davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I attempted to make a XXXX transfer as a deposit for a rental and contract I signed. I entered the information as required and processed the transfer and was provided a message via my email from Truist Bank that there was a hold on the transaction. I have sent money before without a hold and while this is a new transfer I needed this to go through timely. 

In an email from Truist about the hold received the same day it said the following : Recipient : Rich Amount : {$1000.00} Date sent : XXXX XXXX Memo : Deposit for unit XXXX Payment ID : XXXX If you have any questions about this transaction, please call us XXXX at XXXX ( XXXX ) for assistance. 

I called the number referenced above and was put into their automated system, when I attempted to try to speak with an agent at approximately XXXX a recorded message said it as outside of bank hours- although the message in the email said to call with questions XXXX. Also there was no automated option on a transfer. This is not the first issue I've had with Truist and their vey poor service which has now created problems for me trying to access and make a payment for a rental. At this point I do not know when this will be resolved and whether or not I will lose the rental I'm trying to secure because Truist has not processed my request and there is apparently no one to even speak to until Monday.
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I am hoping for a quick update or correction regarding this matter. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (OK)

XXXX Direct deposit failed in the amount of {$720.00}. No answers from Cash App. XX/XX/, double charge for a purchase of {$33.00}. no action or answer from Cash AppXXXX, was told I had insufficient funds and got declined. Money in the amount of {$24.00} was still taken out of my account. No response and no explanation given. No refund of any kind. These are just a few of the problems I have had with this institution. I am hoping that this will help someone so that they do not loose money with this institution. They are constantly withholding money and never giving any answers.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (KY)

On XX/XX/XXXX, I was talking to XXXX customer service, she said that I should consolidate my loans because I have been paying on them for over 20yrs and if I did consolidate that they would be possibly forgiven, expunged! So, I did. A few weeks later, without notice, either by email or paper, my loans were transferred to mohela without me knowing. I also have been working for non-profit since XX/XX/XXXX, and I started application for PSLF because I'm so tired of paying on these loans forever, I'm just looking for any kind of forgiveness, and also I don't know if applying to multiple programs will kick me out from one or all, all this is confusing. I just know that my loans are being mishandled and need you help
Consumer complaint received 2023-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (IL)

I received two unblocked calls from Phoenix Financial Services. I also received several blocked calls on the same day. I dont get that many phone calls in a day and it is strange to have 5 blocked calls in one day. When I called they were looking for a debt from someone else I started to tell them it wasn't me and they hung up on me. I have a screen shoot of the phone calls. The phone number they called from was XXXX XXXX XXXX
Consumer complaint received 2019-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

ISSUE : A Bank of America credit card in my name was charged {$86.00} in XXXX without my knowledge or consent. I was not contacted by Bank of America or a debt collector and only know of the incident because of my annual credit report. 

REPEAT OFFENDER : This is the second time Bank of America has charged me for a credit card without my knowledge or consent. I elected to pay {$100.00} in charges made without my knowledge or consent on a credit card account I did not have just to clear my credit in the summer of XXXX. 

As I politely explained to Bank of America tonight ( XX/XX/XXXX ) by telephone I feel that I have no options to resolve a clear case of identity theft and fraud. 

The Bank of America representative further advised that a savings account and checking account were created in my name in XXXX without my knowledge or consent. 

I have not had a Bank of America account in about seven years yet I still get charged with items on my credit report. Paying a debt I did not owe in XXXX made the problem worse because I accrued an additional balance and two more accounts were opened.
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit 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. (MA)

On XX/XX/XXXX I was inappropriately assessed a total charge of {$46.00} by Intellius.com on my XXXX credit card account # XXXX for service I did not receive, which is still outstanding, despite my writing XXXX 's XXXX at XXXX XXXX, XXXX, KYXXXX on XX/XX/XXXX. I told him/her if they can't rectify the charge and credit m {$46.00}, Cancel My Credit Card XXXX. Note : I always pay my balance upon receipt, except the XXXX charge of {$46.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-07-20
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. (VA)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX  XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX {$1300.00} ; XXXX XXXX XXXX XXXX {$2300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$400.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00}
Consumer complaint received 2019-07-12
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-01-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (IL)

My wife was laid off recently so weve been running about 27-29 days late on making our mortgage payment. On XX/XX/XXXX and the XXXX I tried making my mortgage payment on the companys web site and I was given a message that stated that the site was down for payment processing and the payment could not be placed at this time. I tried to call and no one was available. I went online to make the payment on the first and I could not as the same message was posted. I also called to no avail. On XX/XX/2019 I am as finally able to make a payment but at that time they said they couldnt take one payment and I had to make two payments at once. XXXX and XXXX. My complaint is that they shut down the site and I was not allowed to make a payment before I was 39 days late and now it has effected my credit report. The customer service manager stated that they do this every month so its perfevtky legal with the CFPB. This is not true as you can not deny a payment within the 30 day late time limit and then report someone late because the site is down. He also stated that the payment would have been late anyway. Because the payment would have not posted until the next day which is also incorrect because the payment is paid when authorization is given, and not when it posts. I want the over thirty day late payment taken off my credit report and the payment system also needs to be fixed so that if someone needs to make their payment two hours before the deadline, they can.
Consumer complaint received 2019-07-12
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. (NV)

Equifax is purposely disobeying the FCRA 605 ( B ) Laws. Equifax has received all the necessary documents on my behalf to validate my identity being stolen, in relation to a fraud account and fraud inquiries showing on my report. Equifax staff members verbally said they received the documents on XX/XX/2019 and thus far have not blocked the said creditor or inquiries ... today XX/XX/2019 staff member verbally said to me that they just initiated a new dispute for this account.. so what have i been waiting for these past 30days? nothing? ON TOP OF THAT, THIS ACCOUNT HAS BEEN LEFT ON MY EQUIFAX REPORT LONG ENOUGH FOR A NEW BALANCE TO REPORT, THE BALANCE GOES FROM XXXX BUCKS TO XXXX BUCKS, THE THIEF HAS MAXED OUT THE FRAUDULENT CREDIT CARD ACCOUNT AND NOW IT HAS RUINED MY OVERALL UTILIZATION, THIS IS HORRIBLE! And your not disputing the inquiries even tho they've been added into my recent police identity theft report? ... Makes no sense. They are willfully going beyond the legal statute of days having to block all the information resulting from alleged identity theft, not later than 4 business days of receipt. As stated under the FCRA 605B ( 15 U.S.C. 1681c-2 ) They are clearly breaking laws, I have been on phone calls stating the obvious that this is incorrect and i should not have to wait a total of 30days or more for you guys to block these accounts as a valid fraud investigational dispute works differently than the normal disputes. They have totally disregarded the laws morality and my own anguish, so I thus have been forced to keep fraudulent accounts & inquiries on my profile through their own discretion.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Consumer complaint received 2019-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

This is a debt collection company and I understand that I owe the debt but I refuse to be harassed and contacted everyday including Saturday 's and Sundays. I receive two to three calls a day from different phone numbers but from the same company, Portfolio Recovery. I'm receiving XXXX for XXXX and XXXX and this company have me in tears some days because I know it's them and I've even received calls before XXXX from local numbers pretending to be someone else. I have even read reviews from other consumers and they have all said the same thing, they are being harassed as well and they are a nuisance. Blocking them doesn't work because they just call from another number. Between the months of XX/XX/XXXX and XX/XX/XXXX Portfolio Recovery has called me from 10 different numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX  ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX  ) XXXX.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. In order for you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data.

I checked my personal credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2019-01-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

On XX/XX/XXXX I received a final notice from my old apartment complex that said I owed the amount of XXXX or it would be sent to a collections agency. On XX/XX/XXXX, I received multiple harassing phone calls from IQ Data Inc. from phone numbers ( XXXX ) XXXX and ( XXXX ) XXXX. I received five phone calls from this number in a seven hour period, sometimes repeatedly, to my personal cell. As well as, two phone calls to my other number. Totaling seven phone calls in a seven hour period. I called the company back and spoke with a collections agent named " XXXX '' and verified he was making these calls and his supervisor. I informed them that this was harassment and I would file a complaint and to discontinue contacting me, they refused to acknowledge this request. I also have not received a 30 days notice. 

All of this information will be provided in attachment ( s ) below.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc. (TX)

Someone has stolen my identity and I have done everything I can I my end to fix it but the Department of Education is not taking it off. I have an email from XXXX XXXX  stating that they have cleared the account and they recognizing the account as fraudulent the department of education, needs the school to call them and fix the loan but the school will not. This account was fraudulently made in my name, and I want it off my credit.
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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IA)

I reached out to XXXX XXXX XXXX about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from XXXX XXXX XXXX  to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.
Consumer complaint received 2023-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc. (NY)

CashApp is arbitrarily and capriciously restricting, inhibiting, reducing, sabotaging, interrupting, preventing, and otherwise obstructing money being transmitted by my predominantly XXXX, XXXX, XXXX XXXX XXXX XXXX from hiring/paying our XXXX XXXX XXXX XXXX in order to obtain much needed legal services, in our major practice areas of immigration law, deportation defense, family law and divorce, criminal defense, and civil rights law. Based on their transparently biased, XXXX, and discriminatory letter attached, where they use a ton of non-specific " buzzwords '' to justify their illegal actions and conduct, it is our legal analysis and opinion that they are targeting minority payors, and payees, to prevent or inhibit interstate commercial transactions, in violation of the federal, state and local law, and even the United States Constitution. Even worse their motivation appears to be in violation of Title VII of the Civil Rights Act as well as other Human Rights Laws of New York State ( and other states ). Please urgently investigate and advise.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Forster & Garbus LLP (NY)

Received a notice of commencement of action against me today XX/XX/XXXX this is the first I have heard from them. The case is from XXXX XXXX XXXX XXXX XXXX and the firm name is Forster & Garbus , LLp apparently they bought the debt from XXXX back on XX/XX/XXXX and now they are trying to take me to court. Is their anything that you can do for me .The amount is for {$2300.00} and was dated XX/XX/XXXX and today is XX/XX/XXXX and I'm just receiving this.