davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

On  XXXX / XXXX / 2017  I had my ba nk ( Santander Bank ) crea te a Cashiers Check in the amount of $   XXXX for   XXXX   XXXX  so I could invest towards retirement.  XXXX   XXXX  did not cash it because the because the bank put "  XXXX   XXXX  '' instead of "  XXXX   XXXX  ''.   XXXX   XXXX    XXXX   office in  XXXX   XXXX , California tried to send the check back on  XXXX   XXXX , but it was lost in the mail, and we have not received it back. We attempted to have our bank cancel the check and they said they are unable to do so until they have the original in hand. Our fear is that some malicious actor  may get a ho ld of it and attempt to cash it.
Consumer complaint received 2017-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

As of today, I have wanting to know the status. I called Bank of America. They are telling me they have to generate a decline letter on m y last MOD. I sent in all the RMA and new stu bs as requested. They are saying they do n't have them. I am working with them sending everything in. I feel that they dropped it.
Consumer complaint received 2022-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I ordered a copy of my report in XXXX  on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts which i believe were reporting in error. 

XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}
Consumer complaint received 2020-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (PA)

DISCOVER FINANCIAL SER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, DE XXXX By Mail Only their customer service would not help and take care of the negative inquiries reporting to your credit report
Consumer complaint received 2017-06-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (PA)

My name is XXXX XXXX. I bought a car at XXXX in XX/XX/XXXX. A XXXX XXXX XXXX. XXXX XXXX XXXX 2nd I had it the check engine light came on. Called them and they said take it to the shop. I did. So the shop wants to do a fog test and other things to find the problem. Now when I first called XXXX the guy said sure we will pay for it. Well then two days later I get a call saying they are n't paying for anything. So I said but the guy told me you would. She says well he does n't work for us anymore and she hung up. XXXX. So I have until XX/XX/XXXX to get car inspected. So I drive with the light on. Now comes XX/XX/XXXX and it does n't pass emissions. They told me that there is s hole in the top of the gas tank. So there 's a law in Pennsylvania, that days if you pay XXXX to try to fix the problem and you ca n't then you can get an exemption sticker. Ok I did that and now it 's time again and that say you ca n't do it 2 years in a row. They want XXXX and I 'm not doing that because the car is only worth XXXX and I owe XXXX they keep callinging me three times a day. I 'm not paying. They also said we might be able to help you fix the car. I said you would n't do it two years ago, your not going to do it now. So I 'm going let them take it. Credit is bad and it did n't improve. They made their money on me 10 fold. Please any advice is welcome
Consumer complaint received 2024-01-12
Product: 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: Block, Inc. (MO)

Purchased shoes online for XXXX at an ad on XXXX for XXXX XXXX  after getting the confirmation email from another website i was then aware of this scam and contacted cash app to dispute they told me to wait until the transaction clears and then they will assist me. After it cleared they advised they saw nothing wrong with the transaction, months later I still have no merchandise and my dispute is denied they advised me to contact the merchant. I told them they are not responsive to me. Cash app said they can email me a copy of my dispute results.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have two credit inquiries on my credit report which I didn't authorize and are a result of someone using my name and personal information. The two fraudulent credit inquiries are : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is reporting a negative mark on my credit report which was a result of identity theft. They sent me a letter stating they can not validate the debt, they have refused to sign a sworn affidavit stating that the account in question was mine and that they have a signed contract with my wet signature along with the wet signature from someone in their company.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2020-10-06
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. (NJ)

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Consumer complaint received 2017-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I made several attempts to obtain my credit report thru annual credit report.com but I was unable to get  XXXX  of my reports Experian and  XXXX . My conformation number for  XXXX  is  XXXX  report date was  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  address.  XXXX    XXXX   XXXX    XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX
Consumer complaint received 2017-06-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Federated Law Group (FL)

I am a XXXX and they are calling the XXXX saying that they need to speak to me about a debt that I owe. I have informed them to send anything that they believe that I owe on paper by mail. They have been told Do Not contact me at work or speak to my employer.
Consumer complaint received 2017-06-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (WI)

I sent Midland Funding a certified letter on XX/XX/XXXX stating this debt is disputed, and I requested validation bearing my signature that I am contractually obligated to pay them. I stated to them, if they could not provide me this information within 30 days of receipt of this letter, they must request that all credit reporting agencies delete the entry as per FDCPA 807 [ 15 USC 1962e ]. I also sent a follow up letter on XX/XX/XXXX. As of today XX/XX/XXXX they have not complied.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

Afni Inc is reporting on all XXXX of my credit reports as a paid collection. I paid the outstanding balance of {$460.00} directly on the orginal creditor website which was XXXX XXXX. XXXX is not reporting the debt to the credit bureaus. Since I am current with the orginal creditor and they are not reporting to the credit burreaus ; I do not understand how the collection agency who did not collect the funds from me can report this as a paid collection. 
I have tried to correct this by disputes on my XXXX credit reports. I also filed a better business Bureau compliant. All responses from Afni indicated this will stay on my credit report.
Consumer complaint received 2022-09-07
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)

I have sent XXXX letter for them to find out the original documents with my signature on it they never respond to me correctly the answer was from them everything was verified, and it will stay on your credit report
Consumer complaint received 2017-06-11
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (PA)

Received a call at XXXX XXXX on XXXX XXXX 2017 which woke me out of my sleep. Did n't recognize the number did n't answer. Caller ID had it as XXXX XXXX XXXX XXXX. Further investigation discovered that it was a spoof number for FAMS ( Financial Asset Management Systems ), a debt collector.
Consumer complaint received 2024-01-05
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. (VA)

We created a square account for our business a few months ago. We accepted our first payment using the square account on XX/XX/XXXX. Once we accepted the payment we received emails from square saying that we need to verify our business. We followed all the steps and were told we would have to wait until they reviewed our information before we are able to access the funds. A few hours later we received an email from square saying that they are deactivated our account because they are not able to support our business needs and that we will have to wait until XXXX XXXX XXXX  to get our money that is in our square account back. I tried to contact square because their reasoning for deactivating our account was very vague. I had to call from a different number that was on our account because they refused to answer when they recognized the number. I used a different number and the rep told me that she's unable to provide me any details because its against their policy to tell me the actual reason they deactivated my account and there's nothing they can do about getting me my money earlier. I tried asking her another question and she hung up on me and sent me an email basically saying that my account is deactivated. Her name was XXXX XXXX XXXX went to the XXXX website after and saw thousands of of complaints from other businesses that have went through the same thing as me and they're saying that square is refusing to help them. Square should have asked me to verify my business when I initially created my account, that way if they felt like they couldn't support my business needs ( for whatever their reason is ) then they could have deactivated our account then! But they waited until they had our money in their account and then they deactivated our account. I have seen many complaints from other businesses that say even after they waited the 90 days, they were still unable to get their money back from square. Some say they have waited 180 days and have still yet to receive their money. We are a XXXX owned small business and we are being treated unfairly by this company called square. This seems like a ploy to keep our money on their books to fund their own companies needs. We are a XXXX  owned small business, we can not afford for our funds to be held by a major corporation for no reason!! We have a business to run and without those funds we are at risk of losing our customers and our business. I don't care to do business with square anymore, i am not asking for my account to be reactivated, all I am asking for is to have my money that is being held by square to be released to me immediately! In the email they said that once our information was verified we would be able to transfer our money out, that was a lie. our information was verified then they deactivated our account and is holding our money our money hostage.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Financial, Inc. (VA)

In  XXXX  of   XXXX   I filed for a chapter  XXXX  bankruptcy which included Just Military Loans as a creditor. Just Military Loans continued to email me asking for payment and harassing me even with an automatic stay in place and after my attorney sent them the paperwork. Instead of updating the account with " included in bankrupty, closed, {$0.00} balance '', they sent the account to collections. The collections company  XXXX   XXXX   XXXX  has put a collections account on my credit report further ruining it when they should not have received the account in the first place. I contacted  XXXX  asking them to remove the account and they said they will not. My attorneys have contacted them showing the account was included in bankruptcy but I am continuing to receive letters demanding payment. I want this account removed from my credit report.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was charged on my capital one card for an order by some adult store online. I contacted Capital One who blocked the charge and card and replaced my card. 

The following week I received and order from this adult company but I told XXXX refuse it, so the driver took it back. It was NEVER opened and we don't even know what was inside. 

I got an email from this company but. not to my real email but to a XXXX that I have used in the past but do not use all the time. Regardless of this the company admitted to receiving the order back and claimed that they issued a credit. But I never got the credit, because Capital One refused the credit. 

I have now contacted Capital One XXXX times and they give me a different excuse each time. So I guess it is o for an adult store to charge my capital one card and I never got anything? No product or service? That is fraud!
Consumer complaint received 2022-08-10
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. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX oXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Consumer complaint received 2016-08-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

On XXXX XXXX, I XXXX XXXX tried to make online payment to Ally Financial online payment system. I received an error message stating site unavailable and to try again. I was nearing a 60 day late payment status but on the XXXX I was not 60 days late. After repeated attempts to make payment online, I went to a XXXX location and made a expedited payment to avoid a 60 day late reporting to my credit bureau and also because I was in the process of purchasing a new home. I Sent the payment of {$550.00} via XXXX around XXXX and as I normally do when I 've sent payments via XXXX , I would call the payment into Ally to advise them of the payment made and Ally would call XXXX and verify payment was indeed made. I called and spoke to a representative after payment was made and as normal, Ally Representative called XXXX and verified payment using the confirmation that I provided to representative. The representative then documented my account information with verification of payment. I then called ALLY on the XXXX XXXX, 2016 just to make sure payment was posted properly and to be reassured that I would not get a 60 day hit on my credit because this would indeed deny my loan. I spoke to an Ally manager - XXXX XXXX, who I express my concern about getting a 60 day late hit to my credit reports and she reassured me after I thoroughly explain to her with leaving any information out pertinent to the payment that I would not have a 60 day hit to my credit and that when ALLY reports, they report current status of account. I was hit with a 60 day, my loan was denied, my credit rating dropped and I after attempting to escalate this matter to the escalation manager, I 've only been told that a manager would return my call. No manager has returned my call and I have tried escalating this matter to the Ally Corporate offices only to be told that they would send information to Customer Service, but customer service is not being cooperative and at times unnecessarily rude. I am seeking to have all negative information that ALLY has provided to any and all of the XXXX credit bureaus corrected to a positive status at this point due to the XXXX, pain and suffering, and punitive and malicious acts of Ally. I am also requesting this to be escalated to a senior executive level and NOT to the unwilling and rude customer service department and I have been patiently seeking help from in the past. I have spent hours on the phone with ALLY which has been a complete waste of my time!
Consumer complaint received 2017-06-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Collection Company (LA)

I 've contacted this collection agency  Professional Collection Co. in writin g to provide me with documents supporting that I owe them {$760.00} for this debt in  XXXX  and you on  XXXX   XXXX  ,2017 and  have n't received any documents or feedback from the company but they falsely verified with the   XXXX   and   XXXX   that I owe the debt. According to FCRA by law they have to produce documents supporting their claim if I 'm disputing that this debt does n't belong to me. I have a right to validity of the debt and they have ignored my request. This is the second complaint and attempt to get a response from the company. I have n't received any information from original creditor neither upon request. My next step of action is looking into a lawsuit against this collection company and the  XXXX  credit agencies.
Consumer complaint received 2022-09-07
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. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account number XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (PA)

I have a credit card with Amazon for XXXX. I never recieved any written documents to dispute this account. The total on the account is invalid and I attempted to close this account with no success resulting in further late fees. I attempted to dispute this account recently when it negatively impacted my credit score and they wrote it off which I would lile removed.