davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/XXXX, I spent {$1200.00} for my rent and {$460.00} for a firearm on XXXX  Both payments were denied, and I had to call Bank of America to confirm the payments and unlock my card. The customer support said the failed transactions would be reimbursed 1-3 business days after they are fully processed. After my card was unlocked, I made the {$460.00} payment again. 

XXXX XXXX I still haven't received the reimbursement, but made the {$1200.00} payment again to avoid late fees or potential eviction. Today, XX/XX/XXXX, I STILL have not received the reimbursement, and calling customer support only resulted in me repeatedly be told I should have received the payment automatically. 

I asked for logs or proof of reimbursement but was not given that. I also found out transaction logs under debit/credit cards will be modified and remove denied transactions, leaving no record of those taken place. I have an email from my leasing office for the failed rent payment, but unfortunately no email for the failed firearm payment.
Consumer complaint received 2024-11-14
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. (IL)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the immediate removal of Account XXXX from XXXX XXXX on my credit report due to inaccurate reporting. This account was submitted for deletion by the company on XX/XX/year>, via deletion request # XXXX. Both XXXX and XXXX have removed this account following the company 's submission. 

Please reference the CFPB response from XXXX XXXX confirming this submission. I urge you to also consider XXXX XXXX  TransUnion, as your failure to remove this account is in violation of my rights under the Fair Credit Reporting Act. 

If this account is not removed within 7 days, I will pursue monetary compensation for damages.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian investigated a dispute and corrected the balance but did not adjust my XXXX score accordingly. It is impossible to speak with a representative to have this issue resolved.
Consumer complaint received 2020-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

In a rush I was trying to send money via cash app to my mother to help with a recently passed family member and sent to the wrong cash app account by mistake. I tried to resolve the issue with the person I sent it to ( which I do not know ) but the person refused to refund the money. I disputed the transaction with my bank and now cash app has closed my account without notice which still has funds in it. All I was trying to do is get the money back so that I can send it to the right person but cash app 's support has not responded and doesn't seem to be helpful. Even if they refuse to refund at least reactivate my account so that I can continue to help my family the fastest way possible.
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (TN)

I never tried to call and fix issue because i thought maybe it was just mistake but I never realized every time this was hurting my credit score, I also did understand why I kept getting offers stating I had outstanding chance to be approved then I'm denied and credit score goes down horribly.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aspen National Financial, Inc. (FL)

In XX/XX/XXXX, we were victims of the XXXX XXXX XXXX company located in the XXXX XXXX. This is a company that takes advantage of the situation of customers. My husband and I were pressured into buying a vacation package. We tried to cancel the next day after reviewing the reviews and talking with other people in the resort. However, they did not let us cancel with fraudulent stories and intimidation. Since the purchase of the vacation package was made through a XXXX XXXX XXXX credit card that they opened and processed in the XXXX XXXX, we started a dispute with the bank soon as we arrived in the United States. At the end of the investigation process, we had to pay {$4900.00}, which was very unfair since we never used the vacation package. The worst thing is that on XX/XX/XXXX, just now, we received a bill from a collection company saying we must pay {$7000.00}. This is incredible! The case was already disputed and closed with the bank, and we had never used their services and now after 5 years, they want to come and collect for a closed case. We need help to stop the abuse of this company. The collection company is Aspen National Collections and its telephone number is XXXX
Consumer complaint received 2023-08-16
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

I don't feel as if i still owe and i want this taken off credit report. This company claims that i do. I don't see how i still do considering a few facts. 
XXXX ) i can not go back to the company to make garnishment of wages. I don't know what kind of agreement that collection agency and garnishments company made but, garnishment co.says i have a {$0.00} balance XXXX ) collection agency says they can't take anything off credit report. I find that weird as they surely can put it on. I can't even go back to original debtor to settle yet, this same collection agency says, they say, i owe, and that's that. I find that hardly believable as, the original debtor said, it's out of our hands, you have to go back to debt collector company. 
XXXX ) My only idea was to go back/call to collection agency and ask when they plan on sending sheriff over to serve me court papers to appear at court, again. 
Collection agency seemingly don't or won't. Which confuses me more. 
XXXX ) i don't mean to be the small fish picking on bigger fish in the pond. But what am i supposed to do when collection agency won't take me to court and garnishment company won't without. 
XXXX ) I'm going to need a better rate on my automobile insurance and find a replacement for my XXXX XXXX 2002, rust bucket, with XXXX miles and i can not move forward without a better credit report. 
XXXX ) someone is not telling the truth or being on the level, and it isn't me.
Consumer complaint received 2023-08-16
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 XXXX XXXX XXXX
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (WA)

My daughter is studying abroad in XXXX so we opened a student credit card for her with Chase with a {$500.00} credit limit. This has been her main source of funds for her daily living expenses since she arrived in XXXX 2022. On XX/XX/2022 she made a {$500.00} payment to the card because she was close to the credit limit. Chase credited the account for this amount but did not make the funds available to her. We called multiple times and Chase said the {$500.00} we sent in would not be available until XXXX XXXX, 2022. This is leaving my daughter without the use of this credit card - one that she is heavily relying on for food, travel and other daily expenses- for an entire week! Chase would not tell us why they are holding the {$500.00}. This looks and feels like theft of funds to us. This is my daughter 's money and they are holding it so she can not use it.
Consumer complaint received 2023-08-16
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: Experian Information Solutions Inc. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-16
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have over 15 Inquiries that were not authorized by me. I have reached out several times in reference to the inquiries and it seems like I am going in circles and I would appreciate some assistance, Please! I have also added a fraud alert on all three credit bureaus for a third time. customer service would not help and take care of the negative inquiries reporting to my credit report.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The past 4 months my Equifax reports have been incorrect, my cc company initially tried to update my balance on my credit but was told Equifax had issues with their system. I filed a dispute 2x with no success. I attempted and called Equifax 4x each time speaking to a supervisor name XXXX ( overseas ) and a manager name XXXX. I also sent documents by fax and uploaded it online and was told by the Manager XXXX that the online portal does not accept documents which is a clear fabrication because the online portal allows you to upload any supporting document to support your dispute. The documents I submitted prove and show the balance on my credit card was paid to a {$0.00} balance back in XX/XX/2022, since XX/XX/2022 Equifax has not update my file. Ive made numerous calls back and forth to the credit card and Equifax and Equifax still has not updated my credit reports. Transition and XXXX have reported the correct amount every month since Ive been the balance. The incorrect balance is causing me a hardship due to me trying to refinance my house and my mortgage company is using the incorrect card balance against me due to Equifax incorrectly reporting.
Consumer complaint received 2022-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (MS)

I obtained a loan from OneMain Financial with XXXX insurance on the loan. I was injuired and have not been able to work ( this injury is permanent ). I went through the process of utilizing my XXXX insurance so the insurance can make payments on the loan. Every since I have been using the insurance that I paid for, I have been getting calls constantly about payments not being made. I then informed the company that my XXXX is permanent and I will not be able to work now. Nevertheless, I am still getting calls from them every week about payments even though I filled out paperwork stating that my condition is permanent. I was told that they do not care about my XXXX and they will be calling me everyday and every week to collect a payment.
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NV)

I received a phone call from a debt collection agency about a property that I owed money on in XXXX XXXXXXXX XXXX I live in XXXXXXXX XXXX XXXX, and have never even been to XXXX XXXX XXXX. The Collection Agency is called COLUMBIA DEBT RECOVERY LLC DBA GENESIS. I suspect that this is Identity Theft as I have never been to this property nor authorized a purchase of any kind.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TIDEWATER FINANCE COMPANY, INC. (IL)

The past 2 years or i been trying to get a pay off on a vehicle i had for the 6 years an 9 months so far, an the loan was for 6 years. From XX/XX/2015 until current.Im previously 9 moths over the term. I had 4 deferred pyment that i acknowledge due to financial hardship an late late payments throughout the terms. Which the financial company is saying that it caused an additional 16 months off monthly payments to make the account full. Ive tried to offer a generous settlement which the is not worth what i had offered through XXXX XXXX XXXX an XXXX. The rejected the offer without meaning an never sent me a letter of validation. I believe wholeheartedly that i am being financially mistreated.
Consumer complaint received 2023-08-16
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. (CA)

I'm worried that the credit report investigation you did recently might not be accurate. I asked for this investigation because I thought the things on my report were wrong. Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I received a letter saying those things were checked and found to be correct. I need to understand how your team did the investigation and made sure they were right. Please explain : How did you decide that the things reported were legal? What documents did you use to do the investigation? Can you share all the information you sent to the company that gave you the data? How much did it cost to get those documents? Can you show proof that you got the documents on time? Did you talk to the company that reported the information to confirm it was accurate? If you did, who did you talk to, when, for how long, and what's their job? Can I have their phone number? What's the name and job of your employee who talked to them? How long have they worked for you? Did your employee get special training? Did you exchange emails or written messages? Can you give me all the proof that you really looked into this? When did the problems with my credit start? When will they stop showing on my report? I also need a paper that's signed by a notary to confirm this information, as I have the right to ask for. It's important that your response is different from anything else. If you can't follow the time limits set by the law, then please remove the wrong information. It's hurting my credit and my well-being.
Consumer complaint received 2023-10-10
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. (FL)

In accordance with the Fair Credit Reporting act ( XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.
Consumer complaint received 2023-08-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC (TX)

My complaint is with Mariner Finance. I have REPEATEDLY asked the local branch not to call my work number and leave voicemails because I am not the only person that has access to that voicemail. They have repeatedly ignored my request. They called this morning at XXXX and left a voicemail. My Sales Manager got the message and sent me an email. I do not want my co-workers knowing my financial business, but now they do and I am very mad! Them calling my work is against the law, especially when I have asked them not to. 
I am 1 month behind on my payment due to a financial hardship, and I have tried to get them to help me, and they refused. I told them that I could not longer make the high interest payments and pay the enormous fees but I do want to repay the principle amount that I borrowered from them. I have asked them to eliminate the enormous fees and interest from the account and to just let me make payments on, or even pay off the principle. They will not negotiate on any of the terms. They will only agree to roll the pastdue amount to the end of the loan AND ADD MORE FEES! They constantly harass me with calls and calls to my work. They have intentionaly violated my privacy! 

Last year my self employed XXXX got XXXX. I have been trying to help them, plus keep all of my bills paid. They have a new baby due in two months. It has been very hard and I am doing the best that I can. Other creditors were understanding and was willing to negotiate the terms of my debts. Mariner would not! 

Please tell me that they is something you can do about this situation. I told them today to cease and decease on any calls to me. These companies should not be able to get away with the type of collection efforts they use. 

I have attached two screen shots showing evidence of them calling my work number.