davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XX/XX/2021 I downloaded my credit report from Transunion. On that webpage was a button I could press to get my credit score from Transunion. I pressed it, got a website to enter my information and saw an agreement to authorize Transunion to check my credit reports at various credit rating agencies. There was no language about authorizing any charges on my debit card. The website asked for the number on my debit card which I submitted. I was expecting to receive a FICO 8 or FICO 9 score because I had planned to request a credit card soon. I also expected the report of my credit score to be free of charge. As soon as I pressed the button to transmit my information I got a fraud alert from XXXX XXXX XXXX XXXX about fraudulent charges on my account in a text message on my mobile phone. I reported what Transunion had done to me by phone and the agent at XXXX gave me a number XXXX at Transunion to fix the problem. 
Transunion tried to claim that I authorized the charge and that I also authorized continuing monthly charges of {$24.00}. I was outraged and let the lady at Transunion know it, let her know that this could be prosecuted under the RICO statutes as felony fraud. All she would do is to stop the subscription and continuing fraudulent charges to my debit account at XXXX. The credit score I received was a Vantage 3.0 score which is available for free from XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX. 
This charge of {$24.00} for something that is free is outrageous, and clearly felony fraud. 
Any merchant must clearly specify if charges are to be made before making charges. To the maximum extent possible I request the fraudulent charges be removed and that Transunion be investigated by FBI under the RICO statutes.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (NJ)

I am missing one of my Wells Fargo Credit Card account on my XXXX Credit Report. My account from Wells Fargo : XXXX is not reporting on my XXXX credit file. The account disappeared off the file about 3 months ago although it is still open. The account has a credit limit of {$2000.00} and this is affecting my credit utilization rate tremendously. I need this problem fixed as soon as possible.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FIRSTBANK PUERTO RICO (PR)

On XX/XX/XXXX FirstBank of Puerto Rico Charged-off a Credit Card account to another Debt Collection Agency called XXXX XXXX XXXX '' which is currently out of business. I settled with said entity shortly after. However there is grossly inaccurate information reported after the account was closed and remains on my Credit History up to XXXX of XXXX when the account was closed and settled, thus violating my right as protected in the COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without my written concent.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (NY)

Send wave Remediation In re : Chime Inc d/b/a sendwave. XXXX no. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Sendwave was ordered by CFPB to refund me {$14.00}, which they never did. Sendwave claimed that my refund check will be voided after XXXX. Sendwave never sent me a check till today. To this end, iam appealing to CFPB to mandate sendwave to refund my money as ordered. Iam thanking you in advance for your assistance.
Consumer complaint received 2023-08-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation imposed on my PayPal account ( XXXX ). I firmly believe that this limitation has occurred due to an unfortunate misunderstanding or technical error. 

I would like to emphasize that, to the best of my knowledge, I have not committed any actions that violate PayPal 's policies or terms of use. I have always been committed to upholding the integrity of the PayPal platform in all of my transactions and interactions. It is distressing to me that my account has been limited, and I am left without the ability to access the services that PayPal provides. 

I kindly request PayPal to thoroughly re-investigate my case. I am confident that a closer examination will reveal that there has been a misunderstanding. If any discrepancies have been noted, I am more than willing to provide any necessary documentation or information to clarify the situation. It is of utmost importance to me to have my account reinstated so that I can resume utilizing PayPal for my legitimate transactions. 

I understand the need for PayPal to maintain a secure and trusted platform for all users, and I fully support these efforts. However, I am convinced that my account 's limitation is the result of an error or misinterpretation. I respectfully ask that you reconsider the limitation and restore my account as soon as possible. 

I appreciate your time and attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. Please feel free to contact me at [ Your Contact Information ] if any further information is required from my end. 

Thank you for your understanding and prompt assistance in this regard.
Consumer complaint received 2021-03-13
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. (AZ)

XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX/XX/XX/2016 and then again in XXXX/XXXX/XX/XX/2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Consumer complaint received 2021-01-18
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. (PA)

While reviewing the overall credit profile, the XXXX XXXX XXXX XXXX continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department XXXX XXXX XXXX.
Consumer complaint received 2021-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO Bank, N.A. (IL)

I have been dealing with BMO Harris since last XXXX regarding what they claimed to Be late payments. The payments occurred as their interface is misleading and they had switched mobile systems which were preventing me from Logging in as I did not know. When I called, they demanded i go in person despite my concerns about COVID. I asked for statements as I had no way of knowing. Then my kid was diagnosed with XXXX in XXXX and me in XXXX. Despite me telling this ro BMO On the phone ; in email, and va letter. They continue to put marks on my credit report. I have since called and went into the bank. The banker called the credit card portion. I spoke with 5, FivE, people that day - two from collections, a customer service rep, somebody who screens the calls, the banker - the level of service was ridiculous. I explained to each of them as I have to at least three other customer reps in the the phone plus multiple emails and letters that I was locked out of the online system and BMO was refusing ro send me statements. They are presumably charging late fees and interest but I have yet to receive a statement which I have demanded each time I have spoken with them. They told me that I would have to start a new dispute that the account had been sent to their collections. I was debilitated with XXXX  for months. Now, I am having an XXXX XXXX up likely related to XXXX-I have XXXX and XXXX along with XXXX XXXX XXXX. I want the entire account resolved but after over an hour on the phone with five people after months of trying to resolve this, I am fed up. I left a message for the banker these days ago and have not heard back. I had to keep repeating that I needed a statement and they kept asking if I wanted to pay the amount due. They did not keep notes in My account and I have to be a broken Record. I asked if I did another dispute for them to expedite it and stop putting late remarks on my credit report expressing my preference that they honor the first dispute. The representative said that there could be no guarantee to honor any request and it would take thirty days. What is more- I had never had a late payment nor a single other negative remark on my credit report.
Consumer complaint received 2021-03-12
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. (FL)

I sell cars for a living and few years back i lost my wallet with all my social, driver license and credit cards in it. I requested a fraud alert on my credit because someone stole my identity. I am not a person that checks their credit frequently but i recently check it because i am trying to get a home for my family and i. I saw a few accounts on my profile that i have no idea about. there is a few of credit inquires at dealerships. I am not looking for nothing at all. I did not authorized them. I already have 1 car why would i need another? I reach out to the credit bureaus XXXX XXXX and transunion regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself.
Consumer complaint received 2023-06-01
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I submitted a dispute with Experian about a paid and closed account with XXXX XXXX XXXX. The account was paid in full and closed but was showing as open with no reporting of payment for 60 days. Due to this, I was denied a mortgage. After calling XXXX, I was given a paid in full letter and told to dispute the information with the credit bureaus. I complied and submitted the letter from the company, payment confirmation numbers and emails for the total balance in question. The results came back today that XXXX certified the wrong information as correct. I called them immediately and they said that was impossible because my account is closed. Also, if I have and submitted documented proof, someone at the credit bureau should have at least looked at it. They clearly did not. If consumers are reporting a creditor for reporting false information ( especially more than once ) why would the bureau automatically take their word and not really investigate it. Ive let it go for years and accepted the results but this is actually costing me opposed its wrong.
Consumer complaint received 2023-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (OH)

The consumer must contact the bureau regarding notification prior to an entry being re-entered on the credit report. If the consumer believes this is fraud, we ask the consumer to send us the Identity Theft reports ( police report, FTC report, etc. ). Once received by our office, we will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. As a 90-year old company, Caine & Weiner wants to help consumers in any way possible.

Im attaching documents to remove this item could not find an email or fax number
Consumer complaint received 2021-03-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (CA)

I was solicited to refinance with PHH mortgage, the company that currently finances my investment property. I began the process in XXXX of XXXX. After 4 months of repeated delays and duplicate requests for information, my application was rejected based on the appraisal they ordered and provided to me. I applied for a no-cash refinance for a lower rate and lower payment in the amount of {$140000.00} and the property appraised for {$920000.00}. They rejected their own appraisal and denied the application based on " Inadequate collateral - unacceptable property ''. I was verbally told my property was not in zoning compliance but Per the appraisal : Per public record, subject shows as a XXXX unit, however, upon inspection, subject is a XXXX unit building with separate meters. It appears to have been converted in a workmanlike manner ZONING COMPLIANCE DEFINITION SUBJECT IS IN COMPLIANCE WITH ZONING AS AN XXXX XXXX Mixed Housing Type Residential - XXXX Zone. The intent of the XXXX XXXX is to create, maintain, and enhance residential areas characterized by a mix of single family homes, duplexes, townhouses, small multi-unit buildings, and neighborhood businesses where appropriate. 

So, per XXXX zoning definition above, even if PHH considers it a duplex it is zoned appropriately. Additionally, the loan to value ratio would be well within acceptable limits even appraised as a duplex. I escalated this to a manager with an email on XX/XX/XXXX. To date, I have not received a written response.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am currently unemployed, last pay check was XX/XX/21. I filed for unemployment, received my PIN to make claims. Filed first claim XX/XX/21 and received confirmation that it was being processed. Filed my second week claim on XX/XX/21, received confirmation that it was being processed. I have yet to receive any unemployment funds to my Bank of America account. I had multiple overdraft charges hit my checking account ending in XXXX. The first call to Bank of America was XXXX XX/XX/XXXX. They would not refund all overdrafts despite that Im unemployed and havent received my benefits. I was on that call for 57 minutes. That call was made at XXXX. The final Supervisor that I spoke to was XXXX. I have had overdrafts in the past and at no point did anyone tell me about Safe Balance Checking that charges a {$5.00} fee each month so I went ahead and switched over to that while on the call. Another overdraft fee hit my account. So I still have two fees totaling {$70.00} that have not been refunded. I just called Bank of America again today, Friday XX/XX/XXXX at XXXX, located in Arkansas . The second Supervisor I spoke to, XXXX, lied to me and kept giving me the run-around. She stated she was the highest manager there. I had to keep asking who she reports directly to. FINALLY, she said XXXX. I asked to hold for XXXX and XXXX stated that XXXX wasnt available. I said I would hold for as long as it takes. She stated XXXX doesnt speak to customers. I said I would hold for her. She ( XXXX ), then said that she can get XXXX to call me back as shes assisting other customers. I said I didnt think she spoke to other customers and she said she speaks to Clients ... I said I would continue to wait. I kept holding. XXXX said she would let me speak to XXXX, another Supervisor but not her peer. I said I would continue to hold for XXXX. She transferred me to XXXX even though I wanted and continued to hold for XXXX. She finally put XXXX on even though I wanted to hold for XXXX. XXXX said he couldnt assist me any further and WOULD NOT LET ME HOLD for XXXX and that he would disconnect the call. I said Im staying on until I speak to XXXX no matter how long it takes and XXXX disconnected the call. That call lasted for 1 hour and 18 minutes. Mostly on hold. I want the {$70.00} in fees returned to my checking and then Im taking my business elsewhere. Im not going to deal with a financial institution that deals in lies and deceit.
Consumer complaint received 2021-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Adjustment Company Incorporated (GA)

This was a bill for {$350.00} which was paid by my insurance company to the Ambulance company, Now the a collection from an unknow company trying to collect {$1000.00}
Consumer complaint received 2021-03-23
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: CITIZENS FINANCIAL GROUP, INC. (WI)

We bought a XXXX XXXX XXXX new. We got a loan from Citizen 's Bank of XXXX. We paid the loan off in three years. Citizen 's Bank was contacted, and asked to release the lien. They did not. Several times over the years, we asked them to release the lien. They said they would, and they failed. We gave our car to our daughter last fall. We found out the lien was still on the car. We called again, the guy said he'd take care of it. Evidently he didn't. 

Now our daughter is trying to title and license the car in Nebraska. She can't because of the lien. We called and called the bank again today ... ..no luck. They said it was released according to their records. DMV in XXXX says no, it still has lien on it. 

We need some help ... and this is timely. Our daughter needs help. Please, can you help us?
Consumer complaint received 2021-01-18
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. (FL)

I have already told this company numerous times that I withdrew from the college classes within the 30 day period, the school refunded the loan to the lender, but they are threatening to garnish my wages. I did not complete the classes, I withdrew from them within 30 days, I do not owe any student loan debt.
Consumer complaint received 2022-01-03
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. (IL)

I was taken advantage of due to Malpractice by this credit reporting agency while several laws were being broken under the FCRA by this company. This has called me financial injury, defamation of character due to their willful non-compliance. I have been denied credit from multiple lenders, I can not get a Job & have not been able to qualify for a XXXX Loan due to the coronavirus pandemic because of my credit.
Consumer complaint received 2021-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX/XXXX has very old missing payments where I didn't received a bill and didn't know it was due. Payments were made and closed the account. The late payments are 5 years old happening in XXXX of 2016 and then again in XXXX/XXXX/XXXX  2016. This is 5 years ago and I have been in good standing with them every since. Not planning on using them again and my credit score has suffered for 5 years. Please consider removing this LARGE negative impact due to their mistake.
Consumer complaint received 2021-03-13
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: Byrider Franchising, LLC (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IA)

I received several pieces of mail to my house directed to XXXX XXXX. My former married name was XXXX, so I thought that maybe they just got my first name wrong ( my name is XXXX ). 

Upon opening it, I saw a large bill for XXXX XXXX. I spent an entire day calling back and forth to XXXX and to a doctor in TEXAS ( I'm in IOWA ) that this alleged bill was for so I can tell them this has nothing to do with me as I'm in Iowa and haven't been to Texas in 30 years and this is not my name. I also haven't been to the doctor in over a year because I was laid off due to COVID, so this definitely has nothing to do w/ me. 

They said to just ignore it if it isn't for me, so I did. I was sent bills in the mail on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I probably got one in XXXX, but didn't get a date and scan of it ) XX/XX/XXXX Then, collection notices arrived on these dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Now, the collection showed up on MY credit report for this in the amount of {$1500.00} for the following creditor : CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX It says the original credit was XXXX XXXX XXXX. I am not the intended recipient of this debt and did everything in my power to tell them so before it ever went to collections.