davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP (FL)

I have had repeat problems with KeyBank related to wire transfers, specifically regarding the XXXX XXXX XXXX. Going back to XX/XX/XXXX, I was purchasing a vehicle out of state. I spoke with the branch manager XXXX and asked her how I would go about initiating a wire transfer for down payment. XXXX told me that there are absolutely no wire transfers within the branch and that they are almost always a scam. So, instead I had to do a bank certified check which was a huge pain. I also do XXXX investments which requires a domestic wire transfer, so on multiple occasions I had to send personal or certified checks because I was under the impression that KeyBank did not offer any wire services. Fast forward to XX/XX/XXXX and I am purchasing a 2nd home in Florida. I called KeyBank to see what the process would be for closing and they said I could do a wire transfer over the phone. Two days before my closing, I called to initiate the transfer and they told me I had to do a transfer in the branch only. I called the XXXX XXXX KeyBank branch and they once again told me they do not offer wire transfers period. I asked him to look into it and he said he would to " appease me. '' His name is XXXX at XXXX XXXX KeyBank. He ended up being 100 % wrong. This entire time, they could have done wire transfers for me in the branch. On top of that, my mom had to wire {$25000.00} for me as a gift towards the home. When she went into the branch, XXXX told her it was again a scam and that wire transfers were dangerous. My mom called me crying from the parking lot not knowing what to do. In order to transfer the money for my closing, I ended up having to do a round trip flight from XXXX to XXXX to visit a branch to sign a piece of paper. This ended up costing me over {$1000.00}. The wire transfer misinformation is just the beginning when it comes to the issues I've had with this XXXX XXXX KeyBank branch. Just today, my contractor told me he was being questioned by someone in the branch about what I was doing and why I was writing him so many large checks. This branch has repeatedly been nosey. Last year, I had someone fraudulently take around {$3000.00} from my business account with XXXX I told them at the branch it was 100 % not me. They told me that because I receive wire transfers into my business bank account, it was my fault and that if I went through with the report that they would most likely rule against me. I moved forward, filed a police report and the bank ultimately ruled in my favor. The XXXX XXXX branch needs an overhaul, specifically XXXX and XXXX. Please follow up with me.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

On XXXX XXXX, 2020 I sent a second dispute letter to XXXX XXXX XXXX and XXXX  credit bureau regarding a collection/charge-off that was opened in 2020. XXXX  is still the only credit bureau listed on my credit report while XXXX  and XXXX  has since deleted this collection/charge-off from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
Consumer complaint received 2021-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The past few months I have had to replace my credit card because of fraud. Two of the charges, one on XX/XX/XXXX and one on XX/XX/XXXX at XXXX for {$140.00} and $ XXXXwere disputed as I did not make this purchase, I did not receive whatever it was that was purchased and I have never purchased anything from them. I opened a claim but now BofA has closed the case and put the charges back on my card. Bank of America is claiming that the merchant provided documentation confirming that I received the merchandise. I called BofA on XX/XX/XXXX requesting the documentation but they did not have any, I have the right to see this supposed documentation. I want to see my signature, the address the merchandise was delivered to, and who signed for it because it was not me.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (AZ)

I have a car loan with Regional Acceptance. My car was totaled and I have all these fees in excess of my outstanding loan. I have asked multiple times to get a breakdown of what the fees are and they just say interest and other fees. I need to know how much I am being charged daily for the extensions I have as well and they dont have an answer for that either. They are terrible. Worst company ever!
Consumer complaint received 2021-05-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (OK)

In approximately XX/XX/XXXX, I had some procedures performed at XXXX XXXX XXXX in XXXX  XXXX. There were some questions on some of the charges that I was disputing following the receipt of the billings. This went on for a couple of months. In approximately XXXX of XXXX they sent the bills to Transworld Systems for collection, and TSI sent me a notice. Immediately upon receipt of the notice I called TSI, and set up two payments for consecutive months. Those payments were made on XX/XX/XXXX to TSI for {$600.00} and the second made on XX/XX/XXXX to TSI for XXXX which cleared the XXXX XXXX account. I made those payments without threat from or to TSI. 
In XXXX, XXXX my credit ratings dropped from the XXXX to the low-mid XXXX 's. I called up my consultants to pull the credit file and found that TSI had listed this as a collection, although it showed a {$0.00} balance with a high balance of {$1100.00}. It first showed up in XXXX, XXXX as a " XXXX Balance Collection '' and is reported each month as a XXXX balance collection, since. 
I have spent hours on the phone, in multiple calls, with different representatives of TSI. There was never any indication from TSI that if paid, especially quickly and voluntarily, that this matter would be added to my credit file. In the last phone call XXXX XXXX, XXXX XXXX the overly surly representative said, for the first time, that those payments were used for another debt that they had. I told him that was impossible as I had no other debt on their, or anyone else 's file. He informed me that a bulk of it was used on a debt which was not even on their books at the time I made the initial payments of {$1100.00}. There was a new collection from XXXX in the amount of {$2600.00} that was billed to me by TSI on XX/XX/XXXX and paid in full on XX/XX/XXXX. There is no way that any of the prior amount could have been used for the XXXX amount. Nor did I authorize the payment of {$1100.00} to be used for anything but the original debt. I asked the last representative to please forward me a complete accounting of my charges, payments and dates made to and by TSI. To date, over six weeks has passed and I have not received any further correspondence from them. 

I urge Transworld Services to please remove this collection from the three credit bureaus. While I was having a dispute on the original bill, XXXX sent it to them erroneously, then once I got the original collection, it was paid immediately. Then after the fact, TSI listed it as a Paid Collection was put as a zero-balance paid collection on my reports. This has ruined my credit. I do not have one other late payment on my credit. Please do the right thing and remove this blight on my credit. 
If not, how can anyone ever trust you and the way you do business?
Consumer complaint received 2021-04-23
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. (NC)

I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine. I sent a dispute letter to XXXX, XXXX  and EQUIFAX on XXXX, XXXX XXXX and XXXX asking that they be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX, XXXX and EQUIFAX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

My fianc and I traveled to XXXX, XXXX, on XX/XX/year>. Upon arriving at the airport around XXXX XXXX, we requested an XXXX. After getting in the car, we were forced out and told to use a XXXX  instead, as XXXX was allegedly illegal at the airport. The XXXX XXXX representative assured us it would cost {$100.00}, and attempted to use my credit card. After attempts, they claimed the card wasn't working, so we paid the driver in cash. 
Shortly after getting into the taxi, I noticed that my credit card had been charged XXXX times, {$350.00} each totalling {$1400.00}, under the name " XXXX XXXX XXXX XXXX XXXX XXXX '' between approximately XXXX and XXXX PM. I later realized that " XXXX XXXX '' refers to food and beverages in Spanish. Concerned for my safety and that of my family, I immediately contacted Citibank around XXXX XXXX  ( the ride took about an hour from the airport ) as soon as we got to hotel. However, they refused to investigate it as fraud because I had given my card to the taxi company. They insisted all XXXX transactions had been approved even tho I reported it urgently as they appeared. 
After multiple calls to Citibank, they eventually informed me that the charges were from a restaurant called " XXXX XXXX '' in XXXX, which was far from our hotel. At the time of the transactions, I was either at the airport or in the taxi, nowhere near this restaurant, and I couldnt have ordered food or drinks. Moreover, our hotel was all-inclusive, and we never dined elsewhere or had any dealings with this establishment. 
Despite acknowledging potential fraud and scam, Citibank continues to refuse a proper investigation, treating the matter as a standard dispute rather than fraud and scam, effectively siding with the scammer and putting consumers at a disadvantage. 
They also refused to investigate as XXXX case even tho XXXX chrages occurs within minutes with the same merchadise and the same amount. I have to add I never had any business with this merchandise and I never gave them my credit card information. I used my credit card only to take a cab from airport to hotel. 
Dispute IDs associate with this scam and fraud activities as follows : XXXX XXXX XXXX XXXX Attached a copy of cancelation notice from XXXX that showed how they forced the drive to cancel ( There was no charge if driver cancel ) and it locate us at airport at the time of transactions not a resturant.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submitting a formal complaint regarding fraudulent items that are currently being reported on my credit report. These inaccurate entries are severely impacting my credit score and financial standing. Despite my repeated efforts to address this issue, these fraudulent items remain unresolved, and the matter is now part of pending litigation. 
The presence of these false accounts is not only misleading to potential lenders but also a source of considerable XXXX  and harm to my financial reputation.
Consumer complaint received 2020-12-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I received an insurance reimbursement claim check in the amount of {$48000.00} from XXXX XXXX for Hurricane Irma damage. Summary of Loss Roof {$51000.00} and {$2800.00}. interior repairs less deductible of {$5800.00}. The check is made payable to myself, the adjuster, and Regions Bank. The adjuster and I went to Regions Bank at XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX on XXXX/XXXX/2020. We have them the claim report and attorney loss settlement communication including the insurance company breakdown of the reimbursement, the roof replacement contract including paid summary and release of lien. The rep that addressed our need XXXX XXXX indicated that an inspector would call in a few days and that once the inspector came to the home, I could return to have the check endorsed. On XX/XX/2020 I emailed XXXX XXXX to follow-up and never received a response. I then sent a message to Regions via my online banking and received a response to call the branch. I never received a call back from XXXX XXXX. I called Regions XXXX to follow-up and on XX/XX/2020 I emailed Customer Service at XXXX the settlement letter explaining that it was the only documentation provided by XXXX XXXX. I also sent them all of the receipts of the repairs that were done. I called XX/XX/2020 and Regions said they would review. I called XX/XX/2020 and again XX/XX/2020 when XXXX said I would hear back from an inspector within three days. I called again Tuesday XX/XX/2020 when XXXX referred me to a supervisor who called back and again said they needed the detailed settlement. He apologized that Regions was using a new system and they were having computer issues with system failures. After a long talk, finally they he said that an inspector will call within three days. Since I have provided proof of payment for a roof replacement and that is the bulk of the reimbursement and only {$2800.00} is for the interior work, I sent pictures of the interior work to Regions. This morning I called Regions again and they said that because of the holiday it may take more than 3 days for an inspector to call to schedule the appointment. I believe that it should not take a month for Regions to contact me for an inspection. They have proof of payment, invoices from the contractors, and claim settlement from XXXX XXXX. My HELOC account is current and I have not been late since inception. Payments are deducted from my Regions checking account. All payments to the roofing company and contractors have been through my Regions bank account. My HELOC  with Region Bank ( XXXX Florida ).
Consumer complaint received 2022-07-03
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. (NC)

in accordance with the fair credit reporting act and XXXX  Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXX. XXXX XXXX Account:XXXX  XXXX. XXXX XXXX XXXX  Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX  XXXX. XXXX XXXX. 
XXXX all of which has violated my rights. 

15 U.S.C. 1681section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.
Consumer complaint received 2020-12-01
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. (GA)

Your company is in violation of the FDCPA section XXXX. False or misleading representations. The credit agency did not properly investigate a previous dispute. In my last dispute regarding XXXX XXXX XXXX. They failed to properly verify the information given by the debt collector. I do not owe any debts to XXXX XXXX XXXX and any reporting of a debt owed to them has been disputed several times. Attached is a written statement from the FDIC that personal debts from XXXX XXXX were never sold to XXXX XXXX XXXX XXXX XXXX XXXX stated in a written testimony to the CFPB that this debt was sold to them in XX/XX/XXXX that could not have been possible because XXXX sold this debt to another company in XX/XX/XXXX. Also, they claim they were collecting this debt on behalf of XXXX but in XX/XX/XXXX the new owners of XXXX XXXX XXXX XXXX XXXX stated in writing they no longer which to pursue this debt and still make that claim today. Attached is a letter from XXXX XXXX XXXX XXXX stating that once they purchased XXXX they no longer wanted to go further with any more collection activities. So if the original owners of the debt did not want to pursue any further action any actions made by XXXX XXXX on the behalf of XXXX would be invalid. Also, XXXX XXXX XXXX has failed to show written notification sent to me notify me of when they purchased the debt.
Consumer complaint received 2022-07-03
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXXXXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXXXXXX XXXX XXXX credit reports. 

The XXXX XXXX XXXX XXXX  account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Consumer complaint received 2022-07-03
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)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. An XXXX XXXX XXXX XXXX XXXX that is now closed was made in my name with my information and also a closed account with XXXX XXXX XXXX  XXXX, along with a XXXX XXXX XXXX collection which doesnt appear on my XXXX or Transunion credit reports. 

The XXXX XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX & is now closed. The account balance is {$240.00} The XXXX XXXX XXXX account number is : XXXX It was opened on XX/XX/XXXX, it is listed as an open account with a balance of {$280.00} The XXXX XXXXXXXX XXXX  XXXX account number is : XXXX This account was opened on XX/XX/XXXX It is listed as a closed account with no balance. 

These accounts was opened at a address I DO NOT LIVE AT! NEVER HAVE!
Consumer complaint received 2021-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (MD)

Hello! It's been a week since I registered with the cryptocurrency exchange " Gemini 'XXXX, using their website and phone app, and gave them all of my personal and banking information so I could use their services. I gave them my name, email, cell phone XXXX street address, sent photos of my state driver 's license, and even successfully linked them to my bank checking account using my actual bank username and password. Here we are a week later, however, and my registration process is frozen in the " Identity pending verification '' phase. This means I can not buy or sell anything on their platform, apparently I can deposit funds but not withdraw them ( Which is a fraud in itself ). In other words, they recieved all of my sensitive personal data, leaving me in a dangerous position, and I still can not even access the services I signed up for. I only need to use their exchange, and when I submit a support inquiry I only get the " High application volume means slow service '' excuse. Which is fine, but they should have warned me of that BEFORE I gave up all my sensitive info. Please contact them and demand that they expedite the ID verification process. My username for the Gemini platform is XXXX, thank you so much.
Consumer complaint received 2020-12-01
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. (AZ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2020-11-30
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.