davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-16
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: ALLY FINANCIAL INC. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : Ally Fincial Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2018-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

On XX/XX/2018, I transferred USD XXXX from my brokerage account at XXXX to my bank account at HSBC XXXX XXXX. The bank delayed my transfer for quite long time. After my complain ( Case # XXXX ) on your website, we got the money on our HSBC bank account on XX/XX/2018 and got apology letter from HSBC customer service as attached. But on XX/XX/2018, HSBC Bank suddenly returned my money to my brokerage account without any notice. We called XXXX XXXX XXXX customer service and the customer service person replied that she can't do anything and the relevant department didn't want to give any explanation. I also sent following email to the customer service manager of HSBC XXXX XXXX   twice but got no reply : " On Sat, XX/XX/2018 at XXXX XXXX, XXXX XXXX <XXXX> wrote to <XXXX> : Dear XXXX, Regarding our transfer of USD XXXX from our XXXX account to our account XXXX in your bank, though the money arrived to our account on XXXX XXXX, the arrived money was returned to our XXXX brokerage account on XXXX XXXX. We didn't make such transfer and found the return was generated by system. We contacted XXXX and XXXX replied that it was not generated by XXXX and XXXX just received that money from your bank. Pls check whether your bank system generated this return transaction and explain the reason to us. Our family need to pay my son 's tuition and moving home expense in XXXX ( this month ). The delay of last transfer and this time 's automatic return by system caused us not only wasting a lot of our time and efforts but also worries and mental stress of potential default. It caused my wife 's XXXX XXXX. 

Looking forward to getting your prompt reply. 

Thanks Best, XXXX XXXX XXXX XXXX XXXX XXXX "
Consumer complaint received 2018-07-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

I never authorize this account to be open at no point and i have call the bank to fix this and they only give the run round everything. i contacted them 3 days ago and they said i dont have no account with a negative balance but in my XXXX XXXX it came up with a negative balance and this is not letting me open other banks account.
Consumer complaint received 2018-07-15
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. (WI)

I am a victim of identification theft. My information was stolen via a data breach with XXXX. I have tried on multiple occasions to have the fraudulent accounts removed from my credit reports to no avail. I have sent the credit reporting agencies copies of my police report, FTC affidavit, and my signed sworn declarations but they refuse to remove the fraudulently opened accounts.
Consumer complaint received 2018-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (MA)

I took loan from Wells Fargo through XXXX XXXX XXXX. I bought the Furniture around {$4000.00} per Zero Interest rate for one year. I paid {$1700.00} for {$150.00} ( 11 Monthly payments ) and {$1500.00} total of {$3200.00}. I only have to paid {$770.00}. The problem is they charged me over {$1000.00} for interest rate on XX/XX/2018. I made my direct monthly payment through phone. But they misguide or mistakenly they made the minimum payments of {$150.00}. Now they charging me interest rate and I wasn't agreeing when I took the loan.
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Simpson, Uchitel & Wilson, LLP (GA)

XXXX XXXX law firm ( Prior complaint no XXXX ) did not respond to my previous complaint filed on XX/XX/2018.with your agency regarding a debt they bought from XXXX XXXX XXXX. 

On XX/XX/2018, I received a letter at my work address machine dated and envelope postmarked XX/XX/2018, XXXX XXXX XXXX marked XX/XX/2018, from the XXXX GA law firm of Simpson, Uchitel and Wilson, LLP threatening a law suit on the XXXX XXXXXXXX XXXX debt if I did not respond within ten ( 10 ) days of the date of the letter.
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (CA)

Recently issued a dispute on XX/XX/2018 about multiple charges stemming from XXXX with my Discover credit card. 

These charges were fraudulent and I did not authorize them or dealt with this company at all. 

The charges totaled more than {$37000.00}. 

I received disputes favoring me in total of {$7000.00} and was on the hook for the rest of the disputes over {$30000.00} even though they told me that after the investigation XXXX failed to communicate with them and provide Discover with any evidence or transactions. 

I received no written communication of the reason why I did not win all the disputes or any written communication with Discover at all through the whole process. 

After receiving multiple emails on XX/XX/2018 about most of my cases being valid ( even though they got no communication with XXXX  ) so they basically decided the charges were valid with no evidence to back this up. 

I then communicated with Discover chat about this issue and they claimed that I had dealt business prior with XXXX XXXX  which is completely false I had no idea what XXXX XXXX even was. 

They just then referred my cases to the actual fraud department instead of billing disputes ( the department I should have been referred to for my issue in the first place ). 

I will post an update after their investigation is complete about how the fraud department chooses to handle my case.
Consumer complaint received 2018-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (TX)

I was renting merchandise from XXXX XXXX here in XXXXTexas I could no longer afford to pay for these things so I had them to pick it up from my home the manager by the name of MR.XXXX came and picked up these things his self. which means I do not owe anything they got items back. And years later a collection company called XXXX XXXX XXXX is reporting this as 3 collection account one for XXXX, XXXX. I have disputed this and they will not remove it so I called the company and they tell me they do not have this account anymore it was given to a company called XXXX XXXX so why is it that they are still reporting this and don't even have the account some one does I called the reporting agencies and they say its nothing they can do I have to call the company reporting this they report what they get from the companies. it is on my XXXX, XXXX and XXXX
Consumer complaint received 2018-07-16
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. (OH)

I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. Below is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
Consumer complaint received 2018-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

I have the knowledge to believe that my personal information such as my name, social security number, and date of birth may have been compromised due to identity theft. I have previously tried to address this matter and failed to come up with a positive solution. This particular item for an account that I never set up has been lingering on all three of my reports for some time now. I chose to address the matter with you all to make additional attempts in settling my dispute.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2018 checking my credit report I see XXXX Removed XXXX points from my score for opening an account TransUnion only XXXX with more changes on my report I feel XXXX is doing this to get back at me for the ongoing dispute I have with them .I never heard of that many points takin for opening a account
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

XXXX XXXX XXXX XXXX is reporting two items on my XXXX credit report. {$100.00} and {$100.00} respectively. I made these two payments in full XX/XX/2018. As of today, XX/XX/2018, it remains " OPEN '' and " PLACED FOR COLLECTION ''. I had paid two other collection companies on the same day and those have been updated/removed from my credit report already. This delay is unacceptable. I can provide evidence of these two charges having been paid via credit card billing statement. The company is NOT taking any effort to provide resolution or escalation to correct the credit report. They continue to tell me " check next month '' and " kick the can down the road '' which is unacceptable.
Consumer complaint received 2018-07-16
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

On XX/XX/XXXX, I reviewed my mortgage deed that was granted to me XX/XX/XXXX on property : XXXX XXXX XXXX, XXXX, PA XXXX. I noticed numerous unauthorized recordings that took place without my knowledge. What caught my attention was notarization by XXXX XXXX in XXXX, Texas with a " XXXX XXXX '' signing representing Rushmore Loan Management Services, XXXX   as Vice President in its attorney-in-fact & " XXXX XXXX '' signing ( on the same documents transfer ) representing as a " AVP '' of XXXX XXXX XXXX XXXX. After careful research, XXXX XXXX is VP at Rushmore Loan Mgt. Services, XXXX and affiliated with XXXX XXXX. XXXX. When I notified XXXX XXXX XXXX XXXX, the rep. did not recognize the name on file of a " XXXX XXXX '' as AVP representing XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, XXXX XXXX XXXX XXXX XXXX " Grantor '' transacted and recorded a mortgage assignment to " Grantee '' XXXX XXXX LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, unknowingly and without notification to me, " Grantor '' XXXX XXXX   LEGAL Title Trust, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX recorded a mortgage assignment to " Grantee '' US ROF II Legal Title Trust XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All the companies and assignees involved XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Rushmore Loan Mgt. Servces, LLO VP- XXXX XXXX , XXXX Legal Title Trust, XXXX XXXX XXXX , XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX under XXXX XXXX, all notaries : XXXX XXXX representing XXXX  as Assistant Secretary, XXXX XXXX located in CA., XXXX XXXX located Texas , and the unidentified robo-signer XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX as Its-Attorney-In-Fact. All above information is backed with verifiable documents that are current.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (AZ)

Nelnet has been double reporting my accounts for months. I have reached out and asked them to tell me which two of the four accounts they are reporting are correct. I have asked them to tell me what other loans are consolidated into the accounts that I have with them. They keep refusing to do this. And they did a hard pull on my reports when I complained, even though I have provided them proof of their incorrect reportings. Since I supplied them with the account numbers they are reporting at each bureau all I have gotten back is nonspecific form letters where they say they refuse to investigate it further. They are hindering my ability to obtain the credit I need by their lack of proper reporting.
Consumer complaint received 2018-07-16
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. (NY)

I disputed the following accounts with Experian on XX/XX/XXXX, requesting that they reinvestigate the accounts. They said that they verified and updated the accounts during their reinvestigation, which was concluded onXX/XX/XXXX Report # XXXX, but they didnt actually verify, and they are continuing to report the accounts on my credit report, which is a violation of the FDCPA and the FCRA. They also failed to update status date which means they never conducted a reinvestigation as required by the FCRA 611. Its been over 2 years since any of these account have been investigated or reinvestigated.

1. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 2. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 3. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 4. XXXX # XXXX : No status update sinceXX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 5. XXXX XXXX # XXXX : No status update since XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT 6. XXXX # XXXX : No status update since XX/XX/XXXX. Account was never reinvestigated. FCRA VIOLATION DELETE ACCOUNT Failure to conduct a reinvestigation is a violation of Fair Credit Reporting Act ( FCRA ) I want the above-mentioned accounts deleted immediately.
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2018-07-16
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: Convergent Resources, Inc. (OK)

at this time they have to different collection companys reporting on a single account XXXX XXXX is reporting I owe XXXX to XXXX and XXXX XXXX is reporting to report I owe XXXX to XXXX I have disputed and they removed account now XXXX  is placed back with out 5 day re insert notice and another collection account is added for 1 single account that was unverified. 
certified mail track number-XXXX XXXX XXXX XXXX XXXX as they are aware you cant have to tradeline names reporting on a single collection account, that defimation of credit report and is unlawfull to low score, at this time I do entend to file suit on this matter you are in violation of the fcra.
Consumer complaint received 2018-07-15
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. (IN)

My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XX/XX/XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.
Consumer complaint received 2018-07-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (PA)

I purchased this car at the end of the lease, for the exact Purchase Option amount specified in the lease ( {$13000.00} ). I was told by GM Financial representatives, more than once, that GM Financial could not sell me the car directly since I lived in Pennsylvania, but that I could go to any GM dealer in the area and they could take care of it. I went to XXXX XXXX   XXXX in XXXX, PA on XX/XX/2018 and executed the transaction, or so I thought, but I continue to get statements and bills from GM Financial for Lease End Liability charges totaling {$3500.00}. On several subsequent calls to GM Financial, I was told XXXX XXXX could straighten it out, but they seem as confused as I am. Since all I did was execute a contractual option in the lease, and follow the steps I was given by GM Financial to do so, I don't know why I'm in the middle of what is apparently an issue between GM Financial and XXXX XXXX.
Consumer complaint received 2018-07-15
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. (NY)

I am being hit with a hard inquiry on XX/XX/2017 from XXXX XXXX. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.
Consumer complaint received 2018-07-15
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: STATE FARM BANK, FSB (NY)

I am being hit with a hard inquiry on XX/XX/2017 from state farm. I had called the company a while ago and they said they would remove hard inquiry as this was fraud and not authorized me.
Consumer complaint received 2018-08-10
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)

Equifax has continually and consistently failed miserably at maintaining any sense of accuracy, correctness, or fairness with regard to maintaining my credit report. 

During the course of the calendar year XXXX and eight months into the calendar year XXXX, I have disputed the incorrect reporting of duplicate accounts from XXXX XXXX directly with Equifax via mail, certified mail, and online via their customer portal. All attempts have failed, without any reasonable research, effort or response beyond the standard automated response from Equifax. 

The amounts being reported incorrectly are {$3000.00} on one entry and {$0.00} on a second. Both contain multiple inaccuracies, along with information that is simply wrong! These entries and inaccuracies are causing me many issues when trying to gain new credit or extend existing terms. This is not only wrong but illegal!
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NJ)

I used my Citibank credit card to purchase a set of ear buds. 
I have 120 day theft protection on purchases with my credit card. 
Within a month they were stolen from my gym. 
I go to a private gym in my building that has controlled access and only for use by members who live in my building complex. It is not open to the public. 
The battery ran down so I placed them in a cubicle with my cell phone and keys while I finished my workout. 
The cubicles are provided for members to place their personal belongings in and members put their cell phones, pocketbooks, keys, etc. 
The cubicles are in the same room as the equipment. 
The ear buds were missing when I went to retrieve my items. 
I reported the theft, obtained the police report, and submitted a theft protection claim with Citibank for {$130.00} ( the cost of the earbuds. ) Citibank never responded in writing. On the phone they denied the claim since the earbuds were not locked up. I appealed however Citibank refused to honor the benefit.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX I received an email about a previous claim that still has not been handled. 

I received paperwork that needed to be filled out, so I filled it out and sent it back. Still has been no resolution on the fraud investigation from what seems like way longer than 90 days ago.