davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

one XXXX is reporting a collection after I sent a letter from the company paid in full. 
2. all three is reporting a higher usage than is correct it need to go down since I have paid the loan in full it went up when the loan was reported to the three reporting and now since the loan is pain in full it should go back down at all three crediting reporting
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (CO)

I received a collection letter from Aldous & Associates regarding XXXX XXXX, on XX/XX/XXXX in the amount of {$290.00} offering a 50 % reduction if paid in full. I requested a validation. No validation sent and they then reported me for 3 separate accounts for {$630.00} to credit bureaus. I sent a CFPB complaint and received back 3 contracts, One was back from XXXX which does not have my signature which makes this contract NULL AND VOID. The other contract for {$160.00} was from XXXX which again does not have my signature the signature is literally a one line scribble, the 3rd contract XX/XX/XXXX was a month to month which was paid for two months and the gym closed due to covid XXXX- XX/XX/XXXX. XXXX sent an email stating due to the covid closure the accounts were frozen and no membership fees charged. I called and canceled in XXXX of XXXX after I saw that the kids club would remain closed and it was limited access on appointment only. They sent an online agreement when they reopened I never signed due to reasons just stated. the kids club remained closed which they still charged me for. At no point in time have they sent me a statement detailed as to which months I allegedly owe them for. Due to my calculations, the two contracts without my signature are null and void, the XX/XX/XXXX I paid for the two months they were open and due to closure and not fulfilling their portion of contract, my cancellation in XXXX should leave me at XXXX to pay the,. See attached documentation
Consumer complaint received 2017-11-06
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

The problem is with XXXX for my student loans. I was granted a deference a couple of years ago, but XXXX still reported to all XXXX credit reporting bureaus XXXX Experian, XXXX XXXX, etc. ) that I defaulted or missed payments on my loan. 

I had worked with XXXX and others and I sent multiple letters to Navient, but they told me there was nothing that they could due for my credit rating. 

I am in excellent standing and I just ask for a short-term stay while I got a job ( which I did and still do ). 

This credit rating is ruining my credit and I can not get a loan on a new home at a low rate. 

I have attached a document from XXXX with all the information.
Consumer complaint received 2022-06-28
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2021, I made a deposit of {$560.00} by check, and {$100.00} by cash, almost immediately my account had been terminated with no warning, I now have no access to my bank account, or money, this has put me in a bad place financially to where I can not pay my bills. Suntrust/truist bank has been nothing but issues, but now I am even considering small claims court in order to get compensation for my account balance.
Consumer complaint received 2017-11-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Services, Inc., d/b/a Texoma Finance (OK)

I paid my account in full before the court date hearing on XXXX XXXX th 2017 they charged me XXXX for the processing and other fees intop of my payoff when I told the company that I paid it off before court they said that I still had to pay it the company cursed at me and called me a snobby snot after asking for the supervisors number he would not let me speak and accused me of cursing when I did not I am very upset how they have treated me I need something done and help in what I need to do this loan company is XXXX XXXX
Consumer complaint received 2020-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

I have reached out numerous times asking for copies of every statement since Navient took over my student loan. They only keep a years worth of statements. Despite asking numerous times, I still haven't received them. When I ask Navient about my statements, they either lie to me and say they will send them or lately, they just don't respond.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On Thursday XX/XX/2019 we noticed {$1200.00} was taken from our checking account and was being sent to XXXX XXXX where we have our mortgage. Our mortgage is $ XXXX  monthly. Thinking we had forgotten to pay it we transferred another {$870.00} from our savings to make up the difference. It was all " pending '' to XXXX. I realized that I had received an email that we had ALREADY made our mortgage payment on XX/XX/XXXX or XX/XX/XXXX. XXXX is NOT authorized to take monies from our accounts. We make our payments ourselves through bill pay. We quickly went to Huntington Bank in XXXX on XXXX XXXX to request a stop payment. The banker we saw said he wasn't sure he could stop the payment but he would try. I asked what further steps we could take ... was there some federal agency or something that could help us? He didn't know. I consider this to be mortgage fraud. Checking out XXXX account today, the monies have not been received or distributed to our UP TO DATE mortgage. We don't know where the money went or why Huntington allowed to money to be taken from our accounts. My husband went back and I believe he opened a new checking account with Huntington in case this is a scam. Huntington is responsible for giving out {$2000.00} of our money without our authorization or permission. We are XXXX  citizens living on a fixed income. That money should be put back into our Huntington accounts or given to us in a certified check. How are we supposed to live if they just allow our fixed income to be taken out without our permission?
Consumer complaint received 2017-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (CA)

I used my Barclaycard Arrival Plus to book a trip for my family in early XXXX. Unfortunately due to the hurricanes in the XXXX this fall my trip had to be cancelled. The travel company was very gracious and issued a full credit for my trip that they placed on my Barclaycard. I quickly began planning another trip since we had already taken the time off work. When all was said and done I had a credit on my Barclaycard account of {$1000.00}. I called on XX/XX/XXXX and asked that they send me out a check for the credit. I was planning on using that money on our vacation and was told by the representative that I should receive the check in 7-10 business days. On XXXX XXXX I received an offer from Barclaycard to do a balance transfer from another creditor and receive a 0 % interest rate for 18 months. I decided to take advantage and proceeded with the balance transfer. A couple of days later I still had not received my check for {$1000.00}. I called and spoke to a representative who transferred me to a manager.  She let me know that she would open a case, get the check stopped and reissued. Between speaking with her I spoke to 3 other managers within a three week period of time that all assured me that my check would be processed and sent after a case was opened and resolved. Today on XX/XX/XXXX I spoke to yet another manager who informed me that this was not the case and that the credit from the lost check was placed onto my account. I requested a formal complaint be filed and will also be filing with the better business bureau. I was also informed that I was told incorrectly that the check would be sent out the day I requested and was misinformed on three separate occasions that I would receive the funds I had requested. Consumers should know that if you have a credit on your account with Barclaycard and ask for it to be refunded to you, they take 7-10 days to process that request and another 7-10 days to mail you a check.
Consumer complaint received 2022-03-31
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: LJ Ross Associates (TX)

There was a fraudulent gas bill add to my credit report via LJ Ross & Associates in which they claimed to have purchased this debt from XXXX XXXX. I contacted the original debtor ( XXXX XXXX ), provided them all my pets information & police reports. Peoples gas sent me a letter saying they made a mistake & they would notify all 3 credit Bureaus to remove this debt immediately. I sent copy of this letter to LJ Ross & Associates and they still wont remove this fraudulent debt that I have proven is not mine.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

In accordance with the Fair Credit Reporting Act ( FCRA ), I wish to add a short statement to my credit file explaining information that your reinvestigation failed to resolve to my satisfaction. For your convenience, l 've quoted the specific paragraph from the FCRA that gives me the right to add this statement to my credit file : Section 611b. Statement of Dispute : " If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. '' Therefore, in reference to the following line item :
Consumer complaint received 2017-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (WA)

I subscribed to Experian credit monitoring service for a month and then discontinued the service. I only wanted to use the service for one month and was n't interested in continuing the service on a permanent basis. After two months I decided to check my credit report because of something I received in the mail from a business. When I tried to log into my existing account, I was denied entry and was prompted to pay a almost {$50.00} price to log into my account to check my credit report. Basically, Experian never cancelled my subscription like I asked them to after using the service for one month. After contacting Experian telling them i have not used their paid service over the last two months and that I still ca n't because they are requesting that I pay them {$50.00} to even log into my account, they advised me that I needed to pay the {$50.00} first. I will not pay for a service that I have not used and is unable to use.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. 
We apologize for any inconvenience this may cause. 
I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. 

The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. 
It was clear that Bank of America had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. 

And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. 

What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????
Consumer complaint received 2021-09-22
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. (FL)

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX  XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted XXXX  ( XXXX XXXXXXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX XXXX  in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX  and XXXX XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Consumer complaint received 2017-10-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (GA)

On XXXX/XXXX/XXXX I sent a letter Certified mail # ( XXXX XXXX XXXX XXXX XXXX ) to Capital Accounts LLC for valdidation of debt and HIPPA authorization. 

I requested that Capital Accounts provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Capital Accounts have not complied to this request.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (NY)

I paid a Diversified Consultants at total of {$270.00} on XX/XX/XXXXfor a XXXX XXXX XXXX bill. I requested a letter be mailed and emailed to me. The company said sure. On XXXX XXXX or XXXX I called back because i never received the letter or email. I was told it will be emailed. On XXXX XXXX I called again XXXX and XXXX told a letter had been mailed out to last week. When I inquired about the letter being emailed to me I was told I had to send them something in writing to have the letter emailed to me. When I asked for an email address I was told their email was down and they did not have a fax number. 

I called back later to leaned the names of the individuals I spoke with, and I spoke with XXXX XXXX, who said he would drop a letter in the mail, but did not ask for me to send him a letter of request. 

Three issues : 1. I was told the letter was mailed.
2. I was told they could not mail the letter without me sending them a request. 
3. XXXX claims he is going to send me a letter without a letter of request from me. 

So what is this agency 's policy, did they ever mail me letter like they said, will XXXX really put a letter in the mail, do they really need a request from me, is their email really down for more thank a week? This agency appears to be lying to the consumers.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am currently rewriting my complaint with TRANSUNION concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. TRANSUNION claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Flagstar Bank, N.A. (WI)

XXXX XXXX XXXX XXXX  WILL NOT STOP CALLING. 
I HAVE INFORMED THEM THEY HAVE THE WRONG NUMBER. 
CALLERS ASK FOR XXXX AND PROCEED TO ASK ME TO PAY A DEBT TO FLAGSTAR BANK.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

My wife and I transferred {$270000.00} to Fifth Third Bank for deposit into checking/money market accounts on XX/XX/XXXX. This was part of the process to take a {>= $1,000,000} mortgage with their lending department that closed on XX/XX/XXXX. 

On XX/XX/XXXX, my online banking stopped working. Over the course of XXXX XXXX XXXX XXXX XXXX I was transferred to different departments and finally the their Fraud Department. They said that in XXXX someone had committed fraud using my social security number. I commented that this was not me and that I was made aware of an attempted identity theft in XXXX and was unsure if this was related. I filed a dispute while I was on the phone. 

Between XX/XX/XXXX and XXXX, Fifth Third froze all of our accounts. On XX/XX/XXXX, I received a message that my contact information has been changed ( this was not initiated by me ) and that I should call customer service immediately. My wife went into a branch and was informed our contact information was changed, but we'd need to talk to the Fraud department during weekday hours to find out what changes were made and by whom. Super scary for us to not know what's going on with our accounts.

So, after having our deposits for XXXX XXXX XXXX and funding our mortgage loan, Fifth Third has frozen our accounts and I can't get any information as to how to remove my deposits from my account, nor can I see that the funds even exist there anymore.

Fifth Third Fraud department indicated that they have me flagged as someone " not to do business with, '' related the the fraudulent activity committed in XXXX by someone else who stole my identity. However, I can not get access to view or remove my funds from the bank.