davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report. I have reviewed my credit report and have found multiple entries that are inaccurate and not reflective of my credit history. Please see the following items that require your immediate attention : XXXX XXXX Account Number : XXXX I have no recollection of ever having an account with XXXX XXXX . As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX  Account Number : XXXX I have no recollection of ever having an account with XXXX. As such, I can not update any information on the account as I have no information on it. I request that you remove this account from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

XXXX  Date of inquiry : XX/XX/XXXX I have no record of authorizing an inquiry from XXXX. As such, I request that you remove this inquiry from my credit report immediately. 

I would appreciate if you could investigate these items and take the necessary steps to remove them from my credit report as soon as possible. I trust that you will handle this matter promptly and professionally. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-09
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. Inquiry listed should be blocked, removed and suppressed for this are fraudulent and inaccurate. XXXX XXXX XX/XX/2022
Consumer complaint received 2022-02-09
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 I did not open any account on my own volition my information must have been recently leaked or stolen. Please close the account, and remove the inquiry from my account.
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2022, I applied for a payday loan through what I thought was XXXX XXXX Bank, at least that's where I was told they were from. The scammers I spoke with gave me false information and stated that they were depositing funds into my account that I would have to pay back via gift card to show a good faith payment. The funds were deposited ( through banking information that I did give out ) via mobile check. The mobile check cleared and I figured it was all a legit bank. I did then purchase the required gift cards to payback and gave the scammers all that information as well. More fake checks were deposited into my account and I had to go through the cycle again. On XXXX, I saw that the first two checks were returned, but was told by the scammers that this was because I didn't do things in a timely manner. I was also threatened at this point and told that I was going to have charges against me and arrested if I didn't continue doing what they told me. On XXXX, I stopped doing what they asked and at this point called the bank to let them know what was going on. Because I had been scammed and had given out all my information, the bank told me that they could not close my account. I had no idea that the checks were fraudulent and that they were being returned by the bank. I truly thought the scammers were pulling the money out of my account. Therefore, I had lost all the money from the gift cards and now my account is negative {$14000.00}. Under the advice of the bank, I was asked to open a new account so my paychecks could be deposited in that account and I could still use that money at least. My old account now sits at {$14000.00} negative, which I am desperately trying to figure out how to amend that, but my new account with a positive balance has now been frozen. I have not been contacted by my bank at all to get any information regarding my case and I now have no idea what else to do. I have filed reports with the FTC, FBI ( internet crime prevention unit ), and the local police department. 

I am desperately seeking assistance to just have access to my last two paychecks that were deposited, but I also want the public to know that this is a serious scam. I had no idea that " cleared '' The people that scammed me were at first extremely convincing with fake profiles and websites and then became very threatening. 

I have spent hours and hours and hours on hold with my bank to try and get through to talk with people about my case and I am told that I need to wait for a letter to arrive with their decision in 15 days. 

Finally, I want the public to know that even if a check clears, it can bounce up to 6 months later and could be returned. I also want the public to know that these scams are out there and to never give out any information no matter what the scammers threaten with. 

I have submitted all the gift cards and all documentation to my local police department.
Consumer complaint received 2019-02-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (CO)

To whom it may concern : I hope this message finds you well. I was a loyal XXXX customer for two years and always paid my balance in full. I never received any notification that I had debt with this company until I received a phone call from XXXX XXXX Debt Collection Agency in  XX/XX/XXXX stating that I owed XXXX  . This was the first time I was informed of having any sort of debt with this company and I immediately paid the balance in full. When I moved I had cancelled the service and was not made aware of any remaining balance. I have always been responsible and accountable for my finances and this mark is an inaccurate representation of who I am as a consumer. Moving forward, I would not want this wrongful accusation on my history to negatively affect my opportunities in the future which revolve around my credit score. 
Thank you for your consideration and attention to this matter.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

After graduating in XXXX with an XXXX, I had {$12000.00} in loans from XXXX. I was granted a year of forbearance while I looked for a job in the XXXX. Along the wy, I dived into enterpreneurship and tried o get a company off the ground with XXXX former XXXX classmates. Again.\, I approached XXXX XXXX for another forbearnce qwhile i tried to raise capital for a startup. I was out of work for two years. At the end of XXXX, I backed out of the startup company and worked at a XXXX company. My annual salary was {$17000.00} gross income.My XXXX XXXX account was taken over by a collection agency XXXX XXXX from Minnesota. XXXX told me that I had to pay off a reinstatement fee to avoid default. I called XXXX XXXX and they confirmed I was passed on to collection and that my account is now managed by XXXX. I followed through for ten months to payoff the reinstatement fees ( about {$1000.00} ) to avoid default ), then registered on the XXXX XXXX website to start making online payments and collect notifications via paperless. Upon opening the account, I see in red highlights that I had a minimum due of {$2000.00} + ( an accumulation of non-payments and late fees ). I was alarmed and upset that I was fooled to think that I could make minimum monthly payments of XXXX ( which is what I could afford with my cost of living situation ). Instead, I still owed a enormous payment and even deeper in debt. I wrote to XXXXNavient and sent an email for advice and help ; no response. I called and was put on hold for 10 minutes then lost contact. Sheer frustration and anxieties. I have lost hope and decided that I will pay what I can monthly and ignore the red highlighted minimum due of {$2000.00} in perpetuity, Navient now has taken over my account which has ballooned to about XXXX.Unlike Federal loans, I provided proof of income-depraved with my income tax returns to EdFinancial and have benefited on the Income Driven Repayment Plan. This made sense for people like me who want to pay based on the living wage, and not be penalized exorbitantly. The New York times article on NAVIENT lawsuit inspired me to tell my story and share the uphill daily struggle with financial institutions. I surely wish that there is hope for a solution.
Consumer complaint received 2016-05-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

XXXX XXXX XXXX XXXX Begin forwarded message : From : XXXXXXXXXXXX Date : XX/XX/2016 at XXXX EDT To : XXXXXXXXXXXX Subject : Complaint I had applied for a loan XX/XX/XXXX and was told that they could not approve me until I cut some of my debt down and they recommended that I speak to one of their credit counselor for additional assistance. I got some of the debt paid and also was at that time was in a court process for a company to get that balance off that I did Not agree with. After that I applied for another loan XX/XX/XXXX and got denied, I was confused. So I applied for another loan and was again denied, I called the contact center on XXXX and was asked why was I denied because I knew I got some of my debt down. The First Lady I talked to started reading off some of my credit report and this credit report was very different from my current one, come to find out they were using my old credit report started by the representative. She pulled my new report and sent it to a lender officer and approximately 2 1/2 hours they called back and basically said that I was denied because my credit report was different than the old one that they were using!!! ( Really ) .... So I said my farewell to that representative and called back an hour later to speak with another lender why I was denied a small loan. He preceded to say after he pulled up the notes, my current credit report and application stated that he was just as confuse as I was. He stated he was going to contact me back after he spoke to the agent who declined my loan. I received a phone call from supervisor who informed me that I was denied because of a 1. late payment on a secured salary advance loan, that is secured by my deposit and the only reason why I was late due to the fact of sickness and was out of work, but if that was the case they would not have approved me to get another secured loan 2. Because I had a XXXX collection account that they wanted resolve. 3. My current credit report did not reflect my old credit report that they were using the whole while I was applying for a credit. 

These were not a good answer for my denial and of course my credit file will be different especially when I was told by SECU lender officer to pay off some of the debt. I feel like I 'm being discriminated, because I took the advice and also to make sure I take better care of my credit! The denial reasons was bogus, some of the representative I talked to did not understand themselves why I was denied and neither do I. I was asking the supervisor XXXX XXXX and she gave me them denial excuse and say it because of security reasons I need for someone to clarify this mishap!!! The consumer protect act requires accurate and honest reporting, and my credit is just that accurate!!!
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Bank of America resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Bank of American to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Bank of America, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

A fraudulent credit card transaction ( XXXX ) was made to my Macy 's account while I was on vacation ( XXXX XXXX ). At this time, my balance was zero. I only use the card at Macy 's and use is sporadic. Due to changes in the Macy 's website I was unable to get online and check the account and had statements received electronically only. In XXXX, I received a new card from Macy 's, but was unable to verify the card due to problems getting online and could not activate the card until I called them. The card was activated, but I was told their was an unpaid balance. Since I had made no charges, I asked for paper statements. I called back to say the charges were fraudulent. I was told the charges would be removed while investigations proceeded and to call back and verify in ten days. Called back and they had no record of this call, so I started over and filled out their forms for fraudulent charges. Got a new card. Ca n't access most portions of the bank website, nor use the card for Macy 's transactions. Talked to tech support who indicated the account was locked. The XXXX statement balance was XXXX due to fees of XXXX the balance was transferred to the new card and the XXXX statement was XXXX. They credited the XXXX and XXXX of the prior interest and fees, and said I owed them XXXX in fees and interest that was not disputed. But these are related to the fraudulent charge. I have called and talked to XXXX individuals and sent XXXX secure messages, and written letter on XXXX XXXX, but they say they will remove these fees but never do. so the account remains locked and the card unusable. I HAVE NOT USED THE CARD SINCE XXXX. THE BALANCE SHOULD BE ZERO. I keep getting different numbers to call, all of whom claim to have fixed the problem but nothing happens. I have missed the holiday sales as a result.
Consumer complaint received 2023-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NY)

In XXXX, 2023 I got a Collection record from " First Credit Services '' in the amount of {$540.00} for a gym membership I never attended or signed up for. My credit report doesn't even state the original creditor 's name, nor the account number, had to investigate myself. I have reached out to the company, but was told that it was passed on to the collection agency and they " can't do anything about it ''. Filed disputes with credit reporting agencies with no avail.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I Been preferred customers with XXXX XXXX XXXX since XX/XX/XXXX. i used to have XXXX checking account and XXXX saving account ( XXXX joint account and XXXX personnel ) and XXXX XXXX XXXX XXXX credit card. 
basically i used XXXX XXXX XXXX for everyday life needs since XX/XX/XXXX. 
XXXX of my credit card ending with ( XXXX ) i sing up for a reward programs and i earn lot off point which is equivalent of XXXX $ it took me long way to rich this point ( i spent lot of money and time for it ). 
but suddenly in last XX/XX/XXXX .i receive a letter that my account will be closed by the bank decision. all my account was close i did n't have access to none of my account and i been told that i will receive a check for everything ( my money that i have in bank my funds ) but i never receive the money that accumulate in that reward XXXX $ til now ... 
i was under the shock trying to figure out why they closed my account after 7 years of banking with XXXX XXXX XXXX ... and i keep calling them to redeem my point to benift from the reward just to use it to pay my XXXX XXXX XXXX credit card. but i feel like it is not fair at all .they use the power to take my reward from me ... but i will stand for my right to get my right back. if they send me a checks for my funds they i had in my checking and saving account they should send me a check for my rewards. and they really XXXX a mess in my life cause i had all my bill set to my XXXX XXXX XXXX and i always had a good credit so they really make a mess in my credit reports because the closed XXXX credit account in the same time they really hurt me bad. since then i been paying my bank XXXX of XXXX XXXX i clear it out ( was payed off completely ) but i steel have a othere XXXX ( XXXX ) trying to finish to pay it all as well. so i really appreciate your help if you could help me to have XXXX send me a check or use it to didactic my credit card balence ( XXXX )
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Bank XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. XXXX, # XXXX, violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. The following inquiries were deleted and reinserted XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I called TransUnion and Transunion gave me a file XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report. I HAVE A SCREEN SHOT OF WHEN I HAD NO INQUIRIES ON MY ACCOUNT.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I applied for a loan modification which has been in progress for some time now, with select portfolio servicing, i have spoken to them in the month of XXXX, XXXX on XXXX XXXX. XXXX XXXX. XXXX and XXXX /16 regarding varies requested documents that were sent in and received the last person i spoke to was a XXXX XXXX XXXX on XXXX about XXXX ; XXXX in the afternoon, i was told that they had everything in that was needed, at no time was there ever mention that some thing was wrong or there was something missing, well today i got a letter stating that my file was closed because of missing documents and my home is set for sale on XXXX/XXXX/16. I really dont know what kind of games these people are playing nobody said anything to me about this all the times i called, they never called to say nothing just like that they closed the file, and the excuse was and they waited until a few days before the sale to tell me was my non borrower income provider didnt prove that he lived in the property even with a telephone bill, electric bill and a bank statement with his name and our property address on it select portfolio is full of it, this is nothing but XXXX, to take my home they make XXXX XXXX look like XXXX. ps I also included the dated letters they sent to show they are liars they never said nothing about the documents!!!