davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

I sent money through Zelle on XX/XX/XXXX in the amounts of XXXX and XXXX. They said it would be refunded back to me and it has not. I have already contacted my bank. I have all the correspondence stating they would refund it to me.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (NY)

Hello here are a few details about the debt collection. 
I have been using XXXX XXXX service for the last 3 years or more, One morning a man stooped me and asked me to reconnect XXXX XXXX and I said their bill is higher but he said give me a good deal I responded I'm using XXXX can't cancel now than he said don't worry I send you equipment and whenever you feel good to install it and you will be charged from the time. So he sent that equipment box and I NEVER CONNECTED THE SERVICE and return the equipment box after a month, I couldn't return it because I was busy with my daily life, and they sent me the {$150.00} bill without using their single MB of internet. Which is unfair and their agent is a liar. I spoke to the XXXX many times about it but they just ignored my statement. I think they are doing wrong and hopefully CFPB will help me to remove this notice. Thankyou!
Consumer complaint received 2022-10-26
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. (IA)

I have repeatedly asked my mortgage company to report my perfect payment history since Ive had this loan ( 2011 ) when it was transferred/boughten by this current company all reporting ceased. Ive never Missed a payment or been late. Im the primary on the loan, however my ex husband is getting all the perfect payments history reported on his report monthly, which is fine ( we are both on the loan ) however I should most certainly be getting the reports of perfect payments since Im The one making them and I own the home.

The last communication with mortgage lender was today and I did as they asked, pulled my 3 bureau report and they are nowhere on that report. 

I Just keep getting the runaround with them.
Consumer complaint received 2022-10-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

Money was taken from my account by XXXX and sent to my boyfriend and when he tried sending it back to me with XXXX, XXXX won't let me enroll to recievce my money my bank or XXXX are not even trying to help fix this problem there is {$600.00} of my money that they have or know where it went too. I have tried with both companies and get no answer or help please help me I don't know where else to go to get help XXXX
Consumer complaint received 2020-09-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

wire transfer payment, person to person was made internationally to pay for tuition. 
The bank failed to provide disclosure as to fees charging and dollar to euro exchange rate. 
I have requested a recall of the funds From my bank, Bank of America, within 6 months from the transfer. I had explained the party the funds were transferred to, the business failed to provide services I had requested or was paying for. 
I was no longer a student and requested my tuition/money to be reimbursed, retracted. 
I provided documentation to bank explaining that I had tried to remedy the situation with the business I had paid and requested the refund from them. 
I provided documentation as to the payment was for and proof that I am not being provided a service which should constitute as proof that the services were not provided by the business that I initiated a payment to.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2020-08-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (FL)

On XX/XX/20 I applied for a VA refi loan from LoanDepot and charged me {$490.00} for appraisal fee. Its been over 3 months and nothing has happened.i withdrew my application on XX/XX/20 and asked for a refund. They told me there is no refund. My receipt clearly states that if I withdraw my application I will get Refunded for the difference between the appraisal deposit and the amount of the value of the appraisal services performed and now they are saying no refund. I have the receipt proving my claim.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts which do not belong to me or were opened without my permission. 
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 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  {$4700.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One After receiving the attached document on XX/XX/2021. Capital One decided to close my account and I did not request for Capital One to close my account On XXXX XXXX stating that it was based on business concerns that did not relate to my credit worthiness. When on XX/XX/2021 at XXXX and XXXX on a recorded line from 3 reps. one specifically by the name of XXXX, and The Fraud account manager Supervisor XXXX stated that my account was closed due to excessive account returns.Which indeed in not a fact. Another rep. then stated the account was closed due to account usage with no further details. Then finally the final rep then stated it was due to inconsistent activity. which once again is not a fact. To then send me a letter via email stating it was based on business concerns that did not relate to my credit worthiness.
Consumer complaint received 2021-08-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MA)

I have attempted to dispute what Experian is reporting regarding my credit history. It seems they are reporting conflicting information between summaries and my actual credit report. Also there was a significant drop in my credit score but the reporting doesn't indicate why. Experian does not have a way on it's website to either inquire or dispute an issue of this kind. Although the site 's FAQ says you can add a statement, there is no way to access a way to add the statement. When trying to call Experian to discuss the issue you have to wait an endless amount of time to reach service support. It seems the user experience was designed to avoid consumers from managing damaging information published by Experian.
Consumer complaint received 2022-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$480.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-19
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. (GA)

The unverified accounts listed below are continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-22
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CASHCALL, INC. (CA)

A collection company XXXX XXXX XXXX ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is CASHCALL INC who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

XXXX XXXX XXXX do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.
Consumer complaint received 2021-08-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc (FL)

I made a purchase with my paypal debit card on a website called XXXX on XXXX, and spent XXXX on parts for a paintball toy, and didnt receive an item, the merchant agreed to a refund, but only refunded XXXX out of XXXX, im still waiting on XXXX, I filed multiple claims with paypal, and it keeps getting denied because they see I received a credit from the merchant, but theyre are not looking at the numbers
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (NY)

On XX/XX/2020 i filled an online dispute # XXXX with XXXX  that was incorrect also with XXXX XXXX dispute # XXXX and Experian dispute # XXXX please have it removed.
Consumer complaint received 2023-05-08
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-08-28
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 (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2022-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

i have tried fixing this for 2 yrs now. I had my car broken in to and had my wallet stolen.it had my id and social card stolen. i got a police report and have submitted to all the bureaus. XXXX  and XXXX have yet to take it off my credit. i recently sent them another dispute showing that the information doesnt even match up between the bureaus and that the address is wrong, it isn't my address. this is an account from XXXX XXXX who purchased it from sychrony bank stating i owe them {$1500.00}. at no time have them showed me any proof of this account such as opened account info or contract
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-02-15
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. (AZ)

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX  CA XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WSFS FINANCIAL CORPORATION (NJ)

XXXX months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected XXXX  with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? WSFS is tied to XXXX and need to force them to honor this agreement.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XXXX, XXXX XXXX an alert was sent to my phone from XXXX tracking for package delivery. This was a package that I did not order. I immediately opened my account to see a pending charge for a company XXXX XXXX XXXX. I called the capital one bank and notified the day of the pending transaction ( XX/XX/XXXX ). I was told, I had to wait for the charges to clear to file a dispute. On XX/XX/XXXX, I filed dispute after the transaction posted. Capitalone is denying my claim because the merchant ( XXXX XXXX ) said that my name and address matched the order. The total was XXXX. I attached the XXXX  shipping tracking information, in which it is plain as day that the package was rerouted multiple times before ultimately being sent to XXXX. My identity was stolen to make this purchase. I did not even receive a package that I Have now paid for and have no idea what was even purchased. So, if both parties, ( capital one and XXXX ) are saying that I made the purchase, I didnt receive a package. Which once again clearly showed it was sent to XXXX ( 2000 miles from my current location. I filed an appeal with capitalone and called the merchant myself. Capital one is now sending me their investigation findings as of XXXX.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The credit bureaus stated my account was properly investigated but how is that possible if a collection account is not supposed to have a payment history inaccurate, or a past due amount inaccurate, also it show that the collection accounts are open inaccurate, and date last reported is inaccurate. This is grounds for removal they also violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 thirty days to complete my investigation here is my certified mail tracking # XXXX
Consumer complaint received 2022-11-19
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. (SC)

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 a account without my written instructions.
Consumer complaint received 2024-11-14
Product: Credit reporting 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. (NY)

Recently checking my credit report and I've noticed that I've been a victim of identity theft and found credit inquiries I have no knowledge of here are the inquiries that I've found : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove fraudulent inquiries from my credit report.