davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have filed multiple disputes about an aged out student loan delinquency on my report. I have never received any findings from transunion. When I log back in, i see that the date the delinquency is constantly moved back so that it never falls off. I have called and reported this and Transunion tells me that there is nothing they can do about it. No matter how many times I report it, nothing is ever done. All of the other agencies have taken care of it, but they refuse to do anything about it and are rude when approached.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (TX)

I have never been married and have never used another last name on any documentation. A background check came in and I noticed there was a new last name added using my son 's last name. This possibly hurt my chances for employment because I had stated I had never used another name before which is truthful as far as I know.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: WELLS FARGO & COMPANY (KY)

My complain is not against any financial institution reporting accounts updates to credit bureaus, but against XXXX. It is clear at this point that XXXX has a serious issue at its process/computer system since the same update sent to all credit bureaus just got the erroneous status at my XXXX credit report. Here is the issue : I got a bankruptcy case filled on XXXX ( chapter XXXX ), which I got dismissed on XX/XX/XXXX, so currently no further information about this case should be present in my credit report. 
What happened XXXX already this year with different financial institutions were XXXX accounts reported as closed and no matter if this account was part of the chapter XXXX case mentioned here or not, XXXX included this update in my report as a derogatory/adverse account, even with the " Pay Status '' listed as " Current ; Paid or Paying as Agreed ''. 
XXXX is taking the remarks in the accounts, where the bankruptcy is listed, and based on the closing date is considering the occurrence as a new/current bankruptcy case and list the account as adverse, with the date to be removed XXXX years from the account closing date reported. 
Contacting XXXX is the most painful process ever. The call is answered oversees by customer service representatives that work based on the script they have been trained without any deeper knowledge about the credit report info and bankruptcy rules in US. I started a dispute via online process, submitted all the necessary documentation, got the account fixed in my credit reported as expected, but after XXXX days the same account was listed as adverse again. After several calls I finally was able to talk to a supervisor here in US, but instead of understanding the issue and acknowledge as a XXXX issue, the supervisor requested a communication from the finance institution to fix the account in my report, basically removing the account from my report. I got the first financial institute account reporting fixed and my FICO was calculated correctly. 
Now, another closed account reported end up listed as adverse again and I started another dispute process, where XXXX still not fixing the error on its said and still contacting the financial institution as part of the dispute, like the error was related to the account reported and not on the way XXXX is erroneously processing/listing the account update in my report. 
For this reason I decided to contact CFPB and put a complaint against XXXX. My next step will be look for legal assistance to take any possible action against the burn XXXX is causing to FICO / credit report.
Consumer complaint received 2015-09-02
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE ()

. Under fake indentify card she got money via Western Union Bank in XXXX. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identfy card is fake confirmed by XXXX in XXXX. My case had been investigated by XXXX XXXX XXXX Senior Legal Analyst Western Union LLC, XXXX, REF XXXX. XXXX XXXX XXXX XXXX wasnt able to determined who was real receiver. As XXXX XXXX XXXX stated, the named payee presented identification and the transactions were paid correctly. Please help me and contact me by email XXXXXXXXXXXXMTCN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXMy case number XXXX XXXX XXXX XXXX XXXX Fee Fraud SectionEconomic and Financial Crimes XXXX, XXXX XXXX : XXXX, + XXXX : XXXXEmail : XXXXXXXXXXXX : XXXX XXXXSpecialist Customer AdvocateOffice US : + ( XXXX ) XXXX ext. XXXXOffice Intl : + XXXX XXXX XXXX XXXX ext. XXXX : XXXXXXXXXXXX. XXXX is able to cofirm, that nobody recieved money in XXXX. We have difference of opinion between me and XXXX XXXX about money transmitance. I cant agree with such manner of money transmittance that it was absolutly enough to know MTCN and answer to questions, the other - name. surname, address, country is not important. I have sent money only to XXXX XXXX, and only to XXXX. Money took a strange payee, who was???? This person XXXX XXXX is not going to find out till now!!! Please help me and contact me. I look forward Your reply as soon as possible. XXXX XXXX
Consumer complaint received 2015-05-08
Product: Other financial service — Money order
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

i have purchased MoneyOrders from western union they have dishonoured those for their negligence and have been making several stories to defend their negligence. its been over 3 weeks they are still holding my money. it has hurt my credit as i used those MoneyOrders to pay XXXX XXXX their resons 1. they suspected fraud, 2. some named karina stopped them 3.agent called to stop them. all of the above are not true. they did not call agent to verify the transaction nor has the agent called them for any reason as they claim they should provide the letter to stop payment or a recorded phone call or if they suspected fraud they should have called the agent to verify my identity before returning the money orders
Consumer complaint received 2015-05-05
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Platinum Holdings Group, LLC (CA)

I have received numerous calls from XXXX by a man who calls himself XXXX XXXX " director of premium receivables '' trying to collect a debt which I 've never had. This party claims to be calling from a law firm and threatens to sue me if I do n't pay a fictitious amount of funds. He knows my full name, address, last XXXX digits of my social security number. I am one hundred percent certain it 's a fraud. I feel extremely intimidated by this gentlemen for oblivious reasons.
Consumer complaint received 2015-07-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, On my existing account with Bank of America, with a number : XXXX XXXX XXXX. A recent summary from my account Bank of America is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies " unfair '' actions. Is attached XXXX document. Bank of America misleading on statement, such as by telling that " heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that " [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the bank of America online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees.
Consumer complaint received 2015-05-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a business checking account with Bank of America. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with BOA and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice.
Consumer complaint received 2015-05-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

I was in the process of reviewing my bank statements when I was preparing my taxes and noticed that in XXXX a check that I wrote to a cleaning company posted twice to my account it was the exact same check with the exact same date and the exact same amount and the same check numberwhen I noticed the clerical error I notified my bank they researched and admitted that they incorrectly paid out the XXXX and they would look to resolve the issue 30 days later I have not had a resolution and I am being told that I can not receive the funds back in my account until they have received the funds back from the bank in which they had paid out multiple times. They do not have a date for a resolution and stated I would never receive my funds if the bank they had paid out to never returned it back to them
Consumer complaint received 2015-08-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DFC Global Corp. (CA)

Regardless if they had a sign up like they say referring to XXXX money mart has severalsigns they never pointed out an option menus and failed to tell me how much they charged me, now I want full reimbursement because they tainted my cash I want the full amount of the check I cashed because they tainted my money also the state of California does not want them burning me also they have copies of XXXX checks the XXXX was to my attorney and the other to me and they are withholding XXXX of them from you why?
Consumer complaint received 2015-09-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Harley Davidson Financial Services Inc (AR)

I purchased a motorcycle threw Harley Davis, I had a XXXX an was XXXX for XXXX months, this happened 60 days after I purchased I continued to make XXXX more payments, they came got the bike an it had XXXX miles only on it an they sold it to another bike company for XXXX. I paid XXXX. Some how that did n't seem right or just. They billed me for the rest of the money lost in the loan, it 's XXXX yrs old now an I feel they should have to remove it ; my Credit has suffered long enough due to this XXXX. I was hit an was the innocent victim of all this.
Consumer complaint received 2015-06-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (TN)

I 'm currently paying a loan by the month and i did get things caught up.But the loan company continues to harass me with phone calls and threatening me with legal action! I am currently on XXXX benefits with a XXXX!
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

When speaking to my Chase rep who is supposed to be helping me submit a modification option with paperwork she told my wife and I to not pay anymore on the mortgage or send in any payments because Chase will not accept it. She said that it could take up to 45 days to get our modification reviewed and approved. She told us to just save our money and save as much as we can. In late fees we were behind by an amount we could pay right then but because it was not including the attorney fees for Chase she said it was closer XXXX. This just does not sound like it is right and I have never heard of not trying to pay when you have something to pay towards your debt.
Consumer complaint received 2015-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELIS RECOVERY MANAGEMENT, LLC (SC)

Patients were offered a genetic XXXX screening at no charge as long as they had medical insurance. Tests were done in dental offices throughout the XXXX and GA. The tests were sent to XXXX. Patients were never billed patients and assured they would never have an out of pocket charge for saliva testing. XXXX never did send out statements, however, they turned patients accounts over to Fidelis Recovery Solutions ( collection agency ). Charges range from XXXX XXXX to XXXX XXXX or more dollars. Patients were shocked because they were promised no out of pocket cost. XXXX put it in writing. XXXX will not return phone calls or emails. I contacted a representative who is no longer with the company and he sent me training materials which stated " no out of pocket costs for patients '' The company would accept only what medical insurance would pay even if that was nothing " because we are collecting test data, and we want to make this test available to more people, we are accepting what insurance is paying and writing off the balance. '' I shared this information with the collection agency but Fidelis Recovery Solutions will not return calls about this issue either. Patients are being taken advantage of by both XXXX and Fidelis Recovery Solutions. Please advise me on how to help our patients.
Consumer complaint received 2016-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

In XXXX 2015, I received a letter from XXXX XXXX XXXX XXXX, informing me of a fraudulent credit card application using my social security number. I had indeed NOT applied for this credit card and the account was closed immediately. Next, I checked my credit report and I placed a fraud alert with XXXX, XXXX, and Equifax. The hard inquiry regarding this fraud has been on my credit report since XXXX XXXX, 2015. I have called XXXX XXXX XXXX and the credit bureaus numerous times, and I have been unable to get the hard inquiry removed from my credit reports. XXXX XXXX tells me that they filed a dispute with the credit bureaus and that it 's the credit bureaus ' job to remove the hard inquiry. The credit bureaus blame XXXX XXXX for not doing what is required to remove the hard inquiry. I am caught in the middle without remedy. Please, help!
Consumer complaint received 2016-02-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Placement Services, LLC (MN)

I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I disputed the XXXX XXXX ( listed as XXXX ) on my Trans Union report. The account number is listed as XXXX They left it on my file. I contacted XXXX today and they have no record in any of their departments for a collection in my name. If this is the case, they could not have responded to Trans Union that they had a record for me. This means Trans Union did not even process this dispute but claimed that XXXX responded to them.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX ( es ) XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2015-10-11
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

I opened an American Express XXXX card in XXXX of this year, 2015. I have never seen any XXXX points transfer from the American Express card to the XXXX program. I finally talked to a senior account manager at American Express who indicated they are aware that they have a software problem and that is a level XXXX highest priority, and that they have no time frame and no idea when this will be fixed. This is clearly fraudulent as I am due thousands of points ( XXXX bonus for spending {$250.00} in 3 months as an example ) and even the account manager gave me XXXX compensation points which I can not see since their software transfer program has never worked. None of the regular customer service people know anything about this and you spend hours on the phone talking to representatives that have no clue on the credit card program works. The people at XXXX cards ( which is part of American Express ) clearly indicated this is a software transfer issue on the American Express credit card side and even opened up a support ticket even though they can not resolve this issue. This is extremely misleading when you do not tell people that your own credit card program does not work and they have no idea if I will ever see my XXXX points transfer over to my XXXX XXXX. The public needs to know about this and the impact in the industry when a credit card leader such as American Express misrepresents themselves to the consumers that trust them as a company.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.