davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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 writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-05-27
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. (RI)

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE LAST DATE PAYMENT
Consumer complaint received 2020-08-14
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. (FL)

XXXX XXXX XXXX XXXX has been resubmit or reinserted to my Transunion Account without my knowledge or consent without notice within 5 business days of reinstatement. The is a violation of FCRA rules. TransUnion is intentionally violating FCRA rules section XXXX Notice that this account has been reinserted and remove numerous times from my TransUnion credit report. 

Please see attachment ; After being removed on XX/XX/2020 XXXX XXXX XXXX XXXX was the reinsurted again without my knowledge on XX/XX/2020, Account was then removed On XX/XX/XXXX for violation. And today again XX/XX/XXXX for you XXXX XXXX XXXX  has been reinserted without five business day notice. A violation of FCRA rules section XXXX
Consumer complaint received 2020-10-01
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: Experian Information Solutions Inc. (FL)

XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX Last reported XX/XX/XXXX {$5800.00} Reported balance XXXX   XXXX XXXX Last reported XX/XX/XXXX {$3100.00} Reported balance XXXX XXXX DOB XX/XX/XXXX SSN XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (OH)

SOUTHWEST CREDIT SYSTEMS, say I owe XXXXXXXX XXXX  {$580.00}. It went into collections on XX/XX/year>. I was XXXX  in XXXX XXXX XXXX XXXXrom XXXX XXXX XXXX XXXX Not at any time prior to my XXXX  or after being released have I had any accounts with XXXX XXXX. tried disputing several time to no avail. They keep saying the account is accurate when I know its not.. if they have an account in my name than its due to identity fraud
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

I referred XXXX XXXX to the Chase Freedom card. I gave him my referral link and he was signed up and approved. I never got my bonus referral points. I tried contacting CHase and got no help.
Consumer complaint received 2022-11-09
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. (WV)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (PA)

Hi I was trying to use xoom ( https : //www.xoom.comXXXX  ), A XXXX affiliate company to send money to XXXX. They collected all the information and then cancelled my transaction. They asked me to provide the ID Proof ( Drivers License ) and Bank Statement ( Which I did provided ). 

Date of Transaction : XX/XX/2022 Date of Document uploaded : XX/XX/2022 Date of email received about failure to receive the documentation : XX/XX/2022 However I recieved an email that they can not complete the verification. 
When I called customer service on XX/XX/2022 at XXXX XXXX EST, the customer agent told me that my statement is ending on XX/XX/2022 and they need the recent activity showing my current balance from the bank website and I will receive an email with instructions on how to provide this information. 

However I never received an email. When I contacted customer service again and asked for supervisor, he told me that they only accept Montly bank statements and will not accept my latest activity downloaded from bank as valid proof and I can only upload my next bank statement on XX/XX/XXXX and therefore they are cancelling the transaction. 

This was not what I was told on phone and despite me having sufficient money and ability to demonstrate that, they refused to process my transaction. In the process I lost money due to exchange rate fluctuation. 

I tried to reach out to both xoom and XXXX  and they told me they have no complaint departments for these type of complaints. 

My request is they disclose their policies clearly on type of document they are collecting for verification and specify that bank statement is the only one acceptable to demonstrate the balance so that consumers can make informed decision. Also the information provided by multiple xoom agent was misleading and caused additional delay for me to find alternate service.
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Credit Union (AZ)

I was attempting to sell my XXXX XXXX XXXX to a private buyer that I met on XXXX. My car was listed for $ XXXX. The buyer sent me a check for {$33000.00}. He told me that the extra money was for a courier to pick up the car and take it out of state. On XX/XX/XXXX, I deposited the check and informed the bank, Alaska USA, that I deposited a check to satisfy the lien. I was informed that same day that the check cleared. I then called back the next day, XXXX hours, XX/XX/XXXX to verify the check did indeed clear. I was told that check DID in fact clear. I then proceeded to communicate with the buyer that he was the new owner of the car and asked how he wanted to proceed with the transfer of ownership. The buyer asked me to send him {$3600.00} via XXXX to pay for the courier. I sent 4 installments from my personal checking account - ( XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$850.00} ; XX/XX/XXXX - {$900.00} ) thinking I would receive a check from the bank ( essentially reimbursed ) in a few days because I paid over the lien amount. In Arizona, to complete a private auto sale, a Bill of Sale must be completed. When asking the buyer to send me his information to complete the paperwork, communication became very spotty and I became suspicious. On XX/XX/XXXX, I called Alaska USA and asked them the status of the check that was deposited. I was then informed that the check was fraudulent. I asked the bank when anyone planned on telling me and the person said they would mail back the check several days later. Had I not called on XX/XX/XXXX, I would have never known the check was fraudulent. Further, and more importantly, I was scammed out of {$3600.00} all because I was given bad information from the bank saying that the check cleared. All this could've been avoided if I was given the correct information and promptly informed when the bank realized the check was fraudulent. I have filed a police report with the local authorities
Consumer complaint received 2020-10-01
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. (CA)

Back in XXXX over 55 days ago I filed dispute with all 3 credit bureaus. THIS IS NOT RIGHT!. I am trying to clean up my credit and I cant do so if they wont response to me. The funny this my wife letters went out the same day and her has already been resolved, so there no reason why mine hasnt.
Consumer complaint received 2020-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My PayPal account information was hacked after my XXXX account information was compromised. 

Within a few minutes, three large transactions were sent to an individual in XXXX, which drained my account. As soon as I saw the pending transactions, I tried to log in to PayPal to cancel/dispute the transactions. My password was locked. I had to reset password. Once I got in, there was already a pending dispute regarding one of the charges. I started a new dispute regarding the 2 others and referenced the pending dispute as well. 

Paypal stated that the transaction were authorized and closed the dispute without me having any option to escalate the dispute to a claim status. There is no option to appeal the closed dispute or to reopen a dispute regarding the transactions, once PayPal has closed the issue.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Back in XXXX over 55 days ago I filed dispute with all 3 credit bureaus. THIS IS NOT RIGHT!. I am trying to clean up my credit and I cant do so if they wont response to me. The funny this my wife letters went out the same day and her has already been resolved, so there no reason why mine hasnt.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (MO)

I purchased a car from XXXX XXXX XXXX. XXXX XXXX later my XXXX XXXX. I voluntarily repossessed the car back to XXXX XXXX. We negotiated a settlement of XXXX. This was paid in full. At that point this account should've been closed. I was shocked to see it was ruining my credit. XXXX I add the car had under XXXX put on it total and was returned in the same condition as when purchased. All this occurred in XXXX
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (IL)

My credit repair company has sent out numerous dispute letters to LVNV funding LLC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and as you can see through my company 's response letters LVNV Funding LLC has not followed up with a response letter or if they did it was a stall tactic which didn't provide proof of debt validation. Also, On XX/XX/XXXX, I sent out a pay for delete letter by certified mail to lvnv funding llc. In the letter, it stated the debt collector had 10 to 15 days from the date they received it which should've been received by the XXXX of XX/XX/XXXX on their end to reach a settlement agreement or else send full proof of validation. Its XX/XX/XXXX, which is well over the deadline and I still haven't received any correspondence letters from LVNV funding llc. Under the FCRA law, this account should be deleted from all 3 credit reporting bureaus being that its been well over 45 to 60 days since a response.
Consumer complaint received 2021-06-01
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. (CA)

I have sent the proof to XXXX XXXX, & Equifax that they are reporting wrong information on my credit report and that it needs to be removed, but they have not removed or sent any response to me at all. I have sent 3 letters to each company starting from XXXX/2021, XXXX/2021/ & XXXX/2021. Ever since Civil-19 they have been getting worse and worse. This isn't fair.
Consumer complaint received 2019-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

1. I requested a XXXX transfer on my Adv Plus Banking account ending in XXXX and was disclosed a {$1.00} fee per the screenshot then when the transaction was complete a {$3.00} fee was withdrawn from my personal Adv Plus Banking account ending in XXXX. Requesting a {$2.00} refund to my personal checking account, 2. On my business fundamentals checking account ending in XXXX was charged 2 x {$35.00} overdraft fees on checks that have not been cashed and scheduled to be deducted from my account in XXXX not XXXX. The bill pay was withdrawn on XX/XX/XXXX. 

We are active military and requesting that both {$35.00} overdraft fees on my business checking account ending in XXXX be refunded along with the {$15.00} monthly service fee ( total {$90.00} )
Consumer complaint received 2024-03-19
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. (NY)

I am writing to bring to your urgent attention a critical issue concerning my credit report. Upon reviewing it, I have discovered fraudulent accounts that do not belong to me. I formally dispute the presence of these unauthorized accounts and request their immediate and aggressive removal from my credit report. As a victim of identity theft, I am perplexed as to why the CRA is not complying with the law, especially when the other bureaus have done so. I have provided supporting documentation, including a copy of my identity document, police reports, and any other relevant materials, to substantiate the claim that these accounts are a result of identity theft or fraudulent activity. The fraudulent accounts in question are as follows : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 

Recognizing the importance of your role in maintaining accurate and reliable credit information, I urge you to swiftly and aggressively investigate and remove these fraudulent accounts from my credit report. It is crucial that these unauthorized entries be deleted as soon as possible to prevent further damage to my credit score and financial standing. I appreciate your understanding of the urgency surrounding this matter and request your prompt attention in resolving this dispute. I hereby request that you initiate an immediate investigation into these fraudulent accounts and provide me with the results as soon as possible. I expect that you will take all necessary actions to promptly delete these entries, ensuring the accuracy and integrity of my credit report. Thank you for your prompt attention to this matter. I eagerly anticipate a swift resolution and the removal of the fraudulent accounts from my credit report.
Consumer complaint received 2020-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I submitted a {$50000.00} additional payment to the principal account at bank of america. BOA miss applied to my payment and have not corrected it. I spoke to various level in the mortgage supervisory chain and know one has fixed the problem. my complaint control number is XXXX. I have spent more than 8 hours on hold waiting to speak to someone, know one is fixing my problem. I included a letter signed by me with specific instructions to apply the payment to principal. In addition, i wrote apply to principal balance on the check. This is probably my 5th or 6th extra payment with the same instructions included each time.
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

I placed an ad on XXXX to sell an RV. I received a call from XXXX at XXXX for advertising services that I told him I didnt need as I already had a potential buyer. He stated that it wasnt sold yet and their services would help sell the RV. I was told they would make a video of the RV. What they did was a slide show - not what was promised. I was also told that I could get a refund because of the seller I had if the sale went through. The sale went through and I called to cancel. I was referred to their email address so I requested the refund to the address. The refund was refused even though XXXX assured me it was OK. I wouldnt have paid if I knew they were a dishonest company. I disputed the charge and they fought it and I have had to reopen it several times. The charge I authorized ( under false promises ) was on XX/XX/XXXX, on XX/XX/XXXX another unauthorized and fraudulent charge was made to the card by XXXX RV using the XX/XX/XXXX authorization. The second charge was never authorized, is fraudulent, and is also in dispute. 

Additionally, I responded to a phone call on XX/XX/XXXX and cancelled the transaction on XX/XX/XXXX. In accordance with Colorado Law, I was within my rights to cancel based on a three day right of recission written into the Law. Weekend days do not count as part of the three day period so the timeframe is XX/XX/XXXX ( Wednesday ), XX/XX/XXXX is day one, XX/XX/XXXX is day two and XX/XX/XXXX is day three since XXXX was a weekend- non business days. 

The first charge should be reversed as I cancelled the transaction and the second charge is fraud. Citi has not resolved the issue and is not following proper consumer protection protocols.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (TX)

Since agreeing and taking an auto lease with BMW there were problems in my monthly payments not being processed. Every payment made came back between 2 and 6 days later as " unable to process '' notifications, sent to me via email. I have since XX/XX/2019 had multiple calls with the BMW Financial Services Contact Center in order to resolve this processing failures. Each time I was assured it was corrected, which was really simply a manual processing of my payment over the phone. Attached is the letter sent to BMW along with the processed payment confirmations and subsequent processing failure notifications. These resulted in 1 for XXXX, 3 attempts in XXXX and 4 attempts in XXXX - when finally BMW decided to delete and re-load my profile, correcting the problem. 
My monthly rate has been {$880.00} and has been paid diligently, however BMW took the failure on their side to action a late payment on my credit report, impacting my credit score severely. I am in the process of trying to secure a mortgage and only noticed this impact once starting the process. I have contacted BMW and there seems to be no sense of urgency to resolve this very urgent matter.
Consumer complaint received 2020-08-14
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

I have been disputing this account since 2015 and they would not remove it cause its not mine and I have never lived in Ga before so I have been trying to get them to remove it and show me proof that I open this account and they cant
Consumer complaint received 2020-10-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MN)

NewRez recalculated my escrow incorrectly by charging me twice for my yearly insurance premium. I called and was on the phone for over an hour, and was assured that the company would recalculate my Annual Escrow Account Disclosure Statement within the week. This was not done, and my mortgage payment increased from {$1400.00} to {$1800.00}.