davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (SC)

I visited the above noted location today around XXXX via the drive thru. I made a cash deposit and provided a deposit slip. The teller asked for my identification. I have never been asked for my ID when simply making a deposit. I mentioned to the teller the inconsistency. I want the bank to ensure certain customers are not being profiled based on animus I visited the XXXX XXXX branch and was asked for my license and debit card. I note bias and inconsistencies from branch to branch. XXXX XXXX XXXX customers are asked for unreasonable requests despite being the account holder. The corporate office is dismissive
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I applied for a credit card over the phone and was immediately turned down without explanation. I waited over a week to get a explanation. It was because Transunion reported that I have no credit score. I called Transunion and was told that I do have a credit score and they can see that I have two credit cards. Transunion told me I must pay them to see my credit score and sent it to credit card company so I can straighten out their error. I was told it was XXXX cents on Transunion website. I went to website and all I could find was {$24.00} for credit score and credit monitoring with auto deductions from your credit card. The option I was told about was not there. Why should I pay for their mistake??? They should fix this problem or give me proof that I have a credit score so I can provide it to the credit card company.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (MD)

I disputed a transaction on XX/XX/XXXX to Netspend, for an owed refund. I gave the company vial information and explained that I was trying to get a cash advance from the merchant but was told there was not enough money available for the transaction. I had already swiped my card as if the transaction was going to be completed. I was told by the merchant a refund be given in XXXX business days. When the refund was not received I disputed the charge. On XX/XX/XXXX I was told my dispute was denied and no error was found. Netspend sent my a copy of the receipt the merchant sent to them and it was fraudulent. I told this to the Netspend and was to there was nothing they could do. So Ive tried multiple times to speak with the dispute analysis, supervisors, etc and no help was given. I feel unsafe to have money at this company because if they allow anyone to just take my funds with little to no help to retrieve it, what good can you be to keeping my funds safe.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I reached out to Bank of America to have my card locked to prevent XXXX from charging it. However, the representative provided me with false information when I asked about any pending transactions. This led me to believe that I had no pending transactions, and I didn't take any action to stop XXXX from sending large items that I can't return. As a result, I ended up losing {$2200.00} for items I didn't want. 

Despite contacting Bank of America to resolve the situation, they refused to compensate me. This is unacceptable. I demand that Bank of America take full responsibility for their representative 's mistake and pay me compensation. Additionally, I believe that the representative 's banking license should be revoked due to their sloppy and unprofessional behavior. 

I urge you to investigate this issue further and take appropriate action. I am willing to provide any further information that may be needed.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

In XX/XX/2023 I transferred my student loans from XXXX to XXXX for repayment. After my loans were transferred to XXXX, XXXX failed to " close '' or " transfer '' my loan accounts on my credit report. I have contacted XXXX XXXX times by phone to have this complete and even filed a dispute with XXXX to have them close the accounts. They sent me a statement in the mail that says their accounts are correct and have been transferred when they are not. My credit report is taking a hit because it is reporting that I owe XXXX  the amount of student loans when I have only XXXX servicer for them, which is XXXX. I should not have an open account with XXXX as I have not had them for my loan servicer since XX/XX/2023. This is affecting my daily life as I have tried to apply for other loans and can not be approved because my debt ratio is too high due to the incomplete task that XXXX is failing to accomplish on my behalf. I filed a dispute on Experian for all my XXXX accounts, which came back that the consumer disagrees with my statements. I have paper work stating when XXXX took over and that my accounts with XXXX were transferred. 

I have already sent a complaint through CFPB. XXXX responded with a letter stating that they have put a " suppression '' on my accounts and that once they evidence from the Education Department that my accounts should be closed, then they will take the corrective actions.
Consumer complaint received 2024-05-02
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Commercial Services, Inc (FL)

I was contacted via mail sent to my mother in laws house that was a threat about suspending my license over an accident I hadn't heard anything about regarding it. When I got this letter I freaked out because I was being told my license would be suspended so I reached out the the sender which was NCS national commercial services and the person who was speaking to me was very rude and was threatening my license and my significant others license to be suspended unless I paid {$17000.00}. And now this person calls me constantly atleast 2 times a day maybe 3 times a week and everytime he calls he tells me he isn't a debt collector and then said we needed to pay that amount. I looked into his company and saw alot of remarks on numerous websites saying they are a scam and they use scare tactics to get you to pay them and even one of the remarks said they had been paying for the amount they owed and when they tried to find out how much they owed the company told them they still owed the full amount and had no records of them paying. Today I was contacted by him again and after I told him what I found out about them scamming people he got aggressive and began yelling and so I hung up and then he called me back and I didn't answer so he emailed me saying I was being sued now. He also told me he was doing this for their client named XXXX who is not an insurance company for the company that was involved in the accident.
Consumer complaint received 2022-09-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Upgrade, Inc. (TX)

I applied for Upgrade Card with the following terms from XXXX : Open Upgrade Card and Earn a {$500.00} XXXX  bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions* During the application for Upgrade Card, I did not have the option to enroll for a Rewards Checking account during application prosses. Moreover, I don't have such an option ( see attachments ) after I submitted the application. Upgrade 's representative assured me that I can open a Rewards Checking account after I open Upgrade Card. Eventually, Upgrade Card was approved and opened but the Rewards Checking account was not open. I tried to apply for the Rewards Checking account separately using existing credentials for the Upgrade Card account but received the following message from Upgrade : Thank you for your interest in an Rewards Checking account. Unfortunately, we could not open your account because we could not verify your identity. 
This message does not have sense because I am already an Upgrade customer and Upgrade already verified my identity during the application prosses for Upgrade Card. 

I believe the term for {$500.00} XXXX  bonus was misleading because of the next reasons : 1 ) I did not receive information about how to open Rewards Checking account from the upgrade 2 ) Terms of the offer do not outline the fact that the Rewards Checking account is needed to be opened after Upgrade Card was approved. 
3 ) There is not an option to add the opening of Rewards Checking account during the application for the Upgrade Card 4 ) XXXX link leads to the application of opening Upgrade Card without clarification on how and when Rewards Checking account should be open 5 ) Upgrade does not allow to open Rewards Checking account for the existing user with vague explanation : " we could not open your account because we could not verify your identity ''
Consumer complaint received 2020-05-05
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX   XXXX {$530.00} XXXX XXXX {$710.00} XXXX XXXX {$84.00} XXXX XXXX XXXX {$350.00} XXXX  XXXX {$800.00}
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I transferred {$3500.00} to my XXXX account from my Capital One account. The money is lost and no one can tell me where it is and Capital One will not trace it.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

I contacted Wells Fargo regarding a report they made to XXXX XXXX XXXX XXXX XXXX XXXX stating I was delinquent 4 months on my mortgage. The Mortgage had been paid in full under mortgage consolidation terms of XXXX XXXX XXXX XXXX XXXX Wells Fargo denies doing this, however, XXXX XXXX XXXX have the negative reporting. I don't know who's lying or who did what, but the negative hit is on our credit reports.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (AR)

XX/XX/XXXX I am unaware of this alleged debt that the Caine and Weiner stated I owe them in the amount of {$390.00} that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC (CA)

On XX/XX/2020 I called RDAC to settle this account. I paid the exact settlement amount that was offered to me by XXXX XXXX. I previously disputed this debt with RDAC and the only information I received was that it was verified from the credit bureaus. I never received any notices about this debt as I moved out of state and was never contacted or received any mail. This is single-handedly preventing me from renting a home. I settled this account, and I never received proof that the debt was valid nor was I contacted. This debt should be deleted.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital one and their attorney sued me for non payment of a credit card on XXXX occasions, once in XX/XX/XXXX and again in XX/XX/XXXX. After I filed a complaint with cfpb they withdrew suit and gave me a number to call to make payment arrangements as I had requested in XX/XX/XXXX, wanted 0 interest and 5 year payout, they refused to accept a payment plan. I have attempted to make contact on 3 occasions using a pin that was given by XXXX XXXX, and each time was told I have no open account.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The account being reported is not accurate. I ask for proof proving the information being report is correct. The reporting agency failed to give me that information and so did the company reporting to the bureau of the accuracy for their claim. The company was sent a cease and deceit letter on XX/XX/XXXX to stop all and any collection and to not report anything to any credit bureau. I also call and confirmed that they did receive the letter and I was told it would cease. On XX/XX/XXXX this account showed up on my report with total incorrect information ( dates amounts ) all false. I contacted the collection company again and was told the credit bureau is report this without their consent. They are reporting dates and billing for days I did n't live at that property. I disputed this with the credit bureau and they continue to report the inaccuracy. I have ask that Transunion, XXXX and XXXX remove this from my report and they have fail to do so. I was sent a letter on XX/XX/XXXX by Transunion stating they will not reinvestigate the dispute and will not provide me with any information as to their findings.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I contacted XXXX XXXX regarding a report they made to XXXX and Equifax in XX/XX/XXXX stating I was delinquent 4 months on my mortgage. The Mortgage had been paid in full under mortgage consolidation terms of XXXX on XX/XX/XXXX. XXXX XXXX denies doing this, however, Equifax and XXXX have the negative reporting. I don't know who's lying or who did what, but the negative hit is on our credit reports.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I contacted XXXX XXXX regarding a report they made to Transunion and XXXX in XX/XX/XXXX stating I was delinquent 4 months on my mortgage. The Mortgage had been paid in full under mortgage consolidation terms of XXXX on XX/XX/XXXX. XXXX XXXX denies doing this, however, XXXX and Transunion have the negative reporting. I don't know who's lying or who did what, but the negative hit is on our credit reports.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Aldous & Associates, PLLC (FL)

Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX RE : Account # XXXX has reported an account to collections that I have no knowledge of. a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay them. I have never stayed at this address nor did I have any relationship with this company.
Consumer complaint received 2020-08-19
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. (AZ)

I am a victim of identity theft and am also included in a Equifax Data Breach Settlement. My name is included in the data breach for settlement. 

I have sent certified documentation into each bureau. The documentation that I mail in by way of certified mail included a copy of my notarized identity theft report statement, copy of my drivers license and social. I also provided my current address, phone number and email address. I will attach documents once again. XXXX  has already removed the negative items I am waiting for your company to do the same. 

Spoke with a supervisor at XXXX  over two weeks ago and was told that the negative accounts would be removed and that they work with the other bureaus. Still nothing has been done.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Equifax and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX and XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-27
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. (NY)

After reviewing my credit report on Equifax, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Consumer complaint received 2022-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE ON MY CREDIT REPORT
Consumer complaint received 2018-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OH)

I have multiple hospital bills and they're all now with Transworld System " dept collecter agency '' ... in all my visits to the hospital I've been seen for emergencies and since the first visit when the financial assistance came to take my insurance information I told her I don't have insurance so she told me you could apply for HCAP which is an insurance can cover patients who have low income! and after I gave her my information she said that I'm eligible for % 100 coverage and I will not receive any bills ... so when these Bill 's reported on my credit report I contacted the hospital and they said it was a mistake from the financial assistance that she provided me the wrong informations!!! so now I'm stuck with multiple Bill 's for the hospital and I can't even pay it
Consumer complaint received 2015-03-31
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I had a credit card with USAA bank and defaulted on the card. I called USAA bank to settle and they told me that I cant because they wrote it off as bad debt and they sent me a XXXX back in 2013. They sent it to an old address.I requested a copy but they still are reporting a balance on all XXXX credit bureaus.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA (FL)

I have the Apple credit card through Goldman Sacks. 
On XX/XX/XXXX, there was a charge of {$300.00} from a company called XXXX. 
This was a charge I did not make and I immediately called Apple Card, they put the charge under review. On XX/XX/XXXX I was charged again, Apple said they ruled in the favor of the merchant. I have called at least 6 times and can not get this resolved, all they say is we understand your frustration. 
XXXX is a food delivery service, that does not deliver any-where in XXXX XXXX Florida.
Consumer complaint received 2020-04-27
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: General Motors Financial Company, Inc. (VA)

XXXX XXXX XXXX located in XXXX va has gotten a hold of my number and I never gave my number to them which is wrong. they calling about the gm financial debt that I have tried resolving with gm financial but they never called me back, this XXXXXXXX XXXX is attempting to collect a debt in the midst of a crisis which WRONG!!!! I told them I can pay {$30.00} a month only and they tell me that's not going to work.