davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC (MA)

I made several attempts via Social Media and App Help Desk ( per the described, outlined methods of contact in the outlined contract ) revoking ACH and debit access to my account. On XX/XX/23 I made 3 requests for due date extension, which went unacknowledged. I proceeded on XX/XX/23 to revoke account access expressly and in writing via the XXXX XXXX XXXX and Social Media XXXX. Both requests were acknowledged as received, however XXXX only moved forward with due date extension and I still had to confirm and continue w/ revocation. Revocation of ACH was completed on XX/XX/23, however XXXX representatives state it is impossible for them to revoke debit access. This has been said multiple times by them in writing. They then processed XXXX $ debit on my card after revocation - XXXX still pending ( unauthorized ) withdrawal XX/XX/23. I opened a XXXX  complaint against them, and they keep updating the XXXX complaint requesting I email in on the original email chain. I did XXXX, no response. i created a new ticket, no response. I called today and spoke to manager XXXX, who says original ticket is closed, no one will respond to that ( so why they are instructing on the XXXX ticket for me to email in on an inactive ticket is beyond me, and why they didnt respond to new ticket is beyond me ). XXXX confirmed it is impossible for him to revoke debit access, but they have escalated to corporate to investigate and someone will call me back. I requested a timeline of callback, they refuse to provide one. I told them I intended to file Attorney General complaint ( i did today ), any other complaint within my legal rights, and consult a lawyer if possible. I also will put a stop payment to them on all debits/charges, which costs me XXXX $ that I should not have to pay, to try and ensure that the payment doesnt process, but I am concerned they will change their name slightly to take the funds, as well as break the amount up, after I have revoked access to my account and they have no legal right to do. It is of note, we are well outside of any needed payment revocation authorization window needed, so any request to revoke should be able to be processed, as payment date is XX/XX/23 and I have been requesting in writing since XX/XX/23.
Consumer complaint received 2023-10-02
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: CORELOGIC INC (CA)

Hard Inquiries on my report Dated : On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credco XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not Allow or Acknowledge these Hard Inquiries on My Credit Report
Consumer complaint received 2023-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Both my parents recently passed a week apart between XXXX and XXXX. I was left as a Beneficiary for a Bank of America account for the amount of approx. {$120000.00}. My only choices for having access to the funds was to transfer it to an existing BOA account, a mailed check or open a Merrill Edge Account, I chose to open a new Merrill Edge Account because I am currently traveling abroad and figured a wire transfer to my Credit Union might make things easier. It has not been. I started the transfers to my credit union on XX/XX/XXXX, received an email saying they received the wire transfer request. Since then it has been a nightmare as on Friday the XXXX of XXXX I tried to access the Merrill Edge app to find out I was locked out and that I needed to call a XXXX number for further assistance. The representative informed me that my account was under review and had no further information regarding the matter. With the exception of Sunday, I have been trying really hard to find out anything regarding my account and everyone at Merrill Edge service center has informed me that there is nothing they can do and can not tell me why, who or when I can either get an answer or access my account. They have essentially highjacked my funds and I don't know what to do or even who to speak with that might shed some light on what is going on. I'm still grieving over my parents death and I still need to take care of other things associated with the death of a loved one including lawyers, funeral home, estate etc. The lack of empathy and transparency regarding my account is unheard of. I am reaching out to you to file a complaint as this is the only thing I can do right now. Representatives at Merrill Edge Service center also told me they could not even give me the name of the department responsible for handling the case. Numerous calls to Merrill Edge and not one response back have left me here. 

There's no protocol here- just the same rote message " the account is under review, no further information is available ''. Are they not supposed to notify me of what's happening?
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (LA)

On XX/XX/XXXX, I logged into XXXX and noticed Zion Debt Holdings, LLC placed a derogatory account as a joint account holder on my credit report which I disputed with XXXX This was the first time I heard of this company. On XX/XX/XXXX, I received a text from Zion stating I owed {$680.00}. I requested proof of the debt to be sent to my email address which I did not receive. On XX/XX/XXXX, XXXX verified the debt. I disputed the debt again on XX/XX/XXXX and was contacted by Zion via text again on XX/XX/XXXX and my reply received no response. On XX/XX/XXXX, I went to Zion Holdings website and sent in a contact form. On XX/XX/XXXX, a representative from Zion Holdings, XXXX XXXX, emailed me a contract signed by XXXX XXXX XXXX ( owner of XXXX XXXX XXXX ) and payment history for XXXX XXXX. I replied and explained that is was not my account, that neither my middle name nor my maiden name start with the letter D, and Ive never worked for XXXX XXXX XXXX. I asked what my next steps were and my email was ignored. Once I received these files, I again disputed this account with XXXX and uploaded the documents sent from Zion Holdings to verify that the account is not mine. There is nothing on the account with Zion Holdings that matches anything on my credit record ( phone number, email address , street address, or employment, and no relationship to the joint account holder ) that would link me to this account except for the fact that I have a similar name to this person who lives in the same town. XXXX is mailing the results of that dispute which I can only assume were verified as accurate once again because I was contacted via text by Zion Holdings again today, XX/XX/XXXX. 

This is not my account. I quick overview of my credit report can verify that. This is a shady business practice that is not only being allowed but being reinforced by XXXX. This is not my account and I want it off my record and I do not want to be contacted by this company again.
Consumer complaint received 2023-12-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (TX)

I received an alert on XX/XX/XXXX from my bank that my credit score had changed and that something was sent to collections for the amount of {$8700.00}. The debt collector was Credit Control LLC. Spoke to them on XX/XX/XXXX and they informed me an account was opened up with XXXX and that many different devices like cell phones and smart watches were purchased fraudulently. They gave me the number to XXXX, I spoke to them, and they informed me that it was unlikely that the issue would be resolved and that I would have to be responsible for the charges. I was informed that XXXX conducted an " lengthy investigation '' by a " Supervisor '' when the account was created and found the account to be legitimate. I was informed to complete an ID Theft Packet but that it was unlikely the investigation would be overturned and I would be held responsible for the debt someone else accumulated.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I am filing complaint as I found inaccurate information BK OF AMER account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (PA)

I am formally requesting verification of the information associated with the accounts in question through the relevant companies. Additionally, I require copies of any documentation pertaining to these accounts bearing my signature, thereby authorizing any contracts. In the absence of such signed documentation, I explicitly request the prompt removal of these fraudulent accounts, inaccuracies, and inquiries from the credit file linked to my Social Security Number. 

I want to bring to your attention that, in accordance with the Fair Credit Reporting Act section 611, you have a 30-day window to complete this investigation. By violating the FCRA, I am open to settling any civil liability damages resulting from your infringement for {$1000.00}, as outlined in FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Failure or refusal to remit payment of {$1000.00} within ten ( 10 ) calendar days of receiving this notice will prompt me to pursue actual damages exceeding {$1000.00}.

Kindly expedite payment via Certified Funds to my registered home address.
Consumer complaint received 2023-02-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TAYLOR MORRISON HOME FUNDING, INC. (AZ)

In XX/XX/XXXX of 2021 we entered into a contract to build a home XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX. 

The home we were building was at XXXX XXXX XXXX XXXX. 

During our initial phone calls I was asked income, assets and gave credit for approval. We were told that we are approved to move forward based on a conventional loan with over {$500000.00} in assets required which we did not have but they proceeded anyway saying that credit and assets can changed over the time of the build. 

Not once over the 12 months was anything requested. Income, assets, job information etc. I have included the internal Underwriting approval letter dated over a year after our contract was signed showing as much. They had not reviewed income, assets, earnest money, nothing besides my credit. 

I also included an email from the lending representative and the contract that states within 45 days the lender ( also Taylor Morrison ) is to provide a notice of conditional approval. The contract clearly states that if the affiliated lender doesn't not provide in that time frame all deposits will be returned. 

At this time we were unable to qualify and ultimately lost the home. Taylor Morrison has refused to return our {$65000.00} deposit and has also recently sold the home for over {$50000.00} more than we had in agreement for our contract. 

We are simply asking that this predatory behavior be reviewed and just want our earnest money back. We are a young family and this has caused major strain and hardship. 

Multiple attempts have been made to the seller, lending officer, Vice President to which we have not got any resolve and as of late will not return any phone calls. 

This has been an extremely emotional time for us and are just asking to do what is right and the return our deposit. 

Thank you, XXXX XXXX. XXXX XXXX
Consumer complaint received 2023-11-16
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: EQUIFAX, INC. (GA)

They have already closed my complaint without any further resolution. Their REMARKS from my recent credit report says : " reinvestigation in progress ''. However, they have already closed my complaint through this channel. I can't seem to understand the connection. When it's closed then reinvestigation is done. But when reinvestigation is still in progress, they shouldn't close it yet. This is so unfair and I don't see their results valid.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Specialized Loan Servicing Holdings LLC (MO)

I was looking at my credit report with the mortgage company and I noticed my credit was not reported for the mortgage company Im with. Its not reported on my credit history Its not going towards my credit score or have any history of payments documented to my report
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have reviewed a recent credit report and several unauthorized inquires are reporting that were not authorized or done so by myself, I believe someone has gained access to my personal information and is actively attempting to gan credit under my personal information, due to the several amount of unauthorized inquiries it is negatively affecting my credit score and I would like for them to be removed, the following inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2021-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX I mailed disputes letters to XXXX  and Equifax along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!
Consumer complaint received 2017-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

I called 3 credit bureaus to remove negative report from my public record but they didn’t respond me it shoes bankruptcy on my public recort on my credit report back in 2014 they told me they gonna remove it becouse is too old not current and need to be removed please help me to remove im trying to by a house it’s hurting me can’t go forward to grow upThanks
Consumer complaint received 2023-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: BLINCLOANS, INC. (CA)

I got a consolidation loan with XXXX XXXX XXXX XXXX they gave me a draft check. I tried to call and email. I made numerous attempts attempts to communicate they blocked my phone number.XXXX XXXX received my check but they said couldnt accept my payment because of the name.On the website and credit it is listed as One Blinc they are telling me Blinc loans now. I dont believe I should have to pay One Blinc because lack of communication and they causing undue stress try to XXXX XXXX will not reissue the payment since it is not listed properly on website or credit report.
Consumer complaint received 2023-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meade Recovery Services, LLC (UT)

Meade Recovery Services LLC is trying to collect a debt that I believe I do not owe. 
They claimed I owed about {$150.00} and have not provided any proof of the debt. I have explained to them that I had dental insurance and the provider verified it would be paid 100 percent by the dental insurance carrier. 

They have retained at attorney and trying to force me into paying more than {$750.00}. I am not responsible for their attorney fees and I can not simply afford to pay {$750.00} for a medical bill
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (GA)

I am filing complaint to this company I found inaccurate information to this LVNV FUNDING. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. 
The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TRUIST FINANCIAL CORPORATION (CA)

I had a checking account with Suntrust used for automatic mortgage payments. I kept a fairly low account balance in the account ( less than {$10000.00} ), and never had a maintenance fee for the checking account. After my Suntrust account was taken over by Truist, my account was converted to a dimension checking account product. A monthly maintenance fee of {$20.00} was charged from XX/XX/XXXX until ( and including ) XX/XX/XXXX. The local branch manager in XXXX XXXX SC was able to provide a {$40.00} service charge refund in XXXX of XXXX. 

I am requesting a refund of the remaining {$160.00}. It is unacceptable to take a Suntrust account that had less than {$10000.00} balance with a history of less than {$3000.00} in monthly qualifying deposits and convert it to a Truist XXXX checking account. 

I am in the process of closing my Truist account.
Consumer complaint received 2023-08-04
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)

XXXX, XXXX, & Equifax failed to comply with the Fair Credit Reporting Act. XXXX failed to contact my credit grantor and provide proof of my indebtedness. I requested all three companies not to use automated verification or the e-Oscar system to verify my accounts of indebtedness. XXXX, XXXX, & Equifax all failed to remove the incorrect addresses, inquiries, and accounts from my records eventhough they reported that they had removed some of the items. The items reported to have been removed were not.
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Westlake Services, LLC (TX)

I purchased a vehicle with US AUTO SALES in XX/XX/XXXX. The vehicle was purchased with a 3yr/36,000 mile warranty. I started having problems with my vehicle in XXXX Of XXXX. I called the company XXXX. They then told me that I never had a warranty because US auto sales never funded the warranty. Even though it was added into my monthly payment
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

i check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts