davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (UT)

I made an offer on XXXX in the groups, that I would help buy a business for someone, as it's a networking business. I got one who said they'd love to do it they were just out of money from XXXX. messaged me her number. 

Me it was a permotion happening in the company network that people could be a founder. I was kinda in a hurry to sign people up because I thought it would be the best way to help them and their business. 

Anyway So she messaged me on and off, asked if I'd send the money so she could sign up. I've delt with scammers outside the united states do I ushally know when it's a scam. She is a united states citizen. 

Anyway I said I'll send it, I thought she was someone who did drugs in the past, but perhaps I'm wrong and I'm misjudging and I should give people a chance, as I said I'd help her. So I did I sent it, she said thank you gave a story about bottle feeding her little one, and said it's hard to text, so she'll message me when she's trying to do it. 


After that I patiently waited and messaged her about 4 times with no response, so I know she did in fact steal it. She has a XXXX page that has XXXX followers, and she posts pictures and other things each day, and interacts with people she knows. So I know she's a real account and real person. I just thought it'd be foolish to scam people if you do it through a real XXXX account. So she took it through cash app. If it goes to cash app they aren't going to do anything, even though they have her bank card and ssn, so it's ridiculous because I'm on XXXX and these people are going to steal from others knowing they can just get away with it. Now being at least carful, I did use an internet number to engage but if she got the business she'd find my real number there, as I'd be her branch manager. 

Her XXXX profile https : XXXX? XXXX
Consumer complaint received 2021-03-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Lenox Financial Mortgage Corporation (CA)

I entered the " Fast Track '' re-finance program with Lenox Financial, DBA Weslend Financial, XXXX XXXX. I was strung along for four months when they finally ordered the home appraisal when was to be reimbursed to be at the end of the process. I paid for the appraisal in XXXX ... in XXXX they were no closer to finalizing the re-fi and still could not give me a date for closer. I spoke innumerous times with XXXX XXXX my mortgage advisor who was also very frustrated and told me he would be leaving the company. He offered me the name of another lender and told me he would reimburse me for the appraisal fee of {$520.00}. I also spoke with the owner XXXX XXXX who too was apologetic ... he said they just had too much business. This certain looked like a bait and switch. I qualified for their " Fast Track '' program based on my excellent credit, income etc. I did everything timely. Just because they have too much business doesn't mean they do not have to live up to their part of the contract ... '' Fast Track '' re-fi! I feel five months with still no commitment to close is long enough for me to wait. I was very patient but do not feel that I should be penalized financially because of there failure to perform. Also I missed out on the better rates by wasting 6 months of my time with this lender. 
Thank you!
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VNU Group, LLC (CA)

I wa notified via mail that I had a payment due on an account. I did not request any products or services from this company. I contacted their fraud department and filled out their fraud affidavit as well as filed a police report. I forwarded all of this information to the company. USPS certified mail indicates that the company received this information on XXXX XXXX, 2017. There has been no further action from this company since.
Consumer complaint received 2017-06-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is my 2nd complaint for this company. I have asked for a debt VALIDATION with my ACTUAL SIGNATURE AND CONTRACT WITH THEM but yet they failed to provide me with the proper documentation. I do n't need a verification I NEED A VALIDATION OF DEBT. since they failed to provide with the correct documentation I am requesting an IMMEDIATE deletion from my credit report in all 3 bureaus as this collection is affecting my credit score.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I opened a Bank of America ( BoA ) account on XX/XX/2022. I deposited XXXX dollars cash at an ATM on XX/XX/XXXX, after I received my debit card in my mailbox. Then, I ACH transfered approximately XXXX dollars from another bank account of mine to BoA on XX/XX/XXXX and XX/XX/XXXX. Then, on XX/XX/XXXX, Bank of America closed my account, the reason was " fraud ''. They provided no further detailed reason. All the money is my legal money, and they even don't want to see my proof of income. The XXXX dollars cash is from my parents, and the XXXX dollars I transfered from another bank is my salary. I've tried their telephone customer service, visited them in a branch and talked with the manager, but none of them can tell me the exact reason my account is closed. I didn't do anything related to " fraud ''. Their telephone customer service XXXX told me that I would never be able to open a Bank of America account again.
Consumer complaint received 2022-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

I was trying to purchase a new puppy online from a website called XXXX. However, I never received my dog because it was fraud. The seller continuously communicated with me about the dog and even sent paperwork for me to sign insuring my purchase. I felt that the seller could be trusted so on XX/XX/22 I made the purchase of {$850.00} for the puppy through XXXX. The seller even made me name the reason of payment as " XXXX XXXX '', the name of the puppy. As soon as I was aware of the fraudulent activity I contacted my bank PNC to dispute the transaction. About a week ago, when calling to check on the investigation of my dispute I was informed that my use of XXXX had been terminated. Today I was informed that my dispute claim had been denied because the bank decided that my claim was " false ''. My XXXX should not be turned off, the seller 's should. I have hard evidence proving that my above statements are true and the bank should credit my account. The FDIC has regulations against fraud by wire and this person is in clear violation of them. The website is currently still up and another person could potentially be scammed by them.
Consumer complaint received 2021-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc. (GA)

I have already filed a complaint against XXXX XXXX XXXX XXXX  and this company is the debt collector for XXXX XXXX XXXX XXXX. My former spouse is responsible for my son 's health insurance and health expenses were to be charged to my son 's health insurance per our divorce decree. XXXX XXXX failed to charge my son 's insurance company that is the responsibility of my former spouse. As such, this debt is not mine and should be immediately removed from my responsibility and credit reports.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

5/3 bank is putting unjust holds on my account claiming that by using the ATM I could be committing fraud. They are putting unjust amounts of time on holds for local banks causing the account to overdraft and not allowing access to funds in a business account that is used to by product for customers.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent numerous disputer letters to XXXX, TransUnion, and XXXX to remove all inaccurate information like wrong name, wrong address, inquiries, accounts and public records. 
My name : XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX. XXXX, TX XXXX My DOB : XX/XX/XXXX Last 4:XXXX XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH XX/XX/XXXX XXXX US BANKRUPTCY COURT-FORT WORTH
Consumer complaint received 2017-06-09
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. (FL)

The credit bureau is not supposed to be reporting an  XXXX   XXXX  account on my credit report. The account number is "  XXXX  ''. They told me they would send a request to the  XXXX  credit reporting agencies to have this account removed from my record completely. I was also sent a letter back in  XXXX  directly from  XXXX   XXXX  confirming that they had already sent the request for deletion. I am including a copy of this letter from  XXXX  along with this complaint. I just had my credit pulled and I was turned down because the credit bureau is still reporting this account on my credit? Why has this not been removed from my report as promised?
Consumer complaint received 2020-01-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full
Consumer complaint received 2017-06-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: AAA Auto Title Loans, LLC (AZ)

On  X/XX/2017     Cash 1  in  XXXX , Arizona withdrew unauthorized amount of {$58.00} by writing a random check number to use to take money electronically out of my bank account. On   XXXX    , this same company also used another random electronic check number to withdraw {$58.00} out of my bank account.
Consumer complaint received 2024-01-04
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. (TX)

I was gettin my nails done and when it was time to pay it didnt go through and the cashier said maybe you need to turn your card on. I looked at my account. 

XXXX $ {$20.00} {$200.00} {$100.00} {$100.00} {$30.00} {$10.00} {$10.00} XX/XX/29. {$13.00} Even after I locked the card they still tried XXXXXXXX XXXX 7 times but since the card was locked it failed. The most part happened in XXXX XXXX Ca, and I live in XXXX XXXX Texas. 
The people in cash app declined the charge and said I made the transactions, why would I byes cash app when it could come directly from my bank account. My bank is XXXX XXXXXXXX XXXX
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I bought this house on XXXX XXXX in XXXX Mississippi in XXXX. XXXX shows a purchase date of XXXX. This is taking away 10 years of my credit history as I'm trying to buy a new home. XXXX says that I have to locate my paperwork from XXXX to prove that was when I bought the house. I bought it in XXXX and not in XXXX
Consumer complaint received 2017-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called th em ( after 30 min on the phone ) finally got access to my account. Put in new info, it did not take the info e ven though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my credit score  XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MN)

I have a credit card on file with XXXX XXXX  that is eappearing my credit report through Experian. The account was closed I believe in XXXX or XXXX. It should no longer be on file yet it says that it will be until XXXX. That account was paid in full and should not be on my account.
Consumer complaint received 2017-06-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

A bank levy was placed against me in the amount of XXXX. Apparently, midlund funding won a lawsuit against me in XXXX. I did n't even know the lawsuit was happening, due to never being served. ( They served an address I Never lived at ). The original debt is in XXXX XXXX and 14 years old. I  live in XXXX, and am unsure as to the company I owe the money, and the amount they took out of my bank account can not be proven. This company is breaking the law, and getting away with it, and it 's not right! They have ruined my plans, and now I 'm stuck filing papers with the court in XXXX XXXX  and I 'm still missing XXXX. They have legally stolen from me!
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 

I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AZ)

I opened a XXXX XXXX credit card so that I can build credit history. XXXX XXXX advertises that they report monthly to all three of the credit bureaus to help build credit history ( see attached Advert.pdf ). Since opening my XXXX XXXX account in late XXXX, I have not had accurate reporting to any of the three credit bureaus despite maintaining excellent payment history ( see multiple Statement.pdf files ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Accounts.pdf ). For Experian, I see the account is closed, reporting negative as " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX, or XXXX '' ( see Experian Accounts, Inquiries.pdf ). For XXXX, I see no mention of XXXX XXXX in my credit report ( see XXXX Closed Accounts.png and XXXX Open Accounts.png ). I have contacted XXXX XXXX several times via telephone regarding this issue, and they mailed me a letter regarding the completion of their investigation ( see XXXX XXXX 3-4 Reporting Correction copy.pdf ) However, this did not solve the issue, so I sent a letter to XXXX XXXX including my reports, and highlighting the errors ( see Letter to Credit XXXX 3-4.pdf ). I received a letter back from XXXX XXXX regarding the reporting issue stating there was no reporting issue, and to sign the bottom ( see XXXX XXXX XXXX 3-31 Letter copy.pdf ). I have even attempted to dispute these inaccuracies with the credit reporting agencies, and to no avail.
Consumer complaint received 2017-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP (CA)

On the morning of Friday, XXXX XXXX 2017 I cashed a small check at the US Bank branch inside of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The teller took my ID and searched her computer for my account, spending what felt like far too long clicking around on her screen, then announced, How strange! You dont have overdraft protection on your account. Its a free service. Im not sure why you dont have it. I explained that I had just been bumped from Private Client services a few months back, perhaps basic checking features got lost in the shuffle when my account type changed. She proceeded to cash my check and ask me questions to verify my address and phone. Then a second gentleman who conducted himself more like a branch manager arrived with bundles of XXXX and XXXX for her drawer to fulfill my cash request and began to explain to me the features of my new line of credit. <P/>Wait, what?! Overdraft protection involves opening a line of credit? I was incredulous, You were about to open a line of credit in my name and mask it as helping me set up overdraft protection? The manager apologized and explained that he could see how this was confusing since most overdraft protection does not involve credit. He tried to further convince me by insisting that the credit inquiry would pay off with the added security I would enjoy. <P/>Now I was infuriated and feeling absolutely defrauded. The term overdraft protection is understood by consumers only as a courtesy feature of a checking account, not a mechanism to access borrowed funds. The feigned helpful tone and misleading language used to push a line of credit made me sick to my stomach ( and reminded me of XXXX XXXX ). <P/>A few hours later after logging in to the US Bank website I was assured, You Automatically Have Standard Overdraft Coverage. This also meant that the teller flat out lied to me this morning. <P/>I wrote and submitted this complaint to the Consumer Financial Protection Bureau in the hopes that others are not subjected to similar predatory marketing practices. <P/>Regards, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I went to a atm and made a deposit of XXXX, the atm glitched and said I needed to call the bank. It did Not deposit any of the money nor give a receipt. I called the bank while still sitting at the ATM and was told not to worry they will open a case and refund the money. I received a temporary credit right away and that that was the end but no. I received an email a few weeks after stating that my claim was denied for XXXX and I could call and request the evidence that was used to determine their out come. I called right away and was again told not to worry and they XXXX would not be deducted from my account and they will escalate the issue. I received the evidence but it was just letters I had already received stating my claim was denied. Today not only was the XXXX removed from my account but also an overdraft fee of XXXX. This bank is clearly stealing my money!! All the have to do is count the money in atm the day I made the deposit. I was told not to worry the funds would not be removed from my account but they were. The rep lied to me and the bank stole my hard earned money. I keep calling the bank and they said there is nothing that can be done
Consumer complaint received 2017-06-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

We entered into a Loan modification with our Mortgage lender Select Portfolio Services On our home 2 years ago. We were told to not make a few payments before they could start the loan modification. For 2 years they denied us but then let us appeal. Every time we would appeal we would have to resend all of the paper work in again because they misplaced everything. We did this around 12 times over the coarse of 2 years. Our house has been in a constant foreclosed state. We have not made any payments because we were afraid we would loose the house. We were just notified that they denied our Loan modification because the process has taken too long, which was not our fault, but would reinstate our old loan We only had 2 weeks to agree to the new terms or we will be foreclosed upon. The new terms are ; They doubled our payments so instead of {$3000.00} a month now it 's {$6000.00}. The whole reason we did the Loan Mod was because we could n't afford the old payment. Also they want a baloon payment of {$85000.00} in one year. Is this even legal?? These terms are rediculous and we can not afford this and are going to loose our beloved home of 26 years we have raised XXXX children there. They have forced us into foreclosure and we can not get a new loan because of back payments. Please help as the deadline is today. Sincerely XXXX
Consumer complaint received 2021-09-03
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. (TN)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-06-09
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. (NC)

XXXX   XXXX   XXXX  is reporting inccorect information cncerning my auto loan account. They have change my status on the account several times once being contacted concerning the mistakes reported on my Transunion,  XXXX  and   XXXX   credit porfiles. Each profile is stating different information and I have documentation to prove that the information is incorrect. I have placed several disputes against this company and they will make the corrections  for about seven days and then automatic report the incorrect information agin.