davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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. (FL)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX5 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 instructions.
Consumer complaint received 2024-04-16
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: Block, Inc. (PA)

XXXX XXXX is stating to me that they cant stop the auto payments from XXXX XXXX that I never had an account with or you tell me where they count is from. I asked him to reach out to XXXX XXXX. They said he cut it benefit and said that I dont have a contract with the ones local to me. each location has a different owner so theres no way for me to to contact corporate theres no corporate phone number I asked them to please cancel these payments and they never did. This is from 2021 until now. 

Nonconforming payments ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this XXXX, but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt. 

( ii ) Payment methods promoted by creditor. If a creditor promotes a method for making payments, such payments shall be considered conforming payments in accordance with this paragraph ( b ) and shall be credited to the consumer 's account as of the date of receipt, except when a delay in crediting does not result in a finance or other charge. 

( c ) Adjustment of account. If a creditor fails to credit a payment, as required by paragraphs ( a ) or ( b ) of this section, in time to avoid the imposition of finance or other charges, the creditor shall adjust the consumer 's account so that the charges imposed are credited to the consumer 's account during the next billing cycle.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2023 at XXXX I made a cash deposit of {$5000.00} ( XXXX {$100.00} bills ) at ATM # XXXX at the Capital One Branch located on XXXX XXXX XXXX , XXXX NY XXXX. The ATM malfunctioned and my funds were neither returned nor was it deposited into my checking account. This is unacceptable as I obviously need my funds in order to make necessary payment obligations. Capital One has not credited my account or contacted me back with an update despite the ATM being cleared out and the cash counted.
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Someone else report my debit card as damaged and order a replacement. Somehow got my pin # and withdraw {$6000.00} dollars from my savings account. The chase bank gave me a temporary credit of the money and after two weeks they removed the money from my account and said thatI authorize the withdraw s and practical y that I know the person that took the money, and close the case .Not only that the day that I was making the repor at the bank, there was a man using the stolen card withdrawing money at the branch.The Manager
Consumer complaint received 2023-07-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (OH)

On XX/XX/XXXX, XXXX, I was contacted by XXXX informing me that someone in Illinois had access to my account and that XXXX owed me {$1900.00} dollars in refund amounts. This all came from buying a new television and as I went to activate my XXXX XXXX, a phone number popped up on the television. It would not let me activate until I contacted the number. These people pretended to be XXXX. Money was deducted from my account in the amount of {$11.00} dollars. When they claim a refund was being issued. When I realized what was going on I notified XXXX, canelled my card & contacted Netspend. The transaction was still pending which makes me feel that I notified the bank in time. Isn't that what we are supposed to do? Within about a week, Netspend refunded {$350.00} of the money but sent me a letter stating that the request for my other refund had been denied. I have been with this bank since XXXX and not at any time on my account has there ever been withdrawls like this. Netspend has put a hold on my account for as little as a few dollars in the past. So if that drew questions then why didn't this? I have contacted the bank and they have filed another request to investigate, but after the first investigation, I believe that they just want to sweep it under the rug. I have also asked them to put me in touch with their legal department but no response as of yet. Their next update will not be until XX/XX/XXXX. At the point who knows what that will be. I am XXXX and unable to work any more and who can afford a loss like this? Netspend should be ashamed of themselves. I saw on another reply that Netspend says not to post on outside sites. Well, if the problems were being addressed properly we wouldn't have to.,
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Thursday XX/XX/2023 someone hacked my Wells Fargo account and did 3 unauthorized transactions XXXX XXXX and another XXXX charge my account is in negative now and all my bills have overdrafts my account. I called Wells Fargo immediately and told them to dispute fraud. Nothing has changed. I'm going to accumulate so many charges because of this and I don't know who transfered money out of my account for those large amounts you can even look at my transaction history and see that I have never did that big of transactions back to back before and never submitted a fraud claim to Wells Fargo before either. This is crazy.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

After sending several letters to Experian requesting verification of a Bankruptcy that is currently being reported on my consumer report, they continue to reply stating that the Bankruptcy has been verified and continues to be reported. After requesting information on how that verification took place, they continue to respond the same way. Under the laws that govern the FDCPA, to verify a debt or " Bankruptcy '' you can not verify a Bankruptcy through 3rd party means. After speaking with the United States Bankruptcy Court District of Nevada, they have already made it clear that NO information is reported to ANY credit bureau. In such, means that the credit reporting agency is getting their information from a 3rd party, which is not legal for reporting.
Consumer complaint received 2023-07-22
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: Affirm Holdings, Inc (LA)

On XXXX and XX/XX/2022, In accordance with the fair credit reporting act, this creditor Affirm Inc has violated my rights. Under 15 U.S. Code 1681 section 602 states, I have a right to privacy. Under 15 U.S. Code 1681 section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

In XXXX of XXXX, I filed a dispute with my bank State Employees Credit Union of NC. I booked a hotel stay at the XXXX XXXX XXXX ( phone number XXXX ) in XXXX. The hotel over charged me in the amount of XXXX on XX/XX/XXXX for a two night stay ( reference number for the folio : XXXX. I was charged XXXX on XX/XX/XXXX. I tried to dispute the charges with the bank and the hotel but the claim was denied. I sent records of the checking statements and the hotel folio.The total amount for the stay was XXXX. 
State Employees Credit union dispute number:XXXX Phone number : Email : XXXX I also filed a complaint with the XXXX XXXX XXXX XXXX . I was told the VP of State Employees Credit union doesn't think I have a claim. 
Case Number for the XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I never applied for a XXXX XXXXXXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXXXXXX XXXX XXXX. I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I demand these unknown/unauthorized companies : Account XXXX, and XXXX XXXX XXXX XXXX XXXX be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT and it needs to immediately be removed no later than XXXX XXXX according to XXXX XXXX XXXX Block of Information Resulting from Identity Theft. I will be coming after YOU REPORTING AGENCIES for continuously allowing this on my consumer report after several disputes, and will be collecting {XXXX} per violation according to XXXX XXXX XXXX XXXX XXXX XXXX XXXXe and for violations of XXXX XXXX XXXX XXXX Procedures ( XXXX  ) XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never applied for a XXXX XXXX XXXX XXXX I did receive ; however, via XXXX XXXX, a suggestion I apply for the XXXX XXXXXXXX XXXX XXXX  as I had a high chance of approval and the subsequent approval and issuance of the XXXX XXXX XXXX could improve my credit score. 

I DID NOT APPLY FOR THE XXXX XXXX XXXX XXXX I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM XXXX XXXX XXXX XXXX  ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, 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. (NH)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wolf River Development Company (SD)

I guess XXXX XXXX  I dont know who they are called my work and left a message with the secretary right theres a violation itself and they called XXXX XXXX XXXX they left information with a third-party which secretary and I dont know who they are. I dont know they dont have my cell phone number that they called my work so seems fraudulent to me.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (HI)

I have repeatedly called XXXX XXXX of XXXX XXXX, XXXX alerting them that I do not even live in the area, I have since moved to Hawaii. There are no locations here in the state of Hawaii. I even on a visit to Maryland during XXXX XXXX XXXX Holidays i visited the XXXX XXXX, XXXX XXXX and spoke to a representative and asked for my account to be closed. Keep in mind I have fulfilled the minimum contract by this time and was on a month to month. They continued to take money from my bank account/Debit Card on file until the card expired and they could not debit it for the amount of monthly membership. I received a cal from a club manager and I alerted her of the fact that my account is supposed to be closed. The company can not offer me a facility in Hawaii so I do not want to continue membership. They continued to strong arm me and harass me for monthly payment. They placed my account in collections with First Credit Services located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX and have a collections account for a total of XXXX. Now it is XXXX XXXX that continues to call my phone in the early morning hours. 
I would like this removed from all reporting agencies, XXXX, XXXX and XXXX.
Consumer complaint received 2022-12-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (AZ)

I had been a victim of Identity Theft. I had been working with my bank to try to correct my account and then also my mortgage payments to Fay Servicing. I went to several places to try to get mortgage assistance and was not successful. I then was referred on XX/XX/2022 to Administration of Resources and Choices ( ARC ) to get the assistance I needed through the Homeowner Assistance Fund ( HAF ) however, it was late due to the Auction sale date of XX/XX/2022. The XXXX XXXX contacted the Congressional Office of XXXX XXXX for help on requesting the postponement of the sale date. That same day of XX/XX/2022 the Congressional Office requested the postponement ( see attached email ) Also, Congressional office received confirmation of receipt on XX/XX/2022 of such request/ However, Fay Servicing never responded. On XX/XX/2022 XXXX XXXX went to the Bankruptcy court to file XXXX  XXXX Bankruptcy in order to save her home. The XXXX was filed and XXXX am ( see attached ) and auction sale was to take place at XXXX XXXX. 
Even though the Bankruptcy was filed before the sale, it still was auctioned off with no regard to the bankruptcy filing.
Consumer complaint received 2023-05-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (NJ)

I am writing to file a formal complaint against Marcus Goldman regarding their failure to credit the promised bonus to my account. I participated in their promotion, which required depositing {$10000.00} to receive an extra {$100.00}, in XXXX of this year. Despite meeting all the necessary conditions, I have not received the bonus. 

Here is a timeline of the events and interactions I have had with Marcus Goldman : In XXXX, I deposited {$10000.00} into my account to fulfill the promotion requirements and become eligible for the bonus. 

The bonus appeared on my account initially but stopped showing up in XXXX. 
Concerned about the missing bonus, I called Marcus Goldman 's customer service and I was informed that there was a technical error but assured that I was still eligible for the bonus. I was told that the bonus would be credited to my account on XX/XX/XXXX. 

On XX/XX/XXXX, as the bonus did not appear on my account, I contacted customer service again. I was instructed to maintain the account balance until XX/XX/XXXX. 

Following their instructions, I kept the balance in my account and called customer service once more. On this occasion, I was assured that I had met all the conditions and the bonus would be credited within 1-3 business days. Additionally, I was informed that I was free to move the balance in my account. 

Based on the information provided, I removed the {$10000.00} from my account on XX/XX/XXXX, expecting the bonus to be credited soon. 

Today, XX/XX/XXXX, I engaged in a chat conversation with a Marcus Goldman agent who was not only rude but also claimed that my account was not eligible for the bonus because there was no balance. This contradicts the information previously given to me and is extremely frustrating. 

Throughout this process, I have been constantly fed inaccurate information and denied the promised bonus, despite fulfilling all the requirements. This situation has caused me significant inconvenience and has damaged my trust in Marcus Goldman.

I kindly request your intervention in this matter. I believe that Marcus Goldman should honor their promotional offer and credit my account with the {$100.00} bonus as originally promised.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY ()

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a VPN, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, TD Bank reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.
Consumer complaint received 2018-03-04
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: AMCOL Systems, Inc. (GA)

This debt was a result of medical services with the original creditor, XXXX XXXX XXXX. After application and review by the original creditor ( XXXX XXXX XXXX ) it was determined that I was not the responsible paying party and had no liability for this debt and as such it was paid by Insurance or other Government Agency and therefore as I had no obligation for this debt so no collection would exist. 

According to my records, the original creditor recalled this debt from collection agency with instructions to close the account in the collectors office and to remove any item that had been placed on any credit reports. Instead they just closed it and continue to report it on my credit report. it should be removed and not merely updated as a Paid Collection. 

On XX/XX/XXXX, I mailed to Amcol Systems Inc a letter ( attached ) in  which I disputed this account and requested that it be removed from my consumer credit reports that they had reported to. I never received a response from this company. 

On XX/XX/XXXX I initiated a direct dispute with XXXX requesting that this item be removed as it was paid by INSURANCE directly to the Original Creditor.

XXXX responded that the collection Agency Amcol Systems had verified this account as being reported true and accurate and so it would remain. 

It is my belief that neither party did a meaningful and complete investigation into this matter because if they did they would have removed this false, inaccurate and misleading account as I was not the responsible paying party. 

As this was paid by Insurance or other government agency directly to the original creditor and the original creditor has determined I am not the responsible paying party this should be deleted from my Consumer Credit report and not just updated to show a paid collection. 

In addition after my dispute directly with XXXX, the furnisher of this information Amcol Systems went in and done an update to my credit report and marked it as a closed derogatory account and changed the close date to reflect XX/XX/XXXX in order to make this account look like a new closed collection in a further attempt to damage my credit rating and cause me to suffer financial losses by having to pay higher interest rates. I want this removed from all credit reporting agencies.