davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (KS)

This incident has happened on XX/XX/XXXX. When I checked my XXXX account around XXXX XXXX, I see a bunch of emails from Western Union. Somebody was able to login to my account and change the profile and was able to transfer {$2300.00} dollars. This all happened between XXXX XXXX and XXXX XXXX  US CDT The hacker tried to do two transaction of {$2300.00} and one of them go through and other transaction went into review status. 

As soon as I discovered this around XX/XX/XXXX around XXXX XXXX, I called the Western Union and reported the fraudulent transactions. I also called my XXXX XXXX and gave a heads up on this fraudulent charge. After my office work time, I went to local police station and filed a police complaint. My police case number is XXXX and Western Union fraud case number is XXXX. 

There are many things that does not make sense. Western Union has been difficult to work with on this fraud. Each time I call to find the status, they give a standard reply of " we are working with local enforcement office on this case ''. The representative are difficult to  understand. The only thing that they were able to tell is that the location where money was picked up which is in XXXX XXXX which is a state in XXXX part of XXXX. The receiver that was used for this fraudulent transaction lives in XXXX XXXX which is central state of XXXX. How could someone be able to login from new device and new location without secondary authentication like XXXX. I have used Western Union in the past, but my transaction amount was newer above {$150.00}. How someone was able to make a 15 times higher transaction without some review or time lapse to occur? 
My bank XXXX XXXX was able to pull back the transaction from Western Union. Now, Western Union collections department has sent me an email asking to provide my credit card account information or bank routing number and checking account number asking to provide to pay for the fraudulent charges.

I have spent considerable time and energy on phone calls to Western Union, police station and XXXX XXXX and physically visiting the police stations twice. It is painful to be a victim of fraudulent transaction and also being asked for the money stolen from your account. 

I dont want anyone else to be in the same situation which I am going through. My research on internet has found that Western Union lax system has been target of hackers and numerous people have been victim of fraud on their platform.
Consumer complaint received 2020-09-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed a collection account with Transunion numerous times. The first time, they removed it from my credit report. A few months later, it re-appeared and I disputed it again. This time, Transunion stated they were able to verify the debt. I asked them how they verified it and what proof was given to them and they stated that the collection company stated I owed the debt and that was enough proof for them. After a couple more disputes online with no success, I sent Transunion a letter certified mail with signature receipt disputing the collection account and gave them 30 days from the date of receiving the letter to investigate and remove the negative item. After 60 days of them receiving the letter, they responded with a letter stating that they verified the debt and provided no proof of how they did. On top of that, they went well over the 30 days required by law to complete their investigation or they have to remove the negative item. 

They now refuse to investigate the negative item on my credit report and will not provide any proof of how the collection company verified the debt.
Consumer complaint received 2022-10-18
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: EQUIFAX, INC. (TN)

On XX/XX/2022 and XX/XX/2022 I sent letters regarding inaccurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the person.
Consumer complaint received 2020-09-02
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. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and my 30 day to comply was sent on XX/XX/2020.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (GA)

I went XXXX Store XXXX Store located at XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, GA XXXX and phone number ( XXXX ) XXXX in XX/XX/2019 and applied for wireless phone for 5 phone numbers. I left XXXX store with no phones received and no account created. I began receiving XXXX bills for wireless service, although, I had no XXXX wireless or phone service. I called XXXX store locally and XXXX national headquarters numerous times, but to no avail. Now, they have collection account on my credit bureau. I need this remove and cease and desist collection order to XXXX and Sunrise Credit Services. I have contacted XXXX, XXXX, and my legal services. XXXX  suggested I contact CFPB. Thank you for the wonderful service you provide to American people as US Government public servants.
Consumer complaint received 2023-03-29
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: TRUIST FINANCIAL CORPORATION (FL)

Regional Acceptance Corporation is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.
Consumer complaint received 2020-09-03
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. (IL)

My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ XXXX  XXXX
Consumer complaint received 2020-09-03
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. (FL)

DEPT OF EDUCATION/XXXX  {$37000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information DEPT OF EDUCATION/XXXX  {$31000.00} Balance updated XX/XX/XXXX 3 late payments This account is in forbearance and is showing late 3 late payments from XXXX XXXX XXXX XXXX this is incorrect information
Consumer complaint received 2020-09-03
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. (FL)

I submitted a dispute to XXXX, XXXX, and TransUnion on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report.

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium.

After contacting each bureau I was instructed to contact CFPB and file my complaint.

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2020-09-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

My residence in XXXX XXXX, IA was severely damaged during the derecho storm on XX/XX/20. I was without power for 10 days and without Internet service for 12 days. I contacted Bank of America to request assistance with the property claim process as well as for assistance with payment options related to my mortgage due to the FEMA recognized disaster.

I have spent over 5 hours on hold with multiple Bank of America numbers ; I have been in contact with 7-8 different representatives. Only a few representatives have been helpful, while others just transfer me. I have also left voice mail. I have been told that my account has an alert regarding the disaster and that payment options are available. However, nobody has been able to assist with reviewing the payment options.
Consumer complaint received 2021-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (TX)

This medical debt is the result of an emergency XXXX due to an accident, our insurance company XXXX XXXX XXXX XXXX said that being an accident they covered 100 % and that we should not be billed and recommended that we contact the hospital we did and they said it was an billing code error and they will fix it, then an collection agency placed it on my credit report, I disputed it and XXXX XXXX said they contacted the agency and that the debt collection agency said it was correct.. I am now respectfully requesting your help.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (CT)

My account is set for automatic payment from my checking account. The XXXX XX/XX/2020 statement showed a XXXX balance because of a payment from my checking account of {$2.00} on XXXX XXXX. The checking account was closed because of fraud. With all the changes and challenges with COVID, I forget to update my information with you. I did not know the payment was returned until the XXXX bill. I immediately paid the bill. I had no idea the payment had been returned until the XXXX bill came. The XXXX statement closed on XXXX XXXX and had a XXXX XXXX payment due date. I made the payment on XXXX XXXX. However, I have 2 late entries on my credit report for the {$2.00} balance. If the {$32.00} was not due until XXXX XXXX ( as per statement ) and I paid on XXXX XXXX, why was I hit with another delinquency. 

I contacted Target Card Services and complained about after paying {$30.00} in fees on XXXX XXXX. They said there was nothing they could do about the fees or delinquent flag. I got a copy of my credit report in XXXX. I was unhappy to see two 30 day delinquent charges. I called and wrote letters. Nothing has happened.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

In late XXXX, a vendor ( XXXX XXXX XXXX ) returned a bill pay check to me without having deposited it ( I had accidentally paid them twice ; once with credit card so they returned the check ). I called Capital One on XX/XX/XXXX to ask how to get the funds re-deposited into my checking account. The call got dropped a few times and, in the interim, I sent XXXX messages to the bank ( see attached ) and was told to mail the check to the bank. I did that the same day. Ultimately, a phone representative told me the check would be cancelled and re-deposited. 

When the funds were not re-deposited in a few weeks, I called back a few times during the month of XXXX and was told I need to keep waiting for the re-deposit to be completed. I called several more times and each time I was promised a call back in a few days ; I never once got a call back. 

Finally today ( XX/XX/XXXX ) I was told that on XX/XX/XXXX the check was cleared by XXXX XXXX. I don't see how that's possible given ( 1 ) I was told on XX/XX/XXXX the check would be cancelled ( see attached ) and ( 2 ) I mailed the un-deposited check back to Capital One at the address provided on the same day ( see attached ). I also wasn't told about the check clearing on XX/XX/XXXX on all of the other calls between mid-XXXX  and today. The phone rep wouldn't even listen to my explanation above and basically said I was a liar. I have better things to do than defraud Capital One over {$140.00}. Indeed, I think I will use that time to look for a new bank that trusts and listens to its customers.
Consumer complaint received 2020-09-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

The company provides a phone number XXXX. Unable to connect to a live human being to get an address updated on my statement. The statement reflects the incorrect property addresss with the mortgage. The phone number is an endless phone tree that does not allow me to connect with someone to fix this problem. This is a faulty process that does not allow customers to adequately get their loan services.
Consumer complaint received 2020-09-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VALLEY CREDIT SERVICES, INC. (WI) (MD)

they claim my hospital bill was not paid. i got a copy of my bill from XXXX XXXX XXXX and the bill say XXXX owe. This is a charge off debit. When i checked the company address it is different from website plus a p.o. box address. I had medical insurance which the bill was sumbitted to XXXX and Valley Credit Service refuse to take it of my credit report. The name the bill is from is XXXX XXXX XXXX. XXXX  XXXX XXXX, md XXXX for hospital say on XXXX to XXXX billing me for XXXX. Since my dispute they have changed there address to XXXX XXXX XXXX XXXX, va XXXX phone number XXXX
Consumer complaint received 2020-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC (OH)

On XX/XX/2020 I spoke with XXXX at XXXX XXXX who advised she was a manager on  a recorded line. She provided details regarding a medical debt and advised that the account had not been sent to any of the 3 major credit reporting agencies. She did advise that if I made a payment of {$320.00} in full it would ensure the debt would not be reported to any credit reporting agency. I paid the debt in full as agreed upon. Later that afternoon, I was made aware by XXXX XXXX that the XXXX XXXX XXXX had been reported to the credit agency. I returned a call to XXXX XXXX and spoke with manager XXXX in the XXXX office who further advised that no account with XXXX trade line had been reported. I explained that it had been and asked if it would be deleted based on the assurance Id been given. I was told that they would not delete. I feel that this company acted in a deceitful and unfair manner. During a pandemic financial hardship, Im trying to protect and repair my credit. I tried to do honest and fair dealings with XXXX and they use deceptive practices to collect a debt. I am requesting that XXXX remove all trade lines from all major credit bureaus due to them unfairly advising me that they had never reported. Please any support that the CFPB can provide in resolving this issue would be greatly appreciate.
Consumer complaint received 2020-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

I received an upgrade offer for an american express card that i accepted, it was XXXX membership rewards points after XXXX spend on the card. After meeting the requirements i received the points but then i downgraded the card because they lowered my credit limit from somewhere around XXXX $ to {$1200.00} which is terrible for my current spending making the card useless for me so i thought it was better to downgrade since i cant really make big purchases on the card making it useless with the big annual fee that it had. 

Now the problem is after downgrading the card they put my rewards points in a negative XXXX balance for " abuse, misuse or gaming '' when in fact that wasn't why i downgraded the card it was because they lowered my credit limit randomly to XXXX $ a month after upgrading to the offer for no reason what so ever. 

My current income is XXXX per year and i have perfect credit and lots of other cards with higher credit limits then the one they lowered me to so this is not a reasonable credit limit for me making the card useless for me so i had to downgrade it. 

Please help with this thanks!
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries. I have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. # 2. XXXX XXXX Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX- Loan Amount {$1300.00}, XXXX XXXX. # 4. XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX -Loan Amount {$0.00} XX/XX/2020.
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I filed a previous complaint with the CFPB and HSBC responded stating I did qualify for the bonus. I requested an account number and received no account number. I received a debit card and no pin therefore can not register online. Today XX/XX/2020 I called again and they said they I didn't qualify for the bonus because I didn't use the promo link. At this point I want the account closed.
Consumer complaint received 2023-03-08
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: EQUIFAX, INC. (MD)

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 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 2020-09-02
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and my 30 day letter to comply was sent on XX/XX/2020.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Caliber Home Loans, Inc. (NY)

I have contacted Caliber Home Loans numerous times about this issue. I Filed Chapter XXXX And it was converted to a Chapter XXXX. On my Credit Reports, Caliber Home loans refuses to show the account as included  in Bankruptcy. This is damaging my score as they are in clear Violation of the FCRA and the Bankruptcy Code. I received my Chapter XXXX discharge on XX/XX/2020. This is ridiculous that I can not move past this mortgage company.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, 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. (PA)

I have identified credit inquiries which should not exist on my credit report, because 1. ) I did not authorize them ; or 2. ) they were executed fraudulently. I have contacted TransUnion on numerous occasions to investigate and then remove. To date, such actions have not happened.