davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc. (CO)

My husband makes periodic charges on Google Play on behalf of my XXXX daughter. Because Google automatically keeps our credit card information on file, he has to take the extra step of removing our credit card after each purchase. If we could get a history of activity on Google, you would see that he does this every time he purchases something from Google Play on behalf of my daughter. Google keeps this information in their data files. On XX/XX/XXXX, he authorized a charge on Google Play for {$19.00}. He removed the card before he handed the tablet back to her. 

Unbeknownst to him, Google kept the card on file and my daughter accidentally charged {$1500.00} in XXXX charges between XX/XX/XXXX - XX/XX/XXXX. I learned of the charges on XX/XX/XXXX and contacted Google for a refund. They said it didn't qualify since our card was in their system. My husband is very careful about removing the card after each purchase and says it had been removed. 

In order to prove that he removed it, I asked Google for documentation concerning the account activity ( each click and command given ) for XX/XX/XXXX and I was told they could not provide that for me. This is the only way I can prove that my husband had removed the card so I have no recourse in getting these unauthorized charges refunded. 

I understand that Google had to refund millions of dollars in unauthorized charges such as these back in XXXX and I don't understand why they are refusing to refund me now. 

We have disabled all purchase capabilities on Google due to this issue. My complaint is not only that we can't get a refund for charges we did not authorize, but that Google makes it hard to keep from being charged by automatically keeping your credit card on file and ready to be used after any purchase made. They should use it one time only and only store our card information if we expressly say we want it stored. The default should be a one-time use. For all the parents of children who like to make app purchases, this is the only protection we have from unauthorized charges. 

We did all that we knew to do to avoid unauthorized charges and yet, when it happened, Google won't refund us or provide the data needed to show that we removed the card. As of this writing, our credit card company, XXXX XXXX, also won't refund us. They say that Google disputes our claim that these charges were unauthorized so they won't credit the charges either. XXXX XXXX  's fraud services failed us in notifying us of international charges XXXX XXXX is based in XXXX XXXX as I had indicated on our alerts and the fact that a company was charging our card repeatedly -- 20 charges in less than a few hours -- and didn't send me an alert. I feel as both Google and XXXX are not offering the proper protection against the unauthorized charges that I've incurred.
Consumer complaint received 2020-03-10
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. (FL)

I just recently examined my credit report and I realized there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (MD)

I'm reaching out because Money Lion has reported m as being 30, 60, 90 days late on XXXX, XXXX, and XXXX for a payment that never showed in the phone app as being late.. If I was late on a payment or payment didn't go through ; that's the first thing that should show up when I open the app and not only was I not notified but It didn't even show me being late in the app. I spoke with a customer service agent earlier and explained that even if the payment was missed : which it wasn't The next payment was due two weeks after and the payments all come out automatically. Please explain why I would miss a {$20.00} payment that's auto debited on the day I get paid?? Other people have had issues with bugs on the app and I've had issues in the past. My payments should be updated to all of my payments being paid on time because this as a error on the end of moneylion. It's literally $ XXXX {$20.00} - I wouldn't go 90 days and not pay that small payment ; while making payments. I will attach a screenshot that shows all payments being mad eon time within the moneylion app
Consumer complaint received 2020-06-05
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX {$2700.00} XXXX {$1300.00} XXXX {$580.00} XXXX {$410.00} XXXX {$2300.00} XXXX {$330.00} XXXX {$590.00} XXXX {$840.00} XXXX {$500.00}
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I have had a 15-year mortgage with Wells Fargo for nearly 6 years. I have been making bi-weekly payments towards my mortgage and extra towards the principal for most of the lifetime of the loan. I today learned that Wells Fargo has not been applying any of this extra money I have been paying towards my mortgage, but has instead been holding the partial bi-weekly payments and extra payments in an " Unapplied Funds '' bucket, which they withdraw from monthly in the amount of 1 full payment. The end result is that rather than paying my principal down more quickly, Wells Fargo has been using these " Unapplied Funds '', for free, with no benefit to me, and I will need to pay my mortgage off for longer than I thought.

In the attached mortgage statement, you can see where the payment is going to " Unapplied Funds '' rather than towards the actual mortgage.
Consumer complaint received 2020-03-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is the second time i ask for this to be removed from my credit. The name on the credit card they claim i owe is wrong. My name is XXXX XXXX XXXX XXXX and the papers they sent me and are using to say i owe this debt from XXXX XXXX is XXXX XXXX XXXX. Thats not me
Consumer complaint received 2020-06-05
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)

This is the first time I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.
Consumer complaint received 2020-03-10
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

My wife was inquiring about refinance rates to chase bank for our mortgage and they ran my credit without my permission. I've been trying to get the hard inquiry off my credit report since XX/XX/XXXX of 2019 and chase have never resolved the issue, I have sent in a copy of my credit report with the hard inquiry and they said it was nonething that they could do.
Consumer complaint received 2020-03-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Asset Management Group, Inc. (MO)

Received call from XXXX, per name was XXXX XXXX - Finance Arbitrator for Global Asset Management.. XXXX XXXX. She stated that they were in the process of submitting for garnishment and lawsuit. She would not provide the account number for the company they are collecting for, or an address for their company. She provided only the File number. for the company that this collection was for. She stated that this is for the company XXXX XXXX, for an old car repossession from 14 years ago. 

She stated that she could stop this from going forward and that a lawyer could not help us at this point. Only she could help. She offered and settlement of {$1000.00}, made in 3 payments of {$330.00}, or a one time payoff of {$650.00} that could be made by credit/debit card or pre-paid card only. She completely refused to provide any other information about the company or herself, but continued to threatened pursuit of garnishment, and it could only be stopped if I made a credit/debit card or pre-paid card payment immediately.
Consumer complaint received 2020-03-10
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. (CO)

There is a XXXX XXXX XXXX credit card on my credit report. Fraudulent charges were made to the account. The account is older than seven years and I want it removed from my report.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I.Q. Data International , Inc. ( debt collector ) -contacted me via mail on XX/XX/2020 about a debt that I have disputed before and had removed from my credit report last year. This debt collector claims that I owe {$7500.00} and interest of {$1700.00} which equals {$9300.00}. They claim this debt is from XXXX XXXX ( WA ). I have no knowledge of this made-up debt and never received documentation proving that I owed this debt and for what the debt was for. This debt collector has contacted me again after the dispute was taken off my credit report and claiming that I owe this unfounded debt. I contacted them to let them know that this debt has been disputed and they need to prove documentation of this debt. They were never able to provide proof of this debt to XXXX when I disputed it last year and I'm still waiting for proof of this debt.
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have repeatedly attempted to have these hard inquiries removed ; there is no actual signature or proof of identity such as drivers license, they are not attached to an active/open credit account or firm offer of credit and are listed as unspecified, XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) ; XXXX/XXXX  ( XX/XX/XXXX )
Consumer complaint received 2019-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (IN)

On XX/XX/2019, I received a text from what I thought was BMO bank stating that I had fraudulent activity on my account. The text had an employee number and a supervisor name, so I called the XXXX number and I spoke with who I thought was a bank representative and I began answering questions and providing information thinking I was freezing my account and stopping the fraudulent charges. Only to find out they were not the bank but scammers who now had access to my account and took {$1100.00} of my {$1500.00} teaching pay check, with tutoring. The bank said its not going to replace any of my money because I provided the information. I've never been scammed and I don't know what the bank ask in those types of situations. The fraud took place in XXXX, Wisconsin, I live Indiana. I have filled out and paid for a police report. I'm so disappointed with this bank I've been a consumer with this bank since it was called XXXX, XXXX, and now BMO. I am transitioning to a new bank, but I am now behind in bills because of this. BMO is not a bank for your average working person.
Consumer complaint received 2020-03-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Neon Newco Corporation (NC)

Within the last month we have received 2 Netspend Prepaid Mastercards at our address with names of individuals that we do not know and that have never lived at our address. 
First card received was issued to XXXX XXXX and second card was issued to XXXX XXXX. I called the toll free number and refused the card from the first mailing. I could not speak to a Customer Service Rep by using the number provided because it's an automated system and there's no option to speak to a person. Why are these cards issued with our mailing address? 

1. XXXX XXXX # XXXX XXXX XXXX XXXX sent from Netspend 2. XXXX XXXX # XXXX XXXX XXXX XXXX sent from WesternUnion Netspend Both mailings have a return address of : XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (FL)

I opened an Lease with Chrysler Capital with my husband as the co-signer in XX/XX/XXXX. I paid for the least until XX/XX/XXXX when the lease /contract was bought off in it's entirety. My husband filed ( Himself alone ) for BK and Chrysler Capital removed the account history and payment from my credit report because the co-signer filed for BK protection. I called Chrysler Capital and ask them to please report the account back to my credit report as I have nothing to do with his financials or credit report. Chrysler Capital said that per their legal department ; they couldn't. I have tried to finance an new vehicle and has caused myself issues as my credit reports lacks the perfect payment history of car lease from Chrysler Capital. When I contacted them on XX/XX/XXXX. They told me the only thing they could do was to provide me an payment history in PDF. When received the pdf was blank.
Consumer complaint received 2020-03-10
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. (UT)

XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a XXXX letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation.
Consumer complaint received 2020-03-10
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. (OH)

I sent out numerous affidavits of dispute to TransUnion and XXXX  since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. XXXX  failed to provide such verification documents bearing my signature or methods to validate the account. TransUnion failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so XXXX  is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my TransUnion and XXXX reports.
Consumer complaint received 2020-03-10
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. (UT)

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NM)

Complaint regarding Experian 's manner of handling, specifically, their non-functioning website and phone system. I was attempting to lift a fraud alert that was placed by all three credit reporting companies. It was easy to lift the alert with XXXX  and with XXXX. They are to be commended for their customer service. However, it was near near impossible to resolve the issue with Experian. There is no logic or reason. Their internet website is a never-ending loop. The option to send a complaint form over the internet and to load supporting documentation is a test in insanity. It took 5 attempts to type in the initial information to get to step 2 to load the documents. After loading the PDF documents successfully, a message was received that documents could not be loaded properly, and sent me back to step 1, to the original blank form to type in initial information again. Their contact phone never gives you a chance to talk to a live person, just a looping never-ending voice mail directory. After battling with all of this technology and persistently choosing all of the applicable options, Experian directs you to send written correspondence by mail. A complete waste of time.
Consumer complaint received 2020-03-10
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. (UT)

XXXX  XXXX # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-11
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. (AR)

My husband and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX {$76.00}
Consumer complaint received 2020-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One # XXXX is reporting an account to my credit with a balance that is already paid off. This has been paid for some time and is still reporting a balance and I need this removed off of my credit.
Consumer complaint received 2020-03-11
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. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late in XXXX, 2020 on the XXXX XXXX  - partial account numbers XXXX. ( Please see pages attached from my credit report. ) I talked with the supervising manager of XXXX XXXX, her name was XXXX XXXX, and she verified to me that this account was in good standing and that there had never been a missed payment. She assured me that this late was reporting in error and that this late would be removed from my credit report. This false reporting of a late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.