davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

LVNV FUNDING ACC # XXXXand Acc # XXXX is been reported as late which is in corrected. I contacted XXXX XXXXXXXX and was told that the accounts were sold when dispute were in process. The account was previously listed as 12 XXXX XXXXXXXX XXXX  with balances of {$3500.00} and {$4000.00} that are incorrect. Was told by XXXX XXXX they are no longer reporting since disputed. Rather LVNV Funding with proper verification and right to dispute. A letter attached from XXXX XXXX XXXX  as proof. LVNV funding sent frivolous statements with merits that does not represent the facts.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX, I made a International money transfer at XXXXMoneygram to be sent to XXXX. My receiver was to be sent XXXX dollars. I was provided a reference number once this was completed. 
When my receiver was visiting the XXXX in XXXX to pick up the funds, they let them know that the amount was too much for this one transaction. Because of this Moneygram updated the transaction as completed, saying the funds had been picked up. 
I called Moneygram and let them know that the receiver was unable to receive the funds and to allow it to be redone. They left a note on the transfer that XXXX XXXX would need to call Moneygram to verify the transaction once the receiver was at the store again. 

They tried to pick up the funds again but XXXX XXXX informed the receiver that the funds had already been picked up. I call Moneygram again to let them know of the situation and try to cancel this transfer but they let me know that they would need to start a investigation to see what happened to the funds. I asked if there was a receipt generated at the time the funds were picked up and they said they had no receipt showing. How can that be transfer is showing funds were picked up if there is no receipt at the time of pick up? 

I am filing this complaint in the attempt to recoup my funds since Moneygram indeed still has my money in there system. 

Any help would be greatly appreciated. Thank you!
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I received a check for the surplus funds from the sale of my late father 's house. The check was " Pay To The Order Of XXXX XXXX, affiant for the estate of XXXX XXXX XXXX ''. I was advised by my lawyer to deposit my check at a bank that I already bank with so I took it to my local Chase branch. I was able to open an estate account and deposit the check, a few days later the check cleared and showed up whenever I logged in to online banking. One day I received a letter from Chase and was told that my account would be closed. I called the banker who helped me open my estate account and was told that the back office for Chase said they needed my court paperwork resent to them, all the forms were immediately resent. A few days later I received a cashiers ' check from Chase and a letter that said that my account eas closed. This new check no longer has my name on it, the check now reads : " Pay To The Order Of Estate of XXXX XXXX XXXX ''. Since my new check doesn't have my name on it, I can not deposit it anywhere and just as Chase has said when I asked why my account is closed, I need a letter of authority or a letter of testimentary in order to open an account. The state of Missouri where my father passed away does not issue the court paperwork that every bank is asking for. I contacted banks in Missouri and I am able to deposit my new check there using the court paperwork I have but even those banks can not deposit the check unless my name is on it. I have called customer service several times and explained what was going on. They told me that any physical branch would be able to add my name back on my cashiers ' check but whenever I go into a branch I'm told that this isn't possible. I have visited 5 different branches in the surrounding cities where I live and I have been to an additional 4 banks to ask if anything could be done with my cashiers ' check, many banks said that if only my check was addressed similar to the original one they could deposit it in their banks but all Chase branches are asking for court issued paperwork I am not eligible for.
Consumer complaint received 2021-04-22
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: STERLING JEWELERS, INC. (FL)

XX/XX/2016,120 days late payment from sterling jewelry inc, dba Kay Jewelrys, i have bought a house and move, but i did a change of address to the post office, during that time, i have a XXXX balance at kay jewelrys.i usually get a statement every month, since i move to a new address never received a statement from kay jewelers, they finally called me on the phone and they told me im 120 days late payment, i told them i never received a statement, i told them if i received a statement, it would remind me that i owe, i told them i have a XXXX balance, i always paid them early every month, so i paid them off, its their fault of not sending me a new statement, now they cancelled my kay jewelry card and reported me on 3 credit bureau, they impacted my credit score being hard inquiry, i disputed them so many times, to remove the hard inquiry on 3 credit bureau, they turn me down every time, the people involved should be finance
Consumer complaint received 2021-04-22
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: TD BANK US HOLDING COMPANY (PA)

Hello, Ive contact XXXX about 10 times to have these injuries removed and for some reason they haven't, not there is a new injuries on my account not understanding why they will allow if I and fraud alert on my account. please remove these injuries off my report XXXX XXXX XXXX TD bank XXXXXXXX
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CA)

i inadvertently missed a payment on my car loan for XXXX. the last time i paid was the end of XXXX. the only way i found out is that i saw a late charge on my financial software. while i'm okay paying a late fee for my error, this does affect my credit score. i called and asked if there was a way US Bank could notify me if i missed a payment. i was told that i should have received a phone call or a letter. i received neither. they have my correct information, including my email where i definitely receive my statement each month. i do not answer my phone if i don't know the number, but i get voicemails in XXXX, i get voicemails from car warrantly companies, i get voicemails for vacations, but i never received a voicemail from US Bank. i did not receive a letter, i did not receive an email. yet my payment was 6 weeks late and they charged me a late fee with no notification that i was late on my payment. when i called in they said there was no other way to notify me or alert me except the methods that they *did not* perform. this seems to me fundamentally dishonest, wrong, and quite possibly illegal. please keep your eye on them. thank you.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NY)

Recent credit mgmt. posted {$780.00} for 11 XXXX XXXX for {$780.00} for individual account account that is in accurate and violates Federal Truth in billing disclosure act and TTC law. Must be remove immediately.
Consumer complaint received 2021-04-22
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

The issue is with Kohls credit card services. I was added as an Authorized signer without my consent. My husband and I made many phone calls to have it removed, and was told it was removed. It is still showing me as an Authorized user with an outstanding balance on the account and the account currently closed with an outstanding balance. When I call Kohls they tell me they don't have anything showing me as an Authorized user and they tell me I have to contact the bureau however the credit bureaus tell me they respond to the reported information provided from the creditor and Kohls needs to correct the reporting. I have contact Kohls many times and have asked to talk with management and I have still not received any changes or resolution that I am not an account owner or obligated to the outstanding debt. I have been trying to get this resolved for over a year.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX  ; Experian and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX On or about XX/XX/XXXX I asked for a credit increase to {$10000.00}. According to the response it went through as I requested. XX/XX/XXXX I made a purchase at XXXX for @ {$36.00} and it was declined. After spending 1-2 hours on the phone with agents ( outside US ) I was told they couldnt disclose why I was declined, and after calling back agin that I couldnt be verified, and thy couldnt disclose why my card was shut down. 
On XX/XX/XXXX, after spending a considerable amount of time on the phone with XXXX in the fraud dept. ( I asked for fraud bc I know I could check activity and find out if there any fraudulent activity or attempted ID theft ) I was assured that my she took care of my complaint, and was going to send my complaint to management. Sill I didnt know why I was shut down. She assured me everything was OK with my card. Two hours later I went to pick up prescription at XXXX XXXX, and my card was declined again, my purchase was {$8.00}. I tried for another hour to get through as I needed to make another purchase while I was out and didnt have enough cash with me. 
After several calls I inadvertently closed my account by hitting the wrong response number while on with the robot, and the next agent told me that my account was closed. 
Im done with XXXX XXXX XXXX, but I have a right and they have an obligation to tell me why this happened.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (GA)

Can someone assist me? I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
Consumer complaint received 2021-04-22
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: I.C. System, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX/XXXX XXXX ... XXXX  XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC (OH)

In my credit report payment history I am showing XXXX CO, XXXX CO, and XXXX N. I have never missed a payment on this account. The letters CO and N on the corresponding months are in red. My XXXX payment was on time and I settled the account for less than what I owed later that month. The representative told me it would not harm my credit to do so. They said it would still be good for my credit score but not as good as paying it in full. Later I found that not to be true. I am working to try to resolve that as well.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (CA)

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which COMENITY BANK/XXXX  is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

COMENITY BANK/XXXX  is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2021-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (CA)

Debt was paid in full, Credit line was opened XX/XX/XXXX and last reported on credit on XX/XX/XXXX. Under the Fair Credit Reporting Act, We never received any written, oral or email notification that this account was going to collection or would be reported to the credit bureau.
Consumer complaint received 2021-04-22
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: EQUIFAX, INC. (PA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-22
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: SYNCHRONY FINANCIAL (MI)

On XX/XX/2021 I attempted to log into my PayPal account because my bill was due. Having issues I called to get help. After I was able to successfully reset my account, I logged in and noticed that my account balance was higher than it should have been. I immediately called costumer service again to report the fraud. I was later emailed that my fraud request was denied because the charges were " not unauthorized '' even though they were. I filed a report with IC3.gov giving my information because the local police department didn't help. I also called PayPal again to try to get an explanation ; no help. 

These are the dates and charges that I am disputing : XX/XX/2021 - a payment to " XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$200.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$50.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$10.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$30.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$500.00} XX/XX/2021 - a payment to " XXXX XXXX '' for {$240.00} XX/XX/2021 - a purchase from XXXX in the amount of {$340.00} None of these payments or charges are mine as I do not know a XXXX or XXXX XXXX ; I also thought my account was locked when I made the original claim on XX/XX/2021 but PayPal did not lock the account as requested as the obvious payments that took place after.
Consumer complaint received 2021-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TradeStation Group, Inc. ()

My name is XXXX XXXX XXXX and I have been the victim of a phishing scam. 
I wanted to transfer money from my TRADESTATION broker account with TRADESTATION BUILDING XXXX XXXX XXXX XXXX, XXXX, FL, ZIP XXXX and XXXX XXXX account to open another account at XXXX XXXX in XXXX. 
The problem came because the criminal impersonated the identity of an XXXX XXXX sales agent and I made two transfers ( below and in the attached document I indicate dates and amounts ). At no point did I suspect because I have done this several times this, and everything seemed normal. 
First he told me to make a transfer to an intermediary bank whose details are : XXXX XXXX XXXX XXXX XXXX., MAIL XXXX XXXX XXXX XXXX XXXX, NEW YORK. XXXX - XXXX XXXX 
Then the money would go to an account in XXXX. The data of this entity are : XXXX XXXX XXXX XXXX XXXX. 

In any case, the money had to go through XXXX XXXX XXXX XXXX XXXX before reaching XXXX ( I'm not sure about this ). 

In my opinion, TradeStation should have correctly verified the details before confirming the transfer, as my name does not appear on the destination account. Nor did the name of any other person or entity appear in this destination account, only the initials XXXX XXXX as the owner and beneficiary of the money. Of course, I also take my share of responsibility for not being more vigilant. However, if TradeStation had been more diligent with the transfer, none of this would have happened. 

The transfers made and the dates are as follows : First transfer : Date : XX/XX/2021 XXXX : XXXX XXXX. 
Transfer method : Wire Transfer Origin Entity : TRADESTATION SECURITIES Destination entity : XXXX XXXX destination entity : XXXX XXXX XXXX XXXX : XXXX XXXX transfer : Date : XX/XX/2021 Amount : XXXX XXXX. 
Transfer method : Wire Transfer Origin Entity : TRADESTATION SECURITIES Intermediary bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Account number at the intermediary bank : XXXX Account Title : XXXX XXXX Destination entity : XXXX XXXX destination entity : XXXX XXXX XXXX XXXX : XXXX  I attach screenshots of the transfers made and also of some emails where the bank details appear.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (FL)

Rent recovery solutions/ XXXX XXXX XXXX, XXXX XXXX XXXX , GA XXXX is still calling my phone harassing me about a debt collection I do not own. I asked this company for debt validation and to this day they have failed to validate the debt they claim I owe them. Its been over 3 months and still no debt validation letters. This company flagged XXXX to have this collection placed in my credit file. I have good credit and all on time payments in my credit file and this company is making my character look bad. I know my consumer rights and this company is in violation.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have reached out to this company a total of 6 times within the past year and have never received an answer regarding information on my credit report. I requested for this company to complete a fair investigation, Not only did this company fail to do that but they are knowingly reporting false information on my credit report. Many account have been illegally re aged, many collection agency accounts show a past due balance, many have the incorrect balances. At this point the credit bureau has absoublely disregarded every single one of my request! This is illegal and i need help rectifying the erroneous reporting on my credit report