davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-08
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. (VA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-XXXX ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX 2. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 3. there is some inaccurate information reporting. XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 5. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 6. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 7. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 8. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 10. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is contracted with EDD for the debit cards there was a court order put in place by a judge stating that they are not to freeze or hold funds on cards however it has been nearly a year now since my card has been frozen by Bank of America they refuse to unfreeze it regardless of the situation I have contacted EDD and I have verified all my identifying information and everything is cleared on their end however Bank of America still refuses to allow causing me to be unable to pay my bills and have lost everything due to this
Consumer complaint received 2017-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nationwide Doc Prep Inc (NJ)

I was looking to consolidate my loans, and I found a company 's number that I thought was related to my loan servicer XXXX XXXX. The company promised that if I paid {$400.00} to have my loans consolidated than I would n't have interest for three years and after this three years, the government would subsidize half of the interest amount. I spoke with three different people from this company ( Nationwide Document Preparation ) and they all confirmed this. I inquired why consolidating cost this much money, because I usually thought it was free, and all three employees insisted this {$400.00} was to ensure that I would n't have interest for the first three years after consolidation. They knew my income and also assured me that with these interest-free years, they advise people making a certain amount of money to try and pay off the loans in their entirety during this time to avoid paying any interest later. Conversations with this company began mid-XX/XX/XXXX. I have an email from XX/XX/XXXX where I gave Nationwide my pay stubs and other information in order to fill out these forms. Once my loans were consolidated and transferred to XXXX, I noticed interest building and became concerned. I tried to call Nationwide Document Preparation and all of their phone lines had become disconnected.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I had an auto loan through XXXX XXXX for a XXXX XXXX XXXX. This loan originated on XX/XX/XXXX and was paid every time on time until the vehicle was totaled in XXXX of XXXX. The finance company erroneously reported my loan as being late for 3 consecutive months after the vehicle was fully paid off by my insurance company XXXX. I have contacted them directly several times about the incorrect late payment status & it has never been updated on any of my three credit reports. Thus has caused me irreparable damage to my credit score and overall harm to my credit profile. At this time I have no other option other than to ask for government assistance. From my attached screenshot of this item on my credit file you will see it has been disputed prior and I have a consumer statement saying that I disagree with the results.
Consumer complaint received 2022-09-07
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. (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 2021-09-03
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (AZ)

We are purchasing a home from XXXX who is using Caliber Mortgage to service the loan. At this point we have been in the process for 4 months. This is a VA loan and my husband is the veteran. Essentially they have had our finances as a XXXX  and us because we can not do anything. We have signed so many closing disclosures that I can't keep count. They can not get our down payment straight and have jerked us around and all over the place. XXXX underwriters have done everything that they can to help us. Caliber underwriters have kept us from closing for months now. It seems they don't want to close the loan. Luckily XXXX has allowed us to live in the house so we aren't homeless.
Consumer complaint received 2017-06-19
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: MIDCOUNTRY FINANCIAL CORP (IN)

I mailed a letter to Heights Finance Corporation on XX/XX/XXXX about an unauthorized inquiry on my XXXX credit report from their company. I suspect this is fraud. I asked them to remove the inquiry in addition to forward any documents that showed an application of credit from them. 

The company sent a letter back, dated XX/XX/XXXX, saying the inquiry was as a result of an application from XX/XX/XXXX, which I did not do. They failed to send any documents to support their claim. 

I requested the inquiry to be removed from my credit report and they failed to do so.
Consumer complaint received 2016-04-12
Product: Bank account or service — Cashing a check without an account
Issue: Problems caused by my funds being low — 
Company: NAVY FEDERAL CREDIT UNION (VA)

XXXX of my Navy Federal checks was stolen from my check book and cashed for {$1500.00} at the XXXX XXXX on XXXX XXXX, 2016. The XXXX XXXX aloud someone without an account to walk in and cash the check. There was not enough money in my account to cover it, which should have been red flag. Navy Federal is saying I am at fault because the signature on the appears to be minds. There was some canceled checks with my signature on them in my check book at the time the check was stolen. I reported this issue to the police and was told that anyone with a cell phone can take a picture of a signature and superimposed it on any document. Navy Federal is refusing to refund me the money.They aloud some to walk in who does not have an account and cash a check plus there was not enough money in the account to cover the check and no one asked any questions.
Consumer complaint received 2021-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I won a big settlement lawsuit for my child i opened a CD Block account as order by the judge and the state of California with the highest interest rate. this was in XX/XX/2005. My child was a child as time went by the bank has done some unethical practices that i've ever seen. The bank has misspelled my daugther. and illegally took her the account with the proper notice and judge order. they allowed my ex husband to go and change the address without notifiying me or judge order and he's not even on the account. The bank took off the highest inrested rate as order and the bank failure to notify me or my attorneys and without the judges order. And its been 16 years and my child is XXXX now and i went in to switch the blocked account over to a trust account as order. And the bank said my daugther is my sister and taken off the account without notifying me, or judge order. The account hasn't grown in 16 years the lowest ever interest and i'm so angry
Consumer complaint received 2021-01-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/2021 ... I attempted to remove the rest of my unemployment into another account. According to the number I called my account is closed and I am unable to receive my funds. I have spoken with an agent at detr and sent my drivers license in. Bank of America has yet to notify XXXX  of fraudulent transactions and I have never filed a complaint on this card. The card I had prior to this one was deactivated and I have received a new one. This was months ago when that occurred.
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2017 I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 30 days and nothing has been resolved at this point. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX XXXX XXXX called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( capital one ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.
Consumer complaint received 2019-03-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TX)

2009 I applied for financial aid through Sallie Mae and attended XXXX XXXX in XXXX Texas. Upon completing my diploma, i started paying my loans and had payments of XXXX $ a month which was doable. 2 years later, i applied for financial aid to attend more classes and went on deferment due to being in school. While on deferment, Sallie mae transfered all of my loan information over to Navient and it has been a nightmare every since. Navient continues to raise my payments without my knowledge, putting me on some fast track program where they raise your payments by XXXX $ a year for me to supposedly pay it off quicker which I explained to Navient that I can not afford to pay the amount they given me and that they were causing me to be late and continuously go into forebarance because I can not afford to pay the monthly payments.Mind you, these loans have been out for 10 years now and I owe more money to Navient then the original price of my loan with was XXXX $ and is now XXXX XXXX after paying on it. I feel trapped and like I will never be done paying this loan and going into debt when I do try to pay it. I just do not understand why they felt they could raise my payments to an amount I had no way to pay as if they were dooming me to fail by going delinquent.
Consumer complaint received 2019-03-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

Diversified Consultants is reporting on my XXXX, XXXX , & XXXX credit reports that I owe them {$470.00} for a collection. I've never done business with this company, nor have I ever signed a contract with them. I've contacted them & asked that they produce documentation & was told that they don't have any documentation. This company is hurting & ruining my credit worthiness with their deceptive practices. Are they even legally licensed in my state to try & collect on false debts?
Consumer complaint received 2017-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money
Consumer complaint received 2024-02-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (KY)

I filled a complaint with the FTC about the fraud on my account XXXX. 
On Saturday I paid {$46.00} and some change for furniture that was on a fraud XXXX account that I found scrolling through XXXX I thought I was purchasing furniture on XXXX it looked legit, I paid and received a receipt and order number, I called XXXX Monday and they told me that order id does not exist, and asked if I purchased on social media I said yes and they told me that I been scammed and that this has been an issue for quite some time. Now I'm stuck trying to receive my money I contacted cash app and told them of this and they refuse to do anything about it and even told me that there's nothing they can do except for me to call my local authorities, I have even told them I filed a complaint with the FTC, on cash app the company that got my money is XXXX XXXXXXXX and it shows it as a store, well I have not received any Will not receive the goods I have ordered because that company was pretending to be XXXX and now I'm without {$46.00}
Consumer complaint received 2017-08-30
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. (CA)

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX  TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME.
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE.
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE.
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND.
APPRECITAED
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENT, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS MADE A MISTAKE AND ONLY ONE PAYMENT WAS NOT SENT ONETIME. 
I TRIED TO CALL THE XXXX XXXX. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARK FROM MY CREDIT REPORT I NEED TO REFINANCE THIS HOUSE. 
MY RECORD IS SPOTLESS EXCEPT THAT TINY TIME WHICH I WAS NOT AROUND. 
APPRECITAED
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (VA)

My phone was stolen XX/XX/XXXX of this year, 2024. After stealing my phone said individual took out {$1500.00} from my cash app and sent the money to there own account. I reported the crime to the police and do have a police report number. I made a dispute with cash app over said {$1500.00} and the said they would investigate, days later I get an email stating I authorized said money transfer when I in fact did not. This inturn has left me in a financial bind, made the paying of various bills and things hard, and with all my miniscule savings being cleaned and drained by the thief, I am highly disappointed, upset with cash app, and I would like to know what happened to the FDIC? If this is the best protection given by a bank or best insurance you have of your money, I refuse to ever use cash app or there services again. I want compensation for my money stolen and unauthorized.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Background report stated that a former name of mine was previously XXXX XXXX. My mothers name is XXXX XXXX and I have no association with that name whatsoever and I want it removed from my report
Consumer complaint received 2021-01-31
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZuntaFi Corp (MI)

On XXXXa company called ZuntaFi said I had a coborrower requesting a payment of {$90.00} to be deducted from my bank account. 
On XX/XX/21 ZuntaFi indicated fake tax documents were ready for me to download serviced at XXXX On XX/XX/21 I have reported this fake company to the local authorities and emailed them back to please stop harassing me
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX, I applied for and was approved for the American Express Business Gold card. The public offer available on the website stated that I could earn XXXX rewards points if I spend {$5000.00} in the next 3 months for my business. I did that. From multiple chats and complaints to the company, I still have not received my award. They say there was no award available at the time. That is false. I have a screen shot of the award I applied for. Now, XX/XX/XXXX, they say I'm not eligible for having this card in the past. I've never had this card in the past. They are now saying I failed to meet the offer of the terms, but I have read the terms and met all of them. They won't tell me which terms were supposedly not met, yet their representatives all agree I completed the spending requirement. Chat rep supervisor XXXX on XX/XX/XXXX says he can have someone contact me to tell me why I didn't get the bonus, and I requested this be sent to me in writing with a citation of the exact term in the requirements and an exact explanation of how I didn't meet this term. Reference for Amex is XXXX for your reference.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (FL)

A customer at a market event sent me {$50.00} for a purchase she made on XX/XX/24 using Cash App. I attempted to access the money, and cash app asked for identification, banking info, etc .... Since then they have sent several reminders for me to access the cash. I have now provided them with the requested information, but when I click on the " Accept Payment '' button, it directs me to download the Cash App application which I have done several times. After opening the application the payment is not showing up. I had lengthy discussions with Cash App representatives, but they claim not to be able to identify the transaction despite their emails to me requesting information and advising me that I could " Accept the Cash '' until XX/XX/24, which I have been unable to do using their system. They said there was nothing more they could do and said the customer who paid me would have to call them, which Is not an appropriate response- they should be able to identify the transaction with the information provided so that I can access the payment.