davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

XX/XX/XXXX I took out a loan for {$2500.00} from Cash Central while in need of cash for a life threatening emergency. ( if it were less than {$2500.00} this would not be legal from my research ) At the time, I was a resident of XXXX XXXX but living in XXXX ( I provided them my XXXX license ). 

Cash Central is licensed to make installment loans, however I can not find a copy of a license to operate out of XXXX until XX/XX/XXXX. When the loan was made XX/XX/XXXX, they were licensed to make loans out of XXXX ( but not XXXX ). 

The 180 % interest loan was paid on time until I fell into another financial hardship. I was advised to reach out to the XXXX XXXX XXXX to help bring down the loan which they did. We had agreed to a settlement for 2 payments of {$400.00}. One payment was to be taken out of my account and I would be mailing the other payment before XX/XX/XXXX ( which I mailed and have documented ). The final check was never cashed by Cash Central, which I did not know until a later date. 

My loan was then sold to XXXX XXXX XXXX who greatly impacted and destroyed my credit. I have lost job offers as well as housing offers due to this unethical and predatory loan. I should have been paid to date and account closed. After numerous attempts to try and rectify this issue, Cash Central has not returned phone calls or emails. I then went ahead and reopened the case with XXXX   but Cash Central has stated " Due to the sale of XXXX XXXX debt, Cash Central does not have the authority to collect on this debt, and has not attempted to since the date of sale. He may address further questions regarding this account to XXXX at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX '' On XX/XX/XXXX I was notified ( by XXXX ) that records showed I made ZERO payments which is inaccurate as bank statements will show. My credit report also has 2 conflicting charge offs ( one cash central and the other XXXX XXXX XXXX  )
Consumer complaint received 2018-02-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: LOBEL FINANCIAL CORPORATION (CA)

The amount of this car loan has been taking care through wage garnishment XX/XX/XXXX. Lobel Financial continues to change the status as judgment to charge off. It has been affecting my credit for the last 8 years. I have paid over {$11000.00} into this debt ; however I continue to accrue interest on the original debt that was roughly 14k. Today when I called the sheriff office i was told that the balance to satisfy this debt is another {$10000.00}. The car at this point is only worth {$1600.00} ( which Lobel Financial repossessed in XX/XX/XXXX ). When I've called the company they just give me the run around telling me they aren't allow to give me information about the account ( not even the account number associated with this car ) and suggest I call the county sheriff office for more assistance. That call leads me right back to square one because the sheriff is only collecting the money nothing else.
Consumer complaint received 2023-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

On Sunday, XX/XX/XXXX, I attempted three times to use my Cash App debit card to send {$1.00} to XXXX to clear up a balance due with that company. The transaction was declined three times and the only explanation given on the app was that it was done for my protection. When I contacted cash app through their chat feature, I was told that I would not be able to use my card. I then asked why my card had been suspended and explained that this had some very serious consequences for me in terms of Getting By day today. The person I spoke with and his colleague both repeated the same line that they had no further information to add and that I should read the terms of service. I called the customer service line shortly after it opened at XXXX XXXX. And spoke to another person who repeated to me again that they had no information to add and that I should read the terms of service. I spoke to the night manager, and was told the same thing. For sending funds to one of their competitors, and I asked why they had no problem with me receiving funds from XXXX, and that to a reasonable person this might smack of Restraint of trade. The night manager told me that I could expect an email Within 15 minutes approximately from her Superior. I received an email from the managers Superior, identified only by the name XXXX, and was told that I would not be provided any information and that I find another alternative means of paying off the XXXX debit. I once again said that this was a catastrophic decision for which I have been given no explanation and that I needed her to put me in touch with someone who would with the authority to grant me relief from the catastrophic consequences of their company 's decision. I received a curt reply telling me that there would be no further Communications.
Consumer complaint received 2022-08-28
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: CLGF Holdco 1, LLC (TX)

In accordance with the fair credit Reporting act XXXX  Account # XXXX has violated my rights 15 USC 1681 Section 602 states I have a right to privacy 15 USC Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (MO)

Caine & Weiner had deleted this from my account and here 's the proof and they must of sold it to a cash buyer and it came back 5 months later and they added a charge doesn't suppose to have a balance on it no way so please delete it
Consumer complaint received 2023-10-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (NY)

Back after my last transaction on XX/XX/ with Square, this company closed my account without providing a reason. There has been a balance of {$59.00} sitting in the account since then and I was told my funds would be sent to me 6 months after the account was closed and it is now over 6 months and I have not had the funds sent to me. I went into the account to try to withdraw the funds and they have blocked my ability to do so. They have not responded to repeated requests as to why I can not access the funds and I have exhausted all options for a resolution with this company.
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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
Consumer complaint received 2022-07-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (FL)

I received a call from my bank 's phone number saying that someone tried to take {$2500.00} from my account and that they needed to transfer it back into my account. I did not give them any information they had access to all of my accounts and proceeded to remove the money from my account using XXXX. There was nothing I could do to try and cancel the transaction and my bank said it is unlikely that I will get the money back because it was a XXXX transaction, even though I did not authorize the transaction.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Hello I closed a fee-based credit card with Citibank in XXXX as I was not happy with the quality of their service. I was paying a substantial annual fee for their Prestige Card and did not find value in it. I closed my card on XX/XX/XXXX and was told a prorated refund will be sent back. I have not received anything. I have called and chatted with them in the past and was told that the refund willl be processed shortly. I called again today ( XX/XX/XXXX ) and spoke to an agent who said that they have no records - which does not make any sense. Citibank can not simple decide to keep my money - thats just not now it works. Their complete disregard for consumers is the reason I closed my card in the first place. I should have expected nothing less from them. God forbid a consumer misses a payment - but is Citibank is allowed to do whatever they want? 

I would appreciate your intervention to restore consumer confidence in the ability of government oversight to keep things somewhat fair. These types of run around tactics should not be allowed. It is a complete waste or my time and your time. 

With appreciation for your work! 

XXXX
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I started an International wire transfer at the local Bank of America Branch. I transferred funds from my savings account to a company in XXXX XXXX ( XXXX ). 
-After about 10 days I asked and the XXXX company indicated that they did not received and money. The XXXX company contacted their bank and were told the funds were rejected/ returned by the bank because the XXXX company name was incorrect. 
-On XX/XX/XXXX the XXXX company contacted their bank and informed me that my funds were received on XX/XX/XXXX and returned/rejected on XX/XX/XXXX to Bank of America XXXX 
-On XX/XX/XXXX I spoke with Bank of America ( B/A ) 'Wire Transfer Customer Service ' and the rep. 
indicated that they would put a trace on the funds and was told to call back in about one week. 
-On XX/XX/XXXX I called B/A wire customer service again and the rep. said she would request the return of my funds. 
-As mentioned about on XX/XX/XXXX the XXXX company was told that the funds were returnded on XX/XX/XXXX. 
-On XX/XX/XXXX called B/A wire cust. service and gave this info to the telephone rep. who indicated to me on the phone that she would transfer the funds to my account. 
-As of XX/XX/XXXX no funds have been received. 
-I need your assistance since the wire customer service had known that my funds were returned on XX/XX/XXXX and was not informed or the funds were not credited to my account.
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

This a collection account that showed up on my credit report and i have no idea where it came from, it showed up once on XX/XX/2020 then disputed the collection and they removed it from my credit report, then on XX/XX/XXXX it showed up again and I tried to dispute it with XXXX but they wont remove it, i think its a fraud debit, the amount is XXXX dollars i think for a hospital in Florida, I never went to Florida Please remove it from my records
Consumer complaint received 2023-07-18
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)

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 : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}, XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX  XXXX Balance : XXXX
Consumer complaint received 2022-07-11
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Dispute this Address Date of inquiry XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX days XXXX XXXXXXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX  days XXXX XXXX XXXX XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX  month XXXX days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX years XXXX months XXXX days XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  day XXXX
Consumer complaint received 2023-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

XXXX  Chase offered a card with free points offer. Their representative told me the fee for the card would be waved for the 1st year. I went into specifics with their rep on how long i had to keep the card to get the points I was told i could cancel after 6 months and receive the points Much to my surprise Chase billed me a {$95.00} annual fee I disputed this charge ... .and appear LOST in their system They called me and told me they were escalating looking into this Many cards wave 1st year fee. And I was told by Chase this card would as well. It even stated that in their online advertising at the time I applied This is a matter of principle even more than this fee If Chase told me the 1st year fee would NOT be waved, I would never have requested this card Chase obviously shows little concern for their customers. I would do business with other banks before dealing with Chase again
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

My auto loan was set up with automatic payments for the life of the loan. I recently paid off the loan. JP Morgan Chase allowed additional money to be withdrawn from my personal checking account above and beyond the payoff amount. They did issue a refund check for the overage amount which has still not arrived 30 days after the withdrawal. In addition, they did not disable the automatic payment function associated with the loan, and once the loan closed they removed the functionality on the website that would enable me to manually cancel the automatic payment myself, and so I have had to manually work with both JP Morgan Chase and my personal bank XXXX XXXX XXXX to ensure additional money is not withdrawn from my account.
Consumer complaint received 2022-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022 I was selling some items for the amount of {$750.00} & {$150.00} and the buyers stated they sent a total of {$900.00} via XXXX. Shortly after, I received an email from XXXX stating that I had received funds and they were put on hold due to my account limits. The buyers stated they received the same email and sent over another {$900.00} per what the email advised. I received another email stating that I had to request an additional {$900.00} to upgrade my XXXX account and confirming I received the additional {$900.00} the buyers sent. I received another email from XXXX stating I had to return the funds due to the " buyers protection '' program established to protect the buyer. I called Wells Fargo before I sent over funds and the customer service rep stated he was not sure what to do and said if XXXX emailed you it should be fine. The scammers impersonated XXXX and scammed me out of {$900.00} and now Wells Fargo does not want to credit the funds back even though I provided the email records where they impersonated XXXX. I think it's ridiculous that Wells Fargo does not advise their customer of the recent scam tactics being used. Such a big corporation and they do nothing to protect the consumer. 

Claim # XXXX - {$750.00} Claim # XXXX - {$150.00}
Consumer complaint received 2022-07-20
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2023-07-18
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. (MI)

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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : 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 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 2019-11-19
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. (FL)

Looked at my credit report today saw fraudulent inquiries. One from XXXX/XXXX second from XXXX. Both was not my doing. I am a victim of identity theft. These inquiries was done by me or to my knowledge. These need to come off. Also under collections they have an account from XXXX XXXX XXXX This is not my account. This account was not opened by me this is not mine. Its fraud!
Consumer complaint received 2023-07-18
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX XXXX  XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$6000.00}