davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
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)

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Direct Cash LLC (TX)

I issued a stop payment against Direct Cash LLC, and they changed their name from directcashtx to Direct Cash LL in the transaction. I consider this an unwritten attempt to revoke permission to debit my accounts. I have since sent a written attempt to revoke permission and I am awaiting a response. I consider this act deliberate as I presume they would not try to debit my account with a different name had they thought my account was closed. 

I also received a private call on the day of or shortly after the transaction, at XXXX on XX/XX/2022. I do not typically receive blocked calls. 

I am on XXXX in the state of Texas. Their abusive tactics have led me to go without food ( other than family donated ), utilities ( other than paid for by family ), and have nearly caused me to be evicted due to not being able to pay the rent. The amount of stress imposed by this companies tactics has exacerbated my XXXX and led to significant decline in everyday function. 

I also did not receive a copy of my loan agreement and was pressured into signing without reading as the agent would remain on the phone call - akin to being hovered over while you read it.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (OH)

I turned in an auto lease in late XXXX. In XXXX I was contacted by phone by GM Financial stating I owed approximately {$420.00} as part of the disposition fee. I was surprised because at no time in over a year after I turned it in, did I receive any correspondence informing me that the account was still open and that I owed this fee. However I was offered an arrangement to pay half to close the account. I did, payment was sent and received. I have the letter from GM Financial and cancelled check for {$210.00}, the agreed upon amount to pay. 
Having thought the account was closed. I was surprised to receive calls again at work several months later stating that I still owed money. After explaining the agreed upon settlement previously paid, I usually received acknowledgement from the caller that the settlement info was found in my file and they apologized usually saying they would add that to my notes. 
I had not received any calls for a while until sometime during the week of XXXX XX/XX/XXXX, I received another call at work. After the same discussion, the caller said they would talk to their supervisor and get back to me. 
I was never contacted again before I began getting several notices through my credit monitoring services I had derogatory remarks and charge offs added to my credit report from GM Financia for {$210.00}, the amount they said they would waive in XXXX. I want to stress that at no time did I receive any written correspondence or bills, with the exception of the letter stating the agreement to pay half the amount in XXXX. I have always had excellent credit but these remarks and claims of unpaid debt- which are unsubstantiated- have significantly and negatively affected my credit score. 
When contacted, GM Financial said my account was in the process of being closed and to be patient. However, I feel like their way for closing my account was to charge off the other half they said they would waive, which is dropping my credit rating from 'excellent ' to 'good '.
Consumer complaint received 2022-10-10
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX  XXXX XXXX XXXX # XXXX, XXXX 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 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (NC)

My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for TD Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me.
Consumer complaint received 2022-10-10
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. (NV)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-03-15
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. (SC)

In accordance with the Fair Credit Reporting act, the following accounts listed have violated my rights : - XXXX XXXX  Account # : XXXX -US DEPT ED Account # : XXXX -US DEPT ED Account # : XXXX -DEPTEDXXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I rented a car XX/XX/2022, and checked on the Capita

l One Platinum Mastercard website guide to benefits PDF that I have rental car insurance, therefore I declined additional insurance.

A hit and run occurred on the rental, and I called to file a claim with Capital One ; they state they ended rental car coverage. 

The supervisor I spoke to XX/XX/2022 @ XXXX stated this is a problem that continues to occur. I am not the first person this has happened to.
Consumer complaint received 2022-03-15
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. (SC)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : -XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX -USDOEXXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-15
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. (SC)

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX -XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX -US DEPT ED Account # XXXX XXXX -US DEPT ED Account # : XXXX* -USDOEXXXX Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-15
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: TD BANK US HOLDING COMPANY (MN)

I received forwarded mail dated XX/XX/2019. The address that this mail is showing is incorrect, with my name on it. I do not recognize This account. Should be removed from the credit reports. I've tried to communicate with Nordstrom, and nothing has been done about this case.
Consumer complaint received 2023-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (PA)

I was an authorized user on my husbands Synchrony accounts with Paypal Credit and Paypal Mastercard. He asked to remove me since he has fallen behind, but they refuse, instead trying to ruin both of our credit reports. They kept saying they can not do so despite him telling them on recorded lines in front of me to do so.
Consumer complaint received 2022-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX2022, I have written a letter TransUnion and Informed them that following items on my credit report are inaccurate and they should be remove ASAP. I never received any corresponding from the TransUnion that they have initiated any inquiry. It has been 30 days since I sent them letter. Therefore, According to the XXXX FCRA the following unauthorized and unverified items must be removed immediately, since they are stopping me to getting into a home. 

1. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. TX XXXX Acct # XXXX 2. XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX. TX- XXXX
Consumer complaint received 2022-03-15
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. (TX)

I have notified Transunion that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. 


ELOAN/BPPR/AVANT XXXX XXXX XXXX
Consumer complaint received 2022-03-15
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. (IA)

The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through Experian # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I was scammed by a XXXX seller. I had sent a XXXX payment through my bank Truist on XX/XX/2022 at XXXX. I realized I was scammed and the seller was never going to send me the tickets I purchased. I tried to stop the payment through my bank app and there was no option for this. I immediately called the bank the next day to stop the payment. I waited on hold for over an hour and was told I would need to be transferred to the fraud department. I waited on hold again for XXXX and was told I needed to be transferred to the XXXX department XXXX The person who then answered told me I was transferred to the wrong number and it would be faster to just go to the branch and speak with a bank associate in person. I went to the bank and waited and hour to speak to an associate and he was not able to help me he told me he would have to call the XXXX department too and it would take over an hour. He gave me a direct line and I called and waited on hold for XXXX and XXXX mins. The XXXX rep told me they could not do anything until the payment posted. They indicated there was no way to stop the transaction. They told me to call back once it was posted and report it as fraud. I called back once the payment posted and opened a claim. I received a letter within days from my bank indicating the claim was investigated and closed as it was not found to be fraud. 
I was scammed and had no ability to stop the transaction. This is not fair, consumers should have the ability to stop a bank transaction before it is posted if they feel they were defrauded or scammed.
Consumer complaint received 2022-10-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-10
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC (CA)

My company signed up for a work poster from an online business, personnel concepts, in which they had a web deal for {$29.00}. After they collected the money, they called us and said that they had a gold service membership that we needed to join. after repeatedly telling them no, we asked them to send an invoice over as to reasoning why we needed to pay an additional {$270.00}. They are now insisting that we pay that amount, even though we never agreed, or wanted their service. Now they have sent me to collections after I refused to pay them. They are obviously an extortive, scamlike business, and the better business bureau has over 420 complaints on them.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NC)

No review was done and after several months Complaint/case I submited was closed with no explanation. I have complained to Mohela and studentaid.gov several times with no resolve. 

There are several ( multiple years ) months of payments I have made that are not showing up on my payment count with my servicer Mohela. I have submitted a document sent to me from XXXX that lists the missing months and payment amounts with no communication or resolve to the problem. This has been going on for over a year or more. I want to know why my payments are not being counted and how we get them counted. My employment with a public services agency has been verified for all of the months and years from XXXX.
Consumer complaint received 2022-10-10
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. (IA)

all three bureaus XXXX XXXX Experian and XXXX are reporting inaccurate information on credit report on this account open in XX/XX/XXXX by XXXX XXXX while experian and XXXX report date of open XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last report it stating as XX/XX/XXXX by XXXX XXXX while experian reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Date last active is reporting g as XX/XX/XXXX by XXXX experian reports XX/XX/XXXX while XXXX reports XXXX XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stating incorrectly showing the date of last payment was XX/XX/XXXX of XXXX while payment history is reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian is reporting consecutive charge off all the way from XX/XX/XXXX through XXXX XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment just those here its a huge mistake that is hurting my XXXX XXXX and holding me back from obtaining credit. There is no possible way that XXXX bureau can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. Theres no way that all three bureaus can be right if information is coming from the same furniture data. this account is only updating the date last reported pushing back the date it should fall off this is not acceptable. Delete immediately account is a total mistake itself
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/XXXX of this year my XXXX was acting funny. Slow, freezing skipping screens, etc. I called XXXX XXXX to find out if they could help or perhaps do an update to my phone. There were no updates available and suggested my phone possibly has been hacked. They recommended changing my XXXX ID password, which I did so promptly. 
I then looked at my online banking app and discovered all my money was now missing except for XXXX cents. I then called my bank ( Wells Fargo ) and notified them that there has been a possible hack on my XXXX and my banking app shows my account emptied. I asked if this could be a banking error. Wells Fargo informed me that they will close my account and will be checking into the issue. I never heard back from Wells Fargo at all. Within the next day I discovered my XXXX XXXX card had also been hacked. Multiple gift cards were purchased fraudulently. Unlike Wells Fargo, XXXX XXXX was a great help in this matter and successfully removed all fraudulent charges I. 
Approximately four days later I called Wells Fargo because I still had not heard back from them. They informed me nothing has been done about this and my account still remains with only XXXX cents in it. Approximately two days later I still has not heard back from Wells Fargo so again I called to find out what, if anything had been done. After being transferred 8 times that day I was finally informed still nothing had been done to my account. I explained I have been patiently waiting on my funds to be refunded to my account and to receive my new debit card in the mail. I was informed me there was not even an order for a new debit card to be sent to me. This made me very upset to say the least. A week later I finally received my new debit card. But still no returned funds in my account. To do this day Wells Fargo is doing nothing to protect my account or refund monies that they permitted someone to steal from my banking account on XX/XX/XXXX.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (LA)

I deposited a check for $ XXXX on XX/XX/XXXX. 

The check was held for 7 days until XX/XX/XXXX. On XX/XX/XXXX the XXXX factor authentication system failed and I was unable to wire my finds. 

I reached out to the company 3 times with no success. 

I then proceeded to used XXXX transfers to send my money. The online account was then blocked on XX/XX/XXXX and some of the XXXX transfers were also blocked. 

I tried to contact them via phone on XX/XX/XXXX as the email said : " To restore your access to your online banking service, you can reach us at XXXX, Monday Friday, XXXX a.m. to XXXX p.m., or Saturday and Sunday, XXXX a.m. to XXXX p.m. XXXX Time. You can also reach us by calling the number on your statement or on the back of your ATM/debit card. Please note that for security purposes, we will need to verify your identity before reviewing any recent activity. '' Despite this after spending XXXX hour contacting them, I was told they are not actually open on the weekend and that I needed to call back on Monday. 

I then spent over 5 hours on XX/XX/14 trying to get the account unlocked. Finally they unlocked the account. 

I proceeded with another XXXX transfer and the account was blocked a second time. 

I contacted them XXXX more times spending over XXXX hour on the phone and they refused to unlock my account. 

Now they are saying that I XXXX XXXX to the nearest branch to get my account unlocked. The nearest branch is XXXX XXXX away from my location. 


I have lost out on over {$8000.00} in investment profits so far. And I expect to lose $ XXXX week that I am unable to access these funds. 


Please ensure that the bank allows me access to my funds and also compensates me for my losses due to inability to access my funds. 

Thanks, XXXX XXXX