davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
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: Experian Information Solutions Inc. (MA)

I am comprehending that the credit reporting agencies, XXXX, Experian, and XXXX MUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see. 

Thank you for your time and effort in this important and urgent matter.
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

To whom this may concern, I set up auto pay with Capital One too come out twice a month for the amount of XXXX XXXX on the XXXX XXXX and the XXXX of each month.the money come out each month. i have more than enough to cover payment. but been receiving late payment every month. ask to change the payment date. they said no.they said they would waive the late fee.but they did not.They have fornener that I can not under stand.I already mayed a extra payment.of XXXX XXXX because of their 10 day grace period.
Consumer complaint received 2022-12-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A. (CA)

The complaint is against Flagstar Bank XXXX XXXX XXXX ( XXXX ) XXXX, MI XXXX We closed and paid off our loan at the end of 2019 on XX/XX/XXXX via a refi. 

The dashboard for Flagstar 's online account shows the account was paid in full on XX/XX/XXXX and showed an Escrow balance of {$2400.00}. However, on the XXXX XX/XX/XXXX they charged us 2 months of PMI/MIP ( {$340.00} ) even though no balance was due and deducted it from the positive escrow balance they were holding. 

Further, even though they were paid on the XXXX XXXX they charged interest till XXXX XX/XX/XXXX.
Consumer complaint received 2020-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc. (CA)

Between XX/XX/XXXX and XX/XX/XXXX the company CBE Group has  called my phone after XXXX XXXX a total of 19 times. The majority of these phone calls was made at approximately XXXX XXXX, with one at XXXX XXXX. I currently live and work in XXXX, XXXX and have been here since XX/XX/XXXX. I have no debt that I am aware of, and this company never picks up the phone when I attempt to contact them when I wake up in the morning. I'm sick of getting phone calls in the middle of the night from this company, it needs to stop.
Consumer complaint received 2022-06-05
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. (OH)

in accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX, 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 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

These are fraudulent inquires on my credit report. I never gave permission, or even knew about any of these inquiries.
Consumer complaint received 2024-01-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AZ)

Regarding complaint XXXX XXXX XXXX XXXX XXXX XXXX Rowland Avenue Management , Inc. A/KA Columbia Debt Recovery , LLC d/b/a Genesis state they will be deleting their collection {$4100.00} that is reporting on all 3 of my credit bureaus however they did not advise when they will be deleting this collection on XXXX, XXXX, and XXXX. Please advise when this collection will be deleted on XXXX, XXXX, and XXXX. As of XX/XX/2024 it is still reporting on my credit.
Consumer complaint received 2022-12-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (TX)

I borrowed {$700.00} in last XXXX. I was charged {$93.00} each week paying a total of {$1700.00} and also had 4 overdrafts fees in my bank. Rivervalley wanted more money from me and had an interest of 750 %. I stopped paying them in XXXX and they wanted more money and put me in collections. They are a tribal loan company and they have very bad reviews. I noticed when you look for their address you cant find it at all or even if you reverse phone number search. Also noticed I couldnt even find their license on XXXX search
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (WI)

My Citibank Credit Card Number was stolen and used to fraudulently sign up for a XXXX account on XX/XX/XXXX for {$84.00}. XXXX  additional charges were made for {$58.00} each, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in all, totalling {$250.00}. I noticed the fraudulent activity on XX/XX/XXXX and I immediately reported the card and stolen and marked these charges ( as well as some others ) as fraudulent. 

Citibank initially reversed all fraudulent charges, but XXXX disputed all XXXX  credit card chargebacks. Citibank sent XXXX  messages containing different documents provided by XXXX claiming the charge was legitimate [ ATTM : We-need-more-infoXXXX [ XXXX ] .pdf ]. The XXXX  messages included a document requesting confirmation of the XXXX XXXX charge, however the 4 messages all included the same document referencing the XXXX XXXX charge. No document was requested nor mention made for the charges on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I responded with the requested signed document on XX/XX/XXXX [ ATTM : XXXX XXXX dispute.eml ]. 

These documents showed the purchaser as a XXXX in the XXXX area, whom I have never met nor have any affiliation with. I used the information obtained from these documents to report the fraud to FTC [ XXXX : XXXX ]. I also reported this account information as fraudulent directly to XXXX under Claim ID : XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX  XXXX responded saying they could not confirm any fraudulent activity. [ ATTM : Unauthorized purchase claim complete - XXXX Payments.eml ] On XX/XX/XXXX, I received XXXX messages saying that the merchant provided documentation confirming this is a valid charge [ ATTM : dispute-update-XXXX [ XXXX ] .pdf ]. The charges from XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX were reinstated ( for a total of {$200.00} ). The XXXX messages all referenced the same charge, this time the XXXX made on XXXX XXXX for {$84.00}. No mention of the charges for {$58.00} on XX/XX/XXXX or XX/XX/XXXX were ever made, besides now showing on my statement.
Consumer complaint received 2022-05-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX and a lot more companies, 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 2020-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/XXXX, I paid an artist for a commission ( {$70.00}, {$73.00} including fees ) of a comic page of characters of my own design. This was never delivered, and the artist eventually admitted they were not able to finish it. Afterwards, I asked for a refund, which they agreed to, but never sent the money. I occasionally checked up on them, roughly once a month, but they would simply say they were getting on it. Eventually, they started leaving my messages on read.
Consumer complaint received 2020-01-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

I did an international online money transfer with Moneygram on XX/XX/2020 with an expectation that the recipient would receive the money within minutes. The recipient contacted me to say that Moneygram to date has not transfered the funds to the recipient. I tried to cancel the transfer online. My moneygram receipt states that I could cancel the transaction online. However, there is no provision to cancel this transaction online at all. I called Moneygram several times and asked why I was not able to cancel online on their website. They are aware that I could not cancel online even though my receipt says that I could. 
I have requested several times for a transaction refund from Moneygram, via online chat, telephone and also registered a complaint via they're website. All this is to no avail. After six days of waiting for my refund. Moneygram continues to not provide my refund as requested.
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have XXXX set up with Bank of America. On XX/XX/19, I went on XXXX to search for tickets to a XXXX basketball game for my wife and cousins that were in town. Someone said if I used XXXX to transfer from money for the tickets, they would send them through XXXX. 

I sent {$220.00} from my Bank of America app using XXXX. The seller then stopped responding to me and blocked my number, I never received the tickets. The email I sent it to with XXXX was XXXX. I tried to call Bank of America and they said that since its a third party app, they can not do anything about it and that its my fault. I thought they since it was offered through THEIR app, there would be some sort of protection with it. She repeated there is nothing I can do about the matter. I called XXXX, and they said they can not do anything and to call my bank. The confirmation number through Bank of America was XXXX.
Consumer complaint received 2023-05-14
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The company reported inaccurate late payments to my credit report which has damaged my credit score. I did not authorize these reports because I had no knowledge of them doing so 15 U.S. Code 1681b
Consumer complaint received 2022-12-26
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)

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 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 2019-02-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (RI)

I applied for a Payday loan on Moneylion.com. They states it would be paid back in payments of {$36.00} every payday until it was paid. I gave them my bank information. After giving them my bank information I was informed I did not qualify for the loan. I forgot all about it until my next payday when they took {$36.00} out of my bank account. I was told it was for their premium membership, which they did not state was where the {$36.00} a month was actually going and had nothing to do with the loan. I requested a refund 3 weeks ago and have been in contact with them since. First they had to let the payment process. Then it would take 5 business days. Now I emailed them yesterday and they said they had no record of the refund being requested or initiated and it would be another 5 business days. These people are the scum of the earth, please look into them. Im sure Im not the only person theyve bait and switched.
Consumer complaint received 2022-12-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FinCo Services Inc DBA Current (MO)

I had an account with current XXXX  company who is backed by XXXX XXXX XXXX and initially they sent my first direct deposit back to the depositor citing suspicious activity when there was none. Then they froze my account and that was a year ago. They still hold {$60.00} of my money and I want it back. It has been a year that they say they are investigating. That is ridiculous. It was from unemployment for XXXX XXXX. They cost me a lot I lost my car and my home due to their irresponsible behavior.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (OK)

On XXXX XX/XX/XXXX I checked my credit score through XXXX XXXX online app and I found two negative inquiries on my credit report, one of them was from I, Q Data international, INC. I called them to find out what it is about and I found that this debt is regarding the XXXX XXXX XXXX in XXXX XXXX. I stayed there from XX/XX/XXXX to XX/XX/XXXX. I paid all charges on time and before I had left. I then wrote them a letter on XXXX XX/XX/XXXX to verify my legitimate debt according to fair debt collection practices. In this letter I requested them 6 questions shown in my letter that I had attached with my complaint. I waited for their response, On XXXX XX/XX/XXXX I wrote another reminder letter to verify the debt. In XXXX I received a letter from I.Q. Data International stating that " they reviewed my dispute and I have to submit another dispute letter to open a new investigation. '' But they failed to provide any documents that were requested from me in my dispute and reminder letters. 
Then I received multiple calls from them, they demanded that I need to pay the debt. I requested them to not call me, but they kept calling me and in XXXX, I received a call from their representative to talk about the debt. I requested him to send me a letter if he had any questions. He then started to use abusive language and started harassing me. I requested him to stop harassing me please, but he continued. I then hung up the call. 
On XXXX XX/XX/XXXX I then sent another letter about the requested documents and the harassing incident, but I never received any notice from them. I submitted my complaint by phone call to XXXX  credit bureau to remove my negative report. Later on I received a letter from I.Q. international along with my billing statement. I then called them on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX XXXX : XXXX about my debt validation and my requested documents. She refused to provide me any further documentation. I asked her about the billing amount and an explanation of the billing statement. She told me that it was the wrong amount they charged me, but she would not tell me why it was the wrong amount and what the correct amount was. I told her I paid every thing including my lease termination fee and all my bills. 
I would like this negative mark removed from my credit report. I can not lease any apartment due to this negative mark on my credit report. I can not buy my dream truck and a house on a low interest rate.
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

In XX/XX/XXXX my un-subsidized loans through XXXX services were placed into deferment without my knowledge or consent. This turned off my direct debit auto-payments, again, without my knowledge or consent. In XX/XX/XXXX I finally got an email alert saying that my payments have been turned off at which point I had to call and get the deferment reversed. 

Since my payments had been turned off from XX/XX/XXXX-XX/XX/XXXX my principal balance remained higher than it would have been if they had not turned off my payments. As a result the interest payments that XXXX applied to my principal balance were also higher than they should have been. All of this leads to them charging me more money under the guise of a " service benefit '' ( their words, not mine ) which I never asked for or desired. 

So in conclusion, XXXX made changes to my account which allowed them to increase the amount of money they say I owe, and this was all done without my consent or authorization.
Consumer complaint received 2022-12-26
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. (CA)

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. 
XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my nghts. 
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 intormation Any other adverse item of intormation. other than records of convictions of crimes which antedates the report by more than seven vears.

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 consumer do not consent to.

Inquiry on my TransUnion credit report. The company is XXXX on XX/XX/XXXX.
Consumer complaint received 2020-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

To whom this may concern, Hi I am seeking assistant regarding a collection agency by the name of XXXX located in XXXX, Texas. This agency has placed a collection account on my credit report for an account that was paid years ago & they refuse to remove it despite the documentation proving it was paid. 
Because the account was paid years ago it should have never been placed on my credit report in XXXX. This has caused my credit score to drop significantly & I have been unable to apply for a home for my children & I for 7 months. 
I have contacted the Credit Agency Equifax & also the Consumer Bureau Protection, unfortunately these agencies do not protect consumers & allow this predatory collection agency to take advantage of innocent individuals. 
This company XXXX has over two-hundred and forty complaints on Consumer Bureau Protection Website and all  consumer complaints are consistent with the same complaint that this company is trying to collect a debt that is not owed. 
I am seeking assistant to take this company down & hold them responsible for every fraudulent account they have sent to the credit bureaus & trying to collect money for unlawfully. 
All consumers & attorneys are welcome to contact me in regards to this matter. 
Please provide assistant immediately to hold XXXX responsible. 
The account for XXXX XXXX XXXX was paid in XXXX, XXXX placed the collection account on my credit report in XXXX. From XX/XX/XXXX to today XX/XX/XXXX I have been contacting XXXX to remove the fraudulent debt they recreated. 
I have submitted documentation of the account paid in XXXX.