davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
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: NAVY FEDERAL CREDIT UNION (MI)

I filed a dispute with NFCU on XX/XX/XXXX about two charges that were paid in advance for a trip that was to take place on XX/XX/XXXX and end on XX/XX/XXXX. The first charge was on XX/XX/XXXX for XXXX and the second charge was on XX/XX/XXXX for XXXX. The other charges for the trip was paid with a different credit card. Music getaways sent an email on XX/XX/XXXX notifying me that the trip has been cancelled due to unforeseen circumstances. I called the XXXX XXXX XXXX to find out that music getaways never paid the XXXX for our reservations which led to the cancellation of our trip. Since then music getaways have sent out an email talking about refunds that he have no intention of giving. I have not spoke with anyone from this company. I have sent an email to music getaways asking for a full refund because our monthly payments were not applied to the Hotel. NFCU have issued me a temporary credit upon investigation and are still waiting for music getaways to respond. Music getaways have wiped my account clean where it doesnt show that I even purchased a trip to the XXXX XXXX XXXX XXXX Also music getaways have filed bankruptcy on XX/XX/XXXX. They are telling the banks that they have a no refund policy and they have issued credit for the trip which is all lies. XXXX giving you complete access to my accounts for your records so you can see all disputed accounts are wiped clean and no credit is applied. I have always asked for a refund never a credit for transfer to a future event. As far as the future event thats not going to happen because music getaways have filed bankruptcy and furthermore hes not allowing anyone to transfer because we filed a dispute. Enclosed I have proof that funds were never paid to the XXXX XXXX XXXX they provided all customers with this letter stating they never received payment. So the non refund policy should not apply because the event was canceled for non payment from music getaways. On top of that music getaways have filed bankruptcy and have no intention of giving us a refund or credit. Please pay attention to the Responsibility and limitation of liability section in the waiver we signed for the trip. It states that payments are not kept by music getaways all payments are paid to the hotel. I also have a copy of the email that was sent by music getaways canceling the trip two days prior to departure. Good thing I have copies of my purchase with music getaways.
Consumer complaint received 2024-11-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My wife and I are XXXX Citizens in good standing. We recently moved to XXXX XXXX and applied for residency. We found a lot that fits our needs and we wish to build a house in the near future. On XX/XX/XXXX, I initiated an international wire for {$15000.00} to send to our respected attorney in XXXX XXXX. The wire was not released until XX/XX/XXXX because the USAA compliance office had questions about the recipient as she has a very common name in latin culture and apparently there is someone with her same name and date of birth who has a XXXX  and XXXX passport that must be on some kind of list. All of the communications with their office of XXXX  were done by email which allowed me to verify the authenticity of the requests. They did finally release the wire 10 days after I submitted the initial wire. We were able to pay the earnest money for the lot and we have a signed contract to buy the property. On XX/XX/XXXX, I initiated the final payment to the same recipient. The amount of this wire is {$170000.00}. I specifically asked before sending the wire if we would go through the same issues with the second wire as we did with the first because there are some very important time deadlines involved with this transaction. I was told the intial wire was released, the questions or issues were resolved and this second wire should go much smoother than the first one. The money was deducted from my account on XX/XX/XXXX, the same day I initiated the wire. During the first week of XXXX, we received confirmation of an incoming wire to our attorney. On XX/XX/XXXX, our attorney told us that money never made it to her bank and requested that I call USAA in order to see what happened. I called USAA on XX/XX/XXXX only to find out that the wire had been cancelled. When I asked why, all I was told was that they tried to call me twice and left voice messages and since I didn't respond to these, they cancelled the wire. I know this to be a blatant lie because I monitor my messages very carefully and they never left any voice messages. In addition, if the wire had been cancelled, the money would have been returned to me. I am making as much noise on my end as I can to try to get a resolution but the bank is now stonewalling me.Because of the delays, we are now in jeopardy of losing our earnest money and they have locked up my money leaving me no way to make this transaction. They will not tell me why they have not put the money back into my account. I have an account at USAA because my father who passed away XXXX  years ago was a career veteran in the XXXX XXXX XXXX. Please help.
Consumer complaint received 2023-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX  to XX/XX/, I started buying XXXX through trader name XXXX who works at XXXX XXXX XXXX ( the company ) and I invested out of my pocket a total amount of {$50000.00} XXXX  not knowing that it was a scam. The bank never told me that it was fraudulent activity that they just closed my account due to unusual activity on XX/XX/ XXXX XXXX
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THIS IS NOT A DISPUTE : This is documentary evidence XXXX XXXX XXXX, registered agent has received the Court order that is issued in the United States District Court for the Southern District of Florida XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TransUnion, LLC.,. Case number : XXXX. In addition, ( Plaintiff ) has complied with the order by way of forward a copy of the Court order to the defendant ( s ) ( TransUnion, LLC. ). Please see attachments. Thank you for your timely cooperation. XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NY)

Listen simply stated, I found an issue based on a store card through Synchrony back in late XX/XX/XXXX in which a rep from Synchrony advised me, that my interest payments on a long term promotional purchase was not being paid off the way I intended. She looked back over my card going back 2 and a 1/2 years to find interest charged and fixed it. She told me a setting was needed to make sure interest was paid off on promotional balances " First '' and I needed to set that up. Since this was NEVER brought to my attention, I was thankful and luckily at least that was fixed. SHE told me to check my other Synchrony based cards and I did to no surprise, finding similar interest issues. So I have contacted Walmart Cards reps to get this resolved only to get canned responses and basically answers to questions that sound like they just deny me without even looking into my issue. This morning was the FINAL straw! NOW, reps are claiming that they have no notes from my older conversations and that even if I have claims going back to XX/XX/XXXX, they have been resolved, even though they can not cite to me how or produce proof why. They are basing their conclusions on NO NOTES. This is WRONG. I was promised an interest charge credit for XX/XX/XXXX for {$120.00} now going on a month and I still get a run a round answer
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DC)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1200.00}
Consumer complaint received 2023-04-19
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: JPMORGAN CHASE & CO. (CA)

I purchased a testing kit from XXXX XXXX on XX/XX/XXXX for the amount of {$33.00}. Within 15 minutes of placing the order, I emailed the merchant asking to cancel the order. They did not get back to me and ended up shipping the order. I refused the delivery of order with USPS ( XXXX ) and the item was sent back to the merchant unopened and untouched. However, the merchant has not refunded the amount and when I reached out to them, they said that they would not refund. 

I reached out to my credit card company ( Chase ) on XX/XX/XXXX about the issue to dispute the transaction. I paid for goods and those goods are not in my possession. However, they said that they could not assist with my dispute because the merchant does not offer a refund policy. 

I would really like assistance with this issue because I am now out of {$33.00} and I do not have any of the goods/services that were purchased in my possession.
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (DE)

I am currently disputing inaccuracies on my report with equifax, along with unauthorized inquiries to my report, but this complaint is to address all XXXX bureaus in accurate reporting of my utilization credit availability which affecting my score drastically. I have XXXX in credit, and utilization of XXXX across all avail credit which is less than 5 % but they are reporting 101 % utilization which if affecting my credit score drastically. Can you assist me in correcting this issue I have addressed it multiple times. 

Thank you in advance
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (GA)

Thank you for your help I Disputed this account and this is what they sent back. 
This Creditor did not Respond with the Information I Request in my letter.

I asked for Debt VALIDATION with my name their name and my signature to the debt with them Professional debt meditation, inc. not a Request For Verification or proof of mailing address. 
I need a document with their name, my name and my Signature
Consumer complaint received 2023-04-21
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (NY)

Please Delete hard Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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: EQUIFAX, INC. (NY)

Please Delete hard Inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-21
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (TN)

Debit card information was used on XX/XX/2023 at a XXXX XXXX and three unauthorized transactions took place totaling {$250.00}. A fourth charge was attempted on XX/XX/2023 but was flagged as fraud by the banking company. I was immediately notified of the fraud attempt and called the bank fraud line and spoke to one of their representatives. It was during this time the other unauthorized charges were discovered. My card was canceled at this point as well. On XX/XX/2023 when the charges were posted to my account, I disputed the transactions as requested by the banks representative.
Consumer complaint received 2023-04-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: NEW YORK COMMUNITY BANCORP INC (FL)

Flagstar Bank gave me a HELOC which I paid down. I got calls from collections for an amount that a $ XXXX payoff didnt cover ( {$500.00} ). Collections couldnt handle the full payment so transferred me to a different department which took the payment. I paid it in full from a XXXX XXXX account and 8 days later collections called again. Collections again said they had no transaction history ( departments must not share info ). Turns out they put the money toward my mortgage account. The collection practices are terrible. I also took a forbearance that they offered after XXXX XXXX and they bombarded me daily with collections calls. I paid the loan to stop the constant calls and mailings. Offering forbearance only to bombard and humiliate a customer is a terrible practice then to mistake a payment and harass a customer again shows bad practices.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SECURITY FINANCE CORP (FL)

I cosigned a car loan for my husband to get his car. Unbeknownst to me, that the dealer was doing several hard inquiries on my credit with multiple lenders. I would like to remove all companies from my credit that I DO NOT have any existing financial obligations, that have also done a hard inquiry on my credit reporting.
Consumer complaint received 2023-04-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been temporarily locked out for over two years all because my prepaid card was arrived with a misspelled middle name everything else is correct but when I go to the bank they see that it's not meeting banks policy due to it not being an exact match tellers explained to me the can not grant Access until I get my edd sponsor to fix my info making it match or else they can not help me then they redirect me to protective care with there help all the did was fully authenticate me over the phone and then they help me to get my weeks of certifications to go into the bank knowing my name on my card prepaid was not a match they still went ahead and allowed to break there biggest number one policy rule that's supposed to protect the banks assets as well as the customer so my point is they broke policy to allow deposits from a customer edd benefits and then I heard the lady slip and say yeah we will just make these types of clients make them deposites only so then I find out that there cashing me out but there not and they saying that they get paid me out well if they did then that's a lie cause that then would mean they had to break the bank policy a second time because my prepaid card still has no match due to the bank of America edd pre paid account s still to this day has not allowed me even access to a simple request like a balance check so these are my major complaints that s going to hit the bank harder then the recking ball and harder then any other settlement seeking total of XXXX XXXX for sure no one gets to break there own policy to benefit themselves by conveniency so I ask to please make my complete complaint as well as to please forward to the civil claims court for reasons of negligence as total reckless disregard to health and safety due to not having a fair banking system or along with that big major nono fact the bank has finally done its self a favor by destroying there own by not being that bank we thought was for Americans I am born and raised in California and I've been totally torn down from the un professional manner that's led me to entering hardship after hard ship now pain and sufferings has to be brought to light and needs to be addressed and resolved soon because XXXX XXXX will and can go up to XXXX XXXX so with no further delay let 's correct Mr XXXX XXXX XXXX by fixing the card and sending him a brand-new card wth correct spelling so I to can utilize my account that's been made to break policy apparently bank has failed miserably and still has not made right with such a loyal customer account I ask to send it to the local civil court house to start the process unless bank wishes to out pay me to resolve this serious indictment. That's my major concern the sooner they offer me a hush money amount like what I asked. For for having no policy intact while conducting daily functions where policy should have been place in full affect for
Consumer complaint received 2023-04-21
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. (GA)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXX XXXX  account number XXXX, and XXXX XXXX account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.