davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (FL)

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX : XXXX and LexisNexis-Attached you XXXX find multiple XXXX CFPB Complaints against XXXX, XXXX and XXXX XXXX XXXX place account XXXX ( up to XXXX words ) Consumer Statements for my XXXX XXXX XXXX XXXX XXXX accounts, XXXX XXXX XXXXXXXX XXXX XXXX  Accounts and XXXX XXXXXXXX XXXX accounts. That means XXXX account specific Consumer Statements must be included within the detail for every XXXX of these XXXX accounts. You should read this Complaint as if they are addressed to XXXX and LexisNexis requiring you to insert the requested Consumer Statements for the identical reasons. Moreover, due to my pending United States XXXX XXXX case in XXXX in the XX/XX/XXXX case styled XXXX XXXX versus XXXX XXXX XXXX XXXX and my subsequent pending XXXX arbitration filings with XXXX  XXXX XXXX cases as Claimant against Respondents XXXX XXXX XXXX and XXXX, you must not only permanently mark each account as Disputed by Consumer until court litigation and arbitrations are completed in a few years but you must initiate the required dispute investigation with all disputed Furnishers plus delete every old address, except my current address, to avoid frivolous lawsuits being started against me in an improper venue outside my XXXX area XXXX I expect to subpoena your records in my XXXX XXXX XXXXXXXX cases and my federal lawsuit so it is imperative that my records be 100 % complete and accurate and Metro XXXX and FCRA compliant without obvious Facially XXXX XXXX XXXX violation of the XXXX XX/XX/XXXX advisory by CFPB XXXX XXXX XXXX XXXX Kindly promptly provide me with a complete credit report by US First Class USPS Mail as soon as you receive this complaint and an updated complete report after the XXXX account specific Consumer Statements are included and another updated complete credit report after you complete your investigation of my disputes for the XXXX accounts. Sincerely, XXXX XXXX. XX/XX/XXXX 2023
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (CA)

XXXX reported my payment as late for XXXX but I never got an email or message that the payment I made in XXXX never posted. I still don't know why it didn't post but they should have contacted me to let me know something happened. It could have very easily been an error on their website which is always down with issues. I have never missed a payment on anything and it's totally ridiculous that this was reported instead of alerting me. I demand that it be removed from my credit report. Once I found out the payment never was made I of course paid it and the XXXX Payment.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I'm filling a claim as a victim of TransUnion. I have been denied housing on multiple occasions due to TransUnion 's negligence. I also know my information has been compromised by TransUnion due to TransUnion 's sharing of ( what they believed to be ) my personal information, which caused much harassment from multiple third party companies, which I still receive, to this day. Also, currently hacked and started hacked this whole time, due to this company 's negligence. I was also homeless for a good part of 18 years. XXXX XXXX as well. This kept me from a lot as I am smart enough to be a XXXX graduate ; also took a vile toll on my health and mental state. I'm the poster child for what these credit companies do to consumers. I'm no longer frightened ; just seeking immediate justice.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I would like to respectfully remind you once again to immediately remove any unproven or inadequately supported claims from your reporting. As a data reporting provider It is imperative that you meet the minimum criteria to required to report with the conditional proveledge to do so. Failure to do so raises doubt about the validity of any and all claims that you make XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXXXXXX XXXX {$640.00} XXXXXXXX XXXX {$480.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) {$5200.00} XXXX {$5200.00} XXXX {$1100.00} XXXXXXXX XXXX ( Original XXXX : XXXXXXXX XXXX XXXX  ) {$480.00}
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

It's a brand new Capital One card. I made my first payment when due and then another payment some days later. I received confirmation that the payments were received, processed and posted. When I went to used the card it declined. I looked up my availability amount and it no longer reflected the previously paid amount. I called to inquire why and was told they put a hold on my payment due to fraudulent looking activity ( but never contacted me ). When asked what looks fraudulent, I was told because I made back to back payments. I was told they will not release the funds for 6 days and was advised that I shouldn't make payments outside of the due term time. I'm being punished for paying my bill more than asked? And being inconvenienced by not having access to needed funds. I told them its fraud to show and confirm that my payments were processed when it wasn't.
Consumer complaint received 2020-10-05
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: AMERICAN EXPRESS COMPANY (NJ)

There is fraud charge coming on my Amex Credit Card and i reach out to Amex three times on phone and they didn't block it. Charges keep appearing on my card for almost a year. Amex Customer service is not helping. Every time i called they said they are putting block and charge keep coming.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

on XX/XX/2020 I received an email from PayPal ( Ref ID - XXXX ) that my paypal business account will be limited going forward which means I can not use it anymore They are also holding my balance of approx {$110.00} for 180 days which I can not withdraw now. 

I reached out to them for resolution and know the reason but I got the same response over a secure message from them. 

Paypal business account is very important for me to run my business.
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (CA)

I am filing an official complaint regarding Planet Home Lending , LLC | NMLS IDXXXX, regarding the refusal of returning an unauthorized withdrawal from my checking account. 

Friday, XX/XX/XXXX, XXXXPlanet Home Lending withdrew two payments for {$2400.00}. 
- My wife called Planet Home Lending, and they asked for a wire transfer form and bank statement to show proof. My wife and I worked to get this to Planet Home Lending and submitted documents the same day. 

Monday, XXXX XXXX XXXX XXXX the manager, expressed that she received all documentation and will submit to having the money transferred within 1 to 3 days. Per XXXX, " She will call back today or tomorrow latest to confirm. '' Tuesday, XXXX XXXX XXXX never called back, my wife called, and Planet Home Lending and the representative stated, " XXXX said, everything was submitted, and I have to wait up to three days to get money back. '' Friday, XX/XX/XXXX, No money was received. My wife called back. The Planet Home Lending representative said XXXX was in training, but she confirmed that she submitted everything on Thursday, XX/XX/XXXX. Also, the funds should be there within three business days. 

Tuesday, XXXX XXXX I called again to XXXX XXXX and she said she submitted everything on her end, and for sure, it will be there by tomorrow. 

Wednesday, XXXX XXXX-No money was received. Continued to wait. 

Friday, XX/XX/XXXX, my wife called and spoke with XXXX, Manager XXXX XXXX XXXX. He was incredibly insensitive to the matter. My wife told him that she has bills due and she needs HER money. She told him that she would be left to scramble over the weekend. XXXX XXXX, " I don't know what to say to you. I have completed the paperwork. You are just going to have to SCRAMBLE. " Monday, XX/XX/XXXX, I checked my bank account. No pending wire transfer. Called XXXX, he stated that he completed the paper, and the wire will be transferred within the next 1-3 business days. I asked XXXX for a confirmation number of the wire transfer number, and he said he does not have it. I asked to be transferred to his supervisor, and he said, " No, I have taken care of it. The buck stops with me. There is no one higher than me regarding this situation ''. I asked again to be transferred to his supervisor, and he said no. I then requested eight more times, and he said no, and the phone disconnected. 

I still do not have my money, and I am still scrambling.
Consumer complaint received 2020-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

On XX/XX/2020, I reviewed my credit reports. I saw a negative reporting from FAIR COLLECTIONS AND OUT located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX. I have never received notification from this company pertaining to debt. I do not owe them any money nor have they validated this debt.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XX/XX/XXXX I submitted a request to XXXX XXXX to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
XXXX is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; Last Payment Date XXXX TransUnion XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Times 30/60/90 days late XXXX TransUnion XXXX XXXX XXXX XXXX Highest Balance XXXX TransUnion XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX Address Information XXXX TransUnion XXXX XXXX XXXX Tx XXXX LA XXXX DE
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (AR)

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed Per Equifax this occurred mid-XX/XX/XXXX through XXXX of 2017 I have completed a 90-day fraud alert on my file with the 3 credit reporting agencies, but if my information is compromised the attackers could just wait.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (CA)

Equifax leaked my personal credit information due to improper security protocols at the Company. As a result, my SSN, birth date, address, and other personally identifiable information may have been leaked without my permission. As a result, my identity may be stolen as my personally identifiable is no longer secure.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Nationwide Recovery Systems, Ltd (CA)

I rented an office 3 years ago. My contract said I could work daily from virtual office launch area but the truth was they had no place for me to work from. The contract was cancel for wrong disclosure. The account was closed with the manger. Now I am getting the same bill via email from a collection agency.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The information that my XXXX was included in my bankruptcy is incorrect. We actually reaffirmed our mortgage and have NEVER missed a payment! We are still current on it. Please correct the reporting of this information as it is hindering my ability to refinance my mortgage. This is a direct violation of the FCRA.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are XXXX accounts on here for a XXXX and XXXX for XXXX XXXX XXXXThe XXXX for XXXX state they are for parking tickets. I do not have any outstanding parking tickets. This information is falseAlso XXXX I have paid anything owed to them already so this should not be listed as well.
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. 
Now the mortgage servicer sent me a foreclosure Notice.
Consumer complaint received 2017-09-09
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: EQUIFAX, INC. (OR)

Hello, On XX/XX/2017 I was notified that Equifax was breached and that the data of over 125 million Americans were made available.
I used the tools provided at https : //www.equifaxsecurity2017.comXXXX and found that I was indeed included in this breach.
As part of Equifax 's compensation for this, they are offering a year of their XXXX XXXX for free. However, in the Terms of Service for this product, I must agree to an arbitration clause. I will not subscribe to their service due to the arbitration clause. Additionally, I find only a year of coverage to be insulting. I believe 5 years should be the absolute minimum considering the scale of the breach.
As a Information Security professional, I decided to look into how this data was breached and found this article : XXXX XXXX XXXX.
If the contents are true, and Equifax did not patch a known vulnerability, they should be penalized to the fullest extent of the law. This borders on criminal levels of negligence and is usually the result of a poorly funded and staffed information security department as well as falsified audits for PCI compliance.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted Trans Union to make them aware that this public record XXXX has been filed in error and has now been dismissed and vacated by the Courts I sent Trans Union the court documentation showing that it is no longer active and was filed erroneously but Trans Union has yet to block this information from my credit report.
Consumer complaint received 2017-03-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo allow multiple fraudulent chargton my account and refuse to handle the matter approiate legal manner wells Fargo allow my identity to be breach by these fraudulent charges with are still remaing on my account as today. Wells fargo is inteniinally trying to cause me some type of harm by leaving these fraudulent charges on my account if it not wells Fargo it 's self committing these fraudulent charges on my account!!
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

reinstating the same ole stuff plus i can ; t get information about my credit because I answer all the question to identify me and they said it wasn ; t me and thats because they have set me up for some one else. and there not trying to hear me.i.m XXXX and need some one check this situation out.
Consumer complaint received 2016-08-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (AL)

All three reporting companies ( XXXX, Experian, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. 
These are listed as XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (WI)

On XXXX/XXXX/2017 I was informed of the security breach at Equifax. After checking to see if I was affected, I found out that indeed my information had been compromised.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NC)

This is regarding the Equifax hack. I just checked my credit score and it is down XXXX points. I am actively trying to repair my credit in the hopes of buying a house soon. This will set me back and I am not pleased.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd ()

The company ( WISE ) asked us for some documents and extra information about our transfers the day XX/XX/XXXX, they stated that it is a routine check. 

We replied and sent all the required information the day XX/XX/XXXX ( within the 7 days that they kindly asked us to get back to them ). 

After sending the documents, our account was " frozen ''. We could still access to the account but we could not send nor receive any transfers ( our provider stated that they were sending the payments and making the transfers but we never received them in our account ). 

After that we received an email saying that everything was fine, but we still had our account frozen ( we couldn't receive any transfers )... we tried to contact them to know what was happening and we were waiting for almost XXXX weeks for a response. I sent several emails, called a lot of times but they just stated that there was XXXX document still pending of revision. 

The day XX/XX/XXXX they just closed our account and asked for bank details through our appeal to refund our money back. Our account had around XXXX in balance, but over XXXX in pending transfers!! 

So after filling everything, they refunded us the money that was in the account which was around XXXX but we still don't know what happened to the transfers that never came! I tried to contact them several times but they don't give me any information. I talked to our provider aswell and they say that the transfers were made and none of them were returned to the sender So they are keeping over XXXX from us!
Consumer complaint received 2018-06-14
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. (WI)

On XX/XX/XXXX I sent a certified letter to XXXX XXXX requesting validation of several accounts they reported on my credit report. They responded by sending me a spreadsheet from XXXX XXXX XXXX which violated my HIPPA rights. I sent a certified letter again in XX/XX/XXXX and XX/XX/XXXX requesting validation that these accounts were mine. I never received a validation with my signature that these accounts were mine. Therefore, I sent a certified letter to both Equifax & XXXX in XX/XX/XXXX requesting an investigation regarding these accounts. I sent a final request to Equifax & XXXX in XX/XX/XXXX by certified letter, requesting validation and removal of these accounts. To this day these accounts remain on my credit report with absolutely no validation via signature that they belong to me. These accounts are also being reported on my husbands credit report ( XXXX XXXX )