davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-03
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (PA)

I received a Vanilla gift card as a wedding gift but the last 4 digits are scratched off so I am unable to use it. I reached out to Vanilla customer service and informed them that it was a wedding gift and we received many of these cards and do not have a receipt. I also don't know who gave this specific card as we received many of them. They requested my driver 's license and a picture of the card, and receipt. I provided a picture of my license and the card, but I reiterated to them that I do not have the receipt as it was a wedding gift. The customer service rep confirmed there was {$250.00} on it. I don't even need a new card, I would be fine with knowing the last 4 digits so I can use it online, but they have continued to ask me for the receipt.
Consumer complaint received 2023-10-04
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Forster & Garbus LLP (NJ)

I had a private student loan with XXXX that was then transferred to Forster & Garbus. They repeatedly called my home and place of work and then one day I received a later in mail that my paychecks were being garnished. A few years passed and they constantly called and sent letters for inflated amounts owed. I recently started paying them again in fear that they would garnish my wages again. This has been going on since 2010 and is a bit ridiculous at this point.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: 3rd Generation, Inc. (CA)

California auto finance had repossed my vehicle and is not giving me a right to reinstate and purposely not giving me my right to pay and get my car back they keep telling me that they no longer have the contract to my vehicle and that my account is no longer with them and telling me that there's is no way I can get my vehicle back. They had told me that my car was back with the dealership that I bought it from and is breaching the contact I had originally signed the employees that work at this business were all told by the managers that when I call in to get info on it to advise me that I need to talk to the dealership cause they have no info on it. My car was repossed on XX/XX/2023 I've made several attempts to cure my debt and make things right but this company is refusing me
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I XXXX XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX XXXX  have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The XXXX XXXX XXXX XXXX have failed to adequately remedy or investigate the matter under equity.
Consumer complaint received 2023-04-01
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 — Investigation took more than 30 days
Company: Sombrero Capital LLC (AL)

I have called Covey Financial to see why my mortagage was not being reported to any of the credit bureaus since XXXX. I have always been told that the mortgage was being reported, up until this day, XX/XX/XXXX is still has not.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (MI)

On or about XX/XX/2023 I received written notice from The CBE Group , Inc. informing me that I have a debt of {$43.00}. The reported debt originated from the Department of Veterrans Affairs. On XX/XX/2023, I contacted The CBE Group , Inc. to dispute this debt. I do not believe this organization will accept my dispute by telephone. 

This debt is not mine, possibly my deceased father 's who has a similar name, but the debt is not mine. I have dealt with debt collectors in the past who have tried to pass off my father 's debts to me. 

I am a veteran and do owe the Veterans Affairs but I have been making payments in the amount of {$10.00} per month on a debt of {$260.00} +/- with no difficulty or The VA seeking other arrangments.
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

A debt was owed to Bank of America in the amount of {$4800.00}. There was a company called XXXX XXXX XXXX XXXX that collected payments for the debt since XXXX of XXXX. I made payments until XX/XX/XXXX where the balance owed was then {$2200.00}. 

I could not make further payments when attempted on XX/XX/XXXX, as my account was locked to login and could not make an online payment. I was not notified of any further collections. 

In XXXX of XXXX, I began to have garnishments taken from my checks. I was never notified of the action that was going to be taken and my employer sent me the documentation sent to them. 
There was a writ of execution sent with a balance of {$2200.00} stating XXXX XXXX XXXX XXXX was the company collecting on behalf of Bank of America and was confirmed this was the same debt from before. 
There was another writ of execution sent because I was told by XXXX XXXX XXXX that the previous one expired. 
However, this had a new balance of {$5200.00}, and there has been no explanation after several calls and emails between XXXX XXXX XXXX and XXXX XXXX XXXX why this balance had changed. 
The amount garnished was a total of {$4100.00}. 
XXXX XXXX stated they sent {$940.00} to XXXX XXXX XXXX between XXXX of XXXX. And another amount of {$2400.00} from XXXX XX/XX/XXXX On XX/XX/XXXX, the garnishment was released, however I am owed a refund for the excess funds that were taken. 
I have been over garnished for the amount I owed by {$1800.00}. 
When I have reached out to XXXX XXXX XXXX by email, the attorney has stated the debt has been paid in full and there is nothing more I can do unless I wanted to seek out further legal help.
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (NY)

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 2023-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (WA)

I disputed with cash app that I was Scammed and I made a purchase of XXXX and withdrawal to the site Called XXXX that scammed me for {$2600.00} it offers investing and withdrawal but I went to make my withdrawal and it would not allow me I contacted the merchant and they will not issue me a refund they do not give money back I told MY bank which was CASH APP AND XXXX and both bank failed to help me even after I told them I was scammed Fraud I will provide pictures please reach out to me and let me know if u can help me please.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I received a check in the USPS priority mail for the amount of {$9800.00} on Thursday, XXXX XX/XX/year> and then went to Wells Fargo Bank and deposited the check ( {$9800.00} ) into my personal checking account. On Friday, XXXX, XX/XX/year>, Wells Fargo Bank cleared the amount in my checking account. As part of the employment scam, I was contacted by the scammer with instructions to wire-transfer {$7200.00} to a XXXX XXXX XXXXXXXX account in XXXX, TX XXXX . With the assistance of Wells Fargo Bank Manager, I transferred {$7200.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; Account # : XXXX ; Routing # : XXXX ; Bank Address : Bank XXXX XXXX, XXXX, TX XXXX ; Beneficial Address : XXXX XXXX XXXX, XXXX, TX XXXX, for the amount of {$7200.00}. On Tuesday, XXXX XXXX, I went to use my debit card and was denied because of insufficient funds. On Wednesday, XXXX XX/XX/year>, I went into my Wells Fargo Bank and met with the Wells Fargo Bank Manager who previously assisted me with the wire-transfer, we both found out that the checked that was deposited into my personal checking account was a fraud. So Wells Fargo depleted all the money I had left in my Wells Fargo Checking and Saving accounts. I am now in the red for {$11000.00} along with penalties that are accruing every time an auto bill payment attempts to retrieve funds for all of my many bills that are due.
Consumer complaint received 2023-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

The financial institution sent me documents that had the loan numbers and addresses mixed up on my properties. None of the amounts due on the payoffs match the payment histories. They also told me on several recorded phone calls that after receiving a divorce decree they would remove my ex husband from the loan. After receiving this decree, they refused to remove him. They have had me resend the document at least XXXX times and they have not removed him. They have communicated with him and accepted loan modification documents without me. They removed the loan from his credit but they wont remove him from the loan. He is not on title and this has also been sent to them. It was incorrectly recorded originally. The company has been asked to review all of the loans on my XXXX properties because I had mortgage insurance that paid off the loans if I defaulted. The XXXX  number in the loans states the loans dont exist. The note is with a different bank. My loans have been transferred from bank to bank. I had 100 % financing on one property with XXXX who when they closed there business permanently merged my first and second and transferred the loans to XXXX. My loans were inflated {$990.00} XXXX times in XXXX day with no reason. My loans were inflated hundreds of thousands of dollars several times. There was an assignment from XXXX to XXXX XXXX for my second loan XXXX years after XXXX closed their doors. I was able to get XXXX bank to reconvey that loan because it was fraud and they eventually did because I threatened to report them to the government as another bank on the list of predatory lenders. I filed bankruptcy and all my loans were discharged and they are still threatening foreclosure. I asked them to review the loans and gave them specifics as to why the loans are paid off already and their response was sent to me with the loan numbers mixed up with the wrong addresses. The payoff histories have the addresses mixed up also and at XXXX point all the properties have the exact same payment and balance due on the same date. They gave me principal reductions and reversed them. On XXXX property they foreclosed without notice during a modification.
Consumer complaint received 2023-08-03
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. (VA)

There are inquiries that are on my report that I did not authorize 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 2023-08-03
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. (FL)

I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls fromXX/XX/XXXX
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I made a payment of {$32.00} on XX/XX/2023, which would have been the final payment on my account, bringing my account balance to {$0.00}. This was after speaking with " XXXX in Arizona '' and determining that my account would not receive charging privileges again. XXXX stated that if I made my payment, the account would be closed and REMOVED from my credit report. However, instead, the account was NOT removed, the balance has escalated well beyond the {$32.00} that was due, and no one can seem to explain why. The {$32.00} was never deducted from my account as I authorized. 

In addition, I'm receiving calls for a " XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer, they state they are not looking for " XXXX XXXX '' but " XXXX XXXX '' so I have no idea if it's about this balance or not. I have several voicemails saved with them seeking this individual. I've received calls from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (PA)

I have been a victim of identity theft.. XXXX XXXX XXXXXXXX  from XX/XX/XXXX to XX/XX/XXXX. I have accounts on my consumer report that I have no knowledge of.. I had filled out an FTC identity theft report with the accounts attached.. I need these accounts removed of my credit file. The accounts are.. 
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 2023-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Albert Corporation (FL)

Today XX/XX/XXXX a unauthorized debit from XXXX com for XXXX was taken. Reported the issue to the bank and company. Company has rejected to work with my bank and myself to resolve this fraudulent charge. I asked in XXXX of XXXX for my account to be closed. Only to find out someone from there business never closed it but used my information to get XXXX dollars for themselves. I researched this issue and it has happened to others. When contacting XXXX I was originally told it was for a advance taken out XXXX of XXXX. Which was able to proven as false, then the backed tracked and said no we lied it's XXXX. No phone number to speak with someone just email or text
Consumer complaint received 2023-08-03
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: NAVY FEDERAL CREDIT UNION (TX)

I had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MI)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized removed
Consumer complaint received 2023-08-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX my USAA Savings account was overdrawn for a " Check Adjustment Debit '' in the amount of {$840.00}. 

Was informed the disputed deposit is for a check deposited back in XXXX of XXXX almost a year and half ago. 

Reached out to USAA for clearer clarification on the disputed transaction and asked for any kind of help for it to be resolved in my favor as I'm not clear on exactly what happened and who the disputing party is. I'm unable to go back to my online deposit history that far back. Had been receiving almost daily phone calls to get the account to normal status even though it had just occurred at a very inconvenient time. Informed them I planned on filing a complaint and the aggressive calling ceased.
Consumer complaint received 2023-08-03
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: BARCLAYS BANK DELAWARE (IL)

I reached out to XXXX because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the barclays. I had reached out to Barclays because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from XXXX that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to Barclays on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take XXXX cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

XXXX XXXX, I went to the bank because I spoke with Simmons Bank CSR who told me that I could apply for XXXX XXXX and when I went to the bank on that day. I was told by XXXX XXXX that I would have to wait until XX/XX/. I called a couple of weeks later and was given the same date. I went to the bank on XX/XX/XXXX, and was told the account was closed. I was told that they would re-open the account. I was told by XXXX XXXX that she would call me. Everytime I went to the bank, I was told the same thing. I was never contacted until I filed multiple complaints FDIC and this organization. The FDIC later forwarded the complaint to the Federal Reserve. If they actually attemoted to contact me, please provide evidence and documentation ( undisputable ). The account is now open and I do have a XXXX XXXX. Simmons did send the account to collections which needs to be rescinded and removed from all credit reporting and banking reporting agencies.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My XXXX  personal loan was paid off last month and not reporting a {$0.00} balance on my current credit reports. My XXXX XXXX was paid off last month and not reporting the correct balance.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (AZ)

Citi Bank again same time as last year cut my credit card limit by over XXXX XXXX XXXX  within two days of paying it off. I am accountant I use my cards through the year and pay them off during tax season, I have never missed a payment nor been late. I make over XXXX XXXX XXXX XXXX  a year, there is no reason to cut my limit so drastically without any warning and right when I pay it off. This continues to hurt my credit score rating and my life by showing my credit limit needs to be cut when in fact it doesnt.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prince Parker & Associates (TX)

Today, I am writing this complaint to PRINCEPARKER regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.