davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Earnest Inc. (TX)

Hello, I received an email on XX/XX/2022 that stated my previous XXXX loans would be forgiven and or reimbursed. However, my challenge is that my loans were consolidated to a company called Earnest ( Now owned By XXXX  ). So I am still paying these loans monthly. When I called both the Federal Student Aid and Earnest about this issue. No one would help me with a solution of getting this resolved. 

I provided proof of the original XXXX loan and proof of my continued payment toward these charges. 

Millions of people who suffered the hardship caused by XXXX more than likely consolidated these loans to bring the ridiculous monthly payments down. It is unfair to not apply these individuals under this forgiveness or not work on their cases to reimburse for such loans taken out. The original loan was started with XXXX and should be treated the same way from a forgiveness standpoint.
Consumer complaint received 2022-01-05
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. (AR)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX Balance : {$9100.00} XXXX FCU XXXX Balance : {$0.00}
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

XXXX  XXXX has now went against law and beyond his legal means to now STEAL MONEY FROM MY BUSINESS ACCOUNT... 

TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX TRANSACTION XXXX - XXXX Check # XXXX Total of = {$19000.00} To pay off personal debt... The money in my business account is clear and true and was in the account for over a month. He illegally froze and leveraged that money against my will with no authority. No messages or information pertaining to the reasoning behind it was offered ever. I had to jump through hoops for over a XXXX weeks to get ahold of XXXX XXXX who then told me she was instructing the bank to close the account and issue me a cashiers check prior to this branch manager stealing the money today to pay off personal debt of mine. IT's now cost me my business and livelihood. My business is now fallen and i have no way to pay for food or personal expenses or business expenses. 

The law states If you are an owner of a corporation or LLC, you are a separate entity from the business, and the business isn't responsible for your personal debts. In a corporation, a creditor with a judgment against a shareholder could end up controlling the business, as you'll see below. By they way they never took legal route to do so or had any judgements or civil authority to do this. 

For example, a creditor with a judgment against an LLC member can come after any distributions that would have been made to the member, but not the member 's share of ownership in the LLC. Most states will not order a forced sale to pay the debt. 
. 

Liability for corporate shareholders is different from that of LLCs because the shares of stock they own in the company are considered personal assets. A creditor with a judgment against a corporate shareholder can take the shares of stock the shareholder owns, and along with it, the voting rights granted by those shares. If the debt is large enough, and the shareholder owns a majority of the stock shares, the creditor can take over the company and even force it to be liquidated. 

The above referenced is the ONLY the bank had the authority to take money from my account to pay for personal debt with them. THIS IS A VIOLATION OF THE LAW BOTH CRIMINAL AND CIVILLY BY this branch manager. XXXX XXXX.
Consumer complaint received 2024-12-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

XXXX XXXX turned a debt over to a credit agency XX/XX/XXXX for a debt claimed to be owed from XXXX under my maiden name. I was a customer with them for many years. I went to XXXX and requested they check my account. They confirmed I did not owe anything and had nothing past due. They also confirmed that at no point did I have any charges that could possibly equal the {$160.00} they have listed as owed on my credit score. They even sent me a {$12.00} refund in XX/XX/XXXX when i cancelled their services. I never received any email or mail request to pay any past due balances from XXXX or the debt collection agency, XXXX XXXX XXXX. Phone number showing XXXX on my credit report. I requested paperwork be sent on XX/XX/XXXX and nothing has been sent. I provided my actual email Address and my phone number because nothing that had matched up with my information. Clearly showing that it was not me that had this account, but that wasnt enough to help.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have repeatedly over several years asked the Bank of America to reduce its interest rate as I can not afford to pay its high interest rate. 

My belovend wife XXXX and I live XXXX XXXX XXXX XXXX  and we can not at all make ends meet and now with soaring inflation! 

But the Bank of America refuses to work with me to resolve this very serous financial problem! 

I SHALL DECLARE BANKRUPTCY IF NECESSARY!
Consumer complaint received 2022-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (NY)

My mortgage company incorrectly sent a payment to an insurance company that does not ensure the property that they hold the mortgage for. They basically double-paid for another policy. They used a policy number and amount that correspond to a different policy. They incorrectly paid {$3300.00} out of my escrow account and now won't refund or get the money back. please see attached the policy number does not match this address.
Consumer complaint received 2021-08-25
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. (TX)

I have contacted the third party entity XXXX Risk Solution to provide original signed documents of oath of who can testify an alleged bankruptcy on my credit file and they have not sent any proof or documentation of any method of verification. I contacted Transunion and filed a dispute of this alleged bankruptcy and they put me on hold and muted the phone several times. Transunion is not cooperating. Transunion and XXXX is violating my rights under FCRA reporting inaccurate information on my credit file. Pursuant to Texas Code of fair credit reporting, Transunion has violated my rights of not cooperating to investigate the alleged bankruptcy and also violating my rights of reporting inaccurate information to harm my personal credit. As a consumer I have the right to request that Transunion and XXXX Risk Solution Center furnish a notification of deletion of the inaccurate disputed information of the alleged bankruptcy. In an effort to resolve the disputed alleged bankruptcy, XXXX Risk Solution emailed me and asked for my social security number, driver 's license and address. This third party entity is asking for my personal information to sell my data and to pretend as if they had my identity information to report on my file. I have not given XXXX authorization to my identity neither to report anything on my credit file. I have the right to file civil lawsuit against Transunion and XXXX for damaging my reputation and credit as a consumer.
Consumer complaint received 2022-04-05
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. (LA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2023-04-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (TN)

Over XXXX $ worth of charges to my cash app card that was tied to my bank account by a company called XXXX XXXX XXXX XXXX XXXX. These are unauthorized charges to a social casino. I was instructed by cash app to file disputes for these charges and there are lots of them most are only XXXX $ and up to XXXX $ at a time. So there is a ton I was told to dispute each transaction which took forever but then the denied them, they told me to refile the disputes 2 more times but still denied them. I contacted the merchant ( XXXX  ) they have instructed me and emailed me back stating they are not disputing the refunds they simply are waiting for cash app to send the charges back to them and they will refund them back to cash app and then they can release the funds back to me. However, I can not get anyone from cash app to help me. Everytime I call, email or chat with cash app they are just giving me the runaround. They say XXXX needs to initiate the refunds, XXXX states cash app needs to. Meanwhile as I live in XXXX XXXX tn where we were just hit with a EF3 tornado and left in peril I tell you this is ridiculous. Ive shared all the information from the merchant with cash app. Im told a supervisor or manager will reach back out to me but I never hear anything, I call and email but only response I get is a standard email that accomplishes NOTHING. I think its because there are so many of the transactions that neither cash app or the merchant want to take the time to actually issue the refunds. Thats my guess. However the merchant has emailed me several times telling me that cash app can reach out to them directly to facility the refunds but hasnt received anything from them. Im attaching some of the charges not all because its so many but they have all this information and including the email responses from the merchant
Consumer complaint received 2022-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TransUnion is in violation of 15 U.S.C. Section 1681 ( I ) of the FCRA. XXXX XX/XX/12 XXXX TransUnion failed to comply with my request to provide proof of their investigation. ( Description of Investigation ) The FCRA XXXX XXXX  clearly states that a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) not later than 15 days after receiving a request from the consumer for that description, TransUnion has repeatedly failed to do so. TransUnion has failed to provide proof of their investigation, and ignore proof that the following account contains errors. XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WY)

I have been attempting to get an Equifax Credit report for 6 Months. At first I was being told that there are Discrepancies in my personal Information so I filled a dispute with updated information through the mail. I heard nothing back for 1 month so I called consumer care again to check the status. They claimed to have never received the letter to I again mailed another copy of the same letter in XXXX. Again after a couple months no correspondence had happened. The 1st week of XXXX I Faxed a copy of the same letter instead of mailing it. After a week I called to get an Update and make sure they received the documentation. They pulled it up confirming they got the Fax and then claimed that I did not have a credit file with them and that my lender likely wasn't sending them batch reports with my Tradelines. Also that they mailed a letter to me XXXX XXXX in response to said letter, which I have not received two weeks later.. I continued to call my lender and they assured me that they send the same batch report to ALL 3 of the main Credit Bureaus. Both myself and my Lender reached back out to Equifax to find out why they weren't reporting my tradelines when they were being sent to them for the last 9 months. Upon doing so both our attempts were thwarted once again with Equifax Consumer Care Agents refusing to help find a solution to resolve the problem at hand by simply stating that my Lender isn't sending them anything. My Lender then put together a letter of their own with the Errors they got when trying to pull an Equifax Credit Report for me along with a copy of the same letter i had been sending Equifax for the past couple of months. They continue to take zero responsibility for the problem being on their end and continue to blame my Lender. When I first encountered an issue trying to get a home loan in XXXX of XXXX  the bank said that another persons name to whom I have no affiliation popped up in the Social Security Field. However, this bit of information Equifax has also not said a word about. Equifax continues to deflect this matter and are extremely unhelpful in investigating what has been going on.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I received a text claiming to be US Bank about a fraudulent charge on my account on XX/XX/2022. Someone called me from the US Bank number claiming to be a representative from US Bank who wanted to help me sort this out. They had my name, account number, my recent transactions, and account balance which they stated back to me. They told me in order to protect my funds I needed to XXXX money to myself. I XXXX two transactions of {$800.00} and one of {$700.00} to my own name and they intercepted the funds and stole it from me. They had already hacked my account and had all my account information so I think some responsibility needs to be with my bank. If they had not had all my information and repeated it back to me I wouldn't have fallen from the scam.
Consumer complaint received 2022-11-30
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. (VA)

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

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  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 also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-24
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: Klarna AB ()

I ordered from XXXX XXXX XXXX XXXX ( XXXX  XXXX  deal with this ) After months they contacted me and told me they can not fulfil fill order - so cancel it. 


The credit company I used KLANA have had the refund but not refunded me as promised. 

In the time it took waiting for my order I'd paid 2 of the 3 installments totalling XXXX I am still waiting for this to be refunded. 
I received an email to say they had sorted it but still after waiting no refund has arrived. 
Their customer service is poor Bizarrely there seems to be an XXXX charge still on. Although I received non of my order.
Consumer complaint received 2022-11-30
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. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 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 a reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

i have previously reached out to Helvey & Associates and also XXXX XXXX to correct the account status reporting inaccurate. this account has been paid and it's still reporting derogatory status. this is stopping me from improving my credit scores. i have attached the proof via receipt that this account has been paid XXXX XXXX. 

Helvey & Associates - Acct XXXX - delete this account because account status reporting inaccurate. 

Payment confirmation # XXXX
Consumer complaint received 2021-06-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (FL)

BB & T refuses to close my checking and savings account. 

I have contacted the company asking them to close the account by the following methods : 1. By certified mail on XX/XX/21. 
2. By email on XX/XX/21 3. By phone on XX/XX/21, XX/XX/21 and XX/XX/21. 
4. By secure message ( through BB & T 's online portal ) on XX/XX/21, XX/XX/21, XX/XX/21 and XX/XX/21. 

Section D.8 of the Bank Services Agreement provided during application of the checking/savings account states the following : RIGHT TO CLOSE ACCOUNT. You or the Bank may close your account with or without cause at any time. 
... 
You may close your account at any time but must first notify the Bank in writing, or by contacting one of our financial centers, of your intent to close the account. Your failure to notify us may result in additional fees or charges on the account and you shall remain liable for any items in process. '' Despite being notified no fewer than 9 times, BB & T still refuses to close my account. Furthermore, BB & T opened this account with no intention of providing banking services and with the only intent of drawing initial funding from a non-BB & T checking account.