davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-26
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. (CA)

XX/XX/2018 a fraudulent inquiry was made to my Transunion report by XXXX XXXX XXXX. I have attempted to reach this company by phone and not been successful. I have been the victim of identity theft and Transunion has instructed me to reach out to each company, on my own to resolve this myself. I'm attaching my related police report I have made for identity theft.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

Chime is the company in question... 
They closed my Checking, Savings and Credit Builder accounts within 3 hours following my deposit of {$330.00}. I deposited this money into my account in XXXX.located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX, last month, XX/XX/XXXX approximately XXXX. XXXX rules are when a Chime deposit over {$300.00} is made a manager must approve or do the transaction. The cashier started the process but called the manager to complete it. The money had not yet been deposited, ; cashier still held my money. We walked over to where the manager was located and the manager restarted the process on a different register in a different area of the store ; the Photo Department register. Process done. I later discovered my accounts were closed by not being able to access accounts and via email. I then realized the {$330.00}, which I only deposited once was placed in my checking account twice, due to the cashier not voiding the initial start of transaction on the first register at the front of the store. This led Chime to decide to close all my accounts. It has been communicated to me that I violated user agreement. But I have not. I did not realize there was an extra deposit. I moved money around and spent money as usual. At first I thought the money did not move so I repeated the process of moving money to savings etc. I later realized there must had been an error once the accounts were closed. I tried to explain to Chime several times that the cashier made this error... not me. They kept my accounts closed and kept {$350.00} which was my actual funds left in these accounts. They have refused to return these funds. They could had just removed the extra {$320.00}, which I never spent, and kept account open. I have emailed asking for restoration of accounts and return of my {$350.00}. And then at least return of my {$350.00}. They have refused to do at least this return of funds.
Consumer complaint received 2017-11-29
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. (MD)

I checked my credit report and saw that there was inquiries that were not authorized an I called to get them removed and was told I could n't. I informed them that I was a victim of their inquiry issue and they still said no.
Consumer complaint received 2019-11-26
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. (TX)

I am writing in reference to the all three credit bureaus lowering my credit score due to auto inquiries that were within 7 days. All bureaus were sent a certified letter requesting that they bring my score back up to where it was minus points for every 5 inquiries.There were 10 inquiries. From XXXX and XXXX I was told by Equifax, XXXX  and XXXX  that they are not responsible for the credit dropping due to the auto inquiries. They all told me to contact the creditor where I applied for the loan. The auto creditors are not liable for the scores that the credit bureau is suppose to give. The creditors told me they could not remove the items by law. I understand that. 

The creditors are not responsible for my score going down the bureaus are are suppose to only drop 1 point for ever 5 inquiries if they are within 7 days and in the same category.. My score was dropped 41 points due to the inquiries that were made with 3 days of each other. This is unheard of. 

I feel like I am working on my credit is in vain if the Credit Bureaus are supoorting the negative information that companies put on your credit no matter what the circumstance are taking place in your life. 

I had a XXXX XXXX in XXXX. This is what caused the medical bills as collections on my report. I am victim of XXXX XXXX that a protective order was filed and I was assisted by the Attorney Generals back in XXXX. My credit was affected again by medical bills due to the XXXX  XXXX acts by my husband. I have told the collection agencies that and they still call and report medical collections.  This is insane. I would like you all to check into this. Because I was informed by the XXXX XXXX XXXX XXXX XXXX in XXXX Texas, that I was in when I left my spouse that I should get medical waived due to this XXXX  situation. 
. 
It is a conflict of interest for the credit bureaus to assist the consumers with education to check credit for and monitor credit, but they are not caring how they score due to these inquiries. How can the care about the consumer in correcting the problems with no effort on their part and turn around and try to sell the consumer on their products and try to get to you to open high interest credit cards so they can get a kick back. 
This is not helping the consumer.
Consumer complaint received 2017-11-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp (NC)

XXXX XXXX who is a 3rd party to help consolidate loans have Equitable Acceptance constantly contacting me after I 've cancelled everything with them. They talked me into consolidating my student loans with them and got all my information, social, adress, banking, Financial Aid information, etc. Once i found out i could consolidate my loans for FREE on my own I immediately contacted them within 3days to cancel my agreement. The lady i spoke with had a nasty attitude about me cancelling and told me everything would be taken care of, there was nothing more i needed to do and i would receive my XXXX deposit back which i NEVER received. My credit was ran unknowingly and they also added an revolving credit account on my credit file which later turned into a charge account. I did n't want these things at all. I never received my deposit back for services. They also keep contacting me when I 've told them over and over im no longer interested. The company have accessed my file with XXXX WITHOUT my permission multiple times, changing my usernames etc which is UNACCEPTABLE. i have reported them to my bank so they are n't able to have access to my account and I 've also added an additional password to my XXXX account which is who my loans are consolidated through. XXXX XXXX and Equitable Acceptance are companies who get over on many college grads as I 've read. I receive emails saying i will no longer be eligible for student loan forgiveness, etc which I confirmed was not true at all. They call from different numbers, constantly send emails, and im not sure why when i cancelled everything with the company. The account is on both credit reports XXXX and XXXX. The date opened stated XX/XX/2017 in the amount of XXXX which is now XXXX. They are constantly reporting on my credit. I have submitted disputes over and over but nothing is being done.
Consumer complaint received 2019-11-26
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: WELLS FARGO & COMPANY (CA)

XX/XX/18 and XX/XX/18 WFDS made two separate fraudulent hard inquiries to my XXXX report. The contact phone number listed on the report is fake and no address for correspondence is shown. XXXX  has not tried to work with me to remove the fraudulent inquiries.
Consumer complaint received 2024-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CO)

In XXXX of XXXX, I discovered an Imagine XXXX  account had been opened in my name. 
I immediately contacted customer service for information. After further research, I learned my XXXX granddaughter had applied thinking it was for anyone in the family. I called Imagine again to accept responsibility for the account and to begin making payments. I was told that before I could access the account, I would need to submit proof of identity and they would email a link so I could upload and send documents. 
After several weeks and several calls to customer service, I finally received the link.

I submitted the required documents. Four to six weeks and several phone calls later, I finally received a statement. Due to the length of time past, the balance went over limit with late fees, over-limit fees, accrued interest and a returned check fee. 
When I first called, the balance was around {$1400.00}. Due to the inability of Imagine XXXX  customer service to respond in a timely manner, the balance escalated to over {$2000.00}. 
I responded immediately to get this issue resolved, to no avail. Attempting to explain what had happened was next to impossible as they didnt speak clear XXXX and couldnt understand. 

I am filing this complaint due to the failure of Imagine XXXX  customer service department and the resulting balance from fees and interest which are not my responsibility. 
I am requesting that these fees be removed and a reasonable balance be established.
Consumer complaint received 2019-11-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (GA)

XX/XX/2018, I called American First Finance about making a payment. I knew I wasn't able to pay my monthly because it's been laid off and was now back to work. I had worked out a plan with them, over the phone ( I recorded every call ) and they promised me a reduction in fees and this program would get my caught up. I authorized only 1 payment out of my account. I concluded the call this immediately I got texts from my bank stating my account was now in overdraft and the overdrafts were increasing! I looked my bank and spoke with them and put in a fraud alert. I had to have all of the charges reversed but American First had stolen over XXXX out of my account and my bank recovered only two of those transactions. I lost over XXXX which was the whole balance owed on the loan and the company refused to give me a receipt, since they had all of the money, or to stop harassing me with collections or even return the money they illegally stole. It's been a year and I get the same run around but now? I'm going about this differently.
Consumer complaint received 2018-01-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D. SCOTT CARRUTHERS (CA)

XXXX XXXX of Attorney XXXX XXXX office has repeatedly called and harassed family members asking for my contact information, even after I have left several messages not to contact anyone, or to contact me at work or my cell phone # for a debt I allegedly owed. I asked for validation of the debt and no response. They continue to ignore my requests and I am not sure what else to do make them stop. I am concerned they will continue to harass family members, friends and continue calls to my place of work.
Consumer complaint received 2017-11-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: MB FINANCIAL, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX, XXXX, Bank employee XXXX XXXX Stated that my savings account was closed preventing me from making a deposit into my savings account. XXXX XXXX XXXX, XXXX, Never answered the Certified letter sent and received by VP XXXX XXXX that was sent to him, due the meeting with myself and two witnesses which was present at the meeting thats willing to testify concerning XXXX XXXX XXXX, IL ; XXXX XXXX XXXX, Check # XXXX, XXXX, IL., Legitimate, Certified, XXXX, Act ; copies! XXXX ; Demand applies, my name is indicated by XXXX XXXX XXXX , XXXX, causing Fraud Upon the Courts/ Aid & Abetting! Coverup are a Crime!
Consumer complaint received 2017-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MO)

I have a XXXXXXXX XXXX student loan that I began repaying in XXXX. I was working for XXXX XXXX and now a XXXX XXXX XXXX XXXX for the past 33 years. I applied for public service loan forgiveness and was told I qualified except for my repayment plan.i was never told I should change by repayment plan and I always stayed in whatever payment plan the department of education established for my loan. I feel like I have been taken advantage of.XXXX XXXX XXXX tell me they have now but my loan in an approved payment plan but said I still wo n't qualify as I do n't owe another 10 years of payments.they made my monthly payment go up {$3.00} a month.
Consumer complaint received 2017-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: NAVY FEDERAL CREDIT UNION (MD)

Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. 
I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. 
It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.
Consumer complaint received 2023-05-27
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: SYNCHRONY FINANCIAL (NV)

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 XXXXXX/XX/XXXX I received an email about my email being listed on the XXXX XXXX  and my identity being compromised looking into my credit profile. I noticed all these charges. The only thing that should be on my credit inquiries are my XXXX XXXX XXXX XXXX which is the bank I bank with a transaction from XXXX on finance and a XXXX  credit card. I am requesting these inquiries be removed immediately. I have also added another freeze to my profile. 

Thank you for your prompt attention to this matter!
Consumer complaint received 2017-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Business Bureau (MO)

I had a procedure done at XXXX XXXX XXXX ( XXXX ), back in XX/XX/XXXX/XX/XX/XXXX. At the time I did n't have insurance and I applied for and received financial assistance for my bill. The XXXX financial counselor at the time, XXXX XXXX, stated that the financial assistance would also take care of 'ANY PROVIDER from XXXX XXXX & they would HONOR the financial assistance from XXXX XXXX By the time I received financial assistance from XXXX XXXX ; XXXX XXXX XXXX had already sent my bill of {$340.00} to XXXX XXXX XXXX XXXX. I initially explained to a very rude and aggressive XXXX representative, that I was not working had no income and was waiting for XXXX to make their decision regarding financial assistance. Once I received the letter, I FAXED the aggressive and rude, XXXX representative a copy of XXXX financial assistant letter ; ON MORE THAN ONE OCCASION. XXXX continues to refuse to honor the letter and wants me to pay them directly ; which I 'm refusing to. I continue to dispute this with them & just recently again disputed this item with XXXX. XXXX is refusing to honor the agreement the original debtor has regarding XXXX patients receiving financial assistance ; which is fraudulent. They also ignored the award letter I faxed over to them showing them the issue was resolved. 

At this point I can only attach a copy of the email I sent to XXXX XXXX asking for another copy of the award letter back in XX/XX/XXXX ; I have emailed XXXX XXXX requesting another copy of the letter. 
This incident has been ongoing since XX/XX/XXXX with XXXX.
Consumer complaint received 2019-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I submitted the Public Service Loan Forgiveness yearly Employee Certification Form in order to receive credit for my last 12 qualifying payments. Only 11 payments were counted. I contacted MyFedLoans and was told that one payment in XX/XX/2018 was not counted because I was " paid ahead '' and there was no bill for that month. After discussing the error with MyFedLoans and submitting documentation that I did indeed make a payment and had received a bill for that month, I was told that my payments would be recalculated. 

It has been over 3 months now and I still have not received the recalculation, nor have I received the credit for this month that was not counted. I have contacted MyFedLoans to  ask why the recount is taking so long and received no answer. 

I am requesting a recount for the last 12 payments submitted on the most recent Employee Certification Form to correctly reflect qualifying payments made.
Consumer complaint received 2023-05-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Collins Asset Group, LLC (TX)

I received a threatening letter from XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX Phone ( XXXX ) XXXX. This law firm is claiming to be a debt collector trying to collect a debt that monies are owed to Collins Asset Group , LLC. I responded to the law firm asking for the XXXX XXXX XXXX to send me the name and address of the original creditor and if I do not respond by XX/XX/XXXX the law firm will sue me. I responded/disputed to XXXX letter XXXX choosing " I want you to send me the name and address of the original creditor. '' On XX/XX/XXXX, I received another letter from XXXX XXXX Firm stating that they have advised their client ( Collins Asset Group , LLC ) to update the matter as disputed. 

I believe this loan was fraudulently made using my name. I did not receive an amount of {$7400.00} into the XXXX account because I did not bank with XXXX in XXXX. I did not sign a contract by XXXX Bank- the loan agreement shows a XXXX signature and this is not my signature. The signature looks to be forged or digitized. The loan agreement shows 15 pages but I only received 11 pages from this law firm.

I reviewed my bank statements and personal information and do not have any deposits into any accounts of the amount {$7400.00}. The paperwork I received from XXXX XXXX XXXX ( document labeled XXXX XXXX ) sent the document with pages 12-15 missing.
Consumer complaint received 2017-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mullooly Jeffrey Rooney & Flynn (NY)

Sir / Maam, Good Afternoon. 

Belated XXXX to all. 

I have a terrible post-XXXX day, this is my story. 

I have a checking account with XXXX XXXX XXXX XXXX, NY, debit acct ending in XXXX. 

Upon logging in to my Online account ( XX/XX/XXXX ), to my surprise {$5900.00} of my hard-earned money, saving for rainy days has been put on hold. 

According to XXXX XXXX Legal Department it was put on hold until i pay the amount of {$2900.00} and plus the interest the full amount to XXXX XXXX XXXX XXXX XXXX. 

I was told by XXXX XXXX Legal Dept. to settle this amount and call them, this is the index number XXXX of my case. 

I havent given any information on what financial institution or whom i owed the amount being garnished, it was just the name XXXX something ( not Sure ), and it was in XX/XX/XXXX-XX/XX/XXXX debt. 

It was NOT CLEAR and im confused and frustrated that my honest and hard earned money can go to the Law Firm, just like that. 

Upon searching the internet the Mullooly, Jeffrey, Rooney & Flynn - XXXX XXXX XXXX, XXXX XXXX, NYXXXX- XXXX ( XXXX ) have been good cleaning up peoples bank account through legal maneuvers victimizing small and ignorant of the law like me. 

As i write today, my XXXX XXXX checking account has been on hold with the total amount of XXXX. i just did an external fund transfer and i was denied of acces. 

Cut the story short, im a victim of this XXXX XXXX, i dont recieve any confirmation or any letter of notification, or a formal phone call or any form of notifications from Mullooly, Jeffrey, Rooney & Flynn. 

I need help, i know this is illegal done to me. 

Please help me recover my money, this is all i have in life, this is my emergency fund. 

im employed as a clerk, i dont earn a lot, i dont deserve this, im honest and hardworking person. 

Thank you from the bottom of my heart. 

Respectfuly yours XXXX Attached are the pdfs for your info.
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

I purchased a washer and dryer online from the Home Depot website. During the purchase I read that if I open a Home Depot credit card I will receive a {$100.00} credit on my first purchase. I decided to do that and purchased the items for a total of {$1500.00} with a scheduled delivery date of XX/XX/2019. With the promised {$100.00} credit for my first purchase the total should have been adjusted to {$1400.00}. While I was at the local Home Depot in XXXX XXXX, NY on XX/XX/2019 to purchase some unrelated items I decided to look at the washer and dryer floor models I purchased online and noticed that they were selling for {$50.00} each lower than the price I received online. I asked a sales associate if the price I paid the week before could be adjusted to the sale price, they told me they could but I would have to go to the XXXX, NY store to receive the credit because it was registered as a sale from their store. I drove to the XXXX store and spoke to a sales associate there and they credited my original purchase price {$100.00} plus tax for a total of {$100.00} credit. The total cost of the purchase should have been {$1300.00} with the credit for the sale price and the separate credit of {$100.00} for opening a Home Depot credit card. I called the credit card representative and explained the discrepancy when I received my credit card statement and they explained to me that they can not give both credits. I explained that if I purchased the items on sale and opened a credit card account I would have received the {$100.00} credit for opening the account but the associate I spoke to, XXXX # XXXX, stated it does not work like that and they can not give 2 credits for the same items. I believe the {$100.00} credit is separate and distinct from the credit I received because the item was on sale. When I opened the credit card account I was told by the representative that I would receive the {$100.00} credit for opening the account. It does not state You can not get the {$100.00} credit if the items purchased are on sale.