davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION (IL)

The mortgage company was late paying both installments of my property taxes through my escrow account. They ended up paying the original balance but did not pay the late fees that came about from paying both installments almost two months late. They paid {$3700.00} on XX/XX/2023 when the payment was due by XX/XX/2023. Because of this late payment, a late fee was due by XX/XX/2023 that I got in the mail on XX/XX/2023. I contacted M & T and told them I felt more comfortable paying the fees and getting reimbursed because if they were not paid within the week then my property taxes would be sent to auction. I spoke with a representative and was told on the phone that I would get reimbursed once I paid the late fees and submitted the required receipt. I paid the tax fees to the county directly and submitted my receipt to get reimbursed. After submitting all paperwork, I received a letter saying the penalty was not charged to me, therefore there was no overpayment and I would not be refunded. I contacted them on separate occasions and asked to speak to a manager to clear this up and was told a manager would call back within 24-48 hours, however a manager never returned the calls, and I have been unable to speak to a representative to help with this matter.
Consumer complaint received 2024-01-28
Product: Credit 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: BARCLAYS BANK DELAWARE (MN)

I was sold a ticket for an event that advertised goods and services at specific locations. On the day of the event, I went to the check in locations and they were closed. I went to the other location advertised on the ticket sale, and the staff there told me the event did not exist. I also collected an email from that business that verified the seller had asked them to partner and hold and event, but that the business turned them down. The seller sold tickets with this company listed as a cohost when the event was never approved. 
I reported this to my credit card company, Barclays, on XX/XX/XXXX. I sent Barclays a copy of the ticket page that had this vendor special on the ticket sale, a copy of the businesses email stating they never agreed to hold the event, pictures of the closed locations I could not access, and several other customer complaints that their tickets weren't honored and that businesses said they did not have an event. Despite the fact I did not receive the services I paid for, Barclays says the scammer sold non-refundable tickets. They said that even though the businesses were closed and/or verified they did not agree to hold an event- that I have no recourse because the ticket was nonrefundable. In addition, the Barclays employees have lied to me on several occasion by telling me my case was open... when it was not. I spoke with Barclays dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; each time I was told by a Barclays representative that they could see this evidence, that it was " strong evidence, '' that my case had been reopened, and that the delay in a resolution was due to the fact that the Dispute team was busy. When I called on XX/XX/XXXX I was told the case had never been reopened, but that all the documentation was still available. I was not provided a sufficient response as to why I was misinformed for the past several months. When I asked for information about submitting a complaint to investigate the Barclays employees, they told me Barclays does not have a legal department or HR department. When I asked for proof my complaint was filed, they told me they were not allowed to send it to me. Barclays is not using reasonable time or judgement to address my dispute, and they are withholding information from me that I've requested.
Consumer complaint received 2024-01-28
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I HAVE FILED NUMEROUS COMPLAINTS ABOUT THIS SAME ISSUE IN THE LAST THREE YEARS!!! I NEED THIS RESOLVED ASAP! XXXX continues to report this USAA ADVERSE ACCOUNT as open and as a closed within the last 30 days They keep re-reporting it so every month my credit score drops 30-50 points!!! I can't keep living like this!!!! SOMETHING HELP ME OR WE WILL BE DRIVE TO XXXX!!!! USAA CLOSED THIS ACCOUNT IN XX/XX/year> AND with the help of XXXX USAA is HOLDING ME HOSTAGE BY CONTINUING TO REPORT THIS DEBT AS NEW AND THEN CLOSED WITHIN THE LAST 30 DAYS PLEASE STOP THEM FROM DOING THIS AS WE ARE BEING DRIVEN TO EXTREME POVERTY. MY SON HAS XXXX PLEASE HAVE MERCY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-01-28
Product: Credit 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 (GA)

My dad visited XXXX XXXX in XXXX FL in XX/XX/XXXX. He went 2 times and used 2 credit cards, XXXX and American Express. His XXXX card was charged with on XX/XX/XXXX with the actual fee of $ XXXX and fraudulent charge of {$6200.00} on the same date. 
He also went on XX/XX/XXXX and used his American Express card and was charged $ XXXX for supper and the same card was hit for {$3600.00} on XX/XX/XXXX. 
XXXX immediately reversed the charges and investigated when we reported the fraudulent charges. 
American Express has not reversed the charges after numerous phone calls and a certified letter notifying them.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to dispute the actions taken by XXXX regarding my accounts, which have resulted in significant financial and personal distress. I was a loyal and responsible customer of XXXX for ~20 years, and I have always managed my accounts diligently. 
Upon discovering unauthorized transactions on my XXXX credit cards. I immediately reported these fraudulent charges to XXXX, and after an investigation, final credits were issued in my favor due to the fraud. However, to my surprise, over a year later, XXXX reversed these credits without warning, charging me back for the fraudulent charges. 
Following this, XXXX took drastic actions against me, including restricting my online access, closing all my accounts ( except my auto loan, which was initially not accepted for payments ), and refusing to send me billing statements. Furthermore, XXXX reported all my accounts negatively to the credit bureaus, despite the fact that these issues were caused by identity theft and not by my actions or negligence. This is supported by the FTC affidavit, police reports filed, as well as the culprit being prosecuted for the fraud. 

Despite claiming the information being reported is accurate, XXXX has now sent me checks for the disputed amounts for my credit cards and auto loan. However, I am deeply concerned that XXXX has refused to correct the negative reporting to the credit bureaus. This inaccurate reporting is damaging my creditworthiness and reputation, despite my innocence in these matters.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Bank of America credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Bank of America on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Bank of America notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Bank of America stating " they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to BOA questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with BOA and suggest I contact CFPB for further assistance if I am not satisfied with the resolution.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Transunion for making it difficult to upload all dispute documents on their website. Recently, I attempted to file a dispute on their website and upload supporting documentation. Unfortunately, I found out that they only allow a total of 5 MB of documentation to be uploaded. This is extremely inconvenient because it is equivalent to only 1 or 2 pages of documentation. 

As a result, I was unable to upload all of the necessary supporting documentation to fully explain my dispute, and I feel that my dispute was not fully represented. I believe this is an unfair practice that makes it difficult for consumers to have their disputes fully resolved. Also, when I go back online to follow up on the dispute ; the system doesn't show which disputes were made and there is no email confirmation of the submittal of the disputed accounts like there was for the account statement notification. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Transunion to ensure that they provide a fair and efficient dispute resolution process for all consumers. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Credit Bureau Disputes XXXX This is the letter I tried to send to ALL THREE CREDIT BUREAUS XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX ( 8 days ago ) to me For the past two years the three Credit Bureaus, such as, Trans Union, XXXX, XXXX I believe have targeted my credit report unfairly due to me being " XXXX ''. 

I have received reports where they have taken up to sixty plus points from my report with no cause. where as, when I pay off a creditor, they the three bureaus will add maybe four point ; if that., This is not the first time I have written complaining about the injustice. I have talked with others minority ( s ) and they're saying the same thing is happening to them as will .... I have battled with being compromised from XXXX, had police reports and all and the credit bureaus ignored the facts. Now I am needing to battle with injustice. Again, each time points are taken from my reports, the returns are less then what has been taken. Please have someone look into this matter. It appears I am being targeted. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-04
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: EQUIFAX, INC. (NY)

My credit report is showing late payments to XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Consumer complaint received 2024-01-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
Consumer complaint received 2024-01-28
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: EQUIFAX, INC. (MI)

Dear XXXX & equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 



XXXX XXXX XXXX : These accounts on XXXX have not updated last reported day & 120 + 120 with both bureaus supposed to add 150 days instead of 120. This is inaccurate & last payment date can they send a payment from that date not charges & update the comment section on XXXX. Or delete & i have 2 different payment received on XX/XX/year> & XX/XX/year> PLEASE SEND DOCUMENTS OF BANK STATEMENTS STATING YOU FURNISHED FUNDS PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF KIKOFF LENDING LLC : there are no negatives in payment history so there inaccurate & how im late on XXXX  90 days & late on EQ 60 days theres no update in comments section & these accounts on XXXX  HAVE NO UPDATE SUCH AS LAST DATE REPORTED. PLEASE PROVIDE BANK FURNISHED STATING MY NAME OR ROUTING NUMBER. No any charges that doesnt verify. PROOF IN PDF 15 U.S. Code 1681i - Procedure in case of disputed accuracy- bank name or routing not charges that doesnt verify my identity 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (MI)

I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a XXXX  job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX  XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations. 






Company has lied about final settlement and manipulated it multiple times
Consumer complaint received 2024-01-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (WI)

I used Remitly to send money to XXXX. The aplicacin at first didn't fin the account but eventually a low the money to go through. After a month, the business we set the money to sent us a notification that we never paid them. I contacted Remitly and they started an investigation. After three weeks of not hearing back, I contacted them again. They said they received a verval confirmation from the recipients bank that the money was deposit and asked me for the recipient bank statement from the month of XXXX. As a business, they will not provide a bank statement to me. All I need is for Remitly to give me an statement confirming that the money got to the account and I can send that to the recipient or a refund.
Consumer complaint received 2024-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received a denial for an auto loan on XX/XX/. This Notice of our Decision Letter states it was based on my XXXX Credit Report. Regardless of the reason for being denied I have the right to credit. Withholding my access to securities is securities fraud. This corporation USAA and XXXX are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Title 15 USC 1691a states it is unlawful for any creditor to discriminate against any applicant. The Truth and Lending Act protects consumers from inaccurate and unfair credit and billing practices. Reporting to a consumer agency is voluntary according to the CFPB. In fact denial of my right to credit caused me distress. There are no federal laws stating a credit score can deny my right to extended credit. 

XXXX XXXX XXXX, Beneficiary
Consumer complaint received 2017-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MI)

XXXX XXXX went to this loan place XXXX XXXX at XXXX XXXX XXXX mi useing my ssi number to get auto loan this fraud. her address XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX.
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (TX)

exercised right to rescind the contract due to XXXX XXXX fraud and breach of contract evidenced CONSUMER FINANCIAL PROTECTION BUREAU case and complaint id # XXXX as evidenced on the records, i.e. credit reports, fraudulently -- no lawful nor legal consent was given -- created and stored by the accomplices and accessories XXXX XXXX aided and abetted, in disregard to the laws, XXXX XXXX has criminally and publicly committed fraud, defamation of character and libel crimes while, again, aiding and abetting, which is another crime, third parties, i.e. XXXX, XXXX, and EXPERIAN, all of which are accomplices and accessories -- by way of negligence or not -- to assist in carrying out the unlawful and illegal offenses, crimes and violations against XXXX XXXX and causing severe personal injury and damages to XXXX XXXX and authorized representatives.
Consumer complaint received 2024-01-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (CO)

Venmo suspended my account and said I had to upload a photo of my government ID. I provided this, as I had done before years ago, but they did not unsuspend my account. instead they requested a video of me holding my ID. I requested an alternative method for verification as I take my privacy seriously and can not provide a video of myself to an unknown person. I can find no references to this requirement in any know your customer regulations or other industry standards. I again asked for an alternative method of verification which they declined. My account is still suspended and I can not access my funds.
Consumer complaint received 2024-01-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Thaxton Investment Corporation (SC)

This company has failed in the obligation of permissible purpose 15 U.S.C. 1681b.

They have furnished my account without the written insturctions of whom the consumer relates.

I did not give them permissible purpose to furnish my account nonpublic personal information they have invaded my privacy and had no regard for the privacy rule 15 U.S.C. 6801