davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/year> after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/year>. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in XXXX processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.
Consumer complaint received 2024-08-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (MD)

On XX/XX/XXXX at XXXX XXXX, I called the XXXX at XXXX. I explained to them my situation. I lived with my grandma there a few years back. I moved out first and then my grandma moved out at a later time. When she moved, she owed back rent. I don't even remember signing any lease papers or anything. I called to ask about the amount that is on my credit report and I was asking how it can get paid and whether it can be a decreased amount. The representative I spoke to said its with a collection agency. Well, I received a letter from the collection agency saying that " the debt hasn't been with them since XXXX and they sent it back to the XXXX at XXXX ). XXXX at XXXX says they don have the debt. I requested a letter stating that and the lady ignored me. I then asked her, how come my grandma can still rent but I can't and she stated " it has something to do with her age, since she's older than me, she gets more benefits ''. I told the representative " this isn't fair at all ''. I am a XXXX XXXX XXXX single mother of XXXX XXXX  who is a college student. I have a rental subsidy that I need to use and no one will accept me due to this debt that is on my credit report in the amount of {$2500.00}. 


I called the XXXX on XX/XX/XXXX at XXXXXXXX XXXX and no one answered my phone call. 


On XX/XX/XXXX at XXXXXXXX XXXX I called the management company of the XXXX at XXXX, I explained my issue once more. The representative told me " someone will reach out to me, no one has reached out as of yet. I know it is only XX/XX/XXXX '' Yesterday XX/XX/XXXX at XXXXXXXX XXXX I drove to the XXXX at XXXX to explain my issue again and get some type of documentation of the debt they 'claim '' I owe, the lady said " I remember speaking to you the other day, The debt is written off '' I told her " I need some type of documentation like a lease or something so I can see myself how I owe this debt '' she looked around and said " she couldn't access the file at the time ''. I believe the file could have been accessed, she was just. being lazy because I was the only person in that leasing office, so she was more than capable of doing so. She asked me for my name and number, I gave her that information and so far nothing yet. On XX/XX/XXXX when I called she was able to access the file because when I asked her questions, she paused. So, now when I arrive in person, all the sudden you can't access the file and print me out the documents I am requesting. 


I don't have any date of this debt only the year which she told me was XXXX. I am demanding this be taken off my credit, or give me the documents so I can see for myself how I owe this money or settle for a lesser amount.
Consumer complaint received 2023-05-19
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. (FL)

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I am not aware of this account in my consumer report. 

I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Consumer complaint received 2024-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (AZ)

Square ( already under investigation by the Feds ) has essentially stolen my money and frozen my ability to do business! For NO reason!

Square has frozen its platform so that I can not use it without warning. It froze all of my funds and likewise did not notify me of this despite the fact that it forced me to jump through hoops falsely representing that I would receive my funds.

No such thing happened. Despite numerous requests and hours on the phone and through the portal, I have not been given ONE reason for all of this improper and unlawful conduct.

I would like the XXXX XXXX XXXX owed to me to be disbursed immediately ( which I apparently can not access through the Square checking account as was indicated when I signed up for the account ).

I find Square 's business practices to be onerous, unlawful, and constitute unfair business practices. 

Please provide me a record of all transactions and interaction and your findings so that I may use it in litigation against this company. 

Please provide me with the reasons why Square froze my account over the course of almost an ENTIRE YEAR leaving me with NO ACCESS to XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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. (VA)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to the XXXX data breach there are accounts on my credit report that do not belong to me. Please see my previous complaint # XXXX XXXX in which it was found that XXXX was deleted from my XXXX  credit file XXXX This account is still reporting on my XXXX and Transunion reports. Since this account does not belong to me I kindly request it be removed from these reports as well. It should also be noted that this fraudulet accout appears twice on my credit reports, I am asking that they both be removed as they do not belong to me.
Consumer complaint received 2023-06-20
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. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

They have frozen my account. I have provided them with my phone number and social security number, as well as my driver 's license number. I told them everything I can tell them. However, they still told me again and again to wait for a letter. I have been waiting for XXXX months. I have never received a letter from their bank. Now they have seriously affected my reputation. I need the money deposited in their bank to repay it. Affected by them, my reputation is very bad, and other bank accounts are also overdue.
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CO)

First XXXX collection agency tried to falsely collect about a closed account and paid XXXX account. I've had the same phone # 20 years as I'm XXXX and use # for XXXX XXXX. If you have a bad account unpaid with cellular, they will refuse to " port forward " your # to new cellular company. Hence I have the same # 20 years, how did I get phone # released properly to new service? Because I paid all bills. XXXX admitted later this was 2 months after account was closed that a auto billing was generated and I should ignore it. When service was transferred, they said delay automatically generated bills sometimes occur. 
We ( CFPB ) justice fought XXXX XXXX for fraudulent representation, refusing to provide dated evidence of bills, any and all documents, and LOST! Then XXXX removed scam collection only to now fight XXXX collection agency it was sold to, repeating same scam! 
This is a telecom XXXX XXXX XXXX issue that was resolved by XXXX. Now 3 years later I'm fighting a XXXX collection agency on a {$40.00}. monthly cellular service. I worked my whole life to get great credit, mortgages, auto loans all paid in full, now a worthless scamming XXXX XXXX collection agency is destroying my credit for telecommunications services!!!! people need to go to prison!!! THIS WAS RESOLVED, READ PRIOR COMPLAINTS. XXXX and telecom phone services are not allowed to affect credit scores on people 's lives like mortgages!! I WANT THIS TO STOP!! Damages & penalties should be imposed on this XXXX XXXX agency AMSHER COLLECTION as they keep selling debts to new collection agencies after prior collections sell off. SCAM!!
Consumer complaint received 2023-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MI)

I filed a complaint previously XXXX. This is a new complaint. I was told that my loan modification was being reconsidered and the application was showing as active on my account but then on the same day my Mr. Cooper online account showed " Your Loan Modification Has Been Rejected ''. I also sent a screenshot to the email address Mr. Cooper provided. I was told by XXXX, XXXX, and XXXX that my loan modification was approved. But my account for the last few days shows the loan modification as rejected. XXXX took a payment over the phone for {$500.00} as part of my last trial phase payment but my account is showing that I still owe {$96.00}. If I don't pay this I will be marked as late. If I do pay it and if my account actually still is in the Trial Phase, my loan modification will be rejected because I paid more than the {$500.00}. I also tried calling the manager XXXX XXXX several times. I left messages. On Monday XX/XX/ I will be having major XXXX so I won't be home to answer any calls.
Consumer complaint received 2024-01-28
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. (TN)

I usually dont check my credit but recently did a pre qualification to get approved for another house as I am going to court to sell my current house I share with my eldest daughter XXXX XXXX . The loan officer noticed that there is a second mortgage on my credit that I am unaware of as I dont have a second mortgage. I contacted the XXXX today and the rep said she cant help me to contact the credit bureau which I have already done and they are telling me to contact the bank. I am legally represented by an attorney for the sale of my house and plan to get one to sue this bank if nothing is done about this matter.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (AZ)

I had an XXXX credit card through Goldman Sachs. After many years I was able to pay off the credit card. When I paid off card I call and closed the account as trying to reduce debt. No information about tricking interest is provided upon payoff or closure of the account. XXXX was closed XX/XX/year>. Next statement cycled shows trickling interest from XXXX. This should have been charged upon payoff OR at minimum customer made aware of this hidden interest that only applies when you pay off your credit card after months of carrying a balance. 

I called the credit card company and they denied waiving the {$97.00} interest that was not applied properly. Ive been told these are recent policy changes for many credit cards companies. To me it is greed and not fair to consumers. If they want interest paid they should apply each statement and if paid off should calculate additional interest at that time. 

I know for a fact the company made thousands of interest just from over the years I had the card and didnt pay in full. Asking for customer courtesy credit for {$97.00} shouldnt be so hard. They denied my credit and applied {$25.00} ; couldnt even do half for the inconvenience. 

Consumers beware. I would not recommend getting an XXXX credit card with Goldman Sachs. I will never again or ever recommend.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX  this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaint is a about bank of America they clearly trying to DISCRIMINATE against me... So my card was stolen somehow I never received a card someone stole thousands of dollars from..So I filed 4 CLAIMS through BofA to replace the money I lost, I had a claim for over XXXX dollars another one for over XXXX dollars another over XXXX dollars and the last one was only for XXXX dollars ... Bank of America DENIED 3 of the 4 CLAIMS..THEY approved the claim that had the least money but all the transactions were from the same card that was stolen..
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MO)

I am XXXX XXXX XXXXXXXX through XXXX with a rare XXXX in which XXXX causes my XXXX to become worse and Portfolio Calvary is reporting a collection debt to my XXXX that violates the FCRA and Federal Law under Section 112 and 114 due to they are not reporting when the last delinquency was with original creditor and therefore I am unable to verify this is my debt and XXXX who they pay was reckless in allowing them to quickly verify the debt without any substantial information. I never received anything regarding this debt to dispute it from Calvary Portfolio. This collection must be DELETED as it violates Federal Law and my Attorney XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is ready to act against Portfolio Calvary & XXXX for damages, including under the ADA.
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC. (AL)

On XX/XX/year>, I purchased a car for my now Ex husband. Within a year, I gave the car back. My husband and I got a divorce. My ex husband no longer wanted to pay for the car. Santander sold the car and they sent me a letter, that they sold the car, and I didn't owe the balance. I can't find the letter. Years later, they start calling and harassing me. Santander was sold to XXXX  and then they start calling me. Now XXXX bought XXXX, and they are calling me. This auto loan is XXXX XXXX XXXX. I thought the statue of limitations, for an auto loan, in the state of Alabama, is no more than 6 years. I want the calls to stop. They call me everyday from the same number and now odd numbers too. The phone number is XXXX.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (NJ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP (PA)

My name is XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX ( Debt Collector ). The letter stated that " We are trying to collect a debt that you owe to XXXX XXXX XXXX ''. There is a balance due to XXXX XXXX XXXX for the amount of {$14.00}, XXXX. The debt for the amount of {$14.00}, XXXX dates back to XX/XX/XXXX. 

Reference : XXXX. 

XXXX XXXX : XX/XX/XXXX. 

I, XXXX XXXX, Do Not acknowledge this debt. I Do Not confirm the debt is XXXX have never dealt with XXXX XXXX XXXX. I have no idea how XXXX, XXXX XXXX XXXX XXXX XXXX obtained this false information. 

This debt/account is not listed on my credit report. I do not have any debts/collections/payments with reference to XXXX XXXX XXXX. I would like to request XXXX, XXXX XXXX XXXX XXXX XXXX ( Debt Collector ) to STOP sending me letters with fraudulent requests to pay off the debt.
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (UT)

Credit card through usaa has been nothing but trouble. They are constantly pulling some scam to charge me interest when I shouldn't be. This time my complaint involves when paying my account with usaa visa card, I always pay in full which when done by due date which I always make sure it is, I shouldn't be charged interest but yet in XXXX they charged me even though I paid the statement amount in full.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Transaction history from nonaffiliated third parties are continuously being furnished onto my consumer report without my written consent. The law requires that I receive an opt-out notice every 30 days to which I have not received. I am demanding ALL transaction history to be removed immediately and all accounts to be updated as PAID AS AGREED. I have also requested to opt out of ALL nonaffiliated third parties from furnishing anything onto my report, yet the consumer reporting agencies are refusing to do so and they are in violation of the GLBA.

Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors.

Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exceptions to this definition that enable persons to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the person making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations.