davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Son tried to deposit XXXX into our Bank of America checking account via the ATM machine. As he went through the process he clicked deposit, selected cash and then it stated please insert up to 75 bills. He inserted the money and the machine stated counting it and then it stopped and then made a clicking noise, then a message popped up and said system error do you wish to continue and he click yes and it froze so he clicked no thinking it would return the money but it did not open or return the money. Another message popped up that this atm is experiencing technical problems and is unable to return one or more deposits items. We apologize for the inconvenience. A record of this will be printed. To help us correct your deposit please enter the approximate amount of the cash deposited. He input XXXX and a receipt printed for {$300.00}. I called the bank around XXXX and filed a claim and the rep stated only XXXX deposited and he would do a provisional credit in my account for XXXX and it would be available in 24 hours. he said if any problems they would contact me if they needed additional info. After we hung up, I immediately logged onto my account and it said my account was in the negative XXXX. I called the bank back and the rep told me that she see the credit pending for XXXX and the XXXX is available. I told her that i see my account in the negative and she said yes she see that which is weird. She put me on hold and called the fraud dept to see why my account was closed for fraud. They would not speak to me and they told her that my account had fraud activity. I eventually spoke to a rep from claims, customer service and the risk depart. The risk department told me that my account is froze and will be closed in 48 hours for invalid deposit. I asked what does that mean and why is my account being closed because the atm was experiencing issues. the rep told me that they have a monitoring company who checked and that my son committed fraud and did not deposit no money at all in the account and thats why my account is in the negative and I will not get my money back. Nobody could explain how any of this was verified they said they were not going to the atm to check the tape or look at the cameras because it was a fraudulent deposit. I need my money and i need them to research what happened and why they closed my account stating fraud. that is false accusations.
Consumer complaint received 2021-02-12
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: HYUNDAI CAPITAL AMERICA (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX XXXX. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

In XX/XX/ 2020, I consolidated my old Dept of Ed student loans with XXXX. I am paying XXXX, however the old student loans are still reporting on my account as open and showing late payments. They are reporting inaccurate information monthly. Ive written to the credit reporting agencies to have them removed, but nothing has happened yet.
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: E-Backgroundchecks.com, Inc. (FL)

Hello,I called an employer and was told they use XXXX. I called XXXX  and had them walk me through on how to open an account. I noticed that they were a company that did verifications of employment in bulks. I advised the lady on the phone that I only needed one and she recommended their sister company Backgroundchecks.com BIG MISTAKE. I called Backgroundchecks.com and had them walk me through on how to create an account just like XXXX. Lady was really nice, walked me through and I noticed it cost a fee to create the account. I checked with my manager and she advised it would be okay so I proceeded. I ordered the VOE on XX/XX/XXXX. On XX/XX/XXXX, I sent the the borrowers authorization due to uploading the correct one, and it wanted me to create a whole new order rather than editing the one I had, so i reached out to XXXX and provided the corrected borrowers auth and advised I uploaded the wrong one. on XX/XX/XXXX I called BGC to confirm they received the borrowers auth I sent and the lady I spoke to advised they hadn't and to resend. On XX/XX/XXXX- I again sent the borrowers auth to a different email address that was provided to me (XXXX) XX/XX/XXXX- I receive an email asking for the borrowers authorization AGAIN. AGAIN I send it and call to confirm they received, I spoke to a woman who advised they did receive it and that they were going to pass it along to the verify-er On XX/XX/XXXX- I was advised that they sent it to the verify-er. XX/XX/XXXX- I fianlly called XXXX XXXX (the employment I was trying to verfy) and BEGGED them to put me on the phone with someone who could complete the verification of employment for me and that I ad been put through the ringer with BGC and that it had been a couple weeks and I needed this ASAP. They ended up completing it for me. TODAY my manager comes to me with two invoices from BGC, so I went to go to their website to see why we were charged TWO ADDITIONAL MORE TIMES and I was locked out of my account: "Either your current password has expired, or you have been assigned a temporary password. Please change your password to proceed." SO I called BGC and advised that I was locked out and that they had charged me twice and I wanted a refund, they advised that BGC do not provide refunds. Funny, they are quick to take your money and NOT TELL YOU, but cannot provide a refund. If you look at all the complaints, I do not understand how they are still in business but that is beside the point. This company needs to get shut down and stop scamming people for thir hard earned money. So now we were charged $XXXX for a VOE that was never completed or given to me and that I had to manually obtain myself.
Consumer complaint received 2019-08-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see page 16 of the attached credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however, Equifax and XXXX  have not removed this from my credit report. This incorrect reporting is harming my credit score and this line item needs to be removed. I have contacted the two bureaus to fix this issue but I have not been successful.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (PA)

XX/XX/2020 I was scammed on cash app from someone name XXXX, he constantly changes his name so he can scam more. The scammer took XXXX USD off my account. At that time I contacted cash app and the Bank by phone. The bank was able to assist by blocking the transaction immediately however my account showed XXXX USD. 
Cash app had said they would look into it then but nothing was done. I kept following up until cash app support saying the case close because Im out of the 72 hours window. Apparently the person I spoke with initially gave me incorrect information on resolving the issue. 
I have not used cash app since, however yesterday, XX/XX/XXXX, I received XXXX from a friend on cash app and it was taken off by cash app. 
On inquiry I was told that cash app took it to cover the negative balance. 
Im the victim in all this and they did not dealt with my issue from it happened, instead left it for me to repay and the scammers still having fun. 
I contact the support manager, XXXX, she was super nasty and condescending. She told me she can not help on the matter and tried to flip her rudeness into me.
Consumer complaint received 2019-10-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

I sent a cease and desist letter to Midland Funding because they continuously call and I have asked them to verify the debt. They have failed to verify. They claim I have two accounts. I asked that they cease the calling on both accounts. I have a copy that the letter was signed for by XXXX XXXX on XX/XX/2019 at XXXX XXXX. However, the calls continue daily. This is a violation the FDCPA. Since the letter was received, I have gotten calls on : XX/XX/XXXX at XXXX XXXX  from XXXX XX/XX/XXXX at XXXX XXXX from XXXX XX/XX/XXXX at XXXX XXXX from XXXX They call daily!
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (CA)

I contacted experian with documentation stating I didn't have any knowledge of a debt owed and I provided supporting documentation regarding these collection. The other bureau 's removed the incorrect information, but experian refused to have this collection removed. I believe they are discriminating, I constantly monitor my credit and know what is happening all the time.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

clients sent me money which they deposited in my cashapp account. Cashapp closed my account for some reason, and they won't let me access the account, or withdraw or return the funds to my clients. i've tried at least a dozen times to resolve this and keep getting a " we can't access your account for security reasons '' response at the end of the process ... ..
Consumer complaint received 2019-10-04
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: EQUIFAX, INC. (FL)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX. According to my records, a late payment was reported for my account number : XXXX Date late payments : XX/XX/year>. This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX  XXXX ) I appreciate your prompt attention to this matter. 

Sincerely,
Consumer complaint received 2024-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

Dear NATIONAL CREDIT ADJUSTERS , L.L.C, I am writing about a debt you are trying to collect. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 

Please provide the name and address of the bonding agent for NATIONAL CREDIT ADJUSTERS , L.L.C, in case legal action becomes necessary. 

Best Regards, XXXX XXXX
Consumer complaint received 2019-08-14
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)

THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-14
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. (FL)

THE FOLLOWING ACCOUNT IS REALLY AFFECTING THE WELL-BEING OF MY CREDIT HEALTH. PLEASE GIVE ME A GOOD REASON AS TO WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY. IT IS A XXXX XXXX   ACCOUNT REPORTING UNDER XXXX, OPENED IN THE YEAR OF XX/XX/2006 AND DISPLAYS AN OUTSTANDING BALANCE OF {$1800.00}. I REALLY NEED TO MAKE A BIG PURCHASE IN THE NEAR FUTURE AND WOULD LIKE THIS ACCOUNT TO BE REMOVED AS SOON AS POSSIBLE.
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (SC)

I recently wired {$18000.00} from XXXX to PNC Bank account # XXXX XXXX # XXXX for purchase of a camper on XX/XX/19 at XXXX hours. This turned out to be a scam. I went to XXXX   the next morning to request help and I was told there was nothing I could do the money was gone. I explained that PNC stated I could request a reversal of the wire transfer and was told by Mr. XXXX XXXX PNC Bank he would freeze the account. XXXX sent a request for reversal to the FedPayments Manager at XXXX hours on XX/XX/19. I was informed by Mr. XXXX XXXX that all claims to this account have been closed and PNC was unable to recoup any money. I have now been informed the money is not available to return by PNC Bank.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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

Account Name : XXXX XXXX Account NumberXXXX : has violated my rights. Or a list of inquiries : 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 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 seven 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-08-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I received an email today from Quicken Loans informing me that my loan servicing is being transferred to XXXX XXXX XXXX. Furthermore, Quicken Loans has offered customers only two weeks to make payment changes and communicated this to customers today via email ( as of XX/XX/15 ). No official written notice has been received by regular mail as of today ( XX/XX/15 ). 

The email states that after XX/XX/XXXX Quicken Loans will not accept payments and all payments need to be sent to XXXX XXXX. They do not provide a phone number or email address for XXXX XXXX. 

This short notice ( two weeks ) provided to customers is unacceptable. Most customers may never see the emails and in all likelihood will miss the deadlines. This, in turn, will result in late charges, service charges, payment due notices, etc.. Basically, a lot of unnecessary stress and burden placed on their loyal customers. Not to mention the economic gain from late charges, etc. 

I am not opposed to Quicken Loans selling the servicing of the loan. I am disappointed at them not being upfront ; I am disappointed that they did not provide advance notice with a reasonable amount of time ( at least a month or two vs 15 days ) ; Furthermore, they provided virtually no contact information ( email or phone number ) to the new entity. Only a PO Box mailing address.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

I attempted to make a purchase through XXXX XXXX on XX/XX/XXXX for {$42.00}. I immediately noticed that the delivery address was incorrect and immediately called to cancel the delivery. The representative with XXXX XXXX  assured me that they would issue a refund. Additionally, no attempt to deliver food was ever made. Several business days later, the charge was still not refunded, and I called Citibank to dispute the charge. After returning the disputed letter, I received a letter from Citibank that the investigation was complete with no other details. I called and after speaking to multiple people, they informed me that the investigation was still open. Ive now received a letter from Citibank that says they determined that the service I was billed for was provided. I know this not to be true, and had already informed them in writing that no service was received, and the merchant also admits that no service was provided. Therefore, the only conclusion is that Citibank has not properly researched my dispute, and instead has simply closed it with no action. I would like to file a formal complaint against Citibank for violation of the Fair Credit Billing Act by failing to properly follow up on a disputed transaction.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

CCB has placed a HARD inquiry on my Credit Report. I do not have any accounts with this company nor have I authorized them to run my credit and lower my score. I found this inquiry today on XX/XX/2019 on my birthday that this company had inserted itself on my credit. They have no permissible purpose in placing this hard inquiry. I am represented by an attorney do not call me communicate in writing only with my attorney. Furthermore I am retired combat disabled USMC.
Consumer complaint received 2019-08-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) ******
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (OH)

I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX   XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND  FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT