davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I am writing to formally lodge a complaint against Bank of America due to a significant error they made that resulted in marking me as late on my account. My name is XXXX XXXX XXXX, and I am using this platform to address this issue. 

The incident revolves around an oversight on the bank 's part regarding the update of my address on my loan account. Despite correctly updating my bank account addresses online and at the branch after I relocated, my loan account address was not modified accordingly. Consequently, I did not receive any notices or communication from them regarding my account. 

I moved to my new residence some time ago and promptly updated my address both online and at a local BOA branch. While they successfully updated my checking accounts, regrettably, my car loan account address remained unchanged. I possess statements for my bank account that accurately display the updated address, in contrast to the auto loan account which still reflects the old, incorrect address. Furthermore, even the old address listed on the car loan account lacks my apartment number due to their oversight. 

I've attached copies of the bank statement which show the updated address. 

This situation has caused me significant distress, as its repercussions have had a substantial impact on various aspects of my life. Throughout my history as a customer, I have consistently upheld my responsibility and made timely payments. 

The gravity of this error has translated into several adverse consequences that are severely affecting both my personal and financial well-being. These consequences encompass impediments in obtaining home approvals, a considerable loss of valuable time, XXXX XXXX and resulting XXXX, as well as marital discord stemming from my inability to refinance my existing home. 

I kindly request a swift and thorough investigation into this matter, along with the necessary rectifications to address the damage caused. I believe in the integrity of Bank of America and hope that this issue can be resolved in a manner that restores my faith in your institution
Consumer complaint received 2024-07-01
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. (SC)

I hope this complaint finds you well. I sent all three ( XXXX ) bureaus, letters on XX/XX/year> about them violating my federally protecting rights for tainting my credit report with erroneous information. How can I possibly owe two balances to two different companies for one account? Please explain to me how I owe this same alleged debt to two companies? It seems to me as if you are very unclear yourself otherwise, you wouldn't be reporting these erroneous accounts. Please delete these accounts from my credit report immediately. I would really like to resolve this before I consult with an attorney to pursue legal action.
Consumer complaint received 2017-02-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

" ERC Debt Collector '' keeps robo calling and I have absolutely NO debts and could not possibly owe any money to anyone. They call about three times a week leaving a Reference Number for this issue and their telephone number ( XXXX ). I have never called back as I do not want to be ensnared in a scam. How can I get them to stop without calling them back? Thank you.
Consumer complaint received 2024-07-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC (CA)

I have requested to continue making reduced monthly payments but was rejected. 
When Loan was obtained I was getting paid from XXXX XXXX Insurance companies, In XXXX of XXXX my Income was reduced to XXXX company only and now its only XXXX XXXX XXXXXXXX -- is my source of income. 

They have reduced my payment to an affordable level and I continued to make payments without being late once. 
Last month they have stopped their help and returned to a regular payment that I can not afford. I had reached out to them before month end in XXXX and was told that they can only help me after XX/XX/XXXX, stating that account has to be over 30 days late in order for them to help me. I called today asking for help and they bluntly refused to work with me. 
Stating that even if I call the President of their company NOTHING will be done or accomplished. They obviously lied to me in XXXX when promised help after XX/XX/XXXX. 

I am on XXXX  XXXX and my INCOME WILL NEVER CHANGE ANYMORE.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-08-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

I made a transfer from my card to my account just trying to empty the card that I was canceling, and my account got suspended with money that I need in it. They refuse to answer why this happens so often, as this is at least getting close to the XXXX time this has happened. They need dealt with, matter of fact just shut down completely. Thanks to this, I wasn't able to get a payment method verified to be able to buy food. So as a result of their poor programming, I haven't eaten in XXXX days. They are now requiring me to send them a bunch of different documents, just because of XXXX charges of less that {$10.00} ( XXXX charge was for {$2.00} and the other for {$6.00} ) I made on my own cards in order to test out my phones XXXX tap to pay function. I simply want my {$8.00}, and them to be out of my life completely. But they are trying to make me jump through a XXXX hoops. I feel like this is grounds for investigating and possibly a lawsuit due to the frequency of which this happens to their customers. 

Attached to this complaint is the email of the demands they made, my balance, the transactions that they are making this fuss over, and the main page of the " business '' account that I made for my XXXX channel. The fact that they are being this way over an account that only sends money to himself and family, is absolutely ridiculous. They should be embarrassed with their system. So to show why they need investigated, I've also attached some statistics and customer comments showing that they are lazy crooked business practitioners.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

Cash app. I began complaining XX/XX/XXXX. Due to missing funds. I got no resolution. 
XX/XX/XXXX I continued to complain. Now they were making account decisions on my behalf and I was no longer in control of I ever really was, of my own account. 
Today XX/XX/2024 I have come to feel that they may have possibly further stepped in control of my account due to my linked debit card account with XXXX having a balance of {$2100.00} missing with no trace as to where the money went. Neither company is taking any responsibility, not able to explain anything to me as to where the money went and I have learned through this situation they both can just type in new information to change the what I can see online. Only they even if they add transaction record to a ledger they can't just change my balance to match it. I just want my money back. I am complaining about both companies.
Consumer complaint received 2024-08-20
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (DE)

After my previous complaint to which I provided a response today I have anther reason to file complaint - unauthorized closure of my membership with Sam 's Club. My membership was paid with XXXX XXXX credit card and not Synchrony bank credit card which I obtained much later. Yet I received a notice from Synchrony bank that my Sam 's Club membership had been closed effective XXXX XXXX, XXXX  due to inability to " automatic renewal. '' Since payment as made with a credit card from XXXX what authority Synchrony bank has to cancel my membership unliterally?!
Consumer complaint received 2017-01-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (OK)

This is in reference to Case Number # XXXX. I am adding additional information to my previous case. 

I sent an email on XX/XX/2016 to Big picture Loan and stated I wanted to close and settle the account and have the ACH Debit and Credit authorization stopped effective immediately.After no response for 2 days. I sent another followup email on XX/XX/2016 and I still have n't heard anything and to contact me by email only. My account with BIG Picture Loans is stating that they have been attempting to contact to discuss the loan and that in order to resolve and bring the account current, please contact us immediately at XXXX. I have spoken to the customer representatives to resolve the debt and I have been met with rude and nasty reps and they are telling me a different story. I have made a a total of {$250.00} worth of payments and I still have a large outstanding balance due to the interest and fees that have incurred on the account. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.No representative can explain to me the details of the interest which seems to be extremely high. I have attached documentation showing the payment and emails that I have sent to them. This company is Red Rock Lending, It goes and has gone under multiple names, Castle Payday, and has now changed its name to Big Picture Loans. 

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX, MI XXXX Please help me resolve this issue.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (MO)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized closure of my roofing companys merchant account and the subsequent withholding of my funds. 

In XX/XX/year>, XXXX required me to verify my account, which I promptly completed. Despite full compliance, XXXX terminated my account and all communication without explanation. I later received notification that my funds would be held for 90 days. 

This action has caused significant financial hardship to my business. The withheld funds were intended for an interest-bearing account, resulting in financial loss. Additionally, delayed access to these funds has led to late payments, negatively impacting my business XXXX XXXX. 

XXXX  actions appear to violate consumer protection laws by unfairly holding my funds and causing financial harm. 

I am seeking the immediate release of my withheld funds, appropriate compensation for the financial damages incurred, and a resolution to this matter. 

I have attached copies of relevant documentation to support my claims. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

This is fraud. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently and immediately or I will seek damages to the highest extent of the law. 
- [ ] NATLCRSYSXXXX XXXX XXXX  # XXXX
Consumer complaint received 2024-07-31
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: EQUIFAX, INC. (FL)

I am writing to dispute account on my credit report that were made whithout my consent. According to section 604 of the FAIR CREDIT REPORTING tosection act ( 15U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report 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 2024-07-01
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. (MO)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings (FL)

I have made several attempts to obtain an apartment for safe housing off the streets from being homeless. And each time I have wasted my money on applying just to still be home because of the adverse information that CoreLogic Rental has reporting. I request to be opted out of any written, non written, verbal and/or non verbal consent or permission to share my information with anyone without my permission. 

15 USC 6801- 6805, 5 USC 552 ( A ), 16CFR 444.1, 15 USC 1681, 15 USC1692 ( E ) ( 7 ), CFR 313.7, CFR 313.7 ( F ).
Consumer complaint received 2024-07-01
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. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP (FL)

Dear Sir/Madam, I am writing to formally dispute inaccurate and misleading information being reported on my credit report. The inaccurate reporting is not only hindering my ability to obtain credit, but it is also negatively impacting my financial well-being and personal reputation.

Enclosed with this letter are the details of the disputed account, along with my personal information to help verify my identity and expedite the resolution process.

Under the provisions of Section 1681i of the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following item. I ask that you provide proof of the account, including a copy of the original contract bearing my signature. If you can not provide such proof, I request that you either update the record to show the account as " Paid in Full/As Agreed '' or remove the item from my credit report entirely. This matter is of great importance and has a direct impact on my daily life. 

The details of the item in dispute are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX This account is currently listed as a collection/charge-off on my credit report. However, I have not received a 1099-C form for this charged-off debt. I request that you either provide me with a 1099-C form to accurately reflect this as a charge-off for tax purposes, or immediately update my credit report to remove this item. XXXXPursuant to Section 1681i ( 6 ) ( A ) of the FCRA, please provide me with a description of the procedure used to determine the accuracy and completeness of the information within 15 days of the completion of your investigation. I appreciate your prompt attention to this matter. While these may seem like minor reporting errors, they have significant consequences for me, especially when it comes time to purchase a home, secure a vehicle, obtain a business loan, or even seek employment. I kindly request that you expedite this process. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC (VA)

XX/XX/year> submitted a modification package for an emergency situation with a job loss and requested a forbearance and modification assistance. The company did not get back to me and Time so they rejected my package and I had submitted material and talk to the customer service representative. Their modification department is XXXX XXXX  submitted a modification package for an emergency situation with a job loss and requested a forbearance and modification assistance. The company did not get back to me and they just rejected my package and I had submitted all the material and talked to the customer service representative. Their modification department is a separate entity from the mortgage company, which is losing track of peoples packages and not responding to people in a timely man. I need immediate assistance for forbearance because theres only one income in my house and they can not afford to pay the mortgage on my own and im a XXXX veteran so I need assistance and they are not providing the proper assistance and ignoring documents when they get sent in holding onto the documents and not falling through with modification forbearance assistance.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (FL)

I tried applying to care credit, and was told it was a soft check, got denied, and the I have a hard hit on my credit score. I called care credit and they stated that they don't do hard hits on credit and they don't know why it shows on my credit. I want it taken off because I never even got passed the application process to even get a hard hit.
Consumer complaint received 2024-08-20
Product: 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: Block, Inc. (FL)

On XX/XX/year>, I checked into the hotel-see attachments and was charged an incidental deposit/hold of {$100.00}. The hotel agent assured me that it would be credited back after check-out. He said it shouldnt take more than 3 to 10 business days to see hold removed/money back. Ive stayed at this hotel a number of times, and have ALWAYS received the money back within 3 business days!! Cash App is refusing to be of assistance in this matter, and also deliberately making the situation more difficult than it has to be!! Cash App is refusing to apply the credits of {$100.00} each-the charges are still pending-and its been about 3 weeks since I was charged!!! The merchant/hotel claims its up to your bank or financial service to give you your money back within the 3 to 10 business days. Ive reported both Cash App and the hotel to the bbb.org, and was unsuccessful at reaching a resolution. In the attachments provided, theres proof of check-in and check out dates, and the dates of the incidental holds placed on my Cash App card. The check outs have been finalizedthey never take more than a couple days!!!! Im in a state of distress and emergency and need my moneyI should have had it back more than 2 weeks ago!!! Cash app has been uncooperative and wasting my time in regards to this issue.