davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (TX)

Ria Financial heavily advertises their online and telephone app money transfer services to lure customers to their store front locations where the fees are much higher than advertised for the online service. I open an online account and tried first to do a transfer to my boyfriend in XXXX for cash pick up. They allowed me to enter all the information including the payment information and when I approved the transfer, I was directed to call a telephone number, where they proceeded to tell me to go to the store instead because this country has experience high fraud. I proceeded to do my transfer with a different online service without issue. A few days later I tried my RIA account again but this time sending my money to my boyfriends bank account a more safe and obviously not fraudulent process. Again I was allowed to go through the entire process only to once again direct me to a telephone number to call where I was told the same story, best to go to a RIA store to do the transfer because if it turns out to be fraud and is done online they are responsible to refund the money but if it is done at the store they are not. If this is indeed true this is preposterous but in any case this company is engaging in bait and switch. Subsequently I read many many reviews of other customers going to the same process sending money to many countries all over the world, all high fraud, best to go to their store.
Consumer complaint received 2016-09-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

I had a second mortgage with HSBC. I made payments of {$220.00} per month on time. I then received a check returned by them saying my account was closed. About a year later I received a collection notice from XXXX XXXX a collection service. for {$29000.00}. 
I thought I was finished paying until I received this letter. I am on social security and can not afford this, especially sice I thought this loan was finished and behind me. I seriously need your help.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day Transunion refuses to remove the inaccurate information while it only to a simple phone call to XXXX and XXXX to get this error corrected. 

Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ) XXXX Help with correct this will be greatly appreciated.
Consumer complaint received 2022-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

15 U.S.C 1681 section 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 instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America when I had an account with them kept charging me fees that would eat up 100 % of my {$1800.00} monthly XXXX deposit every month since XXXX. I had a meeting at Bank of America requesting these funds be returned they refused and even after I changed to a different bank for my deposits the government accidentally sent over two deposits after that and Bank of America refused to refund those too
Consumer complaint received 2022-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX
Consumer complaint received 2016-11-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NY)

Apparently, at some time in the past I ordered an item and it was shipped to me using XXXX. A month or so ago, I received notice that XXXX was not paid by the shipper, and if further collections efforts by XXXX did not result in a payment from that shipper, they would come after me. I had never heard of something so absurd, it 's like a meat supplier not being paid by a restaurant, so the supplier waits outside the restaurant and when you finish your steak they jump you by your car ... 

Anyway, as you can likely predict, the company never paid XXXX and now they are coming after me,. I ca n't find the original collection notice so I do n't even know who the shipper was, and XXXX has no interest in telling me. They are increasingly rude and belligerent toward me, and want to hear nothing but my credit card info, which they wo n't get. I know I paid for the shipping since I have the item, but I ca n't prove it because I do n't even know what specific item we are even talking about. It 's circular dislogic at its worst and the only company with all of the data is n't interested in helping, only harassment.
Consumer complaint received 2022-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

Starting XX/XX/2022, I deposited my payroll checks as usual which I been doing for past few years with the same bank from same employer, Truist started to hold my checks for no valid reason. Lets say for the sake of argument they want to hold the check until they collect the funds? Or if I had bounced checks in the past? Which make sense, and even if they want to argue that they want to make sure the check clears and then release the funds then still it doesnt satisfy the fact they hold the check about for over 10 days? I have proves that check clear the employer bank the next day but Truist illegally holding the money for over 10 days? This just does not justify there holding. 

The checks I am depositing are my payroll checks and never ever they got bounced, I was SunTrust customer before the merger and this never ever happened to me before, not even once. This only started to happen after the merger and no one not even at the branch willing to help? Who ever you talk to say they cant do anything? Who suppose to help me? Who suppose to figure out at least whats going on?
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (FL)

I XXXX XXXX, am filing this report due to being a victim of identity theft. the accounts listed were opened fraudulently using my social and other nonpublic information of mine. there are also several social security numbers on my account that are there fraudulent, that I have never been associated with. I did not benefit or give consent to anyone or persons to use my information to obtain these goods or accounts. In 2016, my information was compromised after someone stole my purse. my purse contained my license and bank card information inside. ever since, I have been dealing with identity theft. I am excursing my rights under the FCRA 15 USC 1681 to have all fraudulent accounts and social security numbers not mine blocked and deleted immediately.
Consumer complaint received 2022-10-17
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)

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 listed below : XXXX XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX A XXXX, NC XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WA)

On XXXX XX/XX/2022 I called into the dispute phone line for Experian. I managed to get them to recognize all the documents I had submitted via online disputes to get them to change my name to the one in the court order. The problem is that when the customer record name was changed, the underlying records were not. So 40 years of history has been dropped and I now have no credit report whatsoever. Your dispute center employees can see the attached records, such as the one for my mortgage through XXXX. Its just that nothing comes through when anyone, such as XXXX XXXX  pulls a credit report. I'm XXXX XXXX XXXX and I have not been XXXX  for the past 40 years. 

I am currently trying to refinance my home, but since XXXX uses Experian and they can't pull anything for me, I can't get my loan. I also can't get solar panels for the home. I also can't get any new credit cards, to say transfer the XXXX balance I have. So this mistake on their part is having direct negative consequences for me. 

And I want to hear from an actual human being on this case.
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I filed a complaint with USAA bank for an online debit card purchase. I felt like I was taken advantage of by XXXX, an online penny auction site. After providing all pertinent details and a copy of my bank statement verifying the disputed charges, I felt like none of that mattered and the dispute was ruled invalid because XXXX provided a copy of the charge authorization. My issue was not that I authorized the charge, but that the service promised for said charge was never delivered, i.e. " Service was not delivered as described. I have attached a copy of the Dispute Decision from USAA along with the Merchant Rebuttal and my emailed response to the Rebuttal. I do not feel like the human element was taken into consideration in this matter, and the decision was based on the authorization for the charge. I hope that, after reading the attached documents, you will see that I was taken advantage of by a company that I had moved on from. Had XXXX never contacted me after I concluded my business, i would not have this issue. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NCB Management Services Inc. (NY)

NCB Management Services ( " NCB '' ) continuously made robocalls with a prerecorded message of debt collection and for the receiving party to dial an extension. In this matter, I am the receiving party of the communication. I have demanded NCB representatives to ( 1 ) divulge all alleged debts, name of the creditor, the amount of the debt, documentations representing an existing debt ( 2 ) stop all telephonic communications to my home and cell phones ( 3 ) confirm the name, address, and other information of the debtor NCB alleges a debt is present. NCB representatives refused to provide any information as per my demands. Furthermore, their representatives demanded I divulge personally identifiable information such as name, address, and social security number which I refused. NCB refused to stop all communications even though they were told on multiple occasions to stop calling. The last call was on XXXX/XXXX/2016 at XXXX est.
Consumer complaint received 2022-02-10
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: DELMAR FINANCIAL COMPANY (FL)

On XX/XX/XXXX I noticed two hard inquires from a unknown source and I didnt authorize them. All three are from XXXX XXXX XXXX Hard inquires are effecting my chances at obtaining new credit. The dates of these hard inquries are XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2022-02-10
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (VA)

Was sent this email and I have never taken a loan out. It keeps coming up in my spam email. 

CUSTOMER ID : XXXX CASE FILE # : XXXX LOAN INFORMATION PAST DUE AMOUNT - {$930.00} CREDITOR - ACE CASH SERVICE This is to inform you that Legal Proceedings have been issued on your Docket Number XXXX with one of XXXX XXXX XXXX in order to notify you that after making calls to you on your phone number we were unable to get hold of you. That is the main reason the Accounting Department of XXXX XXXX XXXX has decided to mark this case as a flat refusal and press legal charges against you. 

You are going to be legally prosecuted in the Courthouse within a couple of days. Your S.S.N is to be put on hold by the US Government, so before it happens we would like to notify you about this matter. 

Consider it is a final warning from our side. And we will be Emailing/ Fax this issue to your current employer to make sure that they take strict action against you. Your salary wages will be garnished too. 


THERE ARE 3 SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION Right Now We must have to proceed legally against you and your SSN, once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and then, the lawsuit will be the next step which will be cost to you {$4000.00} and will be totally levied upon you. If you want to take care of this out of the court then we will release the clearance certificate from the court and we will make sure that no one will contact you in the future. 

Let us know what is your intention towards this matter so we can put this case on hold else we will submit the paperwork to your local sheriff department and you will get court summons at your doorstep. 

WE ARE GOING TO REPORT ALL INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. DELAYED PAYMENTS, FAILED PAYMENTS, OR OTHER FAULTS IN YOUR ACCOUNT WILL BE REFLECTED IN YOUR CREDIT REPORT. 

TERMS & CONDITIONS YOU AGREED. 

If you want to resolve this matter then direct contact us thru email or call at ( XXXX ) XXXX between working hours XXXX AM to XXXX PM ( EST ). 



In order to resolve this you can contact us at XXXX or E-mail us back onto the same email. 

Best Wishes ACE CASH SERVICES Phone ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Terms of use | Privacy Statement Note : This Communication is from Debt collector. This is an attempt to collect debt. Any Information obtained will be subjected to that Purpose only.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

Issue w/ Edfinancial : On XX/XX/2022 I requested a refund on my account for {$10000.00} over the phone. They did not provide any confirmation of my request after I got off the phone. I tried a few times to use their chat service to check on the status of my refund but it timed out after 10 minutes of waiting each time and told me I could not be connected. I called XX/XX/2022 to check on the status of my refund request. XXXX helped me on the phone to confirm that my request was received and processing. I asked for an expected timeline and he said he couldn't say. I asked for even a general range and he said 3 months and began explaining to me that there's absolutely no way he could give me a straight answer, [ Edfinancial ] just doesn't know, then said the timeline was solely dependent on the Department of Education processing. I asked if there was anything I could do to expedite the process or any other updates I would receive and he said no, there's nothing I can do and that I have to call in to check the status periodically. I've seen countless accounts online with people receiving refunds from Edfinancial within 14 days and others being told it could be up to 180 days. This wide range of time with no explanation is not acceptable. I felt that the information provided to me over the phone was inconsistent and vague, which felt intentional. I ( and others online ) are worried that Edfinancial is intentionally delaying account refunds so that borrowers miss the XX/XX/XXXX deadline for the single time student loan relief. I want my loan reinstated before this escalates and becomes a legal issue.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

During a check of our experion credit report we found that it was falsely reported that we owed a {$2.00}, XXXX bill to XXXX. This was reported by I.C. System Inc.the date of the bill was reported to them XX/XX/2021. We have had no business dealings with XXXX in the last 12 years and all of our bills were paid in full. We called XXXX and they know nothing about the bill. We called I.C. Systems and they refused to discuss the matter because the name on the bill isn't ours. XXXX tells us we have to talk to the creditor.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As conservator for a family member, I was never allowed access to a checking account at Bank of America. This account had a POA and I was not allowed to remove the POA even after I was appointed by the court. The letters of conservatorship included an order from the judge to remove any and all existing POA. 

Bank of America refused to honor the court order. The account has now been closed. There is a court order requesting an accounting of the account which I have not been able to complete due blocked access from Bank of America. In addition, the previous POA was mismanaging the account and an accounting of several transactions is required.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (PA)

I placed an order from XXXX for an XXXX XXXX. The parcel was never received. Ive been a member of XXXX since 2014 and havent had an issue until now. I contacted the seller, I contacted XXXX and I contacted my financial institution to dispute the charge because I dont have my phone and nobody helped me whatsoever. I work hard for my money and I need it back as soon as possible. If the CFPB could be of any help I would greatly appreciate it.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Future Judgement Solutions (OH)

I received a call from FJS Global in regards to a XXXX XXXX credit card they say was opened in XXXX  and closed with a balance on it. I have no knowledge or recollection of this credit card, yet they are threatening litigation against me for more than the amount due. It has been XXXX  years so I know there is a statute of limitation on debt collection, yet they are aggressively pursuing me. They have threatened to garnish my wages and take my vehicle.