davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NC)

On XX/XX/XXXX my account with cash app was charged a dollar by a company called XXXX then the canceled it then on XX/XX/XXXX XXXX made XXXX fraudulent charges to my account total approximately XXXX, XXXX charges of XXXX two charges of XXXX two charges of XXXX one charge of XXXX and one charge of XXXX starting with first charge at XXXX and the XXXX charge ending at XXXXXXXX. When I started this dispute with these charges the website would not email the appropriate steps/forms to take cause they never got to me that was told would help me start the process, never arrived. The phone number they gave me from a automated online chat would go to a voice message that they were inundated with calls and to use the online chat to get to a agent virtually and then hangs up on you. I was finally able to get the needed item sent to me using a different email. So they put these disputes in review. They were supposed to touch base with me and I never received a call or email telling me what's up till I kept trying to contact them through the chat portal and finally got thru and they told me my items were in review. I don't know exactly when the gave me the refund since on the platform it doesn't give me this and one of the XXXX charges is still not refunded to me do to it still being in review. Ever since that day I have sites trying to hit my account for money. They then proceed to deactivate my card due to high dispute rate and say they can't give me any further information?!! I was just disputing fraudulent charges from a dishonest site and the lock my card?! I've never gone over my funds or had any other problems till that day. I've continued to try contacting them but all they say is that the card is deactivated and can not be changed at this time. I've tried calling multiple times to be hung up on. And it seems they care more about the vendor than the consumer. And when your on the chat portal it's always an initial automated response say they had to forward to a customer support agent and it may take several hours. Then once they respond the answer are very vague and give you no other help. I'm just trying to get all my money back as I am XXXX  and on XXXX.
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OH)

National credit adjusters LLC I seen this debt on my credit report so I contacted them on XX/XX/XXXX spoke with representative and asked to settle this account for 50 % of {$450.00}. She replied saying she would check with manager, I was placed on hold when she returned her reply was with instructions to email her manager with this agreement, I did this was XXXX when I sent email. I received response back stating I must have payment in office by no later than XX/XX/21 or the agreement would be void and do I agree. I sent email back stating I dont agree I need time and me reaching out to them on my own free will was to see if they would even accept my offer to pay 50 % of debt and thought after they accepted we could work out a time and date frame too when they could expect payment. Which in email I stated before or by XX/XX/XXXX the latest. I also reminded the manager we are in the middle of major pandemic. 

People have lost jobs and some have had hours cut, I fall in that category as a front line worker I would think they would be respectful and pleased that someone is taking some responsibility to try and settle their debt. Companies of this sort are purposely holding people back keeping them from being able to move forward. I feel there response was a passive aggressive response and it make me think how many others they are treating this way using this bully tactic.
Consumer complaint received 2021-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

The score that XXXX supposed to report correctly in my credit monitoring account - XXXX  is incorrect. The number that shows on my credit monitoring is XXXX and that is unacceptable. I have sent a letter to Equifax to let them know about this issue. I still haven't got any response until now and the score that is showing is the same.
Consumer complaint received 2021-10-26
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. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :
Consumer complaint received 2021-02-25
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. (SC)

In XXXX of 2019 XXXX removed a charged off account from XXXX XXXX in the amount of {$19000.00} because the company couldn't validate the debt as mine. I have since tried to remove the account again because it showed back up on my credit profile two months later with a different account number and the charged off amount being a dollar less ( {$19000.00} ). I have reached out to XXXX XXXX again asking them to provide me with the information used to validate the account and they keep sending me a paper to fill out my information and sign. They have not validated the information with me but XXXX and equifax keep saying the account is valid and when I ask for the method of verification, they do not respond. They also have my grandfather as the authorized signer and he is diagnosed with XXXX. They have reached out and contacted him and I am afraid they are taking advantage of his mental state
Consumer complaint received 2022-06-23
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: OneMain Finance Corporation (MD)

They claim I was sent the loan offer online which is a lie, I wouldnt apply for a loan if I cant pay it back. My information has been compromised over 4 years. It doesnt matter if they have my correct address. I would like to see the paperwork where I signed this loan or applied. With my signature. They did no investigation. 
I DO NOT WANT A EMAIL FROM THEM. I WANT THEM TO MAIL A COPY OF THESE 2 CREDIT CHECKS AND I WANT THEM TO STOP EMAILING ME
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

XXXX XXXX XXXX XXXX {$2100.00} ITS ALL THREE OF MY REPORT XXXX, XXXX, XXXX. ISENT A DEMAND LETTER TO VALIDATE THAT THIS ACCOUNT BELONGS TO ME. THEY SENT ME A BILL ONLY I REQUESTED SOMETHING THAT WAS SIGNED BY ME
Consumer complaint received 2021-02-25
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. (CA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2022-12-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I lost {>= $1,000,000} to a wire scam. A group of people impersonated XXXX and XXXX police, they reached out to me and claimed that my identity has been used to create several accounts ( that I am not aware of ) for money laundering and I was pressured to wire money to their accounts so that they can investigate. I fell into the trap because they provided very detailed information about me and my family ( to get my trust ) and they also stalked me ( to make me fear ). 

They pressured me to wire {>= $1,000,000} to Bank of America on XX/XX/XXXX and the suspect confirmed that they received them on the same day. 

I realized it was a fraud on XX/XX/XXXX and contacted XXXX ( victim bank ). They helped me initiated wire recall on XX/XX/XXXX and also created new accounts for me. They said the wire recall would take XXXX business days.
Consumer complaint received 2022-12-28
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)

Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my Equifax and XXXX credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. Equifax completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from Equifax that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with Equifax and uploaded the emails from XXXX. I then contacted XXXX and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Consumer complaint received 2022-11-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Kikoff Inc. (TN)

Ever since sometime during the last week of XXXX I have been trying to contact Kikoff to discuss my XXXX due dates of the XXXX and XXXX and why I could not make a payment or add a new method of payment and all I have received are excuses and " we will email instructions on how to do this '' when I have explained to them at least 30 times the website and app is not allowing to do this and there is nothing I can do about it. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 10 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. 

Now my account is a month overdue and I am sure they are not gon na have a single problem reporting me to the credit bureaus even though I have tried everything within my power to pay on time.
Consumer complaint received 2024-08-27
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. (FL)

This morning, I was shocked to see inaccurate accounts on my credit report, and I can't figure out why. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. I am deeply concerned and request a thorough review of the documents Ive sent, so I can finally have peace of mind.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Around XX/XX/2022, I discovered that XXXX is continuing to report me for owing them for XXXX of XXXX student loans I had with them. Both of the loans I had with XXXX transferred to XXXX  in XXXX of 2022 and then to XXXX on XX/XX/2022 as a part of my Public Service Loan Forgiveness process. What alerted me to the inaccuracies on my XXXX and TransUnion credit reports is the increase in the amount I owe for student loans. The amount increased from {$160000.00} to {$220000.00}. XXXX is still reporting me as owing them {$59000.00}. This is not accurate. I no longer owe them anything. I disputed the inaccuracy with all XXXX credit reporting agencies. XXXX completed their " investigation '' in less than XXXX weeks and stated my loan with XXXX was accurate. I then contacted XXXX and explained what I was seeing on my dispute report. The XXXX representative stated she didn't know why because " they '' haven't reported anything on my credit report since XXXX, 2022. I told her that I could see on the report from XXXX that XXXX DID report that I owed them {$59000.00} in XX/XX/2022 and again in XX/XX/2022. I then told representative that I needed something in writing to show that I have a XXXX balance with XXXX. The representative told me she could not send me anything like that through email. I then informed her that XXXX did send me a transcript of what I paid them throughout the years through email without any issues. I then asked her if I should contact the XXXX XXXX XXXX and within a few minutes, I received XXXX separate emails from XXXX stating I paid off my XXXX loans with them. I then did another dispute with XXXX and uploaded the emails from XXXX. I then contacted TransUnion and XXXX and there have still been no changes. This has caused my credit score to drop XXXX points. The credit reporting agencies are not doing their due diligence to help me ( as a consumer ) with this XXXX inaccuracy. I have also reported this to my state 's Consumer Protection Division.
Consumer complaint received 2021-02-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IN)

I signed up for a crypto account with Binance.US, transferred about $ XXXX crypto coins to the account on XX/XX/21 from another crypto exchange wallet and began trading. I deposited {$760.00} and then another {$10.00} from my bank account on XX/XX/21 to purchase additional assets. I made a final deposit of {$600.00} from my bank and purchased more crypto on XX/XX/21. I received an email on XX/XX/21 stating that the {$600.00} deposit had failed. Im still unsure why my bank declined the transaction, but thats a separate issue. The issue here is that my entire account has been locked into those crypto coins I had purchased on XX/XX/21 with now way to close my position. This is not just the crypto purchased with the failed {$600.00} deposit, its the whole account. I only deposited {$1300.00} from my bank, but Binance.US has locked the whole $ XXXX in total deposits including the crypto I transferred from XXXX and XXXX accounts to my Binance.US wallet as well. That money has nothing to do with the {$600.00} deposit in question. My account has since fallen from a peak of about $ XXXX to less than my initial $ XXXX investment in the 4 weeks my account has been locked and there is nothing I can do. Trouble ticket has been in for 4 weeks with no response. ( They tell you following up on trouble tickets automatically move you to the end of the line ) XXXX and DMs to the Binance.US Support account have gone unanswered and instead of offering support, the official Binance.US XXXX account blocked me and reported me as spam ( temporary locking my twitter account ) as retribution repeatedly asking for support on their page. I am not the inly person they blocked for this. Binance.US does not appear to be able to fulfill the support obligations that come with accepting and holding a customers money, and they are forcing losses on customers because of their inability to answer/resolve support tickets. Even worse, they dont seem to care that their action are costing customers a great deal of money. This is not the action of a legitimate company. At this point I have to conclude that they are a scam. They are not only willfully refusing to employee enough people to meet support obligations, in blocking my ability to publicly ask them for assistance on their XXXX page they are deliberately choosing to ignore my please and force losses on my account instead of helping resolve the issue. This company should not be allowed to handle money in the United States.
Consumer complaint received 2021-07-15
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Performant Financial Corporation (MD)

Called regarding changing payment details for state tax debt they have and they did not inform me that they no longer hold the account. When requesting number for state to find out how to pay balance due, " customer service rep '' got an attitude and hung up before providing information. 

Called back and put on hold and hung up on again.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I have the XXXX XXXX card issued by TD Bank. I had an expiring deferred interest plan expiring on XX/XX/XXXX for {$120.00}. I made a payment in this amount exactly on {$120.00} to avoid deferred interest. TD did not apply this payment to the plan and instead applied across my balances. I tried multiple times to call them and their hold times were extended due to COVID. I finally spoke to an agent on XX/XX/XXXX and she told me she was not able to resolve the problem and redirect the payment because it had been more than 60 days since the payment was made. 

This is a billing error and TD should be able to resolve this regardless of when i notify them. Terrible service
Consumer complaint received 2023-05-26
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. (GA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-28
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. (GA)

TransUnion is reporting an unverified Chapter XXXX bankruptcy since XX/XX/2016 with a reference number of XXXX. It shows as dismissed and never discharged. I checked with the North Georgia Bankruptcy Count where I live and they informed me that they do not share any information on bankruptcies and other public records with any credit reporting agencies. Therefore this bankruptcy information may have been acquired unethically without proper verification. 

I have disputed this items several times and it has been removed from XXXX  and XXXX  for inaccurate reporting.
Consumer complaint received 2020-08-27
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. (GA)

Experian should not be reporting that I am ( 60-150 ) days late on the XXXX XXXXXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-07-29
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)

So I sent a letter off on XXXX XXXX .To remove personal information that I don't want on my credit report.According to the fair credit reporting act. 15 USC 1681 .I have the right to privacy .And also According to 15UCS 6802 NO finacial institution is ever suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.