davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (PR)

I took out a loan to be able to study for my XXXXXXXX XXXX in XXXX for {$15000.00}. It began to be paid in XXXX and I am being charged a penalty amount to such a point that being in XXXX I still owe {$12000.00}. Every month they increase my payment amount. Payments started at {$180.00} and are now up to {$230.00} every month. When I enter the application I see that they charge me 2 interests, the first of XXXX fluctuating month to month and the second of about {$130.00} fluctuating month to month.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc. (IL)

XXXX Cash App XXXX XXXX Transfer app-XXXX XXXX ( prior issue {$50.00} in account never made available plus one more, ill reopen app for date ) Employer-XXXX I made a {$48.00} transfer yesterday, I agreed with Cashapp that the cpu reads Transferred but the cash did not load, like it did today and all the other days. It may be XXXX XXXX XXXX XXXX due to XXXX other pay issues, I just want to know if im hacked or basically getting to the bottom of this. 

My balance did not increase, I waited 24 hours, a message read XXXX XXXX on cash app now my money missing but worded as transferred
Consumer complaint received 2023-05-03
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: MRS BPO, LLC (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX MRS Associates account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.
Consumer complaint received 2023-08-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc. (MN)

I answered a potential risk call and the person said that they were " XXXX '' and need me to verify that I am who she said. I asked that I needed to verify what company or business they were before answering any information. After 5 or 6 attempts to get this she stated they were " State Collection Services. I said ok why are you calling. They said they needed to identify me prior to answering that. I refused to give my dob. She said a street address that I had never heard of amd then a secondary one as well. I said you are incorrect and I verified the her name as XXXX and said that this is clearly a scam and I will be passing the number, name and " business '' name off to authorities.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/year>, I Applied For A Platinum Card With American Express, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My Credit With This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose Mentally and Physically and Financially, Not Only That But It Showed Up On My Consumer Reports.
Consumer complaint received 2024-05-24
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (FL)

On XX/XX/year> while I was working in XXXX, XXXX with my Money Network XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX card on person. Someone, criminal was making XXXX, separate cash Withdrawals of {$300.00} from an ATM at a XXXX XXXX XXXX XXXX, XXXX  at approximately XXXX XXXX while I was working in XXXX, XXXX with my card in my possession. Later, that same day at approximately XXXX XXXX  at a local XXXX I made a purchase and an attempt for cash with said card when I was alerted of decline. I immediately, called Money Network and informed them of said situation. You can not lock the card, their website seems always to be under maintenance and you never speak directly to Dispute Dept. XXXX I have been denied dispute based on grounds I gave someone my pin #. I have wrote a letter of Appeal stating the Denial is baseless Since I always had & still have my card in my possession. I also filed complaint with XXXX via the XXXX Police XXXX. Please help! Thank you!!
Consumer complaint received 2024-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The following inquiries were unauthorized : 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 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 2024-05-24
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (OH)

Last month In XXXX I made a payment of XXXX a late fee was charged for XXXX when I made a payment on time it never processed so I was charged a late fee. This month my payment was due on XX/XX/24 instead of my usual XXXX due payment. It suddenly went up to me owing XXXX for no apparent reason. This credit account is closed and has not been used so there is no reason I should owe more than the required XXXX. Today XX/XX/24 I went in to make sure my payment posted that I paid yesterday and it did not. So I had to pay the XXXX today and next month I will be charged another late fee on top of whatever other fees XXXX decides to tact on. This is not right that I keep getting charged all these fees on a closed account. This is fraud. And I am keeping a paper trail cause I am obtaining an attorney. And the first step I was advised was to report this to you guys.
Consumer complaint received 2023-08-24
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. (IN)

I have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-24
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. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Re : XXXX Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. Transunion and XXXX are reporting these accounts as current with no derogatory information yet you XXXX are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this matter
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC (GA)

NorthStar location services is attempting to collect on a debt that was sold to them by XXXXXXXX XXXX XXXXXXXX in which I did not give permissible authorization to sale my personal Information. I had no agreement or business with NorthStar Location services. I sent in a notice requesting NorthStar Location services send in debt validated documents in which they could Not produce. It is illegal to report information on my credit report without my consent. I didnt ask for billing statements also As I stated before, I have never done business with NorthStar Location Services LLC . I didnt give permissible authorization to XXXXXXXX XXXX XXXXXXXX XXXX XXXX to sell my information to this third party which categorizes as identify theft.According to the Fair Credit Reporting Act, 15 U.S.C. 1681g, I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report in which you have failed to do so. Under law FCRA section 605B it is illegal to report information on my credit report without my permission. Remove this from my credit report.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I did a modification with Nationstar Mtg. in 2013. In my modification is was unclear that they were adding a XXXX trust deed for the arrears. This has created a financial hardship for me due to the loan limit restrictions for XXXX XXXX. The subordinated note provided to me states that this loan is due in XXXX. It was completely unknown to me that this was a balloon payment. On this document they failed to indicate that there is a balloon payment feature. When I spoke with them I was under the impression that this amount was being forgiven not added as a second with a balloon payment. They contacted me several times on different occasions to sign documents and sent out a notary public each time. When I asked what they were for, I was told that is was to finalize my modification, no mention of a second. After sending XXXX different people out Nationstar Mtg. approached me a 5th time and offered me {$1000.00} to sign the docs. As I was going through financial hardship I accepted the money and signed the docs and was mislead as to the actual terms, as I thought this was to modify my original note not to add a second note. Because of the FHA loan limits I am unable to refi. I would like to know If this amount can be forgiven as I was initially lead to believe it would be. It is my request that this amount be forgiven due to misrepresentation.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (MN)

I am writing to formally report that I am a victim of identity theft, which has resulted in several unauthorized activity on my report. I never got a joint loan with Toyota motor and I'm a victim and I did not sign or consent to this
Consumer complaint received 2024-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

I am writing to dispute XX/XX/2024 there was a hard inquiry added to my XXXX and XXXX credit report by XXXXXXXX XXXX, credit reports this fraudulent hard inquiry is not currently on the XXXX report. I notified them that my personal information is being improperly used and I did not inquire nor am I currently seeking credit with their bank or any other creditor. I sense have notified the three credit bureaus of old addresses requested to please mark invalid and other inappropriate reporting on my credit. Creditors are correcting their mistakes and causing financial difficulty due to my credit score being severely decreased due to creditor correcting their mistakes and reporting closed the accounts as current. Then properly removing clothes the accounts that are trade line history showing I have paid accounts or good payment history.
Consumer complaint received 2024-05-23
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: FORD MOTOR CREDIT CO. (TX)

I recently viewed my credit report and found inquiries that I did not authorized nor have awareness of. One of them is Ford Motor Credit Company XXXX XXXX XXXX XXXX XXXX. The Bureaus are violating my rights according to the FCRA Law by allowing other company have access to my file. Please help me have these inquiries deleted as soon as possible as this is hurting my credit score.
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COAST PROFESSIONAL INC (CA)

Received a debt collection notice from Coast Professional Inc,, XXXX XXXX XXXX, XXXX, NY on XX/XX/XXXX for {$950.00}. We called and could not get any information about what the debt was for. We send letter XX/XX/XXXX to Coast requesting more information. We send one by mail 2 by fax. Coast finally responded after I called them and said they could not provide what the debt was for, we would have to contact the IRS. We called the IRS and got nothing. Only thing IRS responded with was send a form letter to request what the bill was for. The IRS had sent nothing to us about the debt. We sent the 4 letters of request to the IRS on XX/XX/XXXX we have not had any responce from the IRS as of XX/XX/XXXX. We do not know what the bill is for. Only the IRS does and they don't want to tell us? Today we received another demand for $ {$960.00}, with no copy of bill or proof of what it is for. We use a XXXX firm to handle our accounting and file our tax returns. They have double checked our XXXX tax return that is in question and find nothing wrong. The only people who know what the bill is for is IRS, IRS also will not share with us the bill, WHY? 
Rather than sending us a bill/notice with the issue..they turn us over to a collection agencey who don ; t even know what the debt is for or have copy to provide to us. These seems more like a fraud/scam operation? Why the hold back on giving us a copy of the bill? why do we have to jump thru all these hoops if the IRS found something they think is wrong? or did they? Very frustrating to try and resolve a problem when you dont know what it is.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX Merrill Lynch has decided to end our relationship without providing any explanation, and has frozen all of my accounts, refusing to provide me access to any funds. I have been a loyal customer for over 30 years, am a member of their Preferred Reward Platinum Honors program, have dozens of personal and business accounts with them ( checking, savings, credit cards, investment accounts, retirement accounts, etc... ). I have spent the majority of this week at the local branch trying to access my accounts, with the assistance of the branch manager, and every day ends with them telling me to come back tomorrow and try again. To make things worse, they are saying they will eventually mail me a check, weeks from now, for total value of my accounts, liquidating my investment accounts which will create a large taxable event for me, rather than allowing me to transfer the account to another institution.
Consumer complaint received 2024-05-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (FL)

I purchased a card from XXXX, it was a NetSpend prepaid card I loaded the card at XXXX for {$40.00} on the same day, I got home called to activate the card and it wouldn't allow me to activate it it said to call customer service, I called customer service sat on hold for XXXX hours to be told I can't activate the card due to them not allowing me to have account with them, even though I have had a regular card through them for years now with no problems from my end nor there's, they told me they couldn't activate it due to problem an they would be sending me my {$40.00} to my address an almost a month has went by no sign of my {$40.00} in the mail I have called several times keep getting the run around, I really needed this XXXX dollars I know it's only XXXX dollars but I'm on a fixed income I need everything I have, please help me
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 2024-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY (GA)

Purchased XXXX XXXX XXXX XX/XX/XXXX I totaled the vehicle the insurance company paid the amount it was worth. I forget what its call when you pay extra money in case the insurance doesnt cover how much you owe. I was very aware that all payments was taking care of until TD Finance added me to my credit report. TD Finance informed me the company that takes care of that after the insurance pay what its worth deduct wear and tear and there were no marks, dirt or tears. So in order to get it off my credit I paid for it to have a XXXX balance and they still out it on my credit I have been calling but know respond
Consumer complaint received 2024-05-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (TX)

Commencing on or around XX/XX/year>, I fell victim to a multilayered scam operation orchestrated by XXXX  Broken ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX  which was transferred from my Robinhood wallet. 

I made two attempts in getting some answers directly from Robinhood, but i was bluntly ignored. I will attach complain letters.
Consumer complaint received 2024-05-02
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.