davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I 've put various complaints in with  XXXX  regarding fraud committed by at the time my husband in which he had also taken  XXXX  other credit cards out under my name and each of those banks, did their investigations and found all credit cards taken out in my name to be fraud. Those credit cards are  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  , utility bills, gambling sites, and IRS. Also included was IRS and M ail Fraud. Th is particular credit card company because bills were being sent to the address they have on file which was my current address is the reason they are not investigating this as fraud. My husband was  XXXX . I worked and he did n't work and was receiving all mail correspondences at this home. I 've never seen a bill or even knew he had used my ss number to take this card out. I received a letter from a  XXXX   XXXX  - Custome r Advocate Team in  which I 've emailed him back on numerous occassions and he never responded to any of my emails including the police report filed, letters from other banks stating fraud was committed as well as filed numerous complaints. I have discussed this with my lawyer who has asked me to do a final contact to  XXXX  before I take other actions. After reviewing all the proof I 've collected to my lawyer, my lawyer stated I can receive serious damages for the credit issues my husband at the time has caused. There is a  XXXX  against  XXXX   XXXX  and I am prepared to work with  XXXX  to sign anything needed to clear me from this fraud. Please let me know
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/23, I contacted Regions bank with the merchant XXXX. I explained that there were 2 charges from XXXX totaling {$100.00} that I did not authorize. The merchant advised the Regions bank rep that I did not authorize those charges and to start the dispute process. It is now, XX/XX/23, and still no resolution. I closed my card out as instructed and went to the branch for a new card. I attempted to contact Regions 2 other times to no avail. I do not understand why it is almost 10 days since the dispute and nothing has been resolved. I have been struggling with banking reps both in the branch and the XXXX number being unprofessional and not helpful. This is absolutely unacceptable and have never experiences such nonsense. I want this resolved ASAP!
Consumer complaint received 2023-07-16
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. (GA)

I am very displeased and disappointed that my information has been in a few breaches which have allowed fraudulent accounts to populate on my consumer report. I was trying to buy a home and I discovered all these accounts. This is jeopardizing and violating my privacy and my consumer rights. Per 15 USC 1681 law, you all are in violation of this statute. I take my livelihood seriously and I am trying to better myself and my family 's life. This is not fair and I am demanding that credit reporting agencies to remove all fraudulent accounts immediately.
Consumer complaint received 2023-11-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (VA)

XX/XX/ : I paid off my vehicle ( XXXX XXXX XXXX ) with Hyundai Motor Finance . 

XX/XX/XXXX : I called Hyundai Motor Finance asking if they'd released my title to the DMV. They advised that, due to system errors, they could not do it at that time but would send it out within 72 hours. 

XX/XX/XXXX : I followed up with Hyundai Motor Finance and they stated that this had been completed. 

XX/XX/XXXX : a serious legal complication arose in my life where I needed to prove to the Court that my vehicle was titled in my name ASAP! I contacted the DMV for a copy of my title, they stated they did not have it. I then immediately contacted Hyundai Motor Finance, and the representative said there was " nothing they could do since the vehicle was paid off ''. 

XX/XX/XXXX : I spoke with a member of management at Hyundai Motor Finance who finally promised to take immediate action in getting my title released to the DMV. I asked for a confirmation email, they said they could not provide that but I should " trust them to get it done ''. 

XX/XX/XXXX : I went to the DMV to follow up on whether they received my title paperwork. Still NOTHING. Keep in mind, Hyundai Motor Finance has been WRONGFULLY holding on to my title - MY legal document showing ownership of my vehicle - for over SEVEN MONTHS!! This company has had NO sense of urgency in rectifying their mistakes and I keep getting different information. I NEED MY TITLE ASAP OR I WILL FACE HEFTY LEGAL CONSEQUENCES. And if that happens, I will be taking my own legal action against Hyundai Motor Finance for pain and suffering!
Consumer complaint received 2017-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (MD)

My loan began  XXXX   XXXX  with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost  2 two  years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00}  ..  as of  XXXX   XXXX  I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no  one  else fall victim.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made 3 large deposits into bank of america, they explained they had to call my Clients XXXX once it cleared I would be set to go. They sent letters to my residence of when funds would be released onl ; y for them to resend me letters extending the hold. 

1st incident XXXX XXXX I deposited the first check for {$21000.00} they flagged it. I was OK with the hold until they decided to extend it yet additional days even after it clearing from XXXX. 
They spoke to my client and gave him their word they would release the funds and held on to them, this caused me fines with my employees and made me fall behind on my projects and lose employees. I felt this was was due to my ethnicity. 

2nd incident It happened yet again on another deposit XXXX XXXX with funds released the XXXX after assuring me they would be released XX/XX/XXXX. 

3rd Incident XX/XX/XXXX clearing the XXXX this is in total violations of my rights!
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

XX/XX/2023 - Sent {$210.00} via Paypal to XXXX XXXX XXXX XX/XX/2023 - Sent {$210.00} via XXXX to XXXX XXXX XX/XX/2023 - Sent {$900.00} via Venmo to XXXX XXXX Total {$1400.00} sent I was making application fee and security deposit payments on a rental home that I have since found out is not available. They will not return my money. I was scammed by these fraudulent landlord imposters. 

I immediately stopped payment from my bank to both, but Paypal and Venmo are still taking the money and have put a hold on my accounts saying I have to pay as they do not protect me. 

This is so disappointing and I would like to recoever these lost funds since I am NOT getting a rental house - it was a total scam.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Way XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed and deleted from my credit report effective immediately. I am a attaching proof that Equifax is admitted that i was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report my claim number is XXXX
Consumer complaint received 2017-05-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

XXXX / XXXX /  XXXX   filed claim with  Wells Fargo re ference to payment to  HOA  made  XXXX    XXXX   throug h Bill Pay and the Management company on behalf of HOA claims payment was not received. I have contacted WF b ank several times through online inquiry and via telephone as of this writing. The payment was submitted via electronic transmission. I have already retrieved proof of payment via the Bank website ; however, this information is of no use to the  HOA management company as it doe s not indicate whom is in the possession of these funds and as of what date. Therefore, I have requested  of Wells Fargo  evidence of payment such as tracer and other associated transmittal information for proof to where the funds were transmitted and received. They have indicated that there is no error on their part ; however, continually refuse to provide proof as to when, where and who is in receipt of these funds . Representatives name s on today 's call was  XXXX  and  XXXX   XXXX . Additionally,  XXXX  was urging to waist my valuable time in placing a pointless and useless conference call after business hours. The  HOA management requires that I provide this necessary information so that we may locate where the funds were  delivered. I seek your help for expeditious resolve.
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (SC)

Commonwealth Finance is reporting a debt from XXXX XXXX XXXX in XXXX. I have not resided in Florida since XXXX. I have disputed this charge several times in which they have refused to remove from my credit. I did not XXXX XXXX XXXX XXXX any time since XXXX. If this is my account then Commonwealth has retolled/reaged this debt which is a violation of FCRA. I am requesting this be removed immediately.
Consumer complaint received 2023-10-10
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (NC)

I believe the account is invalid. DPEDNELNET needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.DPEDNELNET XXXX
Consumer complaint received 2023-11-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (MS)

On or around XX/XX/2023 I received an alert from XXXX XXXX that had a collection placed in my name from Transworld Systems. After review, it appears the original creditor is " XXXX XXXX XXXX '' for a charge of {$420.00} for an account opened on XX/XX/2023. XXXX XXXX XXXX is based in Texas, where I have never lived or had any utility services. Someone was able to open an account in my name through fraud. The account was closed and a collection placed that is affecting my credit. 

I called the company but they informed me I needed to go through these steps in order to have this negative occurrence and collection removed. They offered no assistance or details on how this account was opened without my knowledge or consent. 

I received no calls, emails, texts or notifications from XXXX XXXX XXXX notifying me an account had been opened or that a debt was owed until this collection appears on my credit alerts.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXXBalance : {$2600.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXXBalance : {$190.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2023-07-13
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: JPMORGAN CHASE & CO. (PA)

I was offered a discount on airline tickets if I opened/applied for their credit card, which I did, then received a discount as advertised. I used the account only once to purchase the tickets, paid the whole balance on 1st bill, then never used the card again. Many months later the account was charged an undisclosed membership fee which when I received the initial statements showing the fee charged to the card I ignored unopened because I knew I had not used the card and the number of legitimate bills I pay monthly are overwhelming to me to deal with as it is. When I finally opened their bill and saw a balance I called and they disclosed it was the membership fee with now late charges and interest. I explained the situation to the rep and I was told the charges would be removed and the account closed. The following month I again received a bill showing a balance with the fee not removed. I called again and again was told the balance would be removed. The next month I again received a bill for the fee. I again called and was told by the rep she could not remove the fee, only the interest so she transferred me to another rep to get the fee removed. This rep told me I had to pay the fee regardless because I waited to initially dispute the charge. They continue to bill me and add interest and late fees and theyre now trashing my credit rating. Ive spent hours on the phone with them already and I feel the charge is bogus and I should not have to pay it.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The balance due for this account is not the correct amount that is reporting on my credit report. The last statement for this card was {$650.00}, which has already been settled and discharged with the IRS. I'd like to ask for the original creditor to verify with the last statement for this account under UCC Article 9 that shows {$700.00} as the balance due on this account with the proper remittance so that I can properly settle this account or please delete this account immediately as it is inaccurately reporting under the FCRA.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

In the   XXXX   of  XXXX  and again in early  XXXX  Experian experienced a database glitch that deleted my Experian Inquiries. Once the glitch was realized, Experian added them back to my report. I have placed a freeze and fraud alert on my account. I was not given written notification 5 days prior to it appearing back on my report. computer glitch was Experian 's problem - not mine - caused my inquiries to be deleted. Experian later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted Experian in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that your rights were violated by Experian. Please CFPB help me make Experian stop victimizing me.I am asking that all of my Experian inquiries be deleted permanently from my report as a violation took place when they were illegally added Also the correct spelling of my name is   XXXX   XXXX   and Experian has repeatedly will not correct my name.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (IL)

My student loans were transferred from Great Lakes to Nelnet. I attended XXXX different universities with a few years off in between. My loans were not split on my account, but somehow they ended up with different due dates. I was only given one amount as my monthly bill and it showed on my payment schedule with that amount. I set up autopay for my monthly billed amount, which matched what was shown on my payment schedule. A few days after my authorized payment, they withdrew a second payment of a different amount. I did not set up this second autopay and never authorized the transaction. I couldn't find where that amount was coming from. Also, the payments were not allocated according to the choice I have set up. Additional payments are instead also going to the loan I have with the lowest interest rate. I called Nelnet on XX/XX/20 and waited on hold for XXXX minutes. The XXXX I spoke to was not able to tell why I didn't see my bills correctly. She put me on hold again and told me she was escalating the question to the technology team. She believed there was an issue in my permissions to see my account and suggested requesting a re-release of information so I could see both. She then put me on hold again. When she came back on the line, she instead suggested she merge my bills into one due. She never answered the question about how they withdrew money without authorization or why the allocation was wrong. The payment schedule still has not been resolved, but she did say it might take a few days. I understand that technical issues can happen and appreciate that she took the time to find the issue and suggest a resolution, but I am unhappy that they ignored the deeper issues I had about the financial aspects.
Consumer complaint received 2023-11-22
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. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (NJ)

I sent some money through wise to XXXX, XXXX since XX/XX/XXXX. I have been waiting for the money to be received. We decided to cancel the transaction after such a long waiting period. They refuse to recall or reverse the transaction. The recipient has been going to the bank to obtain the money and they cant locate the funds. The amount is {$1000.00}. O
Consumer complaint received 2023-04-24
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. (NE)

I am submitting this request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/