davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I own a small business, and we were using XXXX XXXX XXXX XXXX XXXX for processing credit cards. Last year, we closed the business and cancelled their services. However, despite this cancellation and no transactions being processed, they have continued to charge us merchant fees every single month, totaling hundreds of dollars. We have called repeatedly to cancel and be refunded, and it just never happens. They will take our complaints, claim that they are cancelling the account and submitting our reimbursement request, and then nothing happens. Sometimes we get an email confirmation of the interaction, sometimes we don't. Most recently they have at least created a paper trail for which we have case reference numbers, but we're still getting charged. They've of course conveniently forgotten that we have been trying to cancel since XXXX of 2021. I have heard similar stories from other business owners. They are defrauding customers and just make it impossible to cancel. I don't want to have to close my bank account to stop the charges, but it seems this may be my only resort. And, I want to be refunded the $ XXXX taken over the last months. Our point-of-sale system has even cut ties with them because of the number of businesses having trouble.
Consumer complaint received 2022-02-01
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2022-02-01
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. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-01
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. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-15
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. (VA)

My car was repossessed by XXXX XXXX XXXX on XX/XX/2019. I was behind 3 payments of {$110.00} to be paid bi-weekly, totaling {$340.00}. After they picked up the car they said I now owed {$930.00} to be able to get the car back. They stated they would hold the car for 10 days and that I had to pay at least {$400.00} by XX/XX/2019 in order for them to continue to hold the car and not completely take the vehicle. If I needed to go beyond the 10 day holding period the car would then begin to be charged a {$20.00} storage fee for each day it is held. I paid the {$400.00} to them on XX/XX/2019. They continued to hold the car and it then started to incur a {$20.00} storage fee each day after XX/XX/19. I  called on XX/XX/2019 to inquire about the remaining balance owed to get the car back. The total on that day was {$830.00} which included the storage fees and XX/XX/XXXX payment which if paid in full would bring the account current and they would release my car back to me. I made the full payment of {$830.00} on XX/XX/2019, which brung the account current with my next payment being due on XX/XX/19,  and they released my car back to me. On XX/XX/XXXX I  received a notification from XXXX XXXX stating that there was a change reported to my credit report. I took a look at the credit report and XXXX XXXX XXXX had changed the status to the account to involuntary repossession and that the account is closed. I called XXXX XXXX XXXX on Friday morning when I was off work to discuss this matter because the account is in fact open and the status is current and has been since XX/XX/2019. They stated I would have to file a dispute with the credit bureau. Them stating that the account has been involuntarily repossessed and that the account is closed has damaged my credit score by decreasing my score by 55 points. This information is not correct and I would like it to be removed from my credit report and the score fixed accordingly.
Consumer complaint received 2022-02-01
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. (NJ)

I have been so patient with TransUnion but it seems they are just neglecting my request of removing the items I asked them to do. Some items were not related to me and some of the furnishers were not authorized. I would like them to be removed immediately if no proof is provided. 
Incorrect addresses : XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00}
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AZ)

National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX Apartments but left even before I moved in. We have the same last name and our first names are similar. The first XXXX letters of the first names are the same. This might have caused the company to think that we are the same person. 

I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX Apartments in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. 

In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. 

This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. 

The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. 

In the attached documents, you can see that debt owner and I are completely different people. 

Description for the attached documents : XXXX. XXXX XXXX- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX apartment. ( All this information shows the debt owner is not me. ) XXXX. Itemized Charges {$150.00} from XXXX -- shows the charging details. Again, the listed residents are not me. 
XXXX. XXXX XXXX Disputer.pdf -- This is the lease I signed with XXXX XXXX XXXX XXXX apartment for unit XXXX, starting from XX/XX/XXXX. 
XXXX. XXXX XXXX Debt Owner.pdf -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX apartment for unit XXXX.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (FL)

I have contacted experian multiple times in regards to fraud accounts reporting on my credit report. I have provided them with an FTC report and a Police report in regards to these fraudulent items but they fail to comply and are violating my consumer rights pursuant FCRA 605B ( 15 U.S.C. 1681c-2
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, TRANSUNION, AND XXXX have commited identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, XXXX USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, Transunion, and XXXX are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX ( Original Creditor : ). ACCOUNT XXXX TRANSUNION- Account name XXXX CLARO. Account number : XXXX Account name : XXXX . Account number:XXXX. NEVER WENT TO COLLEGE. 

Incorrect personal information that needs to be deleted : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Do not place a fraud alert on my credit report.
Consumer complaint received 2016-03-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

WE ENTER INTO LOAN MODIFICATION ON XXXX MORTAGE WITH BANK OF AMERICA IT WQS MADE XXXX ON XXXX WE HAVE NOT MISSED A PAYMENT. XXXX WEEKS LATER WE GOT A ANTHOER SET OF THE SAME PAPERWORK HAD DONE BEFORE IT WAS ACCEPTED, MIND WE DID THIS 4 TIMES BEFORE THAT DAY IT WAS MADE PERMANMENT. I CALLED MY CASEMANGER XXXX XXXX SHE SAID IT WAS A MISTAKE AND THE PROCESS WAS DONE SINCE THE BANK SIGNED OFF ON IT SHE SAID DO N'T DO ANYTHING I RECIEVED A FROM HER XXXX WITH THE SINCE IT WAS ACCEPTTED I NO LONGER HAVE A CASE MANGER. WE HAVE NOT MISSED A PAYMENT BANK OF AMERICA IS NOT CEDITING MY ACCOUNT OR REPORTING MY PAYMENTS TO CEDIT BUREAU MY CEDIT REPORT SAYS I 'M NOT PAYING AND BOA SAYS I HAVE TO GO THROUGH THE WHOLE PROCESS AGAIN. I MADE MY PAYMENTS EVERY FOR ALMOST 2 YEARS AND NONE OF IT HAS COME OFF THE BALANCE. I WHEN THE HOME OWNERSHIP PROFRAM XXXX AND XXXX XXXX XXXX TRIED FOR 1 HOUR TO SPEAK WITH SOMEBODY AT BOA AND GOT NOWHERE HIS PHONE NO. XXXX XXXX HE TOLD NE TO FILE THIS
Consumer complaint received 2022-02-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello. I've tried to resolve this with XXXX and bank of america, but neither will refund my money, just under {$260.00} XX/XX/XXXX I went on XXXX  to purchase a sonos amp. I clicked " ask '' in the app, but it didn't work. I got an error message. So I submitted an offer in the XXXX app and it went through. I sent a text message saying i put an offer in via XXXX. the gentleman ( name in XXXX XXXX is XXXX XXXX ) was driving to XXXX  XXXX to ship the merchandise. He sent me pics of XXXX XXXX  and a XXXX XXXX receipt. 


He said he couldn't get XXXX to work and if I'd send him the money through XXXX. Since he gave me receipt and I had an issue with the XXXX app, I thought we has telling me the truth. I sent them money via XXXX and asked him to confirm. He confirmed it was him, but came back and said his XXXX app was hacked and to send it to his wife 's account. I said no. 


He threatened me a couple of times, but I said I won't resent the money. I went into XXXX to chancel the txn. there is way to do this in the app, but it said it wouldn't work. I called XXXX and they told me I have to go through Bank of America. I couldn't get a hold of XXXX XXXX, since it was Sunday. 
I called XXXX and the told me the address on the fXXXX receipt doesn't exist. 


I followed the XXXX instructions and reported the person. they said they couldn't help. I emailed them again ( they have no phone ) and said the same person is on there under multiple names doing the some thing. still nothing from XXXX. 

I saw where BofA refunded consumers of XXXX due to fraud. WHen I asked BofA, he told me the circumstance are irrelevant. they don't have to refund me, if it's fraud. 

I called the local police and they said they can't help since it happened online I have several screen shots of the texts, XXXX XXXX bid, email addresses and names.
Consumer complaint received 2022-02-01
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: LEXISNEXIS (AR)

I contacted LexisNexis and requested my entire personal profile history. I for sometime had been getting wrong identity questions and answers on my identity checks and XX/XX/XXXX was finally able to track down that it was LexisNexis the incorrect info was coming. I received the report XXXX. I took time and reviewed and made a list and contacted LexisNexis by phone on XX/XX/XXXX and took an hour to detail each incorrect name, incorrect addresses that never belonged to me and were never published on my 3 credit bureaurs- they all belong to people I'm not related and don't know- I was told these should not be on my report by LexisNexis representative on XX/XX/XXXX. On XX/XX/XXXX phone call I was told I would get a letter in XXXX days with the information removed. It is now XX/XX/XXXX, and I called on XX/XX/XXXX and today on XX/XX/XXXX and they said there is STILL no results from the investigation. on XX/XX/XXXX they said they would ask for someone to complete it and get back to me in 2 business days. It has been over a week, and they said today on XXXX that still no one has reviewed or made a determination. This causes great difficulty because the incorrect info comes up in 3 of the 4 questions they ask, almost every time I have to use the identity questions to verify myself.
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2022-02-01
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CO)

We have a reverse equity line-of-credit mortgage that got assigned to Ocwen, which has now changed its name to PHH Mortgage. We have almost {$70000.00} available to draw upon. On XX/XX/2022, we submitted a draw request for {$15000.00} ( I have a contractor for home repairs ready to go when I get the money ). PHH says that the draw request will be processed within five business days of the request. On XX/XX/XXXX, I got a call from PHH in which they said they were confirming how to make a direct deposit in my checking account. Having received nothing, I called PHH on XX/XX/XXXX. The person I spoke with denied that I had make the request on the XXXX, and said that it had been made on the 21st, and that I would get the deposit on XX/XX/XXXX. Late on XX/XX/XXXX, having received nothing, I called them again. The person I spoke with said that my request had been received on the XXXX and that no one had taken action on it and she would put in for an expedited deposit. She said I should get it today, XXXX XXXX. My bank has received nothing today.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ARC Management Group, LLC (TX)

XXXX XXXX was extremely disrespectful and manipulative toward me when I tried to explain to him very politely that the debt was not owed. XXXX works for ARC Management and had zero regard for me as a human with dignity. He treated me like I was the scum of the earth. I escalated the call to his supervisor who promised to review the call. There is no excuse for yelling at me and interrupting and refusing to listen. More flies with honey than vinegar. Oh, not to mention, the debt was invalid and should n't be collected.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (AL)

I made a return on XX/XX/XXXX at XXXX p.m. at XXXX XXXX XXXX a car dealership. The charge was for holding a car so that it would not be sold. They refunded the hold on my credit card which is {$300.00} on XXXX 2022 at XXXX p.m. I have the receipt. PenFed credit Union the issue of the credit card, has been telling me if they can see the return as pending since the date of return of the hold. They told me I needed to be more patient and wait 7 to 10 business days, lecturing me on how holidays and weekends don't count. Telling me that they would give me a refund for all the interest I am accruing everyday the {$300.00} is on my card. Till today XX/XX/XXXX when I call to check on the refund since it's not showing on the app, they say they don't see the return pending. That I should do a dispute of the charge today. I asked for a supervisor to call me, because I felt like saying that I did not use the card to hold a vehicle on the XXXX was kind of a lie. They told me that was my only option, even though I have had XXXX different Representatives tell me they saw the item as pending that I just needed to wait. They are very rude, I have reached out to the dealership they gave me the finance manager name phone number I talked to him, he has offered to talk to them directly to resolve this issue. I have offered to give him his name and phone number but they are not really concerned and do not really want his name or number. Now today they are telling me I'm not going to be able to get my money till XX/XX/XXXX. Which is totally new. It seems like every time I call I hear a different story out of PenFed I have a copy of the receipt I've called the car dealership who gave me the return twice, they don't know what the problem is why they won't give me the credit even though it was pending on their side for over a week. So they're very blont with me today telling me I was just going to have to wait till XX/XX/XXXX now so they're going to charge me interest on this {$300.00} from the XXXX all the way to XX/XX/XXXX. If you need to know any other information like credit card number a screenshot of the receipt or anything like that I will give it to you.