davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services (TX)

I have been getting phone calls from a company by the name of XXXX XXXX, saying they were following up on a claim filed through XXXX XXXX. When I asked questions they got rather hostile. Told me that I needed to provide credit or debit card information to clear my debt. Said that they were real company because they knew my social and address. What raised a red flag, was that he said he called my job at XXXX XXXX and then he said he know I also worked at XXXX XXXX. I never worked at any of these companies. He then said he was going to file something against XXXX XXXX XXXX XXXX  XXXX. I looked up websites for both XXXX XXXX XXXX and XXXX XXXX XXXX and came up with nothing. He said I had other judgments/civil cases against me, which I am well aware that this is public record. When I asked him where could I find this information he had no viable answer. They also have been calling my sisters phone to get in contact with me. The number they called from was ( XXXX ) -XXXX.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (TN)

Franklin Collection Service has reported a collection to the credit bureaus. They are alleging that I owe {$540.00} to XXXX, the supposed original creditor. I've never had services with XXXX. They placed this erroneous debt on my credit report which is tarnishing my credit worthiness.
Consumer complaint received 2018-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (CT)

In XX/XX/XXXX, my debit card was stolen and the person that stole my card used my account to deposit stolen checks ; leaving my account in overdraft. I spoke with my bank about the problem and they connected me with the fraudulent department. They closed my account and opened up a brand new one for me. About XX/XX/XXXX I had trouble getting access to my account. I spoke with the bank and they told me to speak with the fraudulent department again saying that my account is on no check status. Money was able go into my account, but I wasn't able to take any money out. The attorney on my case, XXXX XXXX, told me that until I pay back those overdraft fees of $ 950+, I will regain access to my account. I called my own personal attorney and filed a police report. They wrote a letter regarding my situation, to the bank, about fixing my account and nothing has been done since then. It is XX/XX/XXXX and I haven't been able to gain access to my account since XX/XX/XXXX. I have bills that are way over due now because I still don't have access to my account. My attorney gave me advice and told me to file a complaint with the Department of Banking so that they can help resolve the situation. The bank knew that there was fraud on my account but they're having me pay back those fraudulent fees, which I don't understand.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a capital one credit card on XX/XX/2017 and never received any more information other than that I had been approved for the card. Never received a card in the mail or anything. And now it shows up as a hard inquiry on my credit.
Consumer complaint received 2020-07-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (MI)

My XXXX  XXXX XXXX was totaled and I had gap coverage through the dealership. When it came time to get the paper from progressive to ensure that gap paid the remaining balance that progress didnt cover I couldnt get the information. I called the claim adjuster who was assigned to me as well as emailed him and I got no response. I went to the office and received no help. Now the balance is in collections on my credit with interest.
Consumer complaint received 2018-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (CO)

Secured a personal line of credit and personal loan from Key Bank to pay off credit cards. The credit cards were at XXXX XXXX. Key Bank sent a payoff check to XXXX XXXX XXXX, and there was an incorrect account number on the Key Bank payoff check, and so we had to cancel and reissue the check, which took two months, from XX/XX/XXXX to XX/XX/XXXX. Between that time XXXX XXXX   chose to charge interest and late fees, I tried to reason with XXXX XXXX, but they claimed they had no legal obligation to backdate the final correctly labeled check to XX/XX/XXXX given the the first check was incorrect from Key Bank. Key Bank said they would pay the remaining {$140.00} and some change that was the late fees being charge by XXXX XXXX  as a gesture to me a new customer. Key Bank said that they would handle the account from there to close the XXXX XXXX   accounts, and no further action was needed from me.

In XX/XX/XXXX I began receiving phone calls and emails from XXXX XXXX, saying that I had a remaining balance greater than {$400.00}. Saying that I never closed the accounts so therefore they continued to charge late fees and interest. I was very confused given I had been informed by Key Bank that there was a XXXX  balance. I filed with the CFPB for XXXX XXXX, and XXXX XXXX  said that they never received the alleged {$140.00} from Key Bank, and therefore the account was never closed. XXXX XXXX agreed to waive the late fees, acknowledging that this was not a deliberate delinquency.

I then have attempted to contact my local branch repeatedly to get some sort of evidence proving that Key Bank sent the {$140.00} to XXXX XXXX back in XX/XX/XXXX. The manager at my local branch informed me that the amount was sent electronically and therefore there was nothing she could provide for evidence. I have tried calling and emailing the local branch, and asking for contact information for an executive. The local branch has stopped responding to my phone calls and emails at this time.

I need Key Bank to refund to me the {$300.00} that I paid to XXXX XXXX this Spring, the remaining principle, plus interest, minus the waived late fees. I need Key Bank to amend my Credit Report - saying that I was under the false representation that the account was made XXXX, and therefore, the fault lies with Key Bank that my credit score is haggard due to the several transaction mistakes on Key Banks responsibilities.

1. the first check was incorrectly labeled and the subsequent late fees and interest accrued 2. The alleged {$140.00} can not be traced, seen, or acknowledged by either party.

3. Key Bank informed me that they would follow through on the account and that no further action was needed from me to ensure the account was handled properly.
Consumer complaint received 2022-09-10
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. (CA)

TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XX/XX/XXXX To Whom It May Concern, This letter is a follow up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorise, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX I did not authorise anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-02-21
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. (NC)

I have 2 accounts on my Transunion Report that I have disputed and requested that these accounts be verified and each time, the response is " verified '' but no documentation or explanation of their process on how they verified the information. These accounts are NOT mine and Transunion is reporting inaccurate information that is defaming my name and credit ability. 

1. XXXX XXXX XXXX XXXX opened XX/XX/2017 for {$1100.00} 2.XXXX XXXX XXXX XXXX ( Collection Account ) with XXXX XXXX XXXX as the original creditor for {$430.00} These are not my accounts and should be deleted.
Consumer complaint received 2022-09-10
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. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX  XXXXXXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-10
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: LOBEL FINANCIAL CORPORATION (CA)

Bought a vehicle at XXXX XXXX on XXXX XXXX XXXX XXXX a XXXX loan which got XXXX add to it plus the Lobel Financial Company in XXXX XXXX XXXX, they are local people who commit Fuard with other people and scaming consumer credit points, my account with invading my privacy as consumer citizen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with plus they fuardlu get me pull over almost every month for no reason XXXX XX/XX/2022. 
Put down a XXXX. 
XXXX payment XXXX Missed a payment in XXXX due car broken down XXXX car problems XXXX. XXXX second payment XXXX payment I made several complaints since the car broken due to app. Which cause the car thermostat explosion on and overheat and illegal internet hook in the truck vehicle which is why I surrender the vehicle.XXXX  call to complain Warranty which was Fuard and charge addition XXXX to loan, about how the car brakes, oil change and truck don't lock broken, tires need replacement. 
How there's a gps tracker and the bank or the dealer is putting my life in danger and sending people to stock me and harrass me and start problems Car had huge gas sucker XXXX in one day The car lights didn't work. The back brakes light kept going out. The car only came with push start no key to open door On XX/XX/XXXX tow yard pick up car and didn't wan to give any information about car They said XXXX will get the car so I went XXXX and tow yard and when I got to tow yard the car didn't start and once again the car was broken down N it was same problem as before I only had car 4 months headache This car got scratched the first month I bought then I experience no help with insurance company and made several complaint to insurance Nhow this ruin my reputable cause me trouble ruin my credit N causing problems The job and car loan and dealer. Are all in the same area and they all working against.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Please refer my previous complaint about my Citi account ending in XXXX. Today I received my debit card as well a letter. 
XXXX states that citi is automatically going to close the account. I started chatting with XXXX but chat was disconnected. 
As per the letter - not only this account but any other Citi accounts will be closed.
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (TX)

Regions Bank website says they will assist victims of Covid-19 With " Bank Fee Waivers '' Regions Bank does not assist with Covid-19 Victims. I was charged two {$72.00} FEES EACH. Again in my Deposit agreement it says for standard overdraft it's only {$36.00} However Regions is Charging well over that by charging {$72.00} per item. I did call regions for assistance explaining that I am victim of the corona virus and that these fees for {$60.00} in transactions has now put the balance at XXXX I am not paying XXXX Dollars in Fees. The Account is opted out of overdraft. I tried reaching a manager because regions lies online to their customers on their own website. Regions.com explaining that they will assist with Bank Fee Waivers and they do not. The Manager told me they assisted me on the XX/XX/XXXX for a Different fee and they will not be assisting me with anymore fee 's even though my account is opted out of Overdraft to  begin with and they are charging a fee greater than what is legally allowed by the FDIC. Regions never assisted me with payment assistance neither, Regions continues to lie on their own website and does not care about their customers. There Managers are HORRIBLE at customer service, the lady was screaming on the phone, she wouldn't escalate it to the Executive office and told me she doesn't care about customers of the bank.
Consumer complaint received 2018-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

ocwen is attempting to foreclose on my home with a fraudulent assignment. the assignment is robo signed and was conveyed after the cut off date of the trust filed with the united stated securities exchanged. i contacted them for a modification they sent a work out package i sent it back in as instructed by the relationship manager. i called them and they said they were reviewing for assistance. Nonetheless the didn't modify the loan and trying to foreclosure before even giving me an answer on the loan mod. this is dual tracking. i have a fraud affidavit on the assignments being used
Consumer complaint received 2020-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Aqua Finance, Inc. (PA)

I purchased kitchen cabinet remodeling services through XXXX XXXX  with the contractor being doing the work as " XXXX XXXX XXXX XXXX '', as a revolving credit account which was assigned for financing to Aqua Finance , Inc . I recently applied to refinance my home and was informed that Aqua Finance , Inc. is showing up on my records as a mortgage with a home improvement lien against my property. I was never advised that this would be the case or stipulation. I contacted Aqua Finance, Inc. and requested a release of lien letter and they will not do it. My welcome letter state revolving credit program, revolving credit account, credit purchase. Nowhere on my billing statement does it say anything about mortgage. 
I have no problem paying the account as a revolving credit account, and my account and payment status is current. 
I do however a problem with the lien on my property without my being advised, informed, etc., and nothing in writing that informed me of such. Please advise what can be done to legally to have Aqua Finance , Inc. provide me a release of lien letter as soon as possibele. 
Aqua Finance , Inc., XXXX, XXXX XXXX IL XXXX XXXX ext. XXXX Acct # XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2020-04-27
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD)

hello, i have a XXXX  XXXX credit card. my payments were not being updated on my transunion report. so i asked them to update my payments so my credit score could be updated. well in their investigation and conclusion they deleted my XXXX  XXXX account. the account is still active and being used. the deletion does not show on my XXXX  report, only transunion. i would just like it to be reinstated with my payment history returned to normal please. with them deleting it dropped my score significantly. i have been on the phone with transunion, who sent me to XXXX  XXXX, who sent me to my bank, who sent me to a credit specialist, who then sent me to cfpb. any help would be greatly appreciated.
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MO)

Tonight I had left my phone at a gas station near my home called XXXX XXXX. I accidentally left it in the aisle I was shopping in! I didnt notice I had even left my phone there for hours, once I started to look for my phone I looked EVERYWHERE and couldnt think of where it could be. Finally I realized I could have left it at the gas station, so I went there and I traced all my steps and found my phone in the XXXX on the thing that holds the chips. Anyways someone got into my phone and sent all my money but XXXX to someone I do not know! That was my babysitting money I earned XXXX! All the money I will have all week and weekend long. Cash app dont ever give refunds to anyone bc I got scammed XXXX time and they refused my refund. But this time someone sent money from my phone to someone I do not know. I dont know what to do about this situation but it has me sick to my stomach! Also I noticed when they sent the money to that person in the notes section is has my FIRST and LAST name! So now the stranger even knows my real name! Please help me get my money back. Please.
Consumer complaint received 2022-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

On XXXX I was made aware of a collections added to my credit report. The amount due is {$96.00} and the company was ARS. I wasn't made aware of this debt until it popped up on my credit report.
Consumer complaint received 2022-09-10
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. (PA)

This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help block the concerned items for they were found erroneous. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (WI)

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

This debt was charged off last year by XXXX and now a new debt collector has it and is harassing me. This was for equipment that XXXX did not pick up after we had moved and they were notified of move. This is ridiculous that they could pick a discharged debt and re prosecute me for this. It took 6 months to resolve this last time and now I have to go through this again?????