davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-17
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

When I went to the XXXX sometime this year for my medical purposes I used Western Union to send funds to myself. Long story short XXXX/XXXX/2016 I made an online transaction sending {$2500.00} for myself and suppose to be picked up at XXXX on the brach in the XXXX. Got an confirmation email from Western Union providing the MTCN #, that the money was sent and it will be ready to be picked up on XXXX/XXXX/2016. So I went to the branch on XXXX/XXXX/2016 and tried claiming the funds? For some unidentified reason they did n't release the funds. They made me sit there for hours and talked to the agents over the phone to see and find out what was the issue. 

I spoke to some of the agents but it seems that they did n't know what to do or tell me that time. I got so frustrated not being to able to get my funds and that really put me on a lot of XXXX and end up having XXXX of my XXXX. Spent so much money on long distance calls but it got never resolved when I was in the XXXX. I needed some funds that time to start my medical treatment. Since i didnt get any funds yet I had to rescheduled all my doctors appointments even my flight had to be cancelled and bought a new plane ticket. It was a huge setback for me XXXX with my condition. 

I believe that Western Union should be the one who 's responsible for this negligence. I used their service numerously and I am much aware of their policy in any circumstances. 
Instead of getting all mad and upset I told myself that I should deal with my medical condition first before anything. 

So when I finally had the chance I contacted Western Union to resolved this problem. XXXX/XXXX/16 I spoke to XXXX of the agent and explained what had happened she resolved and came up with a conclusion by telling me that I was due for a refund and will get a check in amount of {$2500.00} within XXXX10 business days in the mail. Waited almost 2 weeks no check arrived. So I finally called him again this time around they said I will follow up and I should be getting a phone call from XXXX XXXX of the senior supervisor but I did n't receive any phone call or whatsoever. Called couple of times they said the same exact thing that I will receive the check between XXXX business. As I kept following it up things that I was told from the beginning suddenly started to changed. I will stop my story from there because the story went on and on and on. Spoke to at least XXXX to XXXX different agents but nobody seems to have to knowledge or the proper training to resolved this problem. I wish that this get resolved soon as possible and all I expect really is to get what I really deserved.
Consumer complaint received 2017-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kross, Lieberman & Stone, Inc. (NC)

I sent my very first debt validation letter on XX/XX/XXXX via certified mail asking Kross, Lieberman and Stone to send me valid documentation proving that I owe them {$90.00}. I am aware that I used the Dental Services of XXXX XXXX back in XX/XX/XXXX. However, the charges were submitted and paid by my XXXX XXXX XXXX. I am unable to ascertain why I owe {$90.00}. In addition, the generic print-out that they sent actually shows that my dental insurance did pay. Are they balance billing me, if so, this is illegal. 

In response to their correspondence dated XX/XX/XXXX, I sent a second request for validation in XX/XX/XXXX via certified mail asking them to explain and breakdown the requested payment. The company simply sends me the same generic print out and in theIraq last response they included a copy of my drivers licence and a copy of my dental insurance information form. None of this helps me to understand their request for XXXX In addition, this bogus request has been removed from my XXXX and my XXXX credit files because the information they submitted for validation was insufficient. However, they are still reporting get erroneous information to XXXX. 
.
Consumer complaint received 2018-08-15
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: CNG FINANCIAL CORPORATION (OH)

Unauthorized hard inquiries from XXXX XXXX, XXXX, Axcess Financial, XXXX, XXXX, XXXX, and XXXX Interactive IN all occurring on XX/XX/2018. 

Subsequently I was contacted by XXXX XXXX XXXX on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

Throughout the past several years I have received several letters stating I owe an unpaid debt for the amount of {$380.00} to XXXX XXXX XXXX  XXXX XXXX XXXX addressed to a person named XXXX XXXX XXXX XXXX. I have a similar name and can only assume that is why I am being sent the letters. Each time I have received the letters I have notified the collection company to inform them that I do not owe the debt as I have never lived at these apartments and that the letter is addressed to an individual with a similar name as mine. Each time I have been asked a few questions as to my identity and have been told the letter is for a different person and the letters temporarily cease. However, eventually I received other letters and would like the company to cease and desist all further attempts to collect this debt from me that someone else owes them.
Consumer complaint received 2016-12-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA)

This company is scamming off of innocent people who just want to buy a car and improve their credit. First, they do not allow you to choose a car, they give you the one on the lot in the worst condition. for example, I purposely stated that I did not want a XXXX and that is the only XXXX they would let me have. I have since found out that the car is worth only {$200.00} and they charged me {$11000.00} for it with a 34 % interest. Since I bought this XXXX XXXX XXXX a year ago I have had to replace, the starter, the engine, the CAT, the ERG valve, the wheels, the tires, fix the alignment, complete new brakes, the heat and A/C do n't work, etc. The engine light is on even after their " mechanics '' claimed to fix it ... twice. The majority of what is wrong with the car is NOT covered on their horrible warranty. I have put over {$4000.00} worth of repairs into this car. I would like to also add that they have praised me for having perfect credit with them but yet the first time I was 5 days late on a payment the disabled my starter and would n't take even a partial payment to turn it back on, suffice it to add that I was willing to pay the full payment in 6 days but they refused to cut me any slack.They are charging me {$400.00} a month for a piece of garbage. I tried to trade it in 4 times and all said I was " upside down on the car '' which means I owe more than it 's worth. I AM looking into legal action.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have have repeatedly requested Portfolio Recovery Assc to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law since this request in XX/XX/XXXX. 

I dispute the facts of this acccount- I do not owe the amount listed on this account. 

Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. In XX/XX/XXXX they provided a monthly statement for XX/XX/XXXX with a ending balance of {$54.00}. XXXX XXXX XXXX  charged off the account of XX/XX/XXXX but neither XXXX XXXX XXXX   or Portfolio Recovery Assc can provide any accounting for the account from this XX/XX/XXXX Statement and the date Portfolio purchased this account XX/XX/XXXX Portfolio continues to state they purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owed Portfolio Recovery ASSC recently reported to all 3 Credit Bureaus that I owe this debt when I disputed this XX/XX/XXXX. This is fraud. I have enclosed a copy of the documents of the statement that Portfolio Recovery reported to the government agency Consumer Financial Protection Bureau. They have reported to this agency that they have no documents that show this amount in their records
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (PA)

XXXX XXXX credit card was attempted to be paid in full ( {$44.00} ). Check # XXXX was sent on XX/XX/XXXX ( due on XX/XX/XXXX ). Payment was not entered until XXXX at that time we were charged a late fee on {$17.00}. We called on XX/XX/XXXX to dispute the fee. Cardholder informed employee that he will either take care of the entire fee or we will cancel the card. Employee informed that he took care of the fee. 
On XX/XX/XXXX, spouse of cardholder, attempted to make a purchase and was told that the account was closed. Consequently, we received yet another late payment. We called an were told there is nothing that we could do because the account was closed. 
We were told all calls are recorded. We requested that they review the call as the situation was not handled properly. 
As a result, the account was closed without our consent and we were told there is nothing that they can do about the additional charges because the account was closed.
Consumer complaint received 2018-08-15
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: Clarity Services (NC)

To Whom It May Concern : Clarity services inc I have noticed that you have placed an inquiry on my XXXX credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/XXXX*****
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NJ)

I noticed today XX/XX/2018 that a checking account in my name had a very low balance. I use this account for savings for my upcoming 25th anniversary. When I went to activity I saw that a total of {$6100.00} had been withdrawn in 3 ACH ( Automated Clearing House ) transactions in the past 2 business days : on XX/XX/XXXX ( Friday ), XX/XX/XXXXXXXX ( Monday ) and XX/XX/XXXX ( today ). I reported it to the Bank immediately, but they told me that because there were other frauduent transactions on my account, specifically a XX/XX/2018 ACH debit for {$2.00}. Because I had not reported that transaction until now, the Bank is not liable to pursue any fraudulent transactions with this account. I told them I was not likely to notice a {$2.00} transaction but they told me that was the law. I've filed the fraud report with the Bank, but they informed me I should not expect to recover anything. In total I estimate the amount lost to fraud was {$8600.00} since XX/XX/XXXX but almost all of it since XX/XX/XXXX ( 60 days ago ). 

In the submitted documents, 10 transactions are labelled fraudulent. Of these 7 are XXXX ( shown in the documents labelled as " Markup ''. I also attach the XXXX 2018 statement which shows none of the fraudulent transactions and shows the two legitimate transactions.
Consumer complaint received 2018-08-14
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. (CA)

Transunion online website doesn't work for me ... has error messages, will not function.In order to dispute with a record I disputed XXXX XXXX  XXXX/ XXXX  account number XXXX by mail. THIS ERRONEOUS ACCOUNT IS SHOWING ON MY FILE WITH ME AS THE OWNER- ( RESPONSIBILITY INDIVIDUAL ) OF THE ACCOUNT.THE ACCOUNT IS NOT MINE! WHAT'S WORSE IS THE ACCOUNT IS SHOWING OVER THE LIMIT AND DESTROYS MY FICO SCORE TO AN UNLOANABLE STATUS. 
Formerly until XX/XX/2018 I was an authorized user on this account, a gift from a family member that I did not want or appreciate.NOW FOR THE ERRORS OF TRANSUNION AND OR XXXX XXXX  my credit is destroyed.This account should have been immediately deleted upon TRANSUNION 'S RECEIPT OF THE DISPUTE ... .BUT NEVER SHOULD HAVE APPEARED ON MY FILE IN THE FIRST PLACE. 
THIS IS NO EXCUSE OTHER THAN INCOMPETENT, IRRESPONSIBLE, UNCONSCIONABLE CREDIT REPORTING BY TRANSUNION AND THEIR CARELESS SUBSCRIBER.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off : XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} credit inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Name : XXXX XXXX Previous XXXX ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
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: JPMORGAN CHASE & CO. (DC)

On numerous occasions I've reached out to chase to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and XXXX Unauthorized Inquiries via Chase Bank on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from Chase to remove these as they are still being reported on my credit. I reached out 3 times now to have Chase remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a Chase CC in XX/XX/XXXX, Chase Bank Called me personally fist to verify that it was I who submitted the application. Not only has Chase not corrected this but they have admitted fault and are passing the buck. Chase Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon Chase and goes against normal company standards and protocols.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Atlantic Credit & Finance, Inc. (WI)

Received a letter on XXXX2018, regarding a debt with XXXX XXXX XXXX XXXX, Contacted Atlantic Credit and Finance Incorporated, XXXX. XXXX XXXX XXXX, VA XXXX. XXXX AFC : XXXX Account Number : XXXX Called : XXXX XXXX XXXX Current Servicer : Atlantic Credit and Finance Inc. 

When calling, I was transferred to several people with in the Credit and Finance group to settle a debt, the employee stated this was an attempt to collect a debt, then I was placed on a brief hold and transferred to a representive. 
I was ask a brief couple of questions regarding the debt and answered the questions in regards to the letter sent to my home by Atlantic Credit and Finance Inc./ :  XXXX XXXX XXXX . 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
o What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I answered the question several times, repeating the answers and then asked to settle the credit card debt, as instructed in the written letter sent by this said firm. I was then transferred to a manager and the same process was repeated. 
Why did it take so long to pay your bill? 
What did you do with your income and monthly income? 
What bills are a priority in your household? 
Why did you neglect your XXXX XXXX card statement? 
Did you have an issues at your home where you needed to replace items or a fire or natural causes of a disaster? 
Do you have health issues? 
Employment hours reduced beyond your control? 
I then became upset and requested a settlement of which I was denied, and I hung up the phone and called our family lawyer the firm is not willing to settle a debt.
Consumer complaint received 2018-01-21
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: Conn's, Inc. (TX)

cra violation XXXX has totally let the breach destroy my credit again 4th time conns, XXXX never late, XXXX not mine, and XXXX XXXX not mine id theft sent po report sent
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/year>, I met with XXXX XXXX XXXX of Bank of America at an office located in XXXX XXXX. The objective of this meeting was to explore my goals for my business and the potential for taking out a business loan. During this meeting, XXXX XXXX presented business loan options that could support that growth. XXXX XXXX suggested boosting my business credit score by opening another line of credit, though I already had a business credit card. XXXX XXXX sent a Business Debt Schedule and a Personal Financial Statement form ( on the same day of the meeting ) to complete and upload to XXXX for review. Being under the impression that XXXX XXXX was helping me explore options for a business loan, it appears that this meeting was a ploy to open another credit card, which I do not need if they are not going to review the forms above that have been uploaded to XXXX for several weeks now.
Consumer complaint received 2018-01-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion violated my rights under FCRA. Transunion deleted a Chapter XXXX Bankruptcy on my credit report due to a dispute I submitted, however, they reinserted the Bankruptcy and did not notify me that it was reinserted. It has been over 30 days and Transunion failed to report it deleted and instead reinserted the Public Record. Do I have grounds to sue? Transunion notified me over the phone that they dont have to verify the Bankruptcy. Please see my attachments from XXXX XXXX showing it was deleted by Transunion. I also I contacted the court and they did not verify this public record so why does Transunion continue to inaccurately report. Its bias and discrimination.
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (KY)

I have a credit card account with XXXX 's, a small balance of XXXX $ left and my credit limit is only XXXX . I  receive at least 25-30 calls A DAY from this company. It is a different number each time, local area numbers and out of state, the collectors also try to call me by listing a private number to try and trick me into answering their calls. I am currently in a financial bind and my hours at work have dropped. I cant afford to pay the XXXX $ min payment at the moment and I have explained all of this to each rep I have talked to. I simply dont have it but each rep tries to force me to give them a date to pay in order to stop the harassing phone calls. I did that just so they could stop calling me. I plan on paying off this debt in the next 2 months but I ca n't at this point. Please help me stop these harassing phone calls 7 days a week, 3-5xs a day.
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.