davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion did not investigate an account on my credit profile for Dpt of ED / XXXX, XXXX XXXX, and US Dept of Education/XXXX
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I got an email that said " Weve decided to close your accounts because we observed activity that is inconsistent with our terms and conditions. When opening your account ( s ), you agreed to the terms and conditions that state we may close your accounts at any time and for any reason. Were unable to reopen any accounts and you wont be able to open any additional accounts with us. Your balance and any interest earned will be transferred to your linked external checking account within 2 to 3 business days. If you don't have a link or your link is closed, a check will be mailed to your address on file within 7 to 10 business days. If your account balance is currently negative, youll be held responsible for the negative balance. If you have any pending claims, well wait for those to reach final decisions before proceeding with the account closure. You'll need to stop writing checks and cancel any automatic deposits or payments for the account right away because it has been restricted from future use. If you have any questions, please call us at XXXX, XXXX XXXX XXXX ET, 7 days a week. '' I called the bank to see why this happened. I was sure it was a mistake. They said they made a banking decision and did not have to disclose to me the reason why they were closing all accounts. So I immediately had no access to any money. I could not use my debit card or go to the atm. They closed my accounts after banks had closed for the day as well so I could not go into a branch and retrieve any of my funds. I was without money and did not have the option to add an external account online either. I was shocked and confused as to why this would happen to me. What kind of activity is inconsistent with terms and conditions? I use my accounts to receive my paychecks, pay bills, and order food.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I have a Citizens Access savings account. 
On XX/XX/2021, I electronically transferred approximately XXXX from this account to my business account at XXXX XXXX XXXX. The transfer was supposed to happen within 2-3 business days. As of XX/XX/2021, the transfer was not completed, although my Citizens account reflected the withdrawal. I contacted Citizens Access and was told that it would be investigated and that someone would call me the following day. As of late evening on XX/XX/2021, I had not received a follow-up phone call. I contacted Citizens Access again this evening. After an additional 45 minute phone call, Citizens Access was completely unable to tell me where my money was. They confirmed it had been withdrawn from my account, but they werent sure where it went. All account information was confirmed. I am not sure how to proceed.
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (NY)

On The ending of XX/XX/XXXX I tried to withdraw money from my Discover credit card account, I did withdrew {$500.00} but I was unable to withdraw more cash. So I mailed out three proof of identification for them to have proof that I was the one who was trying to withdraw cash, so then my account was under review. Til yesterday afternoon when I made a phone call to discover card, they closed my account without letting me know ahead of time! I want You guys to take action to reopen my credit card account please, it 's so stupid of them to close my account for stupid reasons and I feel that it 's not right and not fair! I want this action taken immediately
Consumer complaint received 2022-08-10
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. (ME)

There is another XXXX who lives in the same town as me, she has the same exact date of birth, the same social security number -minus one digit difference. Experian has her and I completely combined. Her maxed out mortgage and other accounts are negatively impacting my life as a single mother. I have written to Experian back in XX/XX/XXXX, ( certified with return receipt, so I know they got it ) with a copy of the report and all the incorrect accounts on my credit. I got no response. I wrote them a second and final letter this year, back in XX/XX/XXXX. This time I got a single white postcard with generic info explaining Experian has 30 days to do whatever is there doing .. it's been 1 year and 4 months since I first reported this to them. This other person 's information is being asked to me, when I go online to try and dispute it. For example, it asked me what year I purchased my XXXX? I have never purchased a XXXX! It asked which of my pets I purchased insurance for recently.. I have never purchased pet insurance. I can't even get verified to continue, because of this! Please PLEASE help me! I don't know what else to do.
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a credit monitoring alert that a new address was added to my TransUnion credit report. When I checked my credit report, TransUnion is showing an incorrect address of :  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX . That is NOT my address. I demand that this incorrect address is removed from my credit report.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 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 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Automated Collection Services, Inc. (TN)

I spoke with XXXX XXXX from ACSI on XX/XX/2018 around XXXX CST, in regards to my student loan. Because of the experiences with collection agencies in the past I hired help on my student loans. When we called to set up a payment plan the collector refused to discuss payment option with me and my hired help on the line. I do not understand why I am not able to have someone on the line to help me understand my options. I have the right to have someone on the line that is looking for my best interest only. XXXX asked me if I was able to pay the whole balance off which I can not. Then I gave XXXX permission to speak to my hired help since I do not know what options are available. When my hired help tried to intervene and speak on my behalf, he started to talk over her and his tone was harsh and voice was loud. My hired help tried to explain what she was doing for me to get the best option for my student loans. XXXX XXXX was very rude to her, I have never experience such bad customer service, he was yelling over her and wouldn't allow her to tell him what my plan was for my student loans. It was extremely unprofessional for someone to treat me and my hired help like that regarding student loans. The way he went off on us on the phone is unacceptable, I do not want to deal with people like that regarding my student loans. He made me feel uncomfortable about how I may be treated if she wasn't on the line. Is this how service is provided to people who have student loan debt? I have worked in customer service before, you never want to yell at someone over the phone and talk over them and be as rude as he was. It was the most unprofessional phone call I have experienced with my student loans. My hired help tried to get the information that was needed for me and we were not able to get that, after she tried to get a supervisor on the phone I was so disguised I wanted to just end the call. I hope the proper repercussion comes after listening to that call since they said they record all the calls.
Consumer complaint received 2017-06-13
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. (CA)

The college I was attending abruptly closed and went out of business. The reason I was told they closed was because they were mishandling student loan monies from the students that were enrolled. They ended up filing for bankruptcy. I was enrolled in that college for 2 years and they kept every penny of the federal loans I applied for. I never had a chance to graduate or receive any type of diploma or certificate. I explained that I will not be responsible for a debt that I did n't mismanage. That was the school 's doing. They mishandl ed MY loan money so therefore I will not be repaying back money they fraudulently stole. I applied for loan forgivenes s because students from that school are/were eligible due to this whole situation. They denied me because they said I took an unexcused leave of absence which is not true. I also explained that if I were to receive the services with the outcome promised by them, I would have no problem paying the debt back but services were not rendered therefore my obligation to them is null and void. I have written and called these people on numerous occasions to remove this debt from my credit report. I have formally disputed the validity of this debt and they refuse to do anything. I want this debt erased from my credit report ASAP.
Consumer complaint received 2017-06-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Account Control Technology, Inc. (TX)

XXXX XXXX XXXX, I received a letter " Notice of Proposed Wage Garnishment, Due to Debt Owed to US Government '' dated XXXX XXXX. I was under the impression that I was on a deferment. As I read the letter, it stated that I could call Account Control Technology. I was then informed that Account Control Technology had my account since 2015. I advised that I was never advised that Account Control Technology was handling my account. I was under the impression that XXXX was handling my account. I advise Account Control Technology that I was never aware that they were handling my account and asked how could they garnish my wages if they never attempted to contact me. I advised that my address and phone number had not changed, I advised that this was a unfair and deceptive practice. I asked to escalate the call to a manger because I wanted to speak with a reasonable person. XXXX 's manager got on the phone and acted as she wanted to assist but disconnected the phone when I challenged her on the collection tactics. If I owe the amount specified, I would like to clear my debt.BUT IT IS NOT FAIR THAT ACCOUNT CONTROL TECHNOLOGY HELD MY ACCOUNT FOR 2 YEARS THEN TRY TO GARNISH MY WAGES. THIS IS VERY UNFAIR AND UNFORTUNATE. I SHOULD BE GIVEN THE SAME OPPORTUNITY AS OTHER TO MAKE PAYMENT ARRANGEMENTS. NOT BECAUSE A VENDOR HELD AN ACCOUNT AND NOW THAT IT IS AGED THEY ARE TRYING TO ENFORCEGARNISHMENT. I can not afford to pay 15 % of my income as stated on the garnishment. I can pay at the most {$25.00} a month. XXXX XXXX XXXX lied to me about my loan and I do not remember signing the promissory note that was indicated by Account Control Technology.
Consumer complaint received 2022-03-03
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2017-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have contacted Equifax via telephone, fax and certified mail. Stating to them that several of the inquiries on my report were not authorized by me. I started my disputes with them in XX/XX/2017. I have even received letters from several of the disputing companies, stating that they did have my permission to authorize the inquiries and they stated that they would have them removed from my credit file. I have explained this to equifax reps and they still refuse to take them off my credit file. 

I recently spoke with a equifax rep and she tried to walk me through entering an online dispute so that I could instantly upload my docs. After SEVERAL attempts, the upload page would not come up ( this puzzled the rep and she stated she do n't know why that page was n't working ). It would n't come up for me or her! I tried again today and that page still wo n't come up. I have been trying to fax them again for the last two weeks and my fax 's keep getting rejected. I am tired of begging them to remove these items from my credit ... I simply want the unauthorized items removed.
Consumer complaint received 2017-06-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (TX)

Our home went into foreclosure in  XXXX  after the economic crash in  XXXX . We Had an  80/20  loan orignally with  XXXX   XXXX  Mortgage. Which then had  XXXX   XXXX  Mortgage  XXXX   XXXX  till we went into foreclosure in  XXXX .  XXXX   XXXX  mortgage then changed to  XXXX   XXXX  in  XXXX   XXXX  according to information provided from internet. On our credit report it demonstrated that  XXXX   XXXX  charged off both loans (  XXXX , and  XXXX  ) with last report date of  XXXX , and stated last activity in  XXXX . We then started receiving information from Real Time Resolutions attempting to collect a debt that has been already charged off and closed. They have been inaccureatley reporting to credit berueas and state that the account was opened  XXXX  and is currently still reporting with last report date of  XXXX . But it does not show any last activity date. This is inaccurate information, and we are demanding that this be removed from our credit reports. They have enabled us from moving forward into being able to become  2nd time home buyers. There is also a recent class act lawsuit against Real Time Resolutions.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (AZ)

On the american express website, I was offered to obtain a second card. The way I read it, amex was simply inviting me to get a second card for the person of my choice. Since I already have a card, and since it appeared as an invite, I just assumed that they would be sending me the second card. Rather, I received a notice of rejection, which notice contained no reasons whatsoever. I have been a customer of amex for three or four years. Their way of dealing with a customer is bad and insulting. Their treatment belies their statements that theirs are " valued '' customers.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

Syncrony Bank is in violation of Reg Z and XXXX. There has been a monthly charge on my credit card every monthly since XXXX. On the statements the charge is mixed in with the purchases without a description of what it is. I assumed it was a purchase i made and they didn't have the description of what it was. There was no identifying information. Come to find out, these charges were for an Amazon XXXX membership that i did not have. I was on my nieces Amazon account and made purchases only with my Amazon card. I never had an Amazon XXXX account or Amazon XXXX Account. I never signed up for one. They have been charging my card for her monthly fee since XXXX. They are sneaky with this charge too because they burry it in the purchases, and do not locate it in an area of the statement where you would be able to tell that it was a fee. That is a serious XXXX violation. I placed a billing dispute with them on XX/XX/XXXX and have been following up. The last time i talked to them, they said they could not help me and to call Amazon. I told them i did talk to Amazon, and Amazon is telling me to talk to them. Sycrony Bank is in violation of Reg z for not taking my claim and working with the merchant, Amazon to get this resolved.
Consumer complaint received 2022-03-03
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. (NC)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2017-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (CA)

I received a phone call today from Asset Recovery Associates ( ARA ) ( XXXX ) about a debt owed to XXXX now owned by some XXXX affiliated affiliate. The last time that I had service with XXXX was when I moved from XXXX in XX/XX/XXXX when I paid them in cash and received a receipt for final payment. They claimed that I had not paid them. I produced the receipt and they withdrew the claim and discharged it. I never heard from them again. I filed for bankruptcy in XXXX and had all known debts discharged. i am not sure if i included XXXX as a known debt but since i had not heard from them in over 10 years, my assumption is that it was not included. The disputed amount, if my memory serves me right was about {$300.00}. Today ARA called me and claimed that i owed $ XXXX and that they would settle for {$1000.00}. I refused and demanded that they provide documentation from the XXXX. They threatened me with court action, liens making disparaging remarks on my credit report. More disturbing is that they had my SSN and had access to my credit information. It has been over 22 years since I thought i had settled this debt. What are my rights on a debt that has been dormant for this amount of time?
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to formally register a complaint regarding the fraudulent items on my account. I have made several attempts to resolve this matter through your customer service department without success. 

Since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I had with your customer service department, including reference numbers. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate steps to rectify this situation. I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9800.00} XXXX XXXX  XXXX Balance : {$670.00} XXXX XXXXXXXX  Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$3100.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: FMS Inc. (DC)

XXXX old, expired checks from a jobs training program were cashed by a a XXXX branch. XXXX checks had been voided and they clearly stated in bold, black lettering that they were " VOID AFTER 90 DAYS. '' XXXX hired FMS, Inc. to collect the debt. Their agent called the XXXX office shouting, demanding money, claiming I was violating the law by not giving it to her. She refused to acknowledge that XXXX was in error by trying to collect on checks they should not have cashed. She refused to provide any proof that they had even cashed checks. She simply ordered me to pay her and then threatened me when I asked for proof of her assertions.
Consumer complaint received 2017-04-12
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (CA)

I signed up for the Delta Gold Skymiles Card from American Express on XXXX XXXX, XXXX. I signed up for an offer of XXXX bonus Skymiles after spending {$1000.00} on the card within 3 months of account opening. I fulfilled this spend requirement shortly after, and American Express themselves initially confirmed on XXXX XXXX, XXXX that I met the spend requirement for the XXXX Skymiles bonus ( thus verifying the bonus was attached to the account ). After this, I made a phone call to American Express customer service to follow up on when the Skymiles would post to my account, and a representative told me verbally that if I did n't see the Skymiles in my account by XXXX XXXX, I should call back. Shortly after XXXX XXXX had passed, I called back to American Express and they told me that I was ineligible for the bonus and would n't receive it, regardless of what multiple representatives had previously confirmed.