davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-02
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (GA)

Myself, and the purchaser of the card are military veterans, it was a gift, meaning I do not have the receipt. It is part of the scam the company keeps insisting on perpetrating in order to drag it out. I feel confident it is an inside job because the card was a gift from last holiday and had not even been removed from the sleeve until this year when it was registered on the company website, though it carries a XXXX logo! It was only shortly after registering it that malfeasance occurred with the card! When I checked on XX/XX/23 the card had full value of {$100.00} when I attempted to use the card on XX/XX/23, I was told the balance was XXXX dollars and change. {$94.00} had been charged on the card, without it ever leaving my wallet of possession, hence what is the access point? The registration point for the host company, Blackhawk Network California Inc. These companies have shelf space in every store in this country, therefore in every sense are aided and abetted in committing fraud, when they sell the product, and when customers register it, with someone committing theft on the other side! For the record, there was news coverage in the city I am near about multiple acts of theft this way with other victims telling their stories. And yet, the system continues to enable it. As the other victims, I will never buy, and I will inform others to never buy a gift card again!
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Capital Solutions LLC (TN)

XXXX XXXX : XXXX At approximately XXXX central standard time XXXX XXXX XXXX at Orion Capital Solutions , LLC contacted XXXX XXXX regarding my debt, and without validating that she is speaking to the correct person released the last 4 digits of my social security number and emailed a PDF of a document containing my full name, address and debt information. This is a clear breach of my personal information as the agent never validated she was talking to me and not a XXXX party. 

Here is an approximate transcript of the phone conversation : XXXX : Is this XXXX XXXX? 
3rd party : what is this regarding? 
XXXX : before I can discuss this further I need to validate I am speaking to the correct person. Does your social end in **** 3rd party : yea, what is this regarding XXXX : this is an attempt to collect a debt XXXX then proceeds to share details regarding the alleged debt. The 3rd party asked if a copy of the information is available. The debt collector then proceeds to email a copy of a statement containing my full name and address to the 3rd party.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XX/XX/2023, I submitted an online completed application to XXXX XXXX XXXX. On XX/XX/2023, I had visited the property in person ; and XXXX gave me a mini tour of the apartment unit. 
Upon submitting the application, I had to pay {$300.00}. ( See images ) {$50.00} Application Fee ( non refundable ) {$250.00} Administration Fee ( Refundable if not approved ). And at the very end, a surprising {$5.00} was added. By the week of XX/XX/2023, I was informed I was not approved. So, I requested a receipt of my {$250.00} refund. By XX/XX/2023, I received a call from XXXX ( I might be spelling her name wrong ). She called to confirm mailing address and disclosed the check number was # XXXX for {$250.00}. 
XXXX ( the owners of Luminous ) are located in XXXX. I'm in XXXX. It's been over two full weeks. No check has been placed in my XXXX XXXX. XXXX at the Post Office alleged on Friday, XX/XX/2023, they place my mail in my box as it arrives. 
In conclusion, I'm starting to think XXXX never mailed anything or the XXXX Employees are holding my mail or they placed my mail in the wrong box. Either way I'm entitled to my refund before the 30th business day. Therefore, at this point, it's best {$250.00} gets credited back straight into my personal checking account ; and we can cut the chase today. 
Please have XXXX, XXXX XXXX XXXX, credit my account. I called them twice asking for the tracking number, and nobody has called me back. 

XXXX XXXX XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American International Finance, Inc. (FL)

On XX/XX/XXXX after finishing work I was on my way home, two people stopped me crossing the road and captured my car. 

Tomorrow I will update the dealership on this flight. 

After two days I went to the dealership to collect my car, he refused to give me the car and then sent me my credit report
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

COMPLAINT ID XXXX Through CFPB, I was able to get a response from the bank however they did not investigate the matter in detail. 

I received a response back through CFPB from US bank regarding my business checking account. The original complaint was that I did call before I've opened up a business checking account with a promo to make sure I did qualify. Upon recieving an approved answer from the representative I've opened up the checking account. Before I've deposited the XXXX dollars needed qualify for the promo I did call yet again to make sure I did qualify. 

I've spoke with 2 different representatives to make sure I did qualify. 

Also. I've called after 60 plus passed days to make sure I was going to be receving the promotional offer. In which the representative yet again was 100 % sure I would get the promotional offer. This particular representative 's name was XXXX. 

If all of these calls were recorded then they should be logged with US bank. 

In all honesty, I did not know I would qualify for the banking promotion. And in all honesty, I did call to get guidance on whether I would qualify. The answer I got from all of the representatives were yes I would qualify. That is why I've made the choice to open the business checking account. 

I kindly ask that you would please grant the promotional offer as assured upon by all of your representatives.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an infant daughter and my credit is being sabotaged by companies they have too much power and this is not fair!
Consumer complaint received 2019-04-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Choice Recovery, Inc. (FL)

I paid the amount owed on the date XX/XX/2018 The account was completely paid off, but I still receive notifications as if I hadn't. The account is still open in my credit and I contacted the company but they haven't fixed the issue yet.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am XXXX of the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX are XXXX legal residents whose name is in the Deed and they have been maintaining their residence here since XXXX. 
Recently XXXX XXXX passed away, at the time of her death she was in active XXXX after her XXXX XXXX  was dismissed. Her XXXX stayed the XXXX attempt by Select Portfolio Servicing. 
Unfortunately, XXXX XXXX, a law firm representing XXXX  notified us that our property was scheduled for XXXX on XX/XX/XXXX we didnt receive the letter until XX/XX/XXXX we werent given 30 days as per FDCPA to verify the debt. Soon after learning about the sale date we have written to XXXX of SPS  their XXXXn Department and send some document to show the proof of XXXX XXXX death along with some documents to show that if we get one postponement we might be able to secure the finance to pay off the house furthermore we send a prequalified letter to show we have a qualified buyer who is ready to buy the property. But to our dismay they are pursuing XXXX with no interest to help us retain our home. Their XXXX Department is supposed to help consumers, but their act makes them look like they are ingenious, and they have no intention to help consumers. It's a shame. 
We like you to help us with this difficult situation to save the roof over our head while we are mourning for our loss.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On the date of XX/XX/XXXX  I was approved for a provisional credit ATM claim of {$200.00}, this process involved me filing an ATM claim a week prior, but on the same day it happened, which is that I counted the money three times over and had the exact amount written down, but after depositing the amount I realized it was {$200.00} short and was shocked because since this ATM can not handle more than 20 items at once I figured it would hand me back the money or send me a text of the deposited amount afterwards but neither of which took place, so I took action and called the claims department at wells fargo stating there has been an error with their machine and that there were multiple previous complaints on this machine from neighbors and this was my first time experiencing trouble that involved it not counting money correctly, I was promptly informed that they would investigate and handed me a provisional claim of {$200.00}, at first this kept me satisfied and happy with the service, but not even 2 months later they had did a reversal without informing me as to why such action was done. I later called that day and asked them to provide me with documentation for proof to why the claim was allowed to be closed and reversed. Before this reversal even took place the ATM machine was promptly replaced shortly after my ATM claim was given, giving me comfort that these troubles would not occur again for me or anyone making a deposit, but after explaining this to the operator and my concerns she was rude and said there was nothing to be done and the ATM machine being replaced was a mere coincidence, hearing this short response in a resentful tone was highly unprofessional of her and her overall demeanor was still rash in further stating that there was proof already sent out to me. It has been well over one month with no proof received, so I reached out to my neighbor who suggested I file a complaint with CFPB and get this sorted out since the bank departments are reckless in talking with clients who have been a customer with them for a number of years.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (MN)

I called XXXX to get options about repayment, I couldn't log into the site because the statement I received from them didn't have the proper log in information I needed to actually log in. I spoke with someone for over XXXX minutes about whether I needed to be making payments when I am applying for forgiveness for being a teacher. They insisted that if I do not make payments, I will go in default. I set up my payments and sent in the required paperwork for forgiveness. The paper work says you can check status online-but you actually can not check the status. The paperwork also says you will get an email if there is any issues with the application-which I did not. I called after 30 days because I hadn't heard anything and couldn't check the status online ( because that's not an option according to them ) and they said someone noted that they emailed me on XX/XX/XXXX! They absolutely did not. I asked why they didn't call and they said they would only send a letter if I didn't have an email listed-to which I didn't received a letter either even though I have verified my email address. They now say I have to resubmit ALL my paperwork and continue to pay on the loan until it is processed. I asked to speak with a supervisor because my boss is on maternity and they said someone would call me but haven't.
Consumer complaint received 2023-11-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (CO)

I picked up a prepaid rental car from XXXX XXXX XXXX on XX/XX/2023, in XXXX, South Carolina. At the time of pick up, I upgraded my car choice and agreed to the increased total amount of {$100.00} and was told that XXXX would put a {$250.00} hold on my debit card. I dropped off the car on XXXX XXXX in XXXX XXXX South Carolina . I was told by the XXXX customer service agent that the {$250.00} hold could remain on the account for 3 business days after dropping off. I was charged the {$100.00} rental fee for my upgrade on XX/XX/2023. I contacted XXXX Billing on XX/XX/2023, to inquire about the {$250.00} still being held. They said it would be released no later than Tuesday, XX/XX/XXXX. I contacted my banking institution and asked if they could remove the hold. The agent said if XXXX called them directly then maybe they could work something out. On Wednesday, XX/XX/2023, I saw that the hold was still in place. I went to my bank ( Key Bank ) and the branch manager filed a dispute and then told me there was nothing else to do unless XXXX calls them directly. I contacted XXXX again and was told by a billing agent that they can not make outgoing calls. I provided him a fax number and am now still waiting for my funds to be released. Today is XX/XX/2023 and XXXX has been holding these funds for 13 days. If Key Bank is capable of releasing the hold then why can't they just release it? This is my money and my banking institution should be protecting me.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I see that TRANSUNION has attempted to fix the issues I have complained about and I'm thankful. I received mail that I will have attached below from TRANSUNION in reference to my XXXX XXXX account that they're reporting. I still see my experiences with XXXX XXXX are still showing on the report such as monthly payment, balance, recent payment, original amount, etc. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to TRANSACTION or EXPERIENCES between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
Consumer complaint received 2023-11-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Capital Solutions LLC (TN)

XXXX XXXX : XXXX At approximately XXXX central standard time XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding my debt, and without validating that she is speaking to the correct person released the last 4 digits of my social security number and emailed a PDF of a document containing my full name, address and debt information. This is a clear breach of my personal information as the agent never validated she was talking to me and not a 3rd party. 

Here is an approximate transcript of the phone conversation : XXXX : Is this XXXX XXXX? 
3rd party : what is this regarding? 
XXXX : before I can discuss this further I need to validate I am speaking to the correct person. Does your social end in XXXX 3rd party : yea, what is this regarding XXXX : this is an attempt to collect a debt XXXX then proceeds to share details regarding the alleged debt. The XXXXrd party asked if a copy of the information is available. The debt collector then proceeds to email a copy of a statement containing my full name and address to the 3rd party.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I am writing to request the removal of unauthorized credit Inquiries from WELLS FARGO. 
They did multiple credit hard pulls for XXXX credit card. I have XXXX inquiries with only XXXX account opened with Wells Fargo These XXXX inquires were unauthorized Inquiry dates : XX/XX/2022 Inquiry : WF CARD SVC They did hard pull I didnt apply for anything Inquiry dates XX/XX/2022 Inquiry : WF CARD SVC They did hard pull when I didnt apply for anything.
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (WA)

In XXXX I began payments on my XXXX student loan. I made monthly payments to XXXX until my loan was sold to XXXX in XXXX. I then paid them monthly until XXXX stopped payments. I continued to make payments when I could and my loan was sold to Mohela a few months ago. I still made payments to Mohela and when the loan started up again I looked to see how much I had left to pay. My heart sank. I now owed over $ XXXX. How did my loan grow? Before XXXX it was in the low $ XXXX range. I contacted Mohela and asked them this question. They could not answer. I requested a record of every payment that I have EVER made as they should have received those when they bought my loan. I tried to contact XXXX but I no longer have an account with them and could not speak to them without one. It has been almost two months and Mohela still has not provided me with an explanation or record. I would like Mohela to bee looked into because I believe that they made a mistake along the lines. They were either charging a gross amount of interest during XXXX, which was not supposed to occur, or they messed up the amount owed. I believe that others are also having this issue and that this company needs to be looked into.