER. INSTEAD, THEY TALKED TO XXXX ONLY AND PLAY THEIR FAVOR AND NOT ONLY DECLINE TO PROVIDE ME WITH DOCUMENT ( NOT EVEN A LETTER ) ON WHY THEY COULD NOT ASSIST IN THE LEGIT REFUND OF {$180.00}. THEY ARE VERY SNEAKY AT AMERICAN EXPRESS! 

THEY ADDED IT INTO THE FOLLOWING MONTHS STATEMENT IN XXXX AND THEY ARE VERY DECEITFUL. 

PLEASE FIND OUT WHY AMERICAN EXPRESS WILL NOT ASSIST WITH THE FRAUD AS DESCRIBED ABOVE AND WHY THEY REFUSE TO HONOR OUR CARDMEMBER AGREEMENT. 

Please see 2 docs attached! 

Thanks! 

- XXXX XXXX
Consumer complaint received 2017-09-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: WLCC (HI)

On XX/XX/XXXX WLCC DBA Arrowhead Advance attempted to contact me at XXXX XXXX and XXXX XXXX. These hours are outside the hours highlighted in the FDCPA and are considered to be inconvenient. Furthermore WLCC DBA Arrowhead Advance is well aware of my physical location in the state of Hawaii. This was provided to WLCC DBA Arrowhead Advance both on the Application as well as in a ACH revocation letter. Additionally Arrowhead Advance has my Hawaiian Drivers License Data which again support my claim that I am physically in the State of Hawaii.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I have written over 10 cease & desist to XXXX XXXX. Once I send the letters a month later they send me the same letter with a differ reference #. This has happened more than 3 time. I thought it was illegal to continuing to contact the consumer once the Cease & Desist letters are sent
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX account XXXX is wrongfully reporting on equifax, XXXX and XXXX credit bureaus.XXXX is collector for XXXX XXXX the original creditor.they are collecting or trying to collect XXXX dollars, approximately XXXX dollars in charges appeared after I cancelled for poor service.and switched my phone number and service to XXXX XXXX.
Consumer complaint received 2022-09-08
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: DISCOVER BANK (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I received a text from a friend that I was on a list to receive a grant from the XXXX XXXX XXXXn and he received or said he received money from them. It turns out it wasnt my friend I texted back-and-forth with him and it was not him. XXXX XXXX the grant. XXXX XXXX XXXX XXXX texted me to send {$1000.00} handling fees before I could get the money that was supposed to be delivered from XXXX. Her number is XXXX. I tried to send her {$500.00} and she said it didnt go through but it did. And then I tried to send it to another person named XXXX XXXX XXXX. That was sent from PayPal the other was from XXXX at my XXXX XXXX bank. I called and froze my accounts at XXXX and the other companies. I filed a police report. I got off of PayPal XXXX XXXX  XXXX.
Consumer complaint received 2017-09-12
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)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential I
mpact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America insisted that I make large payments on my credit card during the Era of Bank Aggression which I did. After many payments over the time frame which Bofa set up they claimed that I owed a little more to them as they had miscalculated the payment amount. That amount they turned over to apparently one of their collectors. I agreed to pay the remaining amount. The agency said that after I made all the payments required that I owed, so I agreed to pay which was about {$200.00}. The bank accepted the payment, but they said it did not matter that Bofa had been paid {$30000.00} from me, I was over thirty days late and had not been given an additional bill as I had paid five years and they had gotten all their money. No, Bofa had made an addition error and I NEEDED to pay the remainder which I did. The agency then said that I would be negatively impacted on my credit score for seven years regardless of the mistake of Bofa. I have proof that I tried to correct the error in XXXX. It is still on my report. They have been paid in full, but took to a punitive route after they got XXXX. 
I could not get loans are refi my home or get a car. They still will not remove the negatives.
Consumer complaint received 2019-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (NY)

I had an auto loan from Westlake Financial Services for a car opened on XX/XX/XXXX and closed on XX/XX/XXXX. There was an accident where the car was totaled in XX/XX/XXXX and the other drivers insurance paid for the car in full. Under my XXXX credit report, it states that the account is still open and an incorrect balance of {$5800.00} still due. I've disputed the accuracy several times and each time it comes back completed, no information has changed, and the account remains open with the same balance.
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (CA)

I am corresponding with you to report a flagrant violation of the FDCPA and XXXX by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On XXXX XXXX, XXXX this company received a letter from me where I disputed the accuracy and validity of this account which is the result of the fraudulent activity which has reported on my credit report and asked that they block the account from my credit report. The company has done nothing and in violation of my rights have kept reporting this account as a valid account on my credit report. This company continued to report this account which is a violation of FCRA XXXX.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX Contacted XXXX ( XXXX ) Spoke with a representative by the name of XXXX. I requested a copy of the 1099-C form XXXX filed XXXX the IRS. 

On XX/XX/XXXX an email was sent from XXXX with a copy of the 1098 form, after requesting a copy of the 1099- c form as well.

Not only is this company committing security fraud, but they are committing tax frau das well. 

While I have received the 1098 form via email and mail, I have NOT received the copy of the 1099-C Cancellation of debt form that XXXX filed with the IRS. It is important to rectify this situation promptly to avoid potential tax implications and to ensure accurate reporting on my consumer report. 

If XXXX was able to send the copy of the 1098 form via email and mail, why are are they witholding the copy of the 1099 - C, and why wasn't a copy sent to me as soon as filing with the IRS? I am requesting XXXX to send me the requested documents per my request immediately. 

I am also requesting your company to cease requesting payments on an account that has been canceled debt. It is important to align with the FCRA, and IRS guidelines and accurately reflect the cancellation of debt status to avoid any further confusion or potential legal issues.
Consumer complaint received 2021-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On XX/XX/2021 I received notice by Fifth Third bank that the State of Ohio Department of Taxation obtained an order of garnishment against me in the amount of {$3300.00}. The funds were placed on hold and a check was sent to the Clerk of Courts by Fifth Third bank. I resolved this matter on XX/XX/2021 by paying the amount required to the Ohio Attorney General Collection Enforcement office to have my funds released. I was informed by them that if I made the payment over the phone that my funds would be released within two weeks. 
On XX/XX/2021 check # XXXX in the amount of {$3300.00}, that was sent by Fifth Third bank to the XXXX County Clerk of Courts, was returned to Fifth Third bank uncashed due to an error in filing by Fifth Third bank. 
On XX/XX/2021 my garnishment was released. After several unsuccessful attempts trying to reach the Compliance Department at Fifth Third bank via their customer service number and being transferred, I was given an email address ( XXXX ). On XX/XX/2021, I requested that XXXX from The Ohio Attorney General Collection Enforcement send an email to them requesting release of my funds. He confirmed the email and in addition mailed the release to them at that time. To date I have had no response and my funds have still not been released. The case # is XXXX and the reference # is XXXX.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

I learned about the Equifax security breach on XXXX XXXX 2017 and the details of the scandal imply that my personal information was breached and is now publicly available. I tried using Equifax 's online tool on XXXX XXXX 2017 to see if I was impacted by the breach, and they claimed I was so I signed up for one of their services. However, now there is news surfacing that I am now newly aware of that they are randomly generating answers for people and not giving actual results. This is improper use of my data, and it is terrible that Equifax was not forthcoming with the results of the data breach. My personal credit is at risk and I do not like being in this situation.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

Jefferson capital parked an old debt on my XXXX XXXX credit report showing as new debt when the original creditor removed the debt from my report a year ago because the debt was too old. Jefferson capitol bought the debt and immediately parked the debt as new and never tried to contact me via phone or Mail. XXXX XXXX said they contacted them and took their work for it. The day before I disputed with XXXX and it was removed from my credit report within four hours
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I found out recently that there was a problem with verifying my social security number when I wanted to cosign a XXXX loan for my child. I dealt with the XXXX XXXX XXXX without success. 

After further investigation, I found out that I was reported as being XXXX  on XXXX XXXX, XXXX. 

I am trying to figure out : 1 ) who or which funeral home or which entity reported me as being XXXX over 2 years ago and 2 ) how to rectify this since I am well alive so far. 

Please offer some assistance, guidance on how to handle this issue. Thank you.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (DE)

Hello, On two occasions, JPMC chase bank sent me pre-approval offers for credit cards. I had a car loan with them, and they provided my credit score and credit information through the loan on their credit journey site. Chase denied my credit card application citing a XX/XX/XXXX rule that they do not advertise on the mailers they send or on their website. I had to find it on XXXX XXXX  after they used it against me to deny me credit and drop my credit score. I feel chase uses predatory lending tactics to entice customers to submit applications knowing they will later deny them. Chase bank could see that I did not qualify for theirXX/XX/XXXX rule but still sent two offers in subsequent months, making it appear that they had already vetted my report. I want them to remove the inquiry from XXXX and XXXX. The report they provide through their website is XXXX. 

XXXX XXXX
Consumer complaint received 2017-09-13
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: Experian Information Solutions Inc. (CA)

An account with XXXX Was disputed and XXXX XXXX the account reappeared on my credit report after the dispute, investigation and deletion. Please see the attached documentation with verification of the deleted account XXXX XXXX, XXXX as well as a new credit report for XXXX XXXX, XXXX and the same is account is there. 

thank you
Consumer complaint received 2023-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (OH)

Under the CARES Act, I requested a refund of my student loan payments made during the XXXX pandemic, totaling ~ {$5000.00}, on XXXX. I was initially told that the process could take XXXX weeks during my initial phone call when I submitted the refund request. I called once again for a status update on XXXX and was told by the initial customer service representative that my call will be transferred to a different department, only to be hung up on entirely. I called back minutes later, was again put on hold, and then had my call answered. At this time, I was told that my request could now take up to XXXX weeks to process. At the XXXX mark, which was last Monday XXXX, I called once again for an update. I was now told that my request could take up to XXXX weeks. 

In summation, I get the run-around and bad service each time I call Aidvantage for an update. I'm not sure if my request has even been processed, or when I XXXX receive my refund at this point.