davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-19
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: EQUIFAX, INC. (CA)

Equifax continues to neglect to properly investigate inaccurate information thats being reported to my credit file. I've sent police reports and fraud affidavits to Equifax to help aid in correcting the issue but Equifax continues to ignore information and not correct. XXXX XXXX   and XXXX XXXX XXXX is a direct result of ID Theft.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Requested a copy of free report from TransUnion on XX/XX/XXXX ; report was to arrive on or before end of 15 business days. Report did not arrive within 15 business days on or before XX/XX/XXXX.

Called TransUnion on XX/XX/XXXX to report I never received my free credit report.

I was told my free credit report had been mailed and I should have received my copy.

TransUnion agreed to send second copy on XX/XX/XXXX and it would be delivered to my home address by no later than XX/XX/XXXX Did not receive my free copy of credit report by XX/XX/XXXX Tried to call TransUnion on XX/XX/XXXX. My phone calls were disconnected three times.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc. (FL)

A letter sent to NCC Business Services Inc, XXXX XXXX XXXX # XXXX, XXXX FL XXXX requesting the following : Explanation of what the amount owed, additional collection fees and how it was occurred. 
Copies of all documents and identification of the original creditor. 
Proof that the Statue of Limitations has not expired on the account. 
Proof that you are licensed to collect in my state. 
Your license number and Registered Agent Documentation. 
I also advised the collection agency that the amount owed was paid when we moved out of the apartment ( XXXX XXXX ) and the amount they are requesting is extortion. NCC is stating I owe {$2700.00} and has been reporting it to my credit report since XX/XX/2012. I have suffered 6 years of extortion of fees, negative/false credit reporting and have requested for the item to be removed but the company has not done so.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: PNC Bank N.A. (NJ)

I lost my house to foreclosure and lost my checking account record 's and I can not prove any payments pnc bank will not provide old statements please help me get copies of statements for XX/XX/XXXXand XX/XX/XXXX
Consumer complaint received 2018-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This complaint is associated with complaint XXXX. XXXX XXXX unlawfully and fraudulently billed me {$490.00} for a future service I do not need and do not want. I have now uncovered that XXXX XXXX somehow unlawfully obtained my credit card information as I did not provide them with this credit card. It appears that either the Credit Card company illegally provided XXXX XXXX with my credit card number or XXXX XXXX obtained it on their own in an unlawful way. I have reported this as fraud and my credit card company refuses to remove from my billing and it is a lot of money. The fraud is also appears obvious as XXXX XXXX sent the credit card company documentation that has nothing to do with the forward billing of {$490.00}.
Consumer complaint received 2018-03-19
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (DE)

None of your selections apply to my complaint. It is the overall credit process that has me upset. In summary : - when we refinanced our house in XX/XX/XXXX our average scores were both XXXX! ( We have worked hard at keeping our credit in the very good range. ) - today, my avg. is XXXX and my wife 's is XXXX - absolutely nothing has happened between XX/XX/XXXX and now except : -- we moved out of state and opened a local bank account and a local credit card -- we bought a car -- we re-financed the car to save , and in the process of switching missed a single payment due to confusion over which lender had the loan -- we are now in the process of buying a house and applying for a mortgage I fail to understand how the actions above have resulted in such a significant drop in our credit scores. A drop, sure, but this big of a drop is going to cost us a great many dollars over the next 30 years - and new we're retired and on a fixed income! 
This is egregious in my mind. I guess this is how the process works, but I still find it outrageous.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Synovus Bank (IL)

Applied for a XXXX XXXX  secured credit card on XX/XX/18. Funded with XXXX of {$1000.00}. Review of bank acct shows {$1000.00} was deducted twice with two separate transfers for a deposit of {$2000.00}. Checked with company who has no information re : deposit or application. XXXX XXXX now wants another {$1000.00} now to process application.

Contacted XXXX XXXX to resolve issue, unable to locate deposits. ( XXXX XXXX XXXX transfer reference # 's available showing both transfers to XXXX XXXX ). XXXX XXXX Incident reference # XXXX.
Consumer complaint received 2018-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (TX)

Midwest Recovery has made numerous attempts to collect a debt that I no longer owe. They list several accounts under my name with an original creditor of XXXX XXXX XXXX XXXX First of all, the original provider failed to bill Medicare per contract. After the statutory time elapsed to file a claim, the original provider turned over the accounts to collection. I settled this account for a lesser amount with an earlier collection agency in order to remove it from my credit report. That agency represented XXXX XXXX and was called XXXX XXXX. There is no further obligation on my part -- if Midwest Recovery purchased these accounts, it was to their detriment as the accounts were settled long ago. 

I have asked Midwest Recovery to validate the debt and they have ignored my request.
Consumer complaint received 2018-03-19
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 — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX  and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate.
Consumer complaint received 2018-03-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

XX/XX/2018 made contact with creditor that this account is not my and I have never requested such loan and was referred to make a complaint on line with the FTC and they do not want to take it off my credit report.
Consumer complaint received 2018-06-06
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bull City Financial Solutions, Inc (NC)

I was contacted at my placed of employment by Bull City Financial. I believe that I owe {$220.00}, which is an estimate. I have spoken to them before to try and resolved the debt but advised at the time that I had to call back to make sure I had the funds in place. This was during the week of XX/XX/XXXX, and I can not remember the exact date that week. My father recently passed and reviewing old debt was the last on my list. When I spoke with a representative on or about the end of XX/XX/XXXX, my contact information was verified with them. Today XX/XX/XXXX a  representative called me on my work phone without authorization. They were not advised that this was a viable number to call and it is disruptive to my work. I would like them to be sited for their debt collection practices and this cause undue stress and reprimand from upper management.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

As of XX/XX/XXXX item is reporting as 90 Days late. The item was paid in full and on time. I called customer service in XX/XX/XXXX regarding the issue but the item is still showing on my credit report.
Consumer complaint received 2018-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/XXXX, I received confirmation from XXXX that a buyer in XXXX won the bid for my XXXX XXXX. The posting had a no return policy. I received an email from PayPal confirming the payment. On XX/XX/XXXX, I shipped the phone to XXXX. The buyer refused the phone because they did not want to pay the custom fees. They requested a refund through XXXX, which I refused at the time because I did not have the phone. I asked XXXX what were my rights as seller. They stated I could give a partial refund, a full refund, resent or whatever I chose because I handled my responsibilities as the sell. They then requested a refund from PayPal. At that time the phone was still in transition and I declined. PayPal sent me an email stating the case was resolved in my favor. I received the phone at a later date. I communicated with the buyer and asked them what would they like to do. They stated they wanted the phone and requested I put it for a lower cost due to customs. I advised them I could resend but they would have to paying the shipping cost to resend. I was unable to get in contact with the buyer on PayPal. On XX/XX/2018 I checked PayPal and see my account is a negative XXXX and I only received {$850.00}. I contacted XXXX for the refund for my listing and PayPal to dispute the amount my account was being deducted and to offer a partial refund to the buyer. PayPal refused to give any credit even after deciding in my favor or only charge me the amount I received. They stated my case was closed and they refused to reopoen. However, I also received an email from them stating I had to XX/XX/2018 to dispute. And now they are refusing to reopen or create a case on XX/XX/2018.
Consumer complaint received 2018-09-21
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: EQUIFAX, INC. (CA)

I faxed a letter to EQUIFAX last XXXX of XXXX to dispute the XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX, OPENED XX/XX/2012 they are reporting on my credit report. To my surprise, a rep named XXXX called me from Equifax asking me what account I am disputing when it clearly shows on my letter which account it was. As I write this letter, this incorrect/invalid account continues to damage my credit file and Equifax doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XX/XX/XXXX and a copy of the letter I am sending them again today, XXXX XXXX. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.
Consumer complaint received 2018-09-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hewitt-Capital (TX)

I am being harassed by a company that refers to themselves as XXXX XXXX   XXXX. My family, friends, and I get phone calls frequently stating they have an open case against me that is being filed with the county or that I need an attorney because Im being sued. These calls phone calls are disruptive to my work life and could cost me my job. Ive blocked them numerous times but they continue to call with different numbers. They are relentless. They tell lies, use fear and coercion to make you pay. The most recent number they called with was XXXX at XXXX to myself and my XXXX XXXX XXXX father advising a case was filed against me with the district attorneys office and I am being served. Nearly gave my poor old father a XXXX XXXX.
Consumer complaint received 2018-09-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

Greetings, On XX/XX/2018, I initiated a transfer of USD XXXX via Western Union to my sister ( XXXX XXXX XXXX XXXX XXXX ) in XXXX, XXXX ( XXXX XXXX ). She could not collect that money because she was denied by the cashier without any further explanation. 
Of note, there was another transfer made by another family member to the same receiver XXXX XXXX XXXX XXXX XXXX ) to be picked up that same day ( XXXX XXXX ). She effectively collected that one in XXXX on XX/XX/2018, at XXXX local time. 
Given that the transaction # XXXX XXXX was denied, I reached out to Western Union for a refund, which they declined, claiming that it was paid to the receiver. I opened an incident report for clarification. Upon investigation, Western Union claimed that the money was collected in XXXX, a city about 150 miles away from XXXX on JXX/XX/2018, at XXXX XXXX EST ( i.e XXXX local time ). 
I reached out to Western Union again and I provided all the required documentation for the investigation. I remember speaking with XXXX ( fraud department ) who, upon review of the documents, agreed that it is unlikely that the money was collected by the receiver. She promised to escalate the case to the higher authority within Western Union. The last time I spoke with her, she recommended that I file a claim with the police. 
In summary 1. Transfer # XXXX XXXX : declined 2. Transfer # XXXX XXXX : collected on XX/XX/2018, in at XXXX in XXXX, XXXX 3. Request for a refund on the declined transaction is rejected by Western Union 4. Western Union claims that Transfer # XX/XX/XXXX XXXX was collected on XX/XX/2018, at XXXX in XXXX, XXXX Major discrepancy : The same person could not have collected two transfers within 14 min in two different cities that are at least 150 miles apart ( comparable to completing two transactions PHYSICALLY in XXXX and XXXX within 14 minutes ). This is humanly impossible even if traveling by air. Besides, the transportation infrastructures in XXXX are not among the best in the world. 

I really need your help with this matter. USD XXXX ( plus fees ) is too much money for me to lose. Western Union needs to refund my money if they can not explain to whom it was paid to. It was definitely not to the receiver I requested according to their terms and conditions of service. 

Sincerely,
Consumer complaint received 2018-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have had Mastercard with Capital One for quit a while. A few months ago someone got my credit card number and used it on various purchases and when I found out about it I filed a complaint with Capital One and just today I received 2 letters from a employee XXXX stating the fraud issue had been solved and should show on my statement .. First of all she had no clue that my account had been closed because of the fraud issues.. I spoke to a supervisor and he too didnt know it had been closed.. I asked if I could have a new card because of the fraud had been settled. Everyone told me I needed to apply but I had already applied but because of the fraud my credit isnt good and they refused me with a new card.. But there isnt a person that I spoke to had no clue. Evidently they dont leave notes. I went on line to view my account and of course there wasnt anything there.. All I want is a new card and not one person will help me.
Consumer complaint received 2018-09-21
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: Experian Information Solutions Inc. (NJ)

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Consumer complaint received 2018-09-21
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. (NJ)

I've been making payments to my account since the opening of my loan in XX/XX/2018. My payments are due the XXXX of each month for {$920.00}. I noticed that the month of XXXX on my credit report that it shows I am 30 days late. I am not currently 30 days late and on my report it states my status was updated on XX/XX/2018 but my payment is due XX/XX/2018. I contacted XXXX XXXX XXXX ( XXXX ) via the phone to speak with someone but the Manager was extremely rude to me. The Manager even told me if I can not afford the car then return it. I then wrote a 'Good Will '' letter explaining my situation. I explained that I recently went through a divorce and I've been having competing personal priorities. But I have been making my payments within the 30-day time frame. I knew that I was not 30 days late and I was even having problem with their phone system when making my payment. I spoke with another representative and was advised to use the  online site to make another payment. I was assured my account was in good standing. After getting the alert I missed a payment with XXXX I immediately reached out to dispute this claim. This 30 day late payment is gravely affecting my credit and even through my divorce I've worked hard to maintain my credit status. As a consumer I want to make sure I can trust my lender to practice fair practices.
Consumer complaint received 2018-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   XXXX : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX Transunion : XXXX.