davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (GA)

I had XXXX XXXX  done last year and took advantage of zero interest for 12 months which was due to expire XX/XX/2020. My wife scheduled the final payment of {$570.00} through our credit union on XX/XX/2020 to be paid XX/XX/XXXX. The payment was processed and reached Comenity - XXXX XXXX XXXXXXXX    XXXX XXXX of XX/XX/XXXX. I received a bill for {$480.00} for interest charges. 

I contacted Comenity on the XX/XX/XXXXwho opened up a complaint with their office in Ohio. I followed up with a letter explaining my position that my final payment reached their office prior to the expiration of the zero percent financing and I should not be responsible for their processing. They indicated that the payment didn't clear until XX/XX/XXXX and therefore the interest offer was cancelled. I have also contacted the XXXX XXXX XXXX who recommended I contact your agency.
Consumer complaint received 2020-03-27
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.

US DEPT ED XXXX {$2300.00} US DEPT ED XXXX {$1700.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2000.00}
Consumer complaint received 2020-03-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went through a divorce and USAAs divorce dept helped me change all my accounts. They changed my checking account from my current checking to an existing savings. The account numbers are only 2 numbers different. 

I have been with USAA since 1997. I have never had this kind of issue. 

I am having problems paying out of my current account with autopay and it keeps reverting to my old account. I have called on a least a dozen occasions and most recently they reported me 30 days past due because of misinformation they have given me or misunderstandings with the account. 

I talked to the escalation team today and they helped me set up autopay on the new account and had numerous issues doing it though because it kept reverting to the old account. 

They saw my issues but at the end said its my responsibility to pay my bills. All this while I have a Covid 19 90 day relief of payments from them. 

I want the entire file reviews and all conversations listened to. I was misinformed and misled about how my payments would go through. Additionally they are sticking me with a convenience check fee after my credit card was expired and I needed a method of payment for construction workers remodeling my home. They said they would overnight checks but didnt tell me it would acquire additional fees. I feel they are playing word games. 

I am a XXXX  and Ive not only received paycuts but XXXX   furlough or even lay-off. Im trying to refi my house and USAA is manipulating their XXXX up to make it mine.
Consumer complaint received 2020-03-27
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: Experian Information Solutions Inc. (GA)

I went to buy a jet ski for my daughter for the summer, but in order to get it financed my credit had to get pulled. I found a fraudulent bankruptcy and couple of inquiries that are not mine. Please remove these things from my report.
Consumer complaint received 2020-03-26
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. (FL)

I did not recognize any if these accounts because on that period of time I did not visit hospital. Somebody used my personal information. Please remove incorrect information from credit report as soon as possible because it does not belong to me.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NJ)

Hello, XX/XX/2011 I filed for bankruptcy ( Chapter XXXX ). To my understanding, the law firm handling my case said that the derogatory mark will fade off my reporting history within 7 years. I now know that that was false information. I was about XXXX years old and did not have any understanding of how credit worked. The amount that went into Bankruptcy was about {$10000.00}, something I could have paid off over time had I known about debt consolidation. I now am credit savvy and have kept a 99 % payment history on a line of credit of {$42000.00} since reopening a credit line nearly three years ago. 

I hired a credit repair company to help me with this removal but after 8 months of slow progress and money spent I decided it would make more sense to try myself. So I personally reached out to XXXX, XXXX, & Experian but to no avail. 

Due to this global pandemic with COVID-19 the economy is in a very rocky state and I just want to secure a house for me and my family. I want to finally become a homeowner. I hope we can come to a solution so I can boost my score and finally begin my homeownership process with the best interest rates that good credit can provide.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (NC)

I filed several disputes with Netspend concerning a Netspend Small Business account. They suddenly closed my account and advised me that they found no error although I provided them with copies of  Bank statements showing that my company paid for the charges and that my card should have never been charged. they also closed an additional account now not allowing me any recourse to dispute those transactions as well.
Consumer complaint received 2020-03-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (PA)

During my employment at XXXX XXXX XXXX. I had a 401K plan held by Wells Fargo Bank. I took out a loan to purchase a home against my 401K. I since then switched employers to XXXX XXXX whose 401k program is held by XXXX XXXX. I was in the process of purchasing a new home and wanted to borrow against my 401k again. This required me to roll over all my funds from Wells Fargo into the account I had at XXXX XXXX. I called an inquired about the process to Wells Fargo. The representative informed to to roll over the funds I would need to pay off the existing loan first then rollover the funds. I was to use the special request section on the forms provided to request that the loan was to be satisfied with the check included then rolled over. I received the rollover checks and submitted them to XXXX XXXX and I also received a check in the amount of the loan that was to be paid off which began to raise questions as to why they returned that amount to me and why the rollover amount did not match what I was expecting. Sure enough the processed the roll over but did not process the loan pay off. I have called Wells Fargo multiple times to correct the issue since now I have the hefty tax burden of an early withdrawal penalty and being taxed on tax differed monies. Wells Fargo first tried to tell me that there was nothing to be done about the issue. Then as it escalated they said I was made whole again because they returned the loan check. The next step was that they would help and they finally admitted to the clerical error, but I would need to send a check to XXXX XXXX for the sum of the loan I originally took with Wells Fargo. I explained to them those monies went to pay for the new home I am living in, and that stopping the closing at that point would of resulted me being in breach of contract and subject to penalties as well. Wells Fargo said that is the last option they could accommodate to eliminate the discrepancy. Just buying a new home, I do not have the finances nor will I before tax filing to satisfy those terms, given a year or two I may be able to accommodate that request, but by then I will have suffered the tax penalty.
Consumer complaint received 2020-03-27
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: CITIBANK, N.A. (TX)

To whom it may concern, The below summary will serve as a time line of events that happened when I found out that XXXX XXXX billed my Credit card ending with XXXX without my authorization on four separate occasions for a total of XXXX dollars. 

On XX/XX/2019 I noticed that my credit card was billed on 4 separate occasions for work that was not performed for a total of XXXX dollars. The date of the separate charges are as follows, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX, XX/XX/2019 for XXXX and XX/XX/2019 for XXXX. I first contacted XXXX XXXX via txt message at XXXX on XX/XX/2019 letting XXXX XXXX the owner of XXXX XXXX about the false charges. Just the past month I had him perform work that I paid for via XXXX application, so I was not too alarmed, just thought it was a mistake. However I was very mistaken! I also sent an email an email to the owner email account, XXXX listing all the charges with ( please credit ASAP ) in the subject title. The owner of XXXX XXXX said that it was a mistake and would reimburses me the full amount. However after over a month of excuses and back and forth he finally admitted that he does not have the money, and never mailed any checks or tried to reimburse me the full amount of money he charged my credit card. 

During this time I also contacted My Credit Card Company and put a hold on my card, and eventually closed out and opened up a new account. During this time I was contacted by Citi Security CC Company, and asked if I authorized another XXXX charge by XXXX XXXX, and I said no, so they denied the charge. I also contacted my local XXXX department and opened a police report for the false charges. The Police report number is as follows, Case # XXXX and officer of took report is named Deputy XXXX XXXX # XXXX, phone number XXXX XXXX With that said, my Credit card company ruled against me because the owner of XXXX XXXX  simply provided a false receiptsignatures for the transactions. He ran my CC against his app, and simply forged my signature, I was in a diff city XXXX XXXX when these false charges were supposed signed approved by me. How can the CC company take this as proof?????? 

PLEASE HELP!!! 

Thanks XXXX XXXX
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  AND EQUIFAX XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments
Consumer complaint received 2020-03-26
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. (LA)

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX US DEPT ED DPT ED/XXXX US DEPARTMENT OF EDU
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I previously filed a complaint against Transunion and XXXX   due to an account being on my credit report that did not belong to me. I have sent documentation time and time again proving that the account from XXXX did not belong to me. XXXX   and XXXX  have removed the following accounts, yet Transunion has NOT! This needs to be removed immediately as it is affecting my credit score, especially during this Coronavirus insanity. Thank you!
Consumer complaint received 2020-03-26
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. (AR)

During XXXX of this year I reviewed a copy of my credit report and noticed several fraudulent accounts reporting that were related directly to identity theft. I immediately reached out to my local authorities who advised I needed to submit an identity theft report to the credit bureaus. During this week of XXXX, I reached out to XXXX, XXXX, and Transunion to notify them of the situation via phone direct mail of the fraudulent accounts that were displaying on my credit file. Since, it has been over 30 days and yet have not received any correspondence from XXXX  in regards to my complaint. In addition with my identity theft report that was sent, I was sure to include a copy of my drivers license, social security card, and a utility bill in my name. I also included a list of the fraudulent addresses ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) as well as the accounts 1.  XXXX XXXX # XXXX, 2. XXXX XXXX # XXXX, 3.XXXX XXXX XXXX # XXXX, 4. XXXX XXXX  # XXXX, 5. XXXX XXXX # XXXX. Under the Fair Credit Reporting Act Transunion has not provided on accurate verification whatsoever. In fact Transunion has not even responding to my dispute therefore must remove the following fraudulent accounts with it being over 30 days as per the Fair Credit Reporting Act. In addition Transunion has Failed to block the fraudulent accounts as per section 605b. My consumer rights have and continue to be violated per sections 609 & 611 with Transunion not being able to provide any sufficient documentation obligating me to these accounts.
Consumer complaint received 2020-03-27
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. (GA)

I have submitted several letters to the bureaus about fraudulent information on my credit report due to Identity Theft. They have removed or updated most of the issues except for removal of the bankruptcy that no one can legally verify or validate. XXXX  and XXXX have removed the account from my report, however, Experian and XXXX  have failed to do so along with other inaccurate issues. I have provided them with copies of letters from the court they named as well as a letter from XXXX stating they have removed the record. I also provided them with a copy of my police report. I am attaching these same documents to my complaint to show that the documents indeed exist. 
My reputation and ability to acquire a government contract is being jeopardized due to the lack of proper investigation, validation and/or verification of my information.
Consumer complaint received 2020-03-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BSI Financial Holdings, Inc. (GA)

Affidavit of truth with a conditional acceptance was send to ask to prove the debt by producing the contract between the third parties BSI FINANCIAL SERVICES and XXXX XXXX and no commercial affidavit was sent back for rebuttal. The companies have admitted to not being the lender, never giving credit or being a party to the Promissory note, or having a Security deed with Bilateral signatures to agreed to any debt. They have now threated to create a deed under power and all power of attorneys have been revoked, and no real assignment of mortgage has occurred. No gold or silver was given to be able to foreclose and identity theft has happened as I have no contract with either company to owe any debt. 
As a third party has no right to collect a debt without proof of the debt. The Original Promissory note which does not contain the names of the companies trying to foreclose has been deposited, cashed and then traded as a book-entry security pooled and then sold as a package to investors. They do not have the original note with wet ink signature and no valid claim of debt without a bilateral or any oral contract.
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I signed up for the Capital one Quicksilver rewards card on the Capital One website in XXXX. The card is running a promotion where you receive a {$150.00} bonus after your first {$500.00} in purchases within three months. I for a fact that I applied using the link they told me to because I had the same problem opening a checking account with a different bank where I didn't qualify. I was careful to take every step necessary to fulfill the requirements of the promotion. I then spent the {$500.00}. I did not receive the {$150.00} bonus. I called Capital one and the woman on the phone kept putting me on hold saying the she could not find the problem due to a system issue. She eventually hung up on me while I was on hold. This was after a half hour phone call. This offer is still being promoted right on the website.
Consumer complaint received 2020-03-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (TX)

XX/XX/2020 - Home insurance renewal, notification of rates doubling XX/XX/2020 - Requested Lexus Nexus report via Website, XX/XX/2020 - Received instructions to view Lexus Nexus report online, several instances of incorrect information including a lien judgement on a property I do not own. My suspicions are that this is adversely affecting my rates. 

XX/XX/2020 - Called Lexus Nexus at XXXX to start an inquiry into the incorrect information. They are unable to access my account and send a internal email message to a team that should contact me within 2 days. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told that I needed to wait longer to receive the call from the specialist team. 

XX/XX/2020 - No call received. Called Lexus Nexus again, and was told again that my account is in a " protected status '' and can not be handled by the phone support team. They would send a third email to the specialist team to call me back. 

My Lexus Nexus report is full of a mixture of my Fathers ( Sr. ) and my ( Jr. ) history resulting in a large amount of inaccurate data. I need this resolved as I'm being forced to pay higher insurance rates based on a report they can't manage to fix.
Consumer complaint received 2020-03-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

This morning, XX/XX/2020 at XXXX XXXX, I received a email of a a {$300.00} charge on my PayPal account to XXXX for a gift card receipt. The recipient was named " XXXX XXXX ''. I filed an unauthorized payment dispute with Paypal. I was notified 5 hours later that the charge was determined to be legitimate and the case was closed. 

When I attempted to contact Paypal over phone, I was unable to reach a live person, and was instead notified to contact them over text. I am currently awaiting further news.