davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NJ)

On XX/XX/2020 a lot of transactions happening on Zelle " Failed '' due to a system issue by Zelle. This was a glitch in the system that happened on XXXX XXXX 2020 maybe because of the date or year. I regularly receive rent money via Zelle and money is debited from my tenants bank account ( which is XXXX ) and deposited into my bank account ( XXXX XXXX ) within a minute and shows up in the Activity section of Zelle app. But on XX/XX/2020 when my tenant sent me {$1800.00} in rent via Zelle through their XXXX XXXX app the money was sent to Zelle but Zelle had  a glitch in their system and they sent me an email saying payment was delayed. The payment was delayed for few days and then the Customer Support of Zelle said that payment was marked as " Failed '' on XX/XX/XXXX and that the money will be returned back to the sender 's bank account who is my tenant. The sender has not received the money back as of XX/XX/XXXX and I had the sender contact their XXXX XXXX to followup with this " Failed '' Zelle payment but XXXX XXXX insists that money is sent and I have it in my XXXX XXXX. I have not received the money in my bank nor do I see it in Zelle app and asked for written confirmation via email from Zelle telling that this payment failed. I am attaching that email as proof of failed payment. 

Right now the issue is that XXXX will not return the money back to the sender who is my tenant so she can pay my rent which was due XX/XX/XXXX. Nor will Zelle send money to my bank since they say money has " Failed '' to transfer. Right now the money is in a limbo situation where both XXXX XXXX and Zelle and my bank XXXX do not know where the money is. 

This is just my story and there are a lot of other people like me who are complaining on twitter. This is a serious issue as from my and sender 's perspective money is lost and both parties ( XXXX and Zelle ) are playing blame game and not resolving the issue. 
Here is the link to twitter where you can see people are complaining and attaching screenshot of that as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I disputed a collection account on my credit report from a previous apartment I leased. IQ DATA INTERNATIONAL purchased the debt. I contacted IQ DATA INTERNATIONAL through certified mail requesting the account be deleted with pictures of the property. I also requested if the account was not deleted i wanted verification receipts from the repairs made. Several days after the letter was sent i contacted IQ DATA INTERNATIONAL by phone. They said they did not have to provide receipts. They have failed to supply my requests or delete the account. 

I have attached the certified letter sent XX/XX/2019
Consumer complaint received 2020-01-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.
Consumer complaint received 2020-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.
Consumer complaint received 2020-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. 

I have filed and FTC report and have reached out to the local police.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I recently contacted your company about the addresses thats reporting on my credit report. The only address that I ever lived at is XXXX XXXX XXXX and all others should be removed. I keep getting letters from your company stating that I need to prove my address for them to know its me. How is this possible when I have the letters. SEE ATTACHMENTS
Consumer complaint received 2022-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

I signed up for a XXXX Amex Card over the phone. The representative verbally offered me XXXX sign up bonus. I agreed, and proceeded with the application on XX/XX/XXXX. I received an email in order to continue with the application. This email also stated the terms and condition which mentions the XXXX sign up bonus points. After spending the minimum spend to receive the XXXX bonus points, I noticed I only received XXXX bonus points. I contacted American Express on XX/XX/XXXX, and an investigation was submitted. After contacting American Express every 2 weeks to get an update, on XX/XX/XXXX, I got in contact with a representative who told me the investigation was closed and that American Express decided the XXXX offer was valid. However, I was instructed to call to speak with someone who could help me if I was not happy with the decision. I spoke to a representative named XXXX ( I believe ), and she told me I could upload supporting documents to support my case. I uploaded a screenshot of the email with the terms and conditions stating the XXXX sign up bonus. I contacted the customer service again on XX/XX/XXXX to see if anything had changed or been updated. I learned that the supporting documents were not taken into account. They essentially didnt matter because they closed their investigation in XXXX. However, I am utterly confused as I was verbally offered XXXX and have an email to support the verbal offer. I feel that American Express has used deceptive tactics to get customers to sign up for credit cards. The XXXX bonus is typically the standard offer. I would have waited knowing they tend to have promotional offers such as the XXXX. This is completely unfair for them to offer me XXXX but then only give me XXXX. I cant do anything at all at this point.
Consumer complaint received 2019-02-13
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: Innovis (MD)

Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.
Consumer complaint received 2022-12-27
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. (PA)

I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX. I am a victim of identity theft, and did not make these charges nor did i authorize or approve for these accounts to be opened.
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

I'm currently XXXX XXXX, so I wasn't able to get in touch with them to make a payment. So my bill was overdue 30 days and Macys then lowered my credit line. This forced my credit score to go down 60 points.
Consumer complaint received 2020-01-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi, I hope you're all doing great. I'll be straight, I need these following accounts to be investigated as they seemed to be either INACCURATE, INCORRECT, and UNKNOWN to me within my knowledge. I have listed the wrongs I have noticed below. Ive actually tried again and again to make sense of what Im seeing. Unfortunately, I cant make heads or tails of this and need your help. Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. If you would, please investigate these items and send me a new credit report reflecting the changes. I would appreciate it if youd expedite this because I need to apply for a job.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I set up for auto pay since the beginning of my lease and they had my incorrect address and phone number they I have statements proving that they take the money from my account and then they have me late as three payments that dont make sense and Im reporting for one month I called them numerous times and they keep telling me to dispute it with the credit bureaus but thats not helping and I brought my credit score down for in accurate information they will
Consumer complaint received 2023-03-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX To Whom It May Concern : I wish to dispute the late payment status on my CAPITALONE Accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under

15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 section 604A section 2 states consumer reporting agency cant furnish an account without my written instructions. The United States Code Law 15 U.S. Code 1666b. Timing of Payments- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Delete late payment status immediately or Please validate all late payment status within 30 days.
Consumer complaint received 2023-05-14
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)

There are numerous inquiries on my credit report that I did not authorize and i sent letters to Transunion plenty of times to have them removed but NO RESPONSE! letters were sent on XX/XX/XXXX  and XX/XX/
Consumer complaint received 2021-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (CA)

I filled complaint with bureau, they responded with a debt validation letter stating it was sent to me by email on XX/XX/2021 at XXXX I looked up my email on that date and time nothing was sent to me at the email address they said they sent it to.I also see that from the letter they sent to cfbf is not my signature and the signatures are forged. I am requesting the original documents from western dental stating that you now have the right to collect any debt from me that isn't mine. I also want to see the documents that state I OWE YOUR COMPANY PROFESSIONAL BUREAU OF COLLECTIONS ANY DEBT
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service (SC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-08
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX  XXXX Account number : XXXX
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public information? 
Bankruptcy XXXX XXXX Reference # : XXXX Court : XXXX XXXX CT NJ XXXX Date Filed : XX/XX/2014 Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX BANKRUPTCY COURT Date Filed : XX/XX/2014 2014
Consumer complaint received 2022-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MN)

My loan was transferred from XXXX  to Mohela. I resubmitted my XXXX  and my payment more than doubled. I don't have a problem with the payment, but Mohela is unable to provide me with the calculations of the payment. 

Income for XXXX {$71000.00} filed XXXX  XXXX XXXX dependents, payment {$78.00}. ( not public data ) Income for XXXX {$71000.00} filed XXXX, XXXX dependents, payment {$230.00}. ( not public data ) My income only went up by $ XXXX, I do not understand why my payment is {$160.00} more per month? 

I have called and they keep trying to direct me to forbearance, that is not what I want. I want the calculations for the payment plan. They say " It is calculated by what information you gave us ''. My discretionary income has not significantly changed, so the jump makes no sense.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I am reaching out urgently to address critical issue involving fraudulent personal information and unauthorized inquiries linked to my identity. Upon a careful examination, I've discovered certain accounts and transactions falsely linked to me, without my authorization. This situation has caused me considerable distress and raised significant concerns.
Consumer complaint received 2020-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (VA)

Around the end of XXXX, TDBank placed a debit block on my checking account, preventing me from accessing my money. This resulted in at least one failed-payment fee at another institution, which was frustrating. I called TDBank, and they said they were " demarketing '' me, and they would close my account and send me a check for the {$2100.00} I had in there.

Fine. I opened and closed a lot of accounts with them, and if they don't want my business, that's their right. But this is a checking account! A XXXX account at an FDIC-insured bank! It has been a month and a half, and my account is still frozen and I can't get my money. No check has been sent to me. It's not like I'm waiting for a check to clear or there's some fraud issue ; I should have access to my own money. 

I've talked to the people at my local branch, and they want to help me, but there's a corporate office somewhere that's understaffed and not acting on this. The branch gave me a phone number for their " demarketing '' department, and that just goes to a voicemail that nobody returns. I WANT MY MONEY BACK!
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, has violated my rights 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
Consumer complaint received 2024-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

My recertification date listed on my studentaid.gov site lists XX/XX/XXXX as my recertification date for my income driven repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. Mohela is insisting that I need to recertify my income now, which is outside the Federal guidelines. I have reached out several times to Mohela to no avail. They confirmed with me over the phone that they would be pushing it out by 1 year during a call on XX/XX/XXXXXXXX  and then are now going back on their word. Please assist me with getting my recertification date extended to XX/XX/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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to the credit reporting acts the list with the account below have violated federally protected consumer rights to piracy and confidentality under 15 usc1681 section604 also states can not change account without my consent all my negative accounts on my experian transunion need to be deleted asap I would like my credit report to be cleared and all my negative account deleted thank you very much.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, 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: Insta-Credit Auto Mart, Inc. dba InstaCredit Automart (MO)

Hello I recently brought a XXXX XXXX and have been building credit from it, Everything was going good untill somewhere between XXXX of XXXX I looked into my credit report and told me I was removed from file. XXXX XXXX Is who I brought the car from im still paying on it also havent missed a payment or late so I was confused on why.I went to XXXX XXXX and was told they stop sending credit to the credit bureau and ask if they could just leave my file on records but not update it so I wouldnt lose my credit, I went from a 667 credit to 0 within a month because I was took off file instacredit automart and Im very very upset about this and just want me credit to be restored Sincerely XXXX XXXX XXXX
Consumer complaint received 2022-12-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (FL)

NOTICE OF FRAUDULENT ACCESS TO MY NON PUBLIC PERSONAL INFORMATION. No express written consent was provided. My right to privacy was breached by FIRST CREDIT SERVICES. I am claiming harm by way of TRESSPASS, FRAUD, EXTORTION, RACKETEERING & IDENTITY THEFT.
Consumer complaint received 2024-04-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (IL)

During the pandemic, Heights Finance a non essential business decided to use lawfare to collect money from borrowers by using a tactic known as lawfare. The tactic, was used by Heights Finance during the pandemic, knowing that the economy was in such bad shape, the business decided to sue consumers to collect their money, knowing if they used courts friendly to them to punish borrowers who had a hard time paying their bills due to the pandemic and the downturn to the economy as a result of the pandemic, Heights Finance, knowing the courts would rule in their favor, and borrowers would not be able to hire attorneys in Illinois and other states to protect themselves from the lawfare onslaught would have an unfair advantage in courts. The firm hired a debt collection lawyer known as XXXX XXXX XXXX to carry out such lawfare tactics. 
I was never served a notice on the debt during the pandemic as XXXX XXXX issued orders for non essential businesses to close during the pandemic. I believe this order may have been violated by Heights Finance. 
After the CFPB sued Heights Finance, Heights now retaliated against me by suing me again for wage garnishment which I am actively fighting due to circumstances beyond my control. Once I get back on my feet I'll resume payments made as per the judgement wrongfully secured against me during this pandemic. 
In my personal circumstances, I am seeking how I can go on leave of absence which is unpaid leave as I may have to be a caregiver to XXXX XXXX my partner as she was seriously injured in an automobile accident on Friday XX/XX/XXXX and suffered massive internal injuries requiring XXXX  XXXX, and she remains at XXXX XXXX in XXXX XXXX and is staying there for the time being. During the pandemic I had to be her caregiver and take leave from work when she had her XXXX XXXX twice back in XXXX, and again in XXXX or XXXX as the first XXXX XXXX was defective.