davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Total Card, Inc. (FL)

On XX/XX/2020, I applied for a credit line increase with Total Bank Credit Card. I received correspondence through the messenger service from Total Bank, where they requested my tax records to support the income I was stating I made. ( The letter is attached to this complaint ) I sent the required information, and several days later, they called me to tell me they received the document, then they stated I had to unlock my XXXX  credit report to view my credit file, and I explained that it was not locked. The representative insisted that it was, and I then checked and confirmed it wasn't. After several minutes of explaining the information about my credit file not being locked, she stated that it was my XXXX XXXX credit file. I then told her the representative that I do not have a credit file with XXXX XXXX ; however, they are accessible to make a soft inquiry with XXXX  and Equifax. The representative then stated I was interfering with the process to give me a credit line increase, mind you this was not mentioned in the attached correspondence from them initially. The comment was outrageous. Total Bank is one of the most questionable financial institution I ever dealt with. I have been an excellent paying client ; however, this is not a customer service friendly financial institution, but more so, a company more interested in creating fees as well as inconveniences for it's the consumer. 
This attempt to have a credit line increase showed me this bank again has some questionable practices, since becoming a customer, I seem to have misunderstood many things. Troubling on so many levels
Consumer complaint received 2020-07-14
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank (IL)

I called First Progress on XX/XX/2020 to confirm that I didnt have a payment due.I noticed the amount due changed right before the due date. The representative, who didnt give his name, stated that I didnt have a payment due the next day. On XX/XX/2020, I checked my account and noticed I was charged a {$2.00} interest fee. I have been calling them for the past two days and NO ONE will answer.
Consumer complaint received 2021-02-27
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. (NC)

This is a complaint that is due to an unresolved issue with Trans Union reporting a closed account from XXXX XXXX XXXX a.k.a. XXXX XXXX with 6 late payments reported XXXX and XX/XX/XXXX and XXXX, XXXX, XXXX, and XXXX being reported as 60 days, 90 days, and 120 days Past Due. I filed an initial dispute with CFPB in XX/XX/XXXX and the issue of correcting my account with XXXX XXXX was resolved. My complaint was sent to the FDIC who replied an insert and statement from XXXX XXXX bank stating that they will remove all fees created by an annual fee on an account that I requested to be closed. The letter states that XXXX XXXX will update the trade line with all credit bureaus to reflect no late payments and closed by consumer. XXXX and XXXX have updated the tradeline to remove the late payments in XX/XX/XXXX. I filed a dispute with TransUnion due to their refusal to update the account as positive. The dispute was closed as Verified until I filed a subsequent dispute including the final bill from XXXX XXXX showing removal of late fees and all charges. I also included the letter from the FDIC with the agreement to correct the account by XXXX XXXX. 

Trans Union supervisor on XX/XX/XXXX stated that they can not accept a letter from the FDIC nor the final statement from XXXX XXXX and that they need a written statement on XXXX XXXX letterhead showing that the six payments are to be removed.The FDIC has no regulatory agreements with TransUnion I was told. 

On XX/XX/XXXX I received notice that all six late payments have been corrected and reported as on time, increasing my credit score by 57 points. I thought this was a permanent action. It was not. On XX/XX/XXXX I received an alert at XXXX XXXX that the trade line was reverted back to a negative status with the six late payments reinserted into my file. According to a supervisor, my dispute was closed and finalized and Remains Delinquent. Transunion claims they actually investigated with XXXX XXXX who they say is responsible for refusal to properly report the tradeline. I have uploaded copies of the instant alerts received on XX/XX/XXXX showing the first accurate update and then XX/XX/XXXX showing the account was changed to delinquent again where it remains.
Consumer complaint received 2024-04-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

This is a follow up to the following complaint that was closed on XX/XX/year>. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> My personal experience with the last complaint that I submitted was very negative. I went through all the appropriate channels, but no one was able or willing to assist me in any way. I acknowledge that XXXX 's senior management did something on XX/XX/year> to stop the cyber-criminal after I pointed out to them that he created a XXXX ad with their corporate logo to lure additional victims. The next day I noticed that the cyber-criminal 's fake XXXX ad disappeared, his web-site has not been updated since that date, and his fake customer service number now connects people with XXXX 's actual customer service department. 

I have since spent much time educating myself and my family members about financial fraud and scams. I also read numerous articles about people who fell victim to all sorts of scams and fraud. I understand that the problem of scams and fraud is out of control, and many billions of dollars are lost each year to this growing problem. I am also aware that senior citizens are more vulnerable than people of other age groups to falling victim, since they tend to be less educated about cybersecurity. 

The common theme in the stories that I read is that people were scammed or defrauded out of a lot of money since it was taken from them before they knew what was happening or had a chance to react. Subsequently reaching out to law enforcement or their bank 's fraud unit was generally not helpful at all. In the rare instances that the bank was willing to reimburse the victim, the criminal was never apprehended and was emboldened to repeat his crime over and over again. 

The reality is that the only way to stop scams and fraud from happening repeatedly is to simply slow down the movement of money. Imagine how many billions of dollars could be saved each year if banks simply enacted the following control measures to protect their customers from scams and fraud : XXXX. XXXX transfers to new email addresses or mobile phone numbers - automatic 5-day fraud hold with status pending before funds are released 2. Wire transfers - automatic 5-day fraud hold with status pending before funds are released 3. All paper checks - automatic 5-day fraud hold with status pending before funds are released 4. Debit card payments to new recipients - automatic 5-day fraud hold with status pending before funds are released Of course, I acknowledge that there is no way to completely prevent fraud with physical cash, since there is no way to slow down the physical movement of cash. The only way to prevent that type of fraud is to simply eliminate physical cash.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Recovery Systems, L.P. (FL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Open balance : {$1900.00} & {$2700.00} Collection Creditor : PARAMOUNT RECOVERY Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Consumer complaint received 2021-02-27
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (LA)

I have a loan with XXXX XXXX XXXX, and it is due on the XXXX of each month. But since the Gov. of La. shut things down I have lost my job, but I pay the note, but it has to be on the first of the following month. So at most, it is usually 6 or 7 days late. But it gets paid every month, it is not behind. But the company calls at all times of the day, and during my work hours. For example, the loan is only 2 days passed and they called me 4 times. There are even times that they call me from different numbers or at one point had a friend of their 's call my cell. so they obviously gave my number out. 
I have told them repeatedly that I will make the payment on the first and they keep calling, at times they are rude. Obviously they are deceptive and misrepresent themselves. I am doing the best I can, It is not my fault this state decided to shut things for no reason, which cost me a job.
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (PA)

I been a customer of experian for 3 years now with a monthly membership fee of XXXX. The company provides in my membership fraud, identity theft, stolen wallet & fraudulent transaction on a bank account up to XXXX XXXX my claim was for XXXX . I.tried to submitted a complaint with the fraud department after the covered loss happened. Although, I kept disclosing my personal information and getting directed to the same department but different representative 's going around in circles not directing me to the fraud department so I can make a claim. After the XXXX time I asked since I just paid my premium can you refund me my membership being as though you keep directing me to the same department different people and then the same people. They said no refunds. I explained in detail what happened with no response I wasn't covered just the avoidance of forwarding my call to different people in one department/ back to the same people not fraud or claims just the membership department.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (MA)

AMEX ( Date opened XX/XX/XXXX ) add a negative mark ( XX/XX/XXXX ) on my credit report per XXXX. I do not know why this mark appeared in the report. In my opinion an error has occurred and I ask you to remove the mark.
Consumer complaint received 2023-02-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I lost my house to foreclosure back in 2016, Wells Fargo was supposed to be doing a short sale with me and my attorney that I was paying. And the day of the short sale, Wells Fargo just decided to Fort clothes and take my house from me. I have never gotten any money from any settlements.
Consumer complaint received 2021-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (CA)

Hello, Today I received a phone call and two emails from a company called " XXXX '' indicating that a {$1300.00} loan had been taken out in my name. I called the company back and I spoke with a person named XXXX XXXX the person who called me was named XXXX XXXX. I asked XXXX to STOP the loan, and any funds transfer, as I have never applied for a loan with this company. XXXX was unable to assist me and said I should file a police report instead. 

I have never applied for a loan with this company. The Loan Agreement Number is XXXX. 

This company seems to have my name, email address, and phone number. 

I never borrowed {$1300.00} and I do not know where this money is going, nor do I understand why XXXX was not willing to STOP the loan from moving forward. 

Can you please help me with this? 

Their phone number is ( XXXX ) XXXX. 

Thank you, XXXX XXXX
Consumer complaint received 2019-05-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

A couple months ago I tried to open a USAA account. A day or two later I tried to access it. I was given a message saying " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I called this number and they tried to help me. The lady at the time was very friendly and assisted me thinking it had to do with my last name, because I have a hyphen. We changed that and I was told to wait a couple days before accessing it again. I did that and had the same error. I wasn't that disturbed because I wasn't in need of a new bank yet. Now that I have PCS 'd I am in dire need of a new bank account. I had just today contacted them again. Now they tell me that I am not eligible to even have an account with USAA ... There explanation was " We are exercising our rights not to do business with you ... '' I am extremely irritated ... They listed numerous possibilities why I could have been banned. Fraud and bankruptcy were a couple of those. I have great credit, no criminal history and never been bankrupt ... No other annotation were left, so the rep couldn't help me out ... They wouldn't allow me to talk to the fraud department and just told me " yeah sorry, we just can't offer you our service any further. '' Would never recommend them to anyone.
Consumer complaint received 2024-01-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Revenue Corporation (FL)

On XX/XX/2022, I fell which resulted in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX  arm. An ambulance brought me to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX. When I arrived at the ER, I was immediately rushed to a private hospital room. After some time had passed, a hospital staff member came in to obtain my signature ( s ) on the usual required documentation, and to verify my insurance coverage ( XXXX XXXX XXXX ( XXXX ) ). I stated to him that I wanted to read the documents before I signed them, he suggested, I will read them to you then a heated discussion ensued about his unconventional method of practice. Eventually, he got frustrated with me, and unseemly decided to leave. He did not return to gather the appropriate information needed to bill the insurance company, and to this day I have not read, received, or signed any document for services rendered. Just recently, I discovered XXXX has this visit listed as an outstanding medical debt in the amount of {$5500.00}.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Dear Sir/Madam According to the Fair Credit Reporting Act 15 USC 1681 section 602 it states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Experian is a consumer reporting agency, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 12 CFR 1016.1 Purpose and scope governs the treatment of nonpublic personal information about consumers by the financial intuitions.

Verizon Wireless is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agency Experian DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX NEVER informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. In doing so I have endured hardship with utilizing my credit and several denials. Including one recent from XXXX XXXX. 
. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Experian is not and has not maintained reasonable procedures.

This is in complete violation of the Privacy Act of XXXX  and a direct display of willful noncompliance per 15 U.S. Code 1681n. 

Please see to it that this matter is resolved promptly as I have suffered enough. 

Regards,
Consumer complaint received 2019-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (TN)

I paid this account back in XX/XX/XXXX with collection company called Credit MGMT XXXX XXXX on behalf of XXXX cable. And they stated that they will have this item out of my account within 30 days. Now it is XX/XX/XXXX AND THIS ITEM STILL REPORTED ON MY CREDIT REPORT PLESAE HAVE THIS ITEM REMOVED! THANK YOU SO MUCH
Consumer complaint received 2019-05-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I Filed a dispute with equifax to correct inaccuracies in my credit report. Rather than investigate the evidence I submitted in connection with my claim ( XXXX letter showing account was in delinquency ). Equifax provides false statement indicating that XXXX ( the reporting entity ) verified account status currently being reported is accurate. When its not. 

I provided equifax with evidence ( a letter issued by XXXX ) showing dates currently being reported by equifax as inaccurate. Account was not late, but in forbearance. Account # XXXX
Consumer complaint received 2018-06-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (WA)

I'm having an issues with JP Morgan Chase Bank. The issues is between an internet website vendor XXXX and myself, that they are in breach of contract for the services they promised and sold me. I asked them to cancel my services with XXXX, they would not without charging me the full amount, we were 4 months in on a 12 month contract. This is the back story. 
I contacted Chase on XX/XX/XXXX to put stop payments for the monthly billing from the XXXX website and they did for the amount of {$120.00}, I also asked for any future charges from XXXX to not permitted to happen from this vendor, as well as cancel my current card and to re-issue it. Thinking this process was done on XX/XX/XXXX, I received a charge from the vendor XXXX in the amount of {$900.00}, and the card was not cancelled. 
So we contacted Chase Bank to have the charge of {$900.00} to be disputed and Chase reversed the charges, It was until XX/XX/XXXX the card was finally cancelled. weeks later Chase contacted me by email to say they are siding with the vendor and reversed the charges again. I contacted Chase and spoke with the department that makes their decision to stop payments and charges. I asked if they had noted the account on XX/XX/XXXX, they said no notes on the account, I asked do you note every call? They replied yes. I asked what department was I speaking with that put the stop order in, for all charges, they said they did not know. I asked to speak with a supervisor and got the say reply they were going with the vendor. I asked why didn't they call to speak with me on the charges and only the vendor. They had no reply. I explained the vendor and I relationship has no bearing on the charges that incurred do to them being in breach of contract. I asked what is stop any and all future payments from this vendor means? Their only response is that they decided the charge was relevant and that only checks can be reversed not XXXX charges. This put me over the top. That XXXX   purchases absolutely can reversed and this is why we don't use checks any longer. The call was over at this point because Chase was not working to protect my 2 business and 2 personal accounts I have with them.

After the 2nd response that they we're going with the vendor, we then resubmitted for a reversal of the charges again with no avail in changes. We feel that Chase is not protecting our money and is willing to give it out to any vendor regardless of the situation. All locations for bank documents are not able to be found online they all show blank so all consummations here are not able to be printed or seen from a public or private stand point. 

We greatly need your help and protect in this gross violation against us.
Consumer complaint received 2020-06-28
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. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.