davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-08
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. (CA)

I checked my credit report last XXXX XXXX since I received a letter from one of my creditors that they are lowering my credit limit due to a negative report of my credit. I found out that a credit card issued by XXXX XXXX XXXX was opened last XX/XX/XXXX without my knowledge and authorization with a credit limit of {$5000.00} and unpaid balance of {$4900.00} and still ongoing as of todate..Per credit report account was closed by XXXX on XX/XX/XXXX.I disputed the account last XXXX XXXX. Per XXXX report to Experian the account was accurate.However I never applied nor authorized anybody to open an account with XXXX. I do not have or have had any account with XXXX.I went to XXXX Police Department and file a complaint of Identity theft with Police Report file no.XXXX.I have also filed to Federal Trade Commission Identity Theft Report with FTC Report No . XXXX.
Consumer complaint received 2022-09-20
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. (IN)

Since XX/XX/XXXX I have paid my XXXX XXXX account in full. It is still showing that I owe over {$80000.00}. And it is reporting to my credit as of XX/XX/XXXX. I need this to be taken off of my account so that I can get an FHA loan. And I will not be able to get it with that delinquent account sitting on my report.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (NY)

I have tried to use my card several times in XXXX XXXX ny, while staying with my daughter during the pandembic, ilive in XXXX, each time I used the card I was turned downed. I called the bank they tried to help but did very little for me I called the # on the back of the card they weren't any better. often they refused to help me.the security dept refused to help me as well .I pay my bill on time I also pay more than required.i need helpthe security dept never ask me important questions, they just say they cant help me well then who can help me also the security dept gave me another # to call they toorefused to help me. this has been going on for well over 2 months.i don't have the dates because many times my daughter ended up using her card, i never wrote the datesthat iused the card down on paper. I was so upset that I just thought it was a minor mistake on my part, but thisproblem started after XX/XX/XXXX and no has helped me I feel like they think iam not the card holder please help iam so embarrassed in front of all my family
Consumer complaint received 2020-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (LA)

PayPal is requesting payment from me in the amount of {$1100.00} following disputes with XXXX XXXX XXXXXXXX : Dispute # 1- Case XXXX ( {$490.00} ) and Dispute # 2- Case XXXX ( {$690.00} ). On XX/XX/XXXX and XXXX, I filed disputes with PayPal through the Resolution Center regarding transactions with XXXX XXXX XXXX  ( XXXX  ). Although I sent documentation of my conversations with XXXX XXXX XXXXXXXX 's customer service indicating that I would be refunded in accordance with the company 's refund policy, I continued to receive emails from PayPal stating that I did not provide evidence to support my dispute. I made several attempts to reach PayPal by phone, and each time, received messages that customer service could not be contacted by telephone. After being unable to reach PayPal by telephone, I filed disputes with my credit card company and financial institutioXXXX, which were resolved in my favor. I've made several attempts to resolve this issue through PayPal Assistance messages. Each message was answered by a different person who " cherry-picked '' which question they wanted to address. I do not believe that my dispute was reviewed or investigated by PayPal. It appeared that a blanket decision was made on my case without reading my documentation or investigating the matter. As the intermediary agency, PayPal needs to contact the vendor and request a refund since my financial institutions have already resolved the issues on my behalf.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX made a mistake in sending me 2 ( two ) refunds for my credit card. The amount on the billing reported via telephone was XXXX but in fact {$270.00}. A copyof the second check was sent to my office for varificvacition 5 months later. Durning this time period it was reported to Experian as late payment which significantly brought down my credit rating and had massive financial loss due to bad credit. All other credit reporting agencies were good. 
XXXX admitted the mistake and informed Experian To daet here is no change or correction to my low incorrect credit score. Legal action against Experian and XXXX will follow shortly after my administrative channels have been exhausted.
Consumer complaint received 2024-10-11
Product: Credit reporting 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. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2021-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

There was Fraud on my Bank Checking account starting on XX/XX/2020 XXXX for a total of {$28000.00}. I found out about the Fraud on XX/XX/2020 and called customer service at Atlantic Union Bank to alert them about the Fraudulent activity on my checking account and to freeze my account to prevent more charges. The next morning XX/XX/2020 I met with XXXX at the XXXX Atlantic Union Bank about the Fraud. She confirmed that my account is locked and I filled out documents to start the refund process. She told me it should not be a problem getting a full refund on the fraud transactions. Also instructed me to get a police report in which I did with the XXXX Police Department. I met with officer XXXX XXXX and my case report # is XXXX the same day. 

XXXX sent me an email stating that the refund was refunded on XX/XX/2020 but only {$15000.00} was refunded. I replied to the email and stated that I hav n't received the rest of the refund of {$12000.00}. She replied that the fraud department said that those charges were not eligible for refund. Here is the email below. 


This is what I got from the Fraud investigator XXXX, The customer has been reimbursed for the check and the eligible ACH transactions. It is my understanding that several of the ACH items that were disputed were not eligible for credit, as they were reported outside of the timeframe. The customer will need to continue to work with law enforcement to recover additional funds. Please let me know if you have any additional questions. 

XXXX XXXX Senior Branch Manager XXXX # XXXX T : XXXX Ext. XXXX XXXX XXXX XXXX XXXX, VA XXXX Here is my timeline. I reported to XXXX XXXX as soon as I notice it was Fraud on my account. 

Timeline : XXXX - The Fraud started XXXX - The day I noticed the Fraud and reported it to the Atlantic Union Bank Customer service number that day. 
XXXX I met with you that morning to make sure my business account was locked to avoid any more fraud and start the refund process on the fraud items. 
__________ I have banked with Atlantic Union bank for years and I'm very disappointed that they are giving me a hard time refunding my money back and being on top of the refund communication.
Consumer complaint received 2020-07-16
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC. (MI)

I have a VA mortgage ; my account is current and I requested 180 day forbearance as authorized under the CARES Act due to being affected by this pandemic. This request was done on XXXX XX/XX/2020 @ XXXX. Plaza Home Mortgage / XXXX XXXX XXXX  the servicer understood my 180 day forbearance request I was requesting under the CARES Act law. The servicer stated they would only give me a 90 day forbearance and would not honor my request for 180 day, because they dont offer that XXXX XX/XX/2020 @ XXXX I called above company to verified my forbearance status ; talking with XXXX XXXX ID # XXXX She said that my account was coded as 90 day forbearance. I again stated I wanted the full 180 days first request that was given to me by the CARES Act that is law. She stated that the CARES Act was a Federal government thing and that they ( XXXX XXXX  ) where not apart of the Government. Inferencing they didnt have to follow the government law.
Consumer complaint received 2022-07-20
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 and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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/XXXX 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 2024-10-17
Product: Credit reporting 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. (AL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

A few months ago, Macys suddenly sent me a bill stating that I owed {$340.00}, even though I had never purchased anything from them. I tried to communicate with Macys, and they explained that they had mistakenly sent a {$300.00} check to the wrong person and wanted us to pay that amount back. However, the truth is that we never received any check. After Macys investigated, they canceled the {$300.00} charge, but there was still {$40.00} left as a late fee for not paying that original {$300.00}. 

We felt that this was not our fault and that we had no obligation to pay this fee, so we didnt. However, the late fee kept increasing and has now reached over {$300.00}. Ive called Macys multiple times, but their response is always that I need to pay this amount.
Consumer complaint received 2022-07-22
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights 15 U.S.C1681 section 602A. 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.15 U.S.C166b A Creditor MAY not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TD BANK US HOLDING COMPANY (FL)

I applied online for a personal loan on XX/XX/XXXX. Since then, I have been unsuccessful with obtaining a status on a decision for the loan. I do know that a TD Bank performed a hard credit inquiry as I have a credit monitoring service ( attached PDF ). 

I've only received an email ( attached PDF ) with instructions on how to obtain loan status. As of this date ( XX/XX/XXXX ), the status is unchanged - no decision - stating a rep will call me ( attached PDF - note date of status vs. date on computer bottom right ). 

I've also called TD Bank and the representative was extremely unhelpful, knew nothing and told me to just wait.
Consumer complaint received 2020-07-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

Applied for and received loan XX/XX/XXXX. Amount of XXXX $ They stated they were taking upwards of XXXX $ out of loan to register and pay any late fees associated with registration. 
i was informed that I will receive registration in mail within 2 weeks. 
2 weeks after I receive loan my car was impounded for lack of registration. 
It took 3 days for me to get a hold of someone at the XXXX XXXX- and I had to inform them that the registration wasnt valid. 
Without my knowledge they taken my car out of the impound around XXXX XXXX XXXX  and dont inform me until XX/XX/XXXX. 
I am fired from my job because my manager, XXXX XXXX, doesnt believe what I am telling him about my cars situation, because its simply the worst luck hes every hear someone having. XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX  releases my vehicle to me stating that they Are adding the impound, tow, and repossession fees to my loan. ( My first payment hadnt been due yet ). Not until XX/XX/XXXX. They will tel you that its XX/XX/XXXX, but since car was impounded- they decided to unconditionally waive the first month. 
My vehicle was repossessed XXXX XXXX. During the covid lockdown period. When I asked them why a non-essential business was doing things like this, they told me to get a job. 
I was evicted from my apartment 2 weeks before and had been living in my car. 
No one from 800loanmart called me. It took me 2 weeks to find my car. Which is now up for auction. 
I am homeless, no job and I cant get a job because they are closing gyms again. And I have no car. Please help me. This company has destroyed my life. Please help me. They didnt follow their first responsibility when obtaining my Title. This is wrong. I dont know what to do, and I lost all my medicine- I am a severe XXXX and have died from XXXX attaks before. 

Thank you XXXX XXXX
Consumer complaint received 2020-08-20
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. (TX)

I sent the dispute through the credit agencies. XXXX changed it but the others have not. XXXX XXXX private student loan was charged off. Then they forgave the entire amount sent me a 1099M for XXXX and I claimed it on my Taxes in XXXX of XXXX. 

Its still currently showing up on my credit report as charged off in XXXX.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Exodus Movement, Inc. ()

Around XX/XX/2021 and XX/XX/2021 my account was hacked, and the following crypto currency was stolen from my wallet : XXXX USD Around XX/XX/2021 My Exodus wallet that held my funds was running slow and glitching out, so I had to put my PIN number in again. Had a hard time doing anything with my wallet. I talked to Exodus, and you told me to turn my tablet off and on again and it would help connect to the XXXX. So, I tried that. It seemed to work a little better, but I was still having problems with it. Thats when I decided to buy a new tablet with a new email that had nothing on it. 
Moved that wallet over to that new tablet. At first, I wanted to create a new wallet, but the old wallet didnt allow me to send my funds over. Once I put the same wallet onto the new tablet and new pin, it seemed to be working fine, then between XXXX XX/XX/2021 I did not use the app at all, nor did I look for it whatsoever ( please see screenshots attached below ) and when I opened it a few days later all my funds disappeared. 

I contacted Exodus more than once stating that my account was hacked and they are not taking responibility for this, and not helping in any way, they neglected me and even sent me a letter from their lawyers.
Consumer complaint received 2022-07-28
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. (MN)

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors 1XXXX Account Number : XXXX 2.XXXX  Account Number : XXXX 3.XXXX XXXX  Account Number : XXXX 4XXXX Account Number : XXXX 5. XXXX Account XXXX : XXXX 6. Account Number : XXXX 7. 42 U.S. Code 1320d Account Number : XXXX 8. 42 U.S. Code 1320d Account Number : XXXX 9. 42 U.S. Code 1320d Account Number : XXXX 10. 42 U.S. Code 1320d Account Number : XXXX 11. 42 U.S. Code 1320d Account Number : XXXX 12. 42 U.S. Code 1320d Account Number : XXXX
Consumer complaint received 2020-08-30
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. (LA)

on XX/XX/XXXX andXX/XX/XXXX I sent both certified mail to Experian saying that the XXXX XXXX account was reporting incorrect and this is stopping me from getting a place to stay. I did not receive a response back from them. I had already included a copy of my driver license and a bill with the currect address on it.
Consumer complaint received 2023-08-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (DC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: MRS BPO, LLC (NC)

I did not consent to my personal information being shared with any third-party debt collectors or any other external parties. I was under the assumption that my information would remain secure and private, as per the terms outlined in their privacy policy. The fact that my details were sold or shared without my explicit consent is a breach of my privacy and trust.