davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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: BARCLAYS BANK DELAWARE (PA)

These intuition ran my credit without my permission. In accordance with the fair credit reporting act .15USC 1681 they violated my federally protected consumer right to privacy and confidentiality. I need these inquiries removed off my report. They are negative reflecting my chapter. other intuition review my history to see if I'm an responsible candidate for their intuition and these hard inquiries were made without my written permission / or consent.
Consumer complaint received 2023-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2023 I paid XXXX for an apartment I never got the keys for. I was coerced into sending the money friends and family because XXXX XXXX and XXXX XXXX created a sense of urgency saying that the quicker they recieved the money the quicker I would recieve the keys. I sent them the money friends and family, signed a lease and never got the keys to the apartment. I called the XXXX Sheriffs office and XXXX XXXX ( the lady who formulated the lease ) has an active warrant for scamming me out this {$3200.00} and when they catch XXXX, XXXX will be criminalized as well. Right is right and wrong is wrong. I paid for a service and never received the service. Justice in the court of law will be served to these XXXX girls and Im expecting PayPal not protect this girl and her scams. I am requesting that this money is charged back from her account and returned to me.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-08-09
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. (NY)

The credit Bureaus are destroying my credit history unfairly and unjustified. 
Supposedly by a remark code, which was added to XXXX XXXX XXXX XXXX XXXX 
I am being Penalized every Single Months for the Same Reason, Although the bank has Confirmed the Absence of Such Remark Code. 
They also Penalized Me With Amounts of Discounted Points, which I Never Receive, After having Resolved These Disputes With Credit Bureaus. 
The Dispute are Completed and resolved every Single Months, But They keep adding the Remark Code, Every Single Months. 
I Need Resolve the Issues, They are Destroying My Credit.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (CA)

hello I have signed up the the Albert app. Upon doing so and linking my bank, now this company takes out money from my bank with no schedule or warnings beforehand. I have expressed my concern and eagerness to cancel, and even though they agreed not to take any more funds out of my account ( in writing ), they are still doing so and refuse to cooperate. They do not have an operational channel of communication, and all they do is ignore my messages. i have bank screen shots and message screenshots with this company. is there anyway to get a formal investigation against this company? seems like there are countless stories of scams from this company
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

I seen her listing on XXXX about a house for rent and I tried to reach out to the person supposedly renting this property and at first we started with a conversation and see if I qualified so I sent a {$50.00} XXXX transaction for an application then they asked me for {$450.00} transaction for a security deposit but they wanted {$500.00} more through XXXX or XXXX and thats where I noticed that they were trying to scam me so I tried to meet up with them and they didnt want to. I try to request my money back to the person I sent it to, and they declined it. I already made a report to my bank so theyre trying their best right now but even though if I dont get my money back I would like to see what can I do so they can stop this type of fraud. They also sent me an ID, which was the person that I was supposedly communicating with that person told me to send it to the account with the name of XXXX XXXX.
Consumer complaint received 2019-01-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: HYUNDAI CAPITAL AMERICA (KY)

To whom it may concern. We purchased a XXXX XXXX XXXX at the XXXX XXXX XXXX dealership located at XXXX XXXX XXXX XXXX XXXX, Ohio XXXX  The phone number is XXXX XXXX on XX/XX/XXXX. I owned a XXXX XXXX   before and loved it and we are enjoying our latest purchase. However, the Sales Manager is the one who closed our deal. His first name is XXXX. The Finance Manager is XXXX XXXX XXXX. The deal was we traded in our XXXX XXXX XXXX with only 30,000 miles on it and XXXX and I, ( XXXX  ), agreed in addition that we would pay another {$4200.00} and shook hands. He told me that in order to get the best deal, we would have to actually finance {$7000.00} and we would get {$2800.00} back once the loan was funded. Thus, is the agreed upon price of {$4200.00}. According to XXXX, the loan was actually funded on XX/XX/XXXX. We received a check in the mail on XX/XX/XXXX for {$2600.00}. I immediately called XXXX to inform him that the check was {$200.00} short. He acknowledged there was an error on their part and would contact the corporate office who issues the checks of the error and have them issue us another check for the {$200.00}. He told me that if I had not received it by Wednesday, XX/XX/XXXX to call him. I actually gave it till Friday, XX/XX/XXXX. He told me there were steps the dealership could take to find out what the problem was and would call me back that afternoon. He did not. I have called him multiple times and so has my husband and have also left messages with XXXX the Sales Manager and to date, neither one of them or anybody else has returned any of my or my husband 's calls. I am attaching the document that they call a " We Owe You Owe '' stating the above information along with the check stub of the amount we actually received. We are incredibly upset what this dealership has failed to do. And I have no other recourse unless I want to file in small claims court. This could cost me more that I am already out. This is totally unacceptable and should be rectified immediately. I am making my payments to XXXX XXXX. If I owed money and did not repay it, I would be turned over to collections and have my credit rating ruined. I am appealing to somebody, anybody to handle this asap. We would both appreciate some intervention. For a dealership as large as XXXX XXXX, I can't imagine that this situation would be tolerated. Thank you for your time and attention in this long over-due matter.
Consumer complaint received 2022-09-12
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: EQUIFAX, INC. (FL)

My credit report fico score has mysteriously dissapeared, all my accounts are active and used. So theres no way one second my scores just are gone and Im not getting approved for anything now. I have great credit scores that are mysteriously gone. I had a legal name change but that shouldnt affect it
Consumer complaint received 2023-08-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (SC)

The company is US Auto wrongfully repossessed my vehicle and then went out of business when I found out who then or was suppose to have the loan says they could not find me in there system. Weeks after of trying to figure out what was going on I then started to receive emails from a company that says they assumed the loan but I no longer had the vehicle & I was never behind and I was not notified that I was in a position to be repossessed. Prior to that the engine blew after only having the car for 10 months I had to pay out of pocket for everything to be repaired.
Consumer complaint received 2023-08-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (UT)

Freedom Mortgage has been pure XXXX to work with on getting my deceased father 's house out of probate. They have given confusing instructions. I was appointed as Personal Representative by the Second District Court of the State of XXXX  in XXXX Utah  for my father on XX/XX/XXXX. I confirmed on XX/XX/XXXX that Freedom received the required probate documents. We spent a week of getting nothing but roadblocks as I tried to resolve the situation. The plan is for me to take a hardship withdrawal from my XXXX XXXX  though XXXX administered by XXXX. I've requested a breech letter, so that my XXXX can release the funds. This is a VA backed Loan and the loan technician is XXXX XXXX and she has been great to work with, but she can only do so much Freedom Mortgage needs to provide the documentation needed for me to bring the mortgage current. I called Freedom Mortgage multiple times. On XX/XX/2023 I talked with a representative and I Identified myself as my Father 's representative through probate. She said I needed permissions from the co-borrower. Per the VA there is no co-borrower. Per the Second District Court of the State of XXXX  I am the representative of the only borrower on the loan. The late XXXX XXXX XXXX XXXX. The probate case number is XXXX and is filed at the XXXX XXXX XXXX XXXX XXXX XXXX Utah at XXXX XXXX XXXX XXXX Utah XXXX. This is a direct violation of the court order. They later required me send a copy of my Driver 's License. Something the first representative, whom later hung up on me never advised me, Their e-mail system sent me multiple rejections on the e-mail for the driver 's license image. I am the XXXX XXXX  in XXXX of the deceased and only borrower and have Power of Attorney on my his surviving spouse. Me and My Mom want to assume the loan, and I have access to the funds to assume the loan. Freedon Mortgage does nothing but drag out the process, give confusing and contradicating instructions. it's almost like they want to foreclose on the home of an XXXX  veteran 's widow so they can resell the property at a higher interest rate and my family loose everything. We need Freedom Mortgage to comply with the requests that both myself and the loan agent at the VA have requested, and we need it done in the next few business days.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Aqua Finance, Inc. (NV)

I pulled my XXXX recently and noticed that Aqua Finance reported me late in XX/XX/2023 on my pool loan. I have never missed a payment. If I recall correctly, i contacted them via phone to change my due date as it was set for the XXXX but kept coming out prior to the XXXX which caused banking issues. The rep over the phone agreed to move it to the XXXX of the month but the rep failed to do so, which apparently caused a late payment in the system. 

This isn't correct and I urge compliance to pull the calls and review this claim. This report to my XXXX is false and needs to be removed and marked as current.
Consumer complaint received 2023-08-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (TX)

On XX/XX/2023, I closed my CD account with BMO Harris Bank via online support. The amount of the account was {$34000.00}. I was told that it was banking policy to send customer funds on closed accounts via regular mail. Note, when i opened the account, BMO Harris Bank allowed electronic transfer into their bank but not fund transferred out.

After ten business days from the date of closing and check issuance of my proceeds, i still had not received the check. I called customer service and told them of the situation. After validating my mailing address, they told me it would take longer. In the several times i called customer support i received three different answers as to my check delivery time period.

After three weeks, i called customer service and stated that i had not received the check for my proceeds. The BMO Harris bank customer service agent proceeded to send my via email a lost affividavit form that i had to get notarized and submitted back to the bank.

When i read the cover letter, it stated that it would take 90 days from the original issue date before they would remit another check unless i obtained a surety bond. A surety bond costs between {$800.00} - {$1400.00} for the amount of my proceeds to obtain. Given the high cost of the bond, i sent back the notarized affidivat form XXXX  XXXX and a return XXXX  XXXX label ( at my expense ) so it would not go regular mail. ( I was told unless i provided a XXXX XXXX  account number, they would not pay for an express delivery. ) I asked if they could wire the money to me instead and was declined. Given their stringent policy about using regular mail to delivery customer account funds, there is nothing i can do to speed up the process. 

Lastly, by the time i finally receive my funds, over 90 days will have passed, no interest earned by me, and incremental costs for shipping and notary fees incurred ). Thank you in advance for looking into this issue.
Consumer complaint received 2023-12-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

A combination of XXXX  and XXXX has caused a hardship for my family, my income has been greatly reduced and we can no longer afford the payment. I asked for assistance, at first they asked me to pay XXXXXXXX XXXX XXXX XXXX times the minimum and called it a " program to assist me ''. After several calls I spoke with a " senior account manager '' who offered to waive late payment fees for the next few months. When I asked for " real hardship assistance '' they declined. I explained that I may be facing bankruptcy if we can't find a better solution, offered to sell my vehicle to pay a reduced settlement, they declined. I asked if they could possibly just write it off, they said that the account would have to be XXXX or more days past due and in default before we could discuss a write-off. I asked to speak to someone with more authority to make this type of decision and was told that there was no one with more authority and no other department. I really hope someone reads this who can help us, CapitalOne has been almost no help at all.
Consumer complaint received 2019-12-03
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. (OH)

My Name is XXXX XXXX I have requested some form of paperwork of legal docs supporting the claims of the following accounts : XXXX XXXX XXXX, XXXX XXXX. This is the 3rd time I have filed a complaint over the unknown account on my credit file. 
It is well known that FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for theseissues, and that section 621 of the FCRA supports my request in this matter
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2023, while on vacation in XXXX XXXX via the XXXX XXXX, XXXX was charged to my debit card by XXXX XXXX & XXXX ( which after investigating the location of this restaurant was determined to be located in XXXX XXXX ( 16-20 hours away from XXXX XXXX XXXX XXXX XXXX XXXX ) where the ship docked as our 2nd port of call. ) I notified Fifth Third Bank within 45 minutes of seeing the transaction post to my account since I receive email alerts of all account transactions. When I tried using my debit card at the port in a small shop called XXXX XXXX XXXX, I was told that my transaction was declined. I called Fifth Third Bank at XXXX to ask if there was a block on my card since I am from XXXX, but was travelling internationally. They said that I should be able to use my card but I did not swipe my card at any other location while at the port. This restaurant does not even have a location at the port nor was it possible to travel there during the 8 hours that our ship was docked. I have presented Fifth Third Bank with my travel XXXX, XXXX stamped photos of me in XXXX XXXX with the fact that they have recorded calls from me in XXXX XXXX to resolve this and reporting this issue while it was a pending transaction. I was given the phone number of XXXX from a Fifth Third Bank disputes team manager and the number is not even valid. This should have been an open and shut case of fraud, but the Bank will not give me my money back. I have no way of reaching out to XXXX. My issue is with my bank and its failed investigation and tge resulting hardship this has caused me financially.
Consumer complaint received 2019-12-03
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. (NJ)

I received an email purportedly from Experian about multiple attempts to access my account. I do not respond to emails that ask me for passwords, so I tried to contact the company directly. It turns out that there is no way to get a person on the line and none of the automated categories addressed the problem. The company collected my social security number multiple times but never was I able to find out more about the issue. Colossal arrogance on the part of this company!
Consumer complaint received 2019-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (FL)

I received a phone call today from Transworld Systems Inc. Upon answering the phone, the representative identified themselves by their name only, not who they were with, and asked to speak with my husband. When I stated that he was unavailable and that I was his wife, and how could I help them. They verified that I said I was his wife and then proceed to tell me that they were a debt collector and that they were calling to collect a debt and that the call may be recorded. They proceeded to tell me the amount of the debt and who the debt was owed to. I then asked to speak with a supervisor. I explained to the supervisor what had happened and that I was not listed on that debt. I questioned how they had gotten my phone number since I had no part of that. The supervisor, XXXX XXXX, stated that they were trying to collect a debt and that it was not a violation to disclose that information to me. Mr XXXX said that he was looking at the Alabama State Law and that he was permitted to release that information to residents of Alabama. I informed him that we lived in Florida and he said that was the case also. When I mentioned the FDCPA, he stated that it was within their guidelines also. 
Upon completing the call, I reviewed the guidelines, and my review indicates that it is a direct violation of the law for them to disclose the information concerning the debt to me since I am not listed on the debt. 
I then called back and spoke to Mr XXXX ' supervisor, XXXX XXXX. After explaining the situation to Mr XXXX, he also insisted that they were within their rights to disclose this information to me. I informed Mr XXXX that this debt was being disputed, and we had never received a bill prior to the one that we received from them. 
I am very concerned about this situation. I do not know how they obtained my phone number since, again, I am not listed as a responsible party for this debt. The methods that they used to obtain my number could have also obtained other numbers, such as his ex wife, and his personal, private information could have been disclosed to them. 
My husband will be submitting a complaint also on his behalf.
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any accounts which were opened without my knowledge, consent or authority within 4 business days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX Balance Owed : {$60.00} ; XXXX XXXX XXXX  Balance Owed : {$550.00}.
Consumer complaint received 2023-06-08
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: EQUIFAX, INC. (PA)

I recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant XXXX XXXX XXXX. XXXX XXXX XXXX {$110.00}
Consumer complaint received 2023-08-08
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/23 my XXXX XXXX informed me that there was a new hard inquiry from Capital One Bank. I did not approve this nor have I ever applied for a card through Capital One. I contacted them and they shut the application down and told me to contact the 3 credit bureaus. I contacted XXXX, XXXX, and XXXX. They put fraud alerts on my account. I am unsure of what to do from here as this has impacted my credit score and the credit bureaus do not seem to be resolving this issue. Any help is greatly appreciated.