davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Hello there, XXXX I went to the bank to deposit my paycheck. I am not on direct deposit currently, so in order to receive direct access to my paycheck, I have to manually cash it and deposit it into the ATM. I cashed XXXX checks for a total of {$2100.00}. I went outside and deposited the money into the ATM. The machine was having difficulty in terms of time, it rejected several XXXX dollar bills, I redeposited them again and the sum came up to {$1300.00}. Seeing this as an obvious error, I asked for the cash to be returned and it returned {$1300.00}. This was {$800.00} dollars short of the deposit that was XXXX percent {$2100.00} straight from the bank teller. I immediately called customer service and it was a very robotic and scripted response. With that big of an error, I went inside and asked the bank to shut it down and call for a count. They refused to do so and the response was that they were going to research the incident and that I would not be guaranteed my money back. This is illegal and frustrating and I need help. 

The Incident occurred between XXXX and XXXX pm on XX/XX/2023 at the ATM at the Bank Of America at XXXX XXXX XXXX in XXXX, TN, XXXX. I have called relentlessly because that money is too much to let go and puts me in a compromising position financially. They had a large lack of empathy in dealing with the issue and i need some help with this situation. I have already had to alter weekend plans because of this error. Thank you very much in advance for any help and consideration for this matter. 

XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (CA)

I have a collections account on my report from XXXX XXXX XXXX XXXXXXXX for {$100.00}. They are not licensed in the state of California to pursue debt. 
I sent a debt validation letter on XX/XX/24. It has not been 30 days and have not received a reply as of yet. Thats not the problem though. I just discovered they are not licensed where I live, so any current dispute is unnecessary.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.
Consumer complaint received 2020-08-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (OH)

This is not a duplicate complaint - Please do not treat it as such. 

Consumer Financial Protection Bureau Complaint For : XXXX XXXX RE : Lendmark Financial Services Credit Reporting Desired Outcome : Removal of negative reporting on credit report Situation resulting in complaint : Due to a deficiency in payment, Lendmark Financial was awarded a garnishment for loan balance unpaid. 
This balance was paid through XXXX XXXX employer XXXX XXXX via wage garnishment twice monthly from XX/XX/2020 to XX/XX/2020. 
Inaccuracy of account information : During the successful payment of the wage garnishment and preceding judgment process, Lendmark constantly reported loan balance information incorrectly to credit agency. 
Lendmark has reported non-payment during successful twice monthly payments via garnishment. 
Account was changed to Charged Off during the payment process and remains as such. 
Payments were completed. Despite this, Lendmark has reported that there is a remaining balance due of {$210.00} Examples : XX/XX/XXXX Court filing balance : {$3700.00}, despite reporting a balance of {$3800.00} to credit agencies. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$840.00} payment ). Began reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$2000.00} payment ), and continued reporting as Charge Off. 

XXXX reporting balance : {$3600.00}, reporting as {$0.00} payment ( despite {$1600.00} payment ), and continued reporting as Charge Off. This month completed the full garnishment payment. 

XXXX reporting balance : {$210.00}, reporting as {$0.00} payment ( despite full payments completed in XX/XX/2020 ), and continued reporting as Charge Off. This was despite a call to the office from XXXX XXXX notifying the balance had been paid. 

Lendmark has sent XXXX XXXX a paid in full contract and refund of over payment in the amount of {$300.00}, despite reporting a balance due of {$210.00}
Consumer complaint received 2021-08-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CO)

I couldnt open any bank account they said because of consumer report Im wondering whats wrong with my credit report and Im sure theres no debt in my credit report history as long I know I was clean and now i cant open bank account so please if can help to know whats going on with my identity I appreciate Thanks
Consumer complaint received 2021-02-22
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: JPMORGAN CHASE & CO. (GA)

XXXX XXXX, XXXX XXXX XXXX, and Chase are three companies that are reporting inaccurate information on my credit report. 
I have stated that accounts from these banks were generated because of an identity theft crime. To make my position clear, FTC 's identity theft report and police report were submitted to the credit reporting agencies and to the creditors. 
Also, I requested the following documents to be provided by these creditors to verify accounts ' information. 

1. A written contract and agreement between the creditors and me.

2. Original copy of the application of fraudulent accounts that are being reported on my credit report.

3. A statement from the person who witnessed and approved these accounts to be opened in my name. 

Even though the request was made to review these documents, the creditors basically ignored my demand and continuing to post accounts that are not mine. 

The fraudulent accounts ' information that is being posted on my credit report is, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX JPMCB CARD XXXX For the record, many different names were used to created fraudulent accounts.
Consumer complaint received 2022-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2018-04-01
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. (NY)

I did purchase a car in XX/XX/2014, as a Creditor/Entitlement Holder/Registered Owner, I did did send them a Conditional Acceptance upon Proofs of Claim to XXXX XXXX XXXX XXXX, giving them 30 days to submit their claim/validating the alleged debt, they never did. I did issue an Affidavit of Notice of Default, right after that, they stop sending statement. Further more I did send them an Optional Form 91 to release the property from escrow, they never reported the account properly, instead they have it listed as a charge off on all 3 credit bureaus. XXXX XXXX XXXX XXXX did also receive a bill of exchange in the amount of {$40000.00} and, they never correct the reporting nor try to repossess the car.
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Flexible Finance, Inc. (TX)

This company has continuously charged random monthly membership fees of {$14.00} without authorization when the account was placed on pause and after being told the month prior on ( XX/XX/XXXX ) that they were experiencing system issues and that I would no longer be charged, in which I was refunded back my {$14.00} on XX/XX/XXXX ). I then received two {$14.00} membership fees on my debit card on XX/XX/XXXX, then was told I had a remaining balance and thats the reason for the charge and they will not refund or cancel fees until balance iao {$470.00} is paid in full. Supposedly my account was sent over to collections ( no notification ) and that they would reach out to me about setting up payment arrangement. Ive tried communicating with their company multiple times in regard to a balance due but have gotten no reply or email response.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NV)

XX/XX/XXXX and  XXXX  I earned  XXXX  with shift gig ( an app that schedules jobs at the convention centers for people like me ) I called pay pal around  XX/XX/XXXX  and asked for my account number/routing number for my existing account and she gave it to me ( it ended up being an incorrect acct number.
See Email Attachment but below is what  XXXX  sent to me before he started denying that I called and that paypal gave me an incorrect account number.
incorrect acct number  XXXX  correct account number  XXXX  {$140.00} See attached Email conversation for the details but this is the first letter  XXXX  sent to me..
Dear  XXXX , Thank you for contacting the office of President   XXXX   XXXX  . I am part of the Corporate Response Team and I will be assisting you with your concern.
I understand you have concerns regarding on your Netspend card account.
Although I have been unable to reach you, I wanted to apologize for the wrong information given to you about your deposit. We will address the agent involved. Due to your deposit posting on another account, you will need to contact the originator.
If you have additional questions or concerns, please do not hesitate to contact me at the phone number below.
Thank you,   XXXX   XXXX   Sr. Analyst, Customer Experience Netspend, a  XXXX  Company   XXXX   , TX Office :   XXXX   netspend.com
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, XXXX  In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : XXXX. XXXX : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX XXXX. Transunion : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. XXXX : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX, transunion and XXXX have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. XXXX, XXXX, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving XXXX, transunion and XXXX  a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging XXXX, transunion and XXXX a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately
Consumer complaint received 2020-06-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have asked for debt validation from Porfolio for Debt Validations since XX/XX/XXXX to present. I have certified mail receipts. Porfolio has not send me the the following information I requested : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also  violated. 
I am entitled per 15 USC 1692k Monetary remedies {$1000.00} per violation. Negative account must be removed and collection must cease per violations.
Consumer complaint received 2021-02-22
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: I.C. System, Inc. (NY)

Hello, I had disputed some accounts to be removed from my credit report by all three credit bureaus between on XX/XX/XXXX through XX/XX/XXXX. I have already contacted all three credit bureaus as well as the company that is reporting on the accounts. Please refer to the attachments. The original account names were I C SYSTEM INC| Account Number XXXX I C SYSTEM INC| Account Number XXXX XXXX XXXX XXXX / XXXX Account Number XXXX XXXX XXXX XXXX| XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to these companies stating that these accounts have nothing to do with me. They once again are charging me for it. I have sent proof and notarized letters to all three-credit bureau. Please help me out. I have reached out to XXXX XXXX  and XXXX. They are not wanting to help even with the proof that has been provided. I am even having issues with XXXX XXXX XXXX Account Number XXXX over my school loans, I attended XXXX XXXX from XXXX, they made me take put loans and even promised me internships and jobs but did not deliver. The school closed down and none of the credits are transferrable to other colleges. They even made my mother take out a separate loan, were still stuck trying to figure out how we ended up with multiple loans. Once again please help.
Consumer complaint received 2017-08-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.
Consumer complaint received 2020-05-14
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (MI)

Comenity Bank has been lowering my credit limit each time I make a payment on an account. Each time they do this, it lowers my credit score. Then they tell me that based on my lowered score, they are decreasing the limit again. This latest cut showed a credit score from XXXX and included lack of real estate as one of the reasons. I did not own a home when I applied, now, during a pandemic they are looking for home ownership as a criteria for a store card. 

This is an unscrupulous banking practice during a time when so many are facing severe financial crisis. I paid my account down to XXXX dollars and was rewarded with a limit decrease. This is a disgusting practice and consumers should have protections. Especially during this time.
Consumer complaint received 2021-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NJ)

XX/XX/XXXX Discover Financial was paid balance in full. 
Afterwards, small balance reflected and gained interest and late fees. 
All information of balance, statements, and phone calls went to wrong address. 
In XX/XX/XXXX discovered credit score has decreased consequently.

Paid Balance to settle account but should not report late from XXXX on and impact my score as I have had no awareness of such a balance. 
I have attempted to dispute with credit bureaus four times.
Consumer complaint received 2017-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (AL)

Tide water keeps removing and replacing account on credit file. They have the account with a past due {$760.00} balance with its suppose to be {$0.00}. They will remove it one month and replace it the next.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (AZ)

I got an alert today from a credit monitoring service with the following message.
 XX/XX/XXXX  Credit Negative information has been added to your credit report.
Activity Type : Delinquent Account Creditor Name : CONNS CREDIT   XXXX   XXXX   XXXX    XXXX , TX XXXX   XXXX  Industry Type : Home Electronics Sales and Service Amount Delinquent : {$120.00} Payment Status : Late 30 Days Account Number :  XXXX  Creditor Preferred Contact : Other This account was closed and sold to a third party in  XX/XX/XXXX . Conn 's does n't the right to keep reporting to the Credit Bureaus, therefore that 's a violation of the Federal Fair Reporting Act. Conn 's denied that they are reporting anything and blame the third party they sold the account   XXXX   XXXX   XXXX   XXXX    XXXX  When I spoke with this law firm the rep said that they does n't have the ability to report anything to the Credit Bureaus. CONN 'S has violated the FCRA.
Consumer complaint received 2020-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (TX)

On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : XXXX XXXX XXXX XXXX fax Demand Cover letter Name XXXX XXXX XXXX XXXX security freeze Dept Fraud alert Dept After explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my transunion, XXXX and XXXX file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.