davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

Resurgent Capital Services contacted me about a debt owned by LVNV. This supposed debt is over 18 years old and supposedly originated with XXXX XXXX XXXX which went out of business in 2006. The bank was taken over by XXXX XXXX XXXX and subsequently by XXXX XXXX. I have never done business with XXXX XXXX XXXX. 
I requested validation of the debt and I simply received an 'invoice '' no legal information was provided to prove that I originated the account. The type of account was not evern provided. 
I then disputed the debt. I received the same " invoice '' again with no legal proof I was ever owner of this debt. 
I sent a letter to cease and disist contacting me and also provided in writing a refusal to pay. 
Resurgent once again responded with the same " invoice '' which is absolutely meaningless. 
Resurgent needs to stop contacting me in any way. If this continues it will be viewed as harrassment and an attorney will be retained to file suit.
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (CA)

I contact PayPal about a fake account that took XXXX dollars from my account in PayPal credit. They transferred it to their account. There was also a XXXX XXXX XXXX for {$300.00} to an account I did not authorize. They were all fake accounts under fake names.
Consumer complaint received 2023-08-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I ask using the Western Union app. Each time you send a money transfer you are awarded points that you can either use as credit towards your sending fee. But almost every time I've tried to use the Tool, while it's on another page, it's been very difficult to use and has been basically useless to me most of the time. The loading time is endless. The page never loads on mobile or wifi. 

Most every time, I end up giving up and going back to the send page to send my grander l transfer and end up paying the send fee! I've complained before but never gotten a real response as to why this conveniently happens almost every time I try using my points. There's been several occasions I have allocated credits but when I go to submit my transfer my transfer credit is NOT applied and I end up paying the fee anyway. Then I notice my rewards credits are fewer than what they were before. I also see where I am not getting proper reward credits for transfers I've already made. 

The make millions on transfers but their rewards program is a failure and a fraud. 

Please assist me in this matter by looking into any other consumer complaints. Thank you.
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I'm frustrated because my consumer report still contains incorrect names and addresses, even after I submitted my driver 's license and disputed the wrong information about a month ago. The company already has my accurate details, so it seems like they're not making the effort to do their part. They should be following the rules outlined in the FCRA to ensure they delete information that's wrong, incomplete, or unverifiable. While they did remove one inaccurate entry from my report, they haven't fixed all the mistakes, which I consider lazy on their part. This should be the last time I have to dispute these incorrect names and addresses. They already have the right information from my driver 's license, so it's frustrating that they're not being fair and doing their job properly. It shouldn't be difficult for them to review a report and remove information that doesn't match what I provided to them.
Consumer complaint received 2023-02-17
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

XX/XX/2023 : International Money transfer initiated with western union for USD XXXX. 
All requested documents for verification provided during the transaction Email confirmation with XXXX as XX/XX/XXXX ( credited at recipient 's account ) sent by Western Union Money debited from my bank account XX/XX/2023 : No money credited in recipient account. When checked transfer status online said " The transfer is on hold and pending verification from the sender. For details, read more about the verification process. ". 
Contacted western union why transaction was put on hold. 
After calling customer service, the representative confirmed all requested documents were provided by the sender on XX/XX/XXXX, but they had a technical glitch and have escalated internally to resolve and credit money to the recipient account as soon as possible ( with XXXX XXXX when asked ). 

XX/XX/2023 : After XXXX hours, money still not credited, followed-up again and we got the same response. We were transferred to several customer service representatives with no resolution. The last customer rep in this call ( for over XXXX hours ) hung up on us after XXXX minutes of hold and did not bother to call back to give an update. 

XX/XX/2023 - XX/XX/2023 : We tried to call again in XXXX hours for rest of the week, still no update. Same message- we have escalated internally and money should be credited within XXXX hours. 
We have been trying to follow-up for the last 10 days but no resolution or an ETA to credit our money nor Western union is able to confirm where our money is.

Western Union is offering to cancel the transfer but will take around 7 days to refund my money with no clear ETA. 

We are incurring financial loss everyday with money not credited at recipients account.
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NM)

Wrote to collections showing copy of XXXX XXXX returning electronically XXXX $ to XXXX XXXX, due to a fraud on my account. XXXX XXXX XXXX, XXXX XXXX XXXX $ and finally XXXX  XXXX  XXXX XXXX These XXXX  accounts were scammed electronically and at the time of paying XXXX XXXX my balance was XXXX XXXX They kept saying they didnt receive v that money, hmmm everyone else did. They charged late payment which it was on time, and constant this charge that charge now its up to XXXX $ XXXX? The collection agency wouldnt get them to acknowledge they received that money
Consumer complaint received 2023-02-17
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Balance : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Hello. So my Chase checking account got closed due to suspicious activity because I XXXX XXXX to my saving account ( XXXX  ). So the funds ( XXXX in total ) inside are trapped and the bankers told me that I had to verify them to get back. So I did what they say and collect the phone numbers of people who deposit the money to my account. One person deposited using XXXX which can be verified but for the rest of the money ( amounting in XXXX ) the other people deposited by money ordering. A person from the headquarters told me that those can not be verify and the bank will hold it for 2 years and release them as government funds. I even told the bank that the people who deposited for me can literally go to the bank and verify for them. PLEASE HELP ME GET THOSE BACK BECAUSE I NEED THEM FOR MY TUITION FEES AND I AM AN XXXX XXXX
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS
Consumer complaint received 2024-04-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

Credit Management , L.P. 

Contacted me on XX/XX/year> via email at XXXX XXXX  cst requesting that I pay a debt in which I never owed in the first place. 


Company address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Company number : XXXX Company hours : M-F XXXX XXXX  to XXXX XXXX Central time except holidays Company website : www.creditmanagementonline.com
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-17
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. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MD)

I began receiving emails on XX/XX/24 that an account had been opened in my name with Chime. I have never opened a Chime account or given Chime any of my personal information. They had all of my personal details including my name, phone, email, personal address, date of birth, and social security number. When I called the cancel the account, the rep refused to give me any information unless I gave them my DOB, SSN, and email, basically all the information needed to fraudulently open more accounts.
Consumer complaint received 2024-04-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Better Mortgage, Inc. (VA)

I applied for a Home Equity Line of Credit ( HELOC ) through Better.com. They sent me XXXX checks : A check made out to XXXX for {$15000.00} to pay off a balance, which was overnighted to my primary residence in Virginia. 
A check made out to XXXX for {$21000.00} to pay off another balance, also sent to my primary residence. 
As of XX/XX/2024, XXXX has received their payment. However, the check sent to XXXX hasn't been received yet. Meanwhile, XXXX, who handles my autopayments, hasn't removed me from their system despite my request. I'm asking Better.com to reissue a check to me so I can pay XXXX directly. Alternatively, they can send a wire payment directly to XXXX for the amount owed.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NC)

I reviewed my Consumer Report and noticed that I have a few late payments on an account I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late for the account XXXX  ending in XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Bank of China USA (CT)

My account was closed by Bank of China in XXXX with no explanation provided. Previously, the bank as requested unreasonable information ( paystubs/proof of income, type of income for the account holder of the incoming wire sender ). When I asked them to show relevant terms and conditions or regulations from the federal banks regarding my responsibility to provide the relevant documents, they were unable to provide any. A few days later, they closed my account.
Consumer complaint received 2023-02-17
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. (TX)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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
Consumer complaint received 2023-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

I just got my report and i think its wrong! I was told i have a right to have aninvestigation done, creditreporting laws.ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct the fallowing information, therefore, needs to be reinvested. Please make sure everything pertaining to my credit report is corrct. 

Please provide me with the fallowing items. 
pay off disclosure intrest rate disclosure Balance history payment history credit insurance Accounts Fstprogress XXXX XXXX. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I need billing statements for a legal proceeding. I requested statements at the beginning of XXXX. Truist sent statements for XXXX, XXXX, and the available months in XXXX, however they failed to provide statements back to XXXX as required and clearly requested. I requested again and did not receive any response even though I allowed a few weeks for them to complete the request. When I called today, they said they were unable to complete the second request ( no notice provided ), but they would submit another request. I requested to speak with a supervisor to emphasize the urgency of the request, and after multiple holds, I was told no supervisor was available. They also informed me that statements were not available before XXXX until I pressed the representative and she said they could do research. Considering that I have been requesting these for a month and a half and nothing before XXXX has been received, I believe they have failed to retain appropriate records.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a Savings & Checking account with SunTrust bank on-line on XX/XX/2020. By ACH transfer, I deposited {$500.00} to the Checking Account to exceed the minimum balance necessary to avoid fees. I made another ACH transfer to Checking subsequently which remains in transit. 

At some point, on, before or after XX/XX/2020, SunTrust bank restricted my on-line access to the account. 

In speaking to a customer-service representative on XX/XX/2020, and later to a supervisor, I was informed that SunTrust bank closed my account for " general reasons. '' Upon my request for a specific reason, no answer was forthcoming. 

Upon requesting the return of my funds, I was informed by the SunTrust supervisor that he is unable to give me any estimate of when the return of my funds would occur.