davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (IN)

I've received 3 phone calls and now they are mailing stuff to my address for my son who has not lived with me in 5 years. I told them on the first phone call he doesn't live here and I don't even know if he has a phone. I told them the same thing on the second phone call and told them to stop calling me. They've attempted to call my husband several times while he was at work and couldn't answer. They called a third time and I told them I was over their harassment. They are mailing things to my home that look like junk mail that are bills for my son. The company calling is XXXX XXXX in XXXX, FL.
Consumer complaint received 2023-04-14
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. (NY)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX  XXXX Date XXXX Balance : {$0.00}
Consumer complaint received 2022-05-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: URS Holding, LLC (GA)

Alltran financial is trying to recover XXXX for XXXX. I was a part of class action lawsuit against XXXX. As part of XXXX settlement agreement their report was removed from all credit bureaus, I received a small check and it was agreed by XXXX no further attempt would be made to pursue. I have tried to contact XXXX  and alltran is aware yet continue to call and threaten me
Consumer complaint received 2022-02-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA 1640 OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO 1692K.
Consumer complaint received 2022-02-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

I've mailed Debt Validation XXXX Letters to XXXX, XXXX, and Equifax dated XX/XX/2022. I also sent Method of Verification Letters regarding the negative items reported in my account. No one has responded for more than 30 days. I disputed it for lack of accuracy for the negative items added to my account
Consumer complaint received 2022-05-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (KY)

I have disputed this 3 times. They are reporting duplicate debts of {$300.00}, also listing it as unpaid. It is paid, and they should not continue to report duplicates. They were also doing this with a {$39.00} dollar charge, but finally they removed that duplicate, still not listed as paid though. 


Collection Agency XXXX XXXX  Original Creditor Name XXXX XXXX XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$300.00} Amount {$300.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code XXXX  Account Number # # # # # # XXXX Creditor Classification XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-18
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. (GA)

This is many attempts of solving a problem with Equifax allowing this subprime lender to deliberate make negative points on my credit report, Equifax and XXXX XXXX have just had a lawsuit against them for these same actions, they are in together supplying misinformation, I have filed many complaints against these two, I am going to seek legal advice to put this to rest, both of these companies are very very horrible companies
Consumer complaint received 2022-02-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GOLDMAN SACHS BANK USA (FL)

I was denied an apple credit card on the date of XX/XX/XXXX through the bank Goldman Sachs which is extremely inconvenient due to the fact I am the original creditor pursuant to 15 U.S.C. 1692a ( 4 ). I know that it is unlawful for alleged creditors to discriminate to consumers in the midst of a credit transaction pursuant to 15 U.S.C. 1691 ( a ). I am aware of the duties of the bank taking adverse action, the XXXX was unable to provide me with specific information regarding why the adverse action was taken.
Consumer complaint received 2022-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (FL)

Robinhood is keeping my XXXX benefits XXXX saying their doing an investigation because of reversals that was done by my ( persona ) bank, they claim they are doing an investigation but for a month? & then at that its my account & I cant use my own money, Im getting unemployment benefits due a reason how am I supposed to eat or make a living? I use Robinhood to trade as well please help .i sent the company all documentation needed & everytime i emailed they said theyll let me kno when its done being reviewed! What takes a month plus more to review I have XXXX in my Robinhood Spend account that I recieved from unemployment XX/XX/2022 & since that day Robinhood never gave me access to my funds.
Consumer complaint received 2022-02-17
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: Choice Recovery, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : You are reporting and publishing inaccurate information ( tradeline ) AND ( inquires ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 


CHOICE RECOVERY XXXX I request that you delete the above-listed tradeline, inquires and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX XXXX --
Consumer complaint received 2022-02-18
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC. (AZ)

XXXX had a promotion to open an AXOS XXXX XXXX XXXX account with {$250.00} or more in initial funding and receive a {$75.00} bonus. 

XX/XX/XXXX : I opened and funded the AXOS XXXX account with {$250.00}. Per the XXXX terms, the {$75.00} bonus would post in 30 days. 

XX/XX/XXXX : 30 days have passed and no bonus has posted. 

XX/XX/XXXX : The {$75.00} bonus still had not posted so I contacted XXXX support. From XX/XX/XXXX to XX/XX/XXXX I have had constant back and forth email messaging with XXXX support with them not paying out the bonus, despite me showing them a screenshot of my AXOS XXXX account being opened on XX/XX/XXXX and funding it with at least {$250.00}. XXXX continuously informs me they are waiting for AXOS to confirm that I opened the account. 

XX/XX/XXXX : I messaged AXOS customer support asking them to verify with XXXX that I did in fact open the Savings account. 

XX/XX/XXXX : AXOS responds informing me that the promotion was not being offered by them and to contact XXXX. 

XX/XX/XXXX : I am now filing this CFPB complaint to see if I can reach a resolution with Slickdeals where they pay the {$75.00} bonus.
Consumer complaint received 2022-05-31
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. (NC)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.Accounts ; XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00} Equifax : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2022-05-31
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)

In accordance with the Fair Credit Reporting act 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 2022-02-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: SOUTHSTATE CORPORATION (FL)

I tried to open a new account with a different financial institution and was denied due to identify theft and south state has falsely added me to the company XXXX XXXX If this issue is not resolved I will seek legal action against south state bank. And I know no one was involved with this situation but south state because of the nasty encounter that I had with a employee at a south state location prior to me closing out my account this was the last bank that I had.
Consumer complaint received 2022-08-24
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. (IL)

XXXX accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

My mother, XXXX XXXX, and I, XXXX XXXX XXXX, hold a joint checking account with Wells Fargo Bank. My mother receives a monthly Social Security direct deposit to this account and has for years. I have a Power of Attorney for my mother, and I manage her account. 

The XX/XX/2022 Social Security of {$1900.00} was not deposited. I subsequently learned that her nursing home illegally diverted this amount to the nursing home Wells Fargo bank in Arizona. Social Security confirmed this as fraud, and gave me the routing and account number for the Arizona Wells Fargo account. 

I called Wells Fargo fraud twice to request a copy of the document that allowed them to divert this money from the California joint checking account to the Arizona account. They refused my request both times. 

I believe as an account holder I have the right to request and receive this document. Please advise. Thank you. XXXX XXXX XXXX
Consumer complaint received 2022-05-31
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC. (KY)

I am an XXXX XXXX XXXX and at the time of the two isolated incidents, was stationed at XXXX XXXX in South Carolina. On two different occasions, Ally Financial violated my SCRA rights and attempted to repossess my vehicle. The first incident a tow truck was sent out without any knowledge on my end. I was never served with a court date as required by SCRA. Ally financial was aware of my financial situation changing due to me separating from my then spouse and they were also aware of my XXXX status. These two violations of my SCRA caused unnecessary stress and hardship on me.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

In accordance with the FairCredit Reporting Act. Synchrony Financial has violated my rights. Under 15USC1681 section602 states i have the right to privacy. 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on credit card account under an open installment plan as late.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

In accordance with Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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 2022-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (PA)

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 

XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-31
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. (MI)

I sent 4 registered letters to Equifax, XXXX and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion Equifax opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if Equifax contacted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.
Consumer complaint received 2022-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (UT)

Today, I noticed a drop in my XXXX score from XXXX to XXXX. I investigated what caused the drop and discovered that Barclays had reported my account as delinquent at least twice over the last few months. I paid my Barclays card off months ago and have not since used it ; therefore, I do not have an autopay set up, nor do I check the account for charges since I know I am not using the card. 
Apparently, on XX/XX/2022, XXXX XXXX charged {$6.00} to an expired Barclays card on my file. The card was EXPIRED and therefore no charge should have been allowed. I was not aware it was still one of my payment methods with XXXX, as I would assume expired cards are dumped ( apparently not ). I do have 4 cards on file with XXXX that are not expired and any of them would have covered this charge. 
As I was not aware of the {$6.00} charge, and do not monitor the Barclays account because I do not use the card, I have now been charged over {$48.00} in delinquent fees and have been twice reported to the credit bureau, causing a XXXX point drop on my XXXX XXXX. 
It is my belief that Barclay intentionally allows small payments like this to be charged to an EXPIRED card with the purpose of collecting on the late fees charged to people like me, who think their card balance is zero and will cough up a few months of fees to avoid the hassle to resolve it. 
My complaint would be with both Barclays for allowing the charge, and with XXXX XXXX for charging an expired card when I had no less than 4 cards in good working order on file as payment methods. 
XXXX was kind enough to refund the {$6.00}, but they can do nothing about the sabotage done to my XXXX XXXX, or the {$48.00} Barclays charged me ( snickering all the time, I suspect ). 
I guess I'm just a sucker for being unaware of these shady business practices and I was made painfully aware by both companies today that the impact on me/ my XXXX XXXX means nothing to these behemoths.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Comerica (TX)

I bank at Comerica in XXXX, TX. I have a Home Equity Line of Credit along with a linked checking account.

I made a payment to my loan from my checking account on XX/XX/XXXX in the amount of {$150.00}. On XX/XX/XXXX an autopay posted to my loan in the amount of {$100.00} overdrawing my checking account. I was not aware that this autopay was still in place, as it was left over from a loan I had paid off in XX/XX/XXXX. I was then charged a {$26.00} overdraft fee on XX/XX/XXXX and less than a week later, charged a {$6.00} overdraft fee.

I called Customer Service on XX/XX/XXXX and asked XXXX to cancel the autopay and credit the overdraft charges, as it was the autopay that overdrew my account. Apparently, it is not easy to cancel an autopay at Comerica. He gave me a provisional credit and put a form, called an ACH Written Statement of Unauthorized Debit, in the mail for me to sign.

When the form didn't arrive after a week, I called Comerica yet again, on XX/XX/XXXX. This time the banker, XXXX, was able to cancel the autopay. When looking at my account a couple of days later, I saw that I had been charged a {$34.00} fee for the autopay cancellation.

I called Customer Service, again, on XX/XX/XXXX and after confirming with XXXX, the first banker who answered, that Comerica charges a {$34.00} fee for autopay cancellation, I asked to speak to a supervisor. XXXX came on the phone and confirmed again that there is a {$34.00} fee that she could not credit. After much discussion back and forth, she asked if I would like for her to give me a one-time courtesy credit.

Is it even legal for a bank to be able to help themselves to one 's money like this. Nowhere did I get a notice that there would be {$34.00} cancellation fee, either verbally, written or online. Neither was there a notice in the ACH Written Statement of Unauthorized Debit form, which I eventually received.

Each time I called Customer Service, I waited a minimum of 45 minutes on hold for someone to answer. And after a banker answered, each conversation was a minimum of 30 minutes. Why should my precious time be wasted on trifling jobs that could be solved in 5 minutes. Comerica created the problem and then charge me for it.

I find it very troublesome to have had to call Comerica Customer Service so many times. It is an unprecedented lack of service.