davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am reopening complaint number : XXXX because the response from Bank of America is far from a relief, it is retribution. 

1- I had in my checking account {$290.00} before the incident and now it is closed with a negative balance of {$5200.00} ( - {$5200.00} ) 2- My savings account is wiped out with a negative balance of {$880000.00} ( - {$880000.00} ) and I have no access to any these accounts as well as the credit card and my daughter 's account, they are all closed for what reason? 

Again, I received a check from XXXX XXXX XXXX in the amount of {$5500.00} as a payment for my truck which was for sale and deposited it in my account at bank of America. I started to refund money back to the seller when he changed his mind, only when he informed me that the check was cleared at his bank and the funds were available at my bank, which verified to be true.
Consumer complaint received 2018-04-11
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: CURO Intermediate Holdings (TX)

I disputed with XXXX XXXX XXXX inquiries that were not authorized by me. I also contacted XXXX XXXX made two inquirys on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (KY)

On XX/XX/2023, I sent someone {$500.00}. Then the person who I sent the money, canceled the transaction and I was supposed to be refunded. I contacted CashApp several times about my refund because it wasnt back in my bank account. They kept saying that it should be available in my bank account. It has been almost one month and I still havent received that money back into my account. CashApp keeps lying to me that they refunded that money but it isnt in my account.
Consumer complaint received 2020-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (CA)

In XXXX of 2020, I discovered an alleged debt reporting on my credit reports for XXXX XXXX XXXX XXXX for an amount of {$350.00}. On XX/XX/2020 I sent Enhanced Recovery Company , LLC ( ERC )., a request for validation as I am allowed under the Fair Debt Collection Practices Act and requested for validation including a separate request for an assignment under the California Rosenthal Fair Debt Collection Practices Act ( Ca Civil Code 1788.13 ( l ) ) which prohibits " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' I did not receive any response from Enhanced Recovery Company LLC.
Consumer complaint received 2020-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (GA)

After receiving a prequalified offer. I applied for a loan with Mariner finance online on XX/XX/XXXX. I was contacted by the XXXX Ga XXXX  and was told there is nothing they can do for me. I asked the representative for a reason for the denied loan. The representative replied there isnt a specific reason and that I would receive a letter within 30 days. I contacted customer relations for a explanation. CR REP pulled my application and said that my application was still under review and looks like the denial is going to be do to poor performance and a charged off account. This would explain why the branch rep could not give me a reason for the denial and also suggest that I wasnt given due process as other customers. I had to declare XXXX in XXXX. After discharged in XXXX I have rebuilt my credit and has had a 100 Percent on time payment history with all my creditors for the past three years. My credit score is considered good. My payment history is excellent and I have the free income to support the repayment of the loan requested. Mariner Finance seems to be engaging in discriminatory Bankruptcies practice against Customers who has had to declare bankruptcy while having a existing loan with the company. The company is not allowing due diligence and adhering to the underwriting guidelines for certain customers in particular those who had to declare bankruptcy no matter if we otherwise qualify for the Loan. This seems to be a discriminatory practice. A applicant whos less qualified than another applicant whos more qualified should not be given preferential approval because the more qualified Applicant had to declare bankruptcy at one time of another. This is an unfair act of practice. My attention is to research the legalities of such practices also.
Consumer complaint received 2019-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

I have been enrolled in school full time since 2016. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school full time. I have disputed the two XXXX XXXX XXXX accounts and the two XXXX XXXX XXXX XXXX accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS. 
I have contacted NLSDS and XXXX XXXX XXXX XXXX and both have told me that they will not change how the loans are reporting
Consumer complaint received 2022-06-14
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-03-23
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: EQUIFAX, INC. (CA)

There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent.

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with XXXX, Equifax and XXXX.
Consumer complaint received 2018-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (MO)

This loan was sent to a company called XXXX XXXXXXXX XXXX XXXX XXXX for payment handling in approximately late XXXX or the beginning of XXXX. At that time, my automatic payment option was discontinued without any notice to me. 

I received a bill from the company in XX/XX/XXXX, and paid this amount in full. On XX/XX/XXXX, I received a Notice of Past Due Account advising that my student loan payment had not been received and that I owed them {$53.00}. 

When I called the company, I spoke with an employee named XXXX XXXX. He advised he had looked at the records and confirmed it was their error and I owed them nothing. 

However, by the time I reached the office, I had an email from him indicating that I owed {$55.00}. I was not provided with any documentation showing why I supposedly owed {$55.00}. 

When questioned further, he sent over statements from XXXX and XXXX that I had never received. The XXXX statement he sent indicated that I owed {$53.00}, not {$53.00} and not {$55.00}. 

Further, the XXXX statement I had received at my house showed I owed XXXX cents. When I called the company upon receipt of that invoice, they advised this was in error and would be taken care of. 

I have now been told twice that the bill was sent to me in error and I owe nothing. 
In the alternative, I have been told that I owe : XXXX cents {$53.00} {$53.00} {$55.00} All except the XXXX cents took place within the last twenty-four hours.

I have complained to the company and asked for documentation. I have been told ( yet again ) that they've made a mistake, but I have received no documents supporting their most recent claim that I owe {$55.00}.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2019-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

I opened a citi doublecash card with a 0 % promotional offer. On XX/XX/XXXX I was charged {$74.00} in interest. I have not used this card for any cash advances etc. I asked for a supervisor and they said that the supervisor will tell me the same thing that they do not see the offer on my account. They also said they are not even sure if they have branch locations in my area. I asked to cancel or rectify the situation and I was transferred to nowhere. I am having an extremely difficult time getting this situation taken care of and in the meantime they are mailing me more and more 0 % credit card offers for the same card I already have.
Consumer complaint received 2018-04-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

I was in the planning stages of getting a home mortgage with WF. I was encouraged by my mortgage broker to open a bank account with WF as this would facilitate the loan process. I opened the account with {$50.00} ( I was told I could start the account with as little as {$25.00} ). I was not told at the time that there would be monthly service fees if my account balance was below a certain minimum ( and evidently the minimum was greater than {$50.00} ). 
Logically I would never have opened an account with less than the minimum required to avoid monthly penalties. Ultimately I decided to get my home loan with another lender. When I went to WF to close the account I was told that the account was already closed and that the balance of the account was XXXX at the time of closure. Evidently, WF removed monthly fees until all {$50.00} was removed and then closed the account. I never received any notification that this money was being removed from my account
Consumer complaint received 2018-04-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc. (UT)

GM Financial is still reporting a negative balance and account on my credit. I settled this debt with the company collecting on their behalf, in XX/XX/2018. 
GM Financials attorney Contacted me when I was attempting to settle said that GM advised me to call them and she gave me their number : XXXX. 
I called them and they told me an outside agency named XXXX is collecting on the debt now. Their number is XXXX - GM account number XXXX. 
I called that company On XX/XX/2018 I settled the debt for {$1500.00}. It was paid and they advised me that the account was a XXXX balance. 
Now they won't return my calls and GM is still reporting on credit. I have contacted my attorney and the next correspondence will be from him if they do not fix this issue.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing.
Consumer complaint received 2022-06-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore XXXXm requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-03-22
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. (CA)

There is unauthorize Hard Inquiries that I didn't give consent to pull my credit and I didn't sign or verbally gave no credit companies no authorization or consent. 

Companies has to provide Federal Government and me a copy of my hand written signatures on those hard inquiries and inquiries on my credit report with Transunion, XXXX  and XXXX.
Consumer complaint received 2022-06-14
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. (MI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2019-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (FL)

The collector continues to update/change the amount due on the accounts to both XXXX and XXXX back and forth from XXXX to XXXX and then back to XXXX.. so on. I have not made an payment and this continues to hurt my credit score as if I am missing a payment and making a payment when actually the collector is changing the amount owed every month illegally. Please remove Hunter Warfield from all credit reports.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (WI)

I received a letter dated XX/XX/XXXX notifying me that my information may have been compromised as a result of the XXXX data breach. The letter ended up in a pile of paperwork around the holidays that I wasn't able to catch up on until a week ago. I went to the website, XXXX, and after entering some information, it was confirmed that my information had been compromised. Upon further reading, the site notes that the free 1 year tri-bureau credit monitoring available through TrustedID Premier is no longer available. I find it unbelievable that a company that suffered a breach has the liberty to close this kind of a service to affected customers. I understand that I didn't take action by XX/XX/XXXX, but given it was only 2 weeks after the deadline, I expected, especially given the customer service concerns and repetitional damages, that Equifax would be nothing less than responsive to my request. Unfortunately, this was not the case. I was instead offered their Lock and Alert service, something new that they have in place and are offering as an alternative. The difference is however, that lock and alert only applies to XXXX inquiries, and requires my personal attention and transaction by transaction management, something that was not required of me prior to the breach. Lock and Alert does nothing to help me monitor activity through the other 2 bureaus. I spoke with 2 different individuals at Equifax ( a staff person and supervisor ), and both told me that the only free " answer '' to my problem is the new Lock and Alert, and that they can't allow me access to the Trusted ID Premier tri-bureau monitoring, even though it's also an Equifax Product over which they have control. I am very frustrated, as Lock and Alert is not an adequate replacement, and requires me to be further inconvenienced by their carelessness by having to work independently with each of the bureaus to put in place special monitoring or protections, and then to manage those protections. I don't even know yet the services or costs of the other bureau products, but I find it unacceptable and unbelievable that Equifax can close a tri-bureau credit monitoring offer to customers within even the first 6 mos following a breach, and in fact would expect they'd be obligated to sustain complimentary services much longer, saving customers from the additional hassle of having to take the matter into their own hands with each of the bureaus. What is worse, and something I find to be completely disgusting, is that instead of taking responsibility for the breach and ensuring customers are treated right, they have the opportunity to make money off of the incident by charging for the tri-bureau credit monitoring services they no longer offer for free. as a consumer, I am quite outraged and feel my consumer protection rights are violated by this practice.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need it.