davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
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. (CA)

I have reached the peak of my peatiece because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/XXXX and the the most recent letter I sent was dated XX/XX/XXXX with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : 1. XXXX XXXX XXXX {$1100.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Balance {$170.00} Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IA)

XXXX XXXX handles XXXX XXXX XXXX Credit Card holders accounts. XXXX XXXX has charged me several Late Payments ( {$37.00} ) in the short time I've had a XXXX XXXX XXXX Credit Card. When I receive a XXXX XXXX XXXX statement, it only allows check by mail. When I call XXXX to make a payment, their automated system only only allows check by phone. If I'm late for a payment and call XXXX, I'm transferred to a XXXX XXXX live person and I'm allowed to use my MasterCard/Debit Card to make a payment. I found out from a " live person '' in XXXX that I could've used my MasterCard/Debit Card for my payments every month, all I needed to do was talk to a " live person ''. It seems like this information was withheld from me. I've also tried to make a payment using my XXXX XXXX XXXX Account ( XXXX ) to make a payment to my XXXX XXXX XXXX Account and it was rejected by XXXX XXXX. Although my XXXX XXXX XXXX had ( has ) a routing number and checking account number attached to it and the money for that payment was in that account. I was not immediately aware that XXXX XXXX   rejected the payment from my XXXX account causing another late Payment Fee of {$37.00}. These problems have XXXX  my XXXX XXXX XXXX Credit Card Account.
Consumer complaint received 2019-03-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (WA)

On XX/XX/2019 Ally Bank closed my online savings account and without my authorization withdrew {$39000.00} from my account. I was notified that my account was closed when I tried to transfer funds into another Bank Account and that Bank advised me that my Ally Bank Account was closed. I went online and viewed my account and discovered that there was a withdrawal of {$29000.00} posted on XX/XX/2019. I called Ally Bank and was told that the account was closed and they would mail a check to me for {$29000.00}. I advised Ally Bank that I did not want a check with that large of an amount mailed to me and that I would want that either the account be reopened and the money deposited back into the account or for the money to be transferred to my other bank. I was advised that the representative would " send a message to do that for me. '' I did not hear anything and called back and spoke to a Supervisor, who would only identify himself as XXXX. He advised me that since I did not authorize the withdrawal he would send a message to the " Executive Resolution Office '' and they would possibly reopen the account and stop the check from being mailed. XXXX advised that I would hear from the " Executive Resolution Office '' Not hearing from the " Executive Resolution Office '' I called back on XX/XX/2019 and spoke to a Supervisor who would only identify himself as XXXX. I advised XXXX that I wanted to speak directly to someone in the " Executive Resolution Office '' XXXX advised that he tried to contact them to ask if they would speak to me, but he could not get anyone to answer his call. XXXX advised me that the check was already mailed. 

It should be noted that on XX/XX/2019 I called Ally Bank and spoke to a representative and advised him that I was going to transfer the funds in my account to another bank. I advised him that when I transferred all the funds out of the account I would then close the account. I advised him that the reason I was calling was to find out what would happen to any interest that would be due me on the account once I closed it. He advised that they could mail it to me. I stated that " they could mail the interest to me because it would be a small amount. '' I never authorized the withdrawal of the {$29000.00} and for that amount to me sent to me by mail. 

These funds were to be a gift to my daughter for a home closing and that is why they were being transferred to another account. By mailing the check this has delayed my ability to give my daughter the funds in time for her closing which has caused a major problem.
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Pursuant to 15 U.S. Code 1681c-2 - 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 of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2023-08-21
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: Southern Auto Finance Co (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2021-03-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XX/XX/2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: XOOM CORPORATION (CA)

On XX/XX/XXXX Wednesday I used the service of Xoom money remmitance to  send money for my fianc in XXXX I used their service since I've been a customer for quite a while until this XX/XX/XXXX Wednesday that I used my bank account as auto debit transaction to be deposited to my fianc account using their assigned XXXX partner XXXX XXXX  XXXX to receive my remmmitance. On XX/XX/XXXX my fianc went to pick up the money and had her bank book updated. When she asked the teller to withdraw the said money transfer I sent her on ( XX/XX/XXXX ) they told her that the money is still on floating status and come back sometime XX/XX/XXXX if it's available. The reason I'm complaining is that I paid a bank to bank same day service to xoom and they have not done their part on this matter. Kindly address this complain the soonest for my family is in need of that remmitance for their food and medical needs. XXXX bless!!!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and REMOVE them immediately in my report : 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2018 I was paying my rent via my apartment complexes online at https : XXXX I was trying to submit my half of the payment for rent which is XXXX. While trying to pay only my half, the online portal then took out the full amount and put my account into overdraft. I immediately called TD Bank to tell them that this was an accidental transaction and to put the funds back into my account as soon as possible, as well as to inform my apartment complex about the transaction even though they assured that they do no provide refunds even though they knew of my situation financially. That same day TD Bank then told me to provide documentation regarding this transaction to their Disputes and Claims department via Fax number XXXX. I called a representative thinking that I had enough documentation to resolved this issue, this costumer representative was obviously extremely ignorant and incompetent, because a few months later on Tuesday XX/XX/2018, I wake up to see {$1000.00} taken out of my account and my account put into overdraft a week before the XXXX season. The overdraft fees then piled up to an extreme amount of {$350.00} ( which I only have received {$170.00} ) and I also had my whole paycheck in the amount of $ XXXX go completely to overdraft fees. In the beginning of XX/XX/XXXXafter New Years Day, I went straight to a branch to resolved this matter because I received a phone call from the Fraud Department ( which this was not a case of fraud by any means ) saying that they did not get all the listed documentation I needed to provided even though I faxed it to the Claims and Disputes department weeks before hand. Upon arrival not only am I in line waiting to send these documents before XXXX, as soon I get a chance to speak to a teller and tell this individual my situation, I get interrogated and somehow my roommate is dragged and she has the nerve to blame him fort their mistake. This is not how customer service should be, and I want all my money back in full.
Consumer complaint received 2019-01-18
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: EQUIFAX, INC. (FL)

XXXX XXXX has incorrectly reported late payments I am enclosing an ledger report from XXXX show that they payments were made and that no late fees were accessed. 

I have included bank statements showing the payments were made within 30 days. And an complete payment history for the payments made while I was in Bankruptcy. 

XXXX was paid off in XX/XX/XXXX and then after payoff they reported to Equifax and XXXX that in XX/XX/XXXX I was 180 days late, XX/XX/XXXX 90 days late, and 150 days late in XX/XX/XXXX. Please note on the credit report they show XX/XX/XXXX through XX/XX/XXXX No late fees and all my payments are listed on their ledger. I have highlighted them for you starting on page 32 - 37. 

Enclosed also find a summary of payments from the trustee XXXX XXXX. Please note how XXXX posts credit and how the actual payments from XXXX XXXX the trustee differ.
Consumer complaint received 2022-08-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc (MD)

I had filed for a loan with affirm to buy a cell phone from XXXX XXXX. XXXX XXXX phone was damaged therefore I started a return for a refund. I believe it is unfair that I have to pay for something that was damaged and XXXX XXXX is not abiding by their own company policy. Therefore I am also filing a complaint with the government regarding this complaint I sent documents that prove to purchase this phone from XXXX XXXX returns within 14 days. I put in the system for a return and explain the damaged phone and XXXX XXXX sent a label and stated that the phone must be returned by XX/XX/XXXX and it was returned by XX/XX/XXXX. Then I received a message that the refund will be within 10 days however XXXX XXXX neglected to send the refund. They sent me the phone on XX/XX/XXXX XXXX then I called XXXX XXXX customer service on the same day- she told me a refund will be in 24 hours. then I called XXXX XXXX on XX/XX/XXXX reference number XXXX and she told me that I should receive a call from the escalation department regarding a refund, I gave affirm all this information and affirm is not advocating for me regarding this purchase and expected me to pay for something that is damaged. I believe I should not have to pay for something that was damaged and if I pay for something that means I am going to continue to pay for a damaged phone that is unfair. I will not pay a payment until XXXX XXXX gives me my refund. 
I believe affirm should assist me with a dispute against XXXX XXXX for selling me a damaged phone and violating their own policies. Affirm expect me to pay for something that is damaged by XXXX XXXX however they had sold me a damaged product. I filed a dispute with Affirm and provided all documents that XXXX XXXX is violating its own company policy. Affirm closed my case and told me I still have to pay regardless of XXXX XXXX defaulted on their company policy regarding refund procedure. I am requesting an investigation because Affirm should advocate for me that I should receive my refund as I filed a dispute about it with Affirm. I filed a dispute and Affirm did nothing to assist me. Affirm is asking for payment and not pursuing the dispute with me as returning customer who paid off loans before with them.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I previously disputed this collection account to Credit Bureaus as I am not familiar with this {$1200.00} debt with IC System but they continued to report the account as accurate. That is the reason why I filed a complaint with CFPB. I have full medical coverage reasons why this account should not be showing on my credit report. I am not obligated to pay for this considering this business does not have a contract with me or provide me with any service.
Consumer complaint received 2022-08-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

On XX/XX/2022 I sent a debt validation letter to Convergent Outsourcing through certified mail. The package was signed for on XX/XX/2022. It is Now XX/XX/2022 and I have not received any validation or verification nor a response at all. The account is still reflecting negatively on my credit report.
Consumer complaint received 2022-07-11
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. (VA)

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 has violated my rights. 

15 U.S.C 1681 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 2019-01-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

Due to unemployment, I defaulted on a personal loan in the amount of {$14000.00}, extended to me by XXXX, in XX/XX/XXXX. The predatory ( unbeknownst to me at the time ) interest rate charged on the loan was 29.99 %. I made timely payments, through, and including XX/XX/XXXX, totaling {$7000.00} ( $ XXXX-Principal + $ XXXX-Interest, applying their predatory interest rate ). By these calculations, the amount outstanding is {$11000.00}. If complying with the maximum interest rate allowable via VA Code ( 12 % ), I believe my indebtedness to XXXX is {$9100.00}. Either way, the collection agency and/or attorney now handling the matter erroneously indicate that I owe {$13000.00}. 

I am now unclear as to whom the debt is owed or to whom I should respond to, as I have received correspondence from : XXXX XXXX XXXX, XXXX, dated : XX/XX/XXXX ( Notice of Intent to File Civil Suit ), XXXX XXXX ( two separate pieces of correspondence ), XXXX ; and Resurgent Capital Services d/b/a or on behalf of LVNV Funding LLC, dated : XX/XX/XXXX ( two separate pieces of correspondence ), and XX/XX/XXXX. 

None of the above-referenced correspondence directly address my dispute, sent to XXXX XXXX XXXX, XXXX, via certified mail, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

My XXXX XXXX card was paid in full in XX/XX/2018. I personally bank with XXXX. XXXX notified all THREE BUREAUS that the ACCOUNT WAS PAID IN FULL AND CLOSED AT THE CUSTOMERS REQUEST. Transunion, not only has NOT updated the information despite being contacted no less than 5 times, but even TODAY they still have it that I have an outstanding balance of {$6500.00}. This is VERY DAMAGING TO MY CREDIT SCORE. Attached, is a copy of the Statement, as well as a copy showing that the account is closed and PAID IN FULL.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc. (IL)

Revolut has continually blocked my access to funds, first via using my debit card, then by preventing me from selling cryptocurrency and now by locking the account in full. They have not provided any of the services that they advertise for their metal plan and prevent users from leaving their scam of a bank unless they pay more while they have their funds locked at this XXXX XXXX XXXX XXXX XXXX XXXX 

Both XXXX and Revolut need to be investigated for fraud and financing foreign affairs. This is not an isolated incident. US citizens are having their assets locked away by Revolut and are having to continue to pay the monthly fee to keep open the account that Revolut is holding money hostage in.
Consumer complaint received 2022-08-27
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. (NC)

I did not give consent for all these companies to make inquires on my credit report. I have disputed with the credit bureaus with no assistance. I have been a victim of identity theft and have filed appropriate documents as well. 

This includes all some have multiple entries. 

XXXX dba XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXXXXXX XXXX XXXX, 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