davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TIDEWATER FINANCE COMPANY, INC. (AL)

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tidewater Motor Cred. I did not get another vehicle and would like these inquiries removed from my credit file.
Consumer complaint received 2020-05-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC (VA)

I did a cash pick up request via Ria to be picked up at an aerial Walmart.The transaction request took place on my XXXX XXXX app. I have use this service hundreds of times before and ran into no issues until today I went into Walmart we got to the end of the process and when the funds were going to be released we received an error message I was told to contact XXXX XXXX and also Rea Walmart also contacted Rea we were given several different answers from several different supervisors the financial institution customer service agents were very rude outrageous they  talked over you there was outrageous background noise of kids playing they also hung up on you when they no longer had a different answer for you because they realize that they had given a different answer than the prior agent they should not even be in business let alone handling financial matters.I spoke into different agents and supervisors no one is able to tell me where the money is and why they can not release it XXXX XXXX also contacted them and they have not given us any information nor have they released the funds
Consumer complaint received 2023-10-17
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. (CA)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 XXXX XXXX
Consumer complaint received 2019-11-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: ENOVA INTERNATIONAL, INC. (MD)

On XX/XX/XXXX, i applied for small line of credit and was approved for a {$700.00} line of credit, with {$150.00} interest, {$850.00} was paid back, i never had issue with the loan company, I've been nothing but a good loyal customer to this loan company, we're on XX/XX/XXXX and if i lasted that long with them it's because of my loyalty, but i realized that my loyalty and kindness were taken for weakness, on XX/XX/XXXX i requested {$100.00} increase on my credit line, {$800.00} comes with an {$200.00} interest, {$1000.00} was paid back, i was rarely withdrawing money from my account unless i have an emergency, and i remember that i was planning to close this account forever, in XXXX i did talk to an agent about closing the account, but i was told on the phone that i don't need to close the account since there is no fees associated on keeping it, they convinced me that i should keep my account opened since i have nothing to lose. The most mistake that some loan company makes is thinking about themselves first, how much they could benefit from you ( which i understand, that's how they make their living ), but sometimes they're doing too much, i mean really too much, they'll make up some interests and fees, only to keep you on hold, and make sure you won't be able to pay off so they can benefit more. i came to notice a huge amount of fees interest charged to my account, and i really did not know where is coming from, my credit line was automatically increased to {$900.00} which i never asked, why increase the line without consulting me first, this is an absolute fraud, a perfect robbery. the only answer i got on the phone is i was qualified for automatic increase since i'm a good customer, they did not realize that they turn a good customer to a bad one. because i called my bank and blocked them, on the app it says {$800.00} credit limit but as i investigated in my statement, i see {$900.00} credit limit, i knew that {$800.00} credit limit can not generate those fees and interest even thought i withdraw sometimes. I think they're the one who owe me for overcharging me for a credit line that i never ask, in top of that i've been harrasse by phone for payments which they should be responsible and owe me.
Consumer complaint received 2020-09-15
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: Credit Karma (OK)

Hello, Beginning XX/XX/2020, I received an email from Credit Karma, notifying me that the password to my account had been changed. I visited their website to verify, and surely enough, someone had changed my password. 

I figured this may be due to me using a password that'd been recently compromised somewhere else, so I went through the account recovery procedure, received the verification email ) * ) to verify that I, the account owner, am requesting the password change ; clicked the link, and changed my password to a newly generated alphanumeric string, unused anywhere else. This should have been the end of the story. 

About an hour later, I received yet another email, telling me that my account password had been changed. Frustrated, I checked my server logs to verify that only I had access to my email inbox, which turned to be true - so nobody was requesting the change, logging into my inbox, and deleting the verification email. 

I changed my password a second time, to yet another freshly generated alphanumeric string, this time using a different device - perhaps my workstation had been compromised? No! The next morning, I had more password change notification emails in my inbox. I yet again went through the steps and changed my password, which was YET AGAIN changed, thirty minutes later. 

This prompted me to reply to Credit Karma 's " contact us '' email address, which bounced back, and referred me to a different email address to use. I followed the directions, and submitted the complaint. They responded in a very dismissive manner, and when I followed up, telling them it had happened YET AGAIN, they 'escalated ' the issue. This was on XX/XX/2020. I have not heard back from them. 

With the amount of personally identifying information that Credit Karma has access to, for this to happen and be essentially swept under the rug is a blunder of ineptitude. What are my available courses of action at this point?
Consumer complaint received 2019-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an account with Bank of America that had a promotional bonus of {$100.00} to be paid to me for opening the account. I met the requirements. I was not paid. I went into the branch, and the banker called customer service. The person on the phone told the banker that I already opened an account last year and was paid a bonus for that therefore I am not eligible for this {$100.00}. 

The bank is Bank of America. 

I looked at the language of the contract, and there is nothing about being ineligible to receive the bonus due to previously receiving a bonus. At best there is a line about not having a previous account in the preceding six months. Again, I met all the requirements for the {$100.00} bonus ; there was nothing in the contract about previously receiving a bonus that disqualifies me.
Consumer complaint received 2019-11-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION (IL)

During a phone call around XXXX on XX/XX/XXXX to One Main Financial to update payment information, a rep XXXX from the company answered the phone heard my initial call and immediately divulged my FULL NAME AND BANK ACCOUNT INFORMATION. This is extremely disturbing when I just experienced our bank account being compromised the week prior. I am upset and feel like my rights have been violated. I want to make a legal complaint and have that person terminated or go into a training of some sort regarding consumer protection and confidentiality. This is unacceptable and I do not trust this company with my information or for any other individual. I will also make a complaint on the XXXX  website. I need to know what I need to do moving forward to resolve this issue. I do not want this log as a complaint then it goes away and nothing is done. Please contact me and let me know how the matter is going to be resolved.
Consumer complaint received 2019-11-17
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: I.C. System, Inc. (WA)

Was promoted to XXXX because of recent hacking into XXXX XXXX accounts. I decided to use it to protect my credit. Lo and behold, suddenly a {$920.00} bill from XXXX/XXXX  shows up from 2010, when I was no longer a customer. I have NEVER been notified of this debt, nor do I owe it. I pay my bills on time. How can a company NOT notify me, yet try and ruin my credit and reputation without me being even aware. My Score dropped by 51 points. My scam alert is now on high! I filed a dispute with XXXX, but two days later they tell me I owe the false bill! I am so angry I can chew nails. Please!!!!! HELP!
Consumer complaint received 2021-06-09
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MS)

I have not able to reach the Company XXXX XXXX, I have mailed them a letter and called XXXX with no response, this company does not exist since I dis not get a response for months. The address for XXXX XXXX is incorrect and the letter I wrote them has been sent back to me, please tell me how did you verify the debt and I wasn't able to contact them by mail.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MN)

On XX/XX/2021 I received a call from Quicken loans regarding refinancing my mortgage. I filled out a form on XXXX XXXX asking for more information on refinancing. I started getting tons of calls and when I picked up the phone I started by asking Quicken to place me on their do not call list. I didn't realize how many calls I would receive after filling out that form. 

I was transferred to XXXX XXXX ( mailto : XXXX ) who was able to convince me to have a conversation about a mortgage refinance. During the call he asked me to verify the last 4 of my SSN, which I did, and then he said " so your whole SSN is XXX-XX-XXXX? '' I said yes. He then pulled my credit. He never asked me to pull my credit, nor would any customer suspect that by giving the last 4 of SSN that that would authorize a credit pull. I was expecting him to ask me for my permission which he did not ask for.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (NY)

I received a Debit/credit card from Discover XXXX XXXX bank. I dont have an account with Discover. 
When I called Discover bank, they informed me an account had been opened within the past month. A change of address was requested as well. 

They had my DOB, social security number and mothers Madein name. They had processed my change of address. 

The account was closed and flagged as fraud. 

I received letters from XXXX XXXX XXXX XXXX as week as from XXXX XXXX  that attempts were made to open on line accounts in my name.
Consumer complaint received 2019-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This complaint concerns Bank Of America and it's excessively punitive and zealous application of overdraft charges to my checking account. 

Today is XX/XX/2019. 

This incident occurred just six days ago. I have an account with XXXX XXXX XXXX. On or about XX/XX/2019, XXXX deleted {$29.00} from my account to pay for a coffee shipment they were supposed to ship to me the next week. For some reason that I can't account for, the very next day they turned around and credited my account for the exact same {$29.00}. I don't know why they did this. 

Anyway, since I now had {$29.00} more in my account than I had anticipated, I wrote a check to a friend for {$10.00}. This was on Sunday, XX/XX/XXXX. The next day, Monday, was XX/XX/XXXX, which was XXXX XXXX. All the banks were closed on that day. 

On Tuesday, XX/XX/XXXX, XXXX once again deleted {$29.00} from my account, leaving me with an overdraft of {$4.00}. Bank Of America charged me an overdraft charge of {$35.00} as soon as they possibly could.Then of course, since their overdraft charge left my account with even less money than it did before (!!! ), when another small charge of {$7.00} came along a day or two later, they decided to ding me yet again with another {$35.00}!!! This was {$70.00} in all!!! 

I called them up very quickly and told them I had a product return for {$47.00} coming in to my account in the next day or so, and would they please wait a day or two until the funds showed up in my account, but they refused to budge. 

Bank Of America has some extremely predatory practices of dinging their customers with overdraft charges as frequently and quickly as they possibly can. It is my understanding that banks all over this country are making trillions of dollars for themselves on overdraft charges on millions and millions of innocent Americans. Not millions or billions. Trillions. This ruthless and predatory practice has to stop.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2013 I deposited {$1600.00} cash into a drive-thru ATM at Citibank after depositing the money I receive The receipt stating technical difficulties can not withdraw money I was confused I just deposit cash? I went into the bank to talk to gave me an 800 number to call that was on the receipt, that I received l, after depositing the money i mentioning to the teller that I deposit cash and I need the money to be credited due to bills and other financial obligations I was told I need to file a dispute and I will be credited  once they do an investigation up to 45 days I looked on XXXX and I found out this ATM machine had same issues with other clients it's an ongoing problem, from other customers if you do the reviews this is not a first time occurrence The machine will not give you money but it would take money or would not record money and we have to wait 45 days for Citibank to do an investigation before we get credit to our account, I spoke to the manager where in fact he said he can not do anything, and this is the way the neighborhood is and that's that???? this caused a lot of inconvenience a lot of heartache a lot of pain and suffering due to bills need to be paid, please help me with this  situation other people have had the same issue, I am without money and they won't fix the ATM machine. ( drive-thru )
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 extra credit union
Consumer complaint received 2021-11-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (MA)

Citibank has declined my application for a Checking/Savings account citing " Unable to verify information on consumer report '' as the decline reason. 

Citibank 's decline letter recommends that I contact credit reporting agency, but the letter does not say information from which agency was used in Citibank 's decision. 

Also the statement that Citibank had made about the fact that it was not able to verify information on a consumer report indicates that it was a Citibank 's lack of expertise or effort in attempts to verify the information rather than anything being wrong with my application or my consumer reporting agency credit report since all information on my credit reports at all major credit reporting agencies is verifiable. 

By stating factually false information on its letter Citibank is trying to hide the real reasons for declining my application, which can easily be assumed were based on the facts that I am a representative of a non-typical class of consumers and that I previously exercised my rights under the federal law to complain about certain Citibank 's business practices. 

Also by stating a bogus reason for declining my application Citibank employs a strategy geared towards reducing Ciitibank 's responsibility to answer to customer 's complaints. Even when Citibank responds to this complaint with a corrected reason, the customer would loose the ability to file a complaint regarding the Citibank 's wrongful decision to decline my application as any subsequent complaints would be treated by Citibank as duplicate.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARKSIDE LENDING, LLC (IL)

I refinanced and after closing my first payment was due on XX/XX/XXXX. Prior to my first payment it was very confusing as I received multiple first payment letters. One to Parkside Lending and one from XXXX XXXX. I called both Parkside and XXXX XXXX  and XXXX XXXX  told me my payment was due to them. Over the last month my loan officer who has been helping me who is no longer employed by Parkside put me in touch with their servicing team. I have sent multiple emails and documentation. They are reporting to my credit report a 30,60, and 90 day late. At first they agreed to remove the 60 and 90 day late in which calls from the credit agencies to them have been denied. Even though I gave the a letter at the request of Parkside giving them authorization. In the documentation section I have uploaded my payment history. You will see payments made in XXXX, XXXX, XXXX to XXXX XXXX. There is no way Parkside can report me 30 days late for or later when I made payment in all three of those months. Currently they are showing my XXXX payment not paid. Parkside needs to remove all lates they are reporting to me credit and they are not being helpful. It is not my fault that I received multiple first payment letters. I received zero calls from Parkside during this time stating I was late or there was an issue.

Lastly I was told by my loan officer there are servicing transfer laws that should have protected me in this instance where they cant report me late due to their errors. This needs to be removed immediately.
Consumer complaint received 2023-10-16
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
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