davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Ria Envia, LLC ()

Dear Officer, I used Ria Money Transfer to transfer funds ( {$3000.00} ) to my overseas account from my XXXX  XXXX XXXX account on XXXX of XX/XX/2019. But my account got debited three times ( in total of {$9000.00} ) because of which, bank charged me overdraft fees. 

Ria money transfer did refund the additional debited amount but not the overdraft charges which were applied by the bank, despite of my repeated emails and their assurance that they would refund the overdraft charges. I got couple of email from them that they have initiated the refund process and i would get my refund. 

Then my bank account got debited again on XXXX of XX/XX/2019 with {$3000.00}. When I had not initiated any transaction using Ria Money Transfer. 

The initial order number for my transaction on XXXX XX/XX/2019 is XXXX and my account is registered with my email id : XXXX Pls let me know if you want any supporting documents regarding this.
Consumer complaint received 2022-08-17
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. (CA)

The company XXXX XXXX is listed on all 3 of my credit reports as paid after charge off. In XXXX I contacted XXXX regarding inaccurate very high charges one month, in XX/XX/XXXX. XXXX was to send out a meter technician to test our meter. This never happened. I disputed the charges and closed the account. Still no contact back from XXXX. I paid the account in full in XX/XX/XXXX and was ASSURED by XXXX this was to be removed from all reports. Each time I submit a dispute to XXXX, trans union and XXXX  the results come back as verified?? I repeatedly request supporting documents and to no avail receive any back up supporting their reporting. I have clean reports with this exception and have proven good credit history. I want this item from XXXX XXXX removed from all 3 reports. Again, I have requested additional supporting documents and constantly ignored from all 3 agencies and the merchant. Thank you very much.
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (AZ)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I obtained an updated credit report and there's credit inquiries I do not recognize and did not authorize. I have contacted the credit bureau and I have received no help and a response that the information is true and accurate, I asked for proof I authorized the inquiries. The credit bureau will not provide me with this information and refuse to remove the unauthorized inquiries. 

XXXX - inquiry XXXX XXXX XXXX  XXXX- inquiry XXXX XXXX XXXX XXXX XXXX- inquiry XXXX
Consumer complaint received 2018-03-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (PA)

Just because the company responds does not indicate the problem was addressed. Complaint # XXXX is not a duplicate but a continuation of my household goods being confiscated immediately after foreclosure as payment for the debt discharged in bankruptcy. XXXX XXXX instructed XXXX to secure the property I was residing in. They auctioned my contents and I need to be reimbursed or the contents returned. I believe a response is not a resolution!
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (TX)

Rent recovery solutions account : XXXX has now posted collections to my account nearly 2 years after I lived at the XXXX XXXX XXXXXXXX and had to break the lease due to Government Official Business and Family Medical Emergency all of which was exempt form any further payment and the lease was broken without any charges. These folks are known to be bullies and scammers who press people for money they do not owe. They are literally in the top XXXX companies who get complaints in their industry. This is not a dept that I owe them, and they have no applications nor evidence that I owe them anything. They do not have my written permission from me stating that this is my debt and that they can report this. They need to stop this activity immediately. I am a XXXX combat veteran facing some serious health issues. Their actions are causing me and my family distress and hardship that we are not able to bear at this time. Please help. They know they are wrong and that's why they did not even contact me. I just found this trash on my credit report.
Consumer complaint received 2020-01-02
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: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$17000.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account.
Consumer complaint received 2022-10-05
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. (PA)

My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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: EQUIFAX, INC. (MO)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-10-03
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: SUNTRUST BANKS, INC. (TX)

This company shows as doing a hard inquiry into my credit report. 

I have never deal with this company and I have no accounts with them. 

It appears on my credit report on XXXX, XXXX and XXXX
Consumer complaint received 2023-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.
Consumer complaint received 2020-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc. (TX)

I lived at XXXX XXXX XXXX for approximately 4 months from XX/XX/XXXX - XX/XX/XXXX. I paid a deposit of {$300.00} ( {$150.00} non-refundable, {$150.00} refundable ). When I moved out of the apartments there was a credit on my account from an earlier over payment. I was informed that the cost of apartment cleanup and final utilities would be deducted from the credit and the deposit money and I would be refunded the remaining balance. 
In XX/XX/XXXX I received a call from the apartment representative stating that I owed a balance of approximately {$300.00}. I asked if the deposit and the credit had been applied yet. The representative became confused, stated that something was wrong with the account and that he would clarify and get back to me. 
In XX/XX/XXXX I receive a call from the same representative and the exact same conversation occurred with him stating he would get back with me later. 
I never recieved a refund or hear back from them about any more bills. In XXXX of XXXX, Sentry Credit Inc. began contacting me stating that I owe the {$300.00}. I have disputed the charges asking for evidence that the debt is mine and a full account of all payments made to the apartment and all charges. Sentry Credit Inc. mailed me a copy of my lease agreement ( which clearly shows the {$300.00} deposit ) and an account summary from XXXX to XXXX. The account summary shows a balance of {$300.00} but does not show the deposit was applied. 
I have contacted XXXX XXXX, but they state that any documentation would be with their parent company XXXX. XXXX XXXX that they do not keep any documentation wants a balance is transferred to a collections company. I spoke with Sentry Credit on XX/XX/XXXX and explained all of the above. The representative agreed that a {$300.00} deposit was stated in the lease, but when I asked that the deposit be applied to the outstanding debt, she became aggressive and belligerent. She stated clearly that there is no other recourse, there would be no further investigation, the credit company does not need to obtain a full record of all payments, credits, and charges, and that if I did not pay my credit will be hit/dinged. I do not know what to do at this point. It will be difficult for me to pay {$300.00} and it seems unfair that my deposit money not be applied to the balance as it was stated would be done in my lease contract. The collector was very intimidating in stating there is nothing to do but pay the balance ( no supervisor to speak with, etc. ) and then she abruptly ended the conversation.
Consumer complaint received 2020-01-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (AR)

Professional Credit Management , Inc. had agreed to submit paid collections for deletion for accounts XXXX and XXXX. XXXX  has already deleted collections from credit report. XXXX  and XXXX  have not. These two credit bureaus have been reported to CFPB as well. They keep stating that the accounts are verified and accurate yet I received the letter in the mail from Professional Credit Management , Inc. stating that any accounts under {$50.00} have been submitted for deletion.
Consumer complaint received 2023-05-24
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. (AL)

Due to my all my credit report with out provide documentation my credit report is in good condition refuse to take it XXXX  XXXX XXXX shouldn't be on my credit report I paid my self balance in full I completed it earlier change my credit score with out verification illegally operation my personal information credit report agency I am tired of them doing me like that drop my score XXXX point with investigation correct paperwork
Consumer complaint received 2020-06-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

I fall behind on my payment do to corvid 19 I lose my extra income. because stay home. and they ad some fee over {$10.00} during pandemic but now I want to make a payment regular monthly, its very hard the amount they ask me to pay. and I really don't understand what they adding, i have no knowledge at all abut my home lawn. please help me to save my home .they not contact me at all. I really don't know what to do.
Consumer complaint received 2020-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NC)

Recieved a letter from Convergent Outsourcing to collect a debt amount of XXXX for XXXX XXXX. I have not used XXXX in years. I contacted XXXX and have not been placed in collections by the company. This company has also called several times trying to use scare tactics and threatening my credit.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION (NJ)

The Truist bank had a {$500.00} promotion for new checking account back in XX/XX/XXXX. The promotional code was XXXX. It requires " two qualifying Direct Deposits totaling {$1000.00} or more within 90 days of account opening '' to get the opening bonus {$500.00}. I did all requirements but did not receive the opening bonus. I contacted Truist via online chat, phone calls in XXXX and XXXX. Each time, they gave me different reasons why I did not get it, such as I'm not within their footprint, I did not applied within the required time frame, I did not use the promotional code. I contacted on XX/XX/XXXX for the last time, and their supervisor told me it is too late to add me to the promotional pool. They can't anything about it anymore. The entire promotion is a spam. I've all online chat logs and email from them to prove that I am qualified for the promotional offer, but they refused to fix the error. I am reporting to your institution as this type of bait & flip conduct is harmful to the financial health of all families in US, so it should be exposed to the public to draw attention on it.
Consumer complaint received 2020-01-02
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)

id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud
Consumer complaint received 2022-10-05
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (MO)

To whom it may concern I am writing you to inform you that you are reporting transactions that does not include my consumer report. 

*Nationstar mortgage LLC/Mr. Cooper In Accordance to the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2019-12-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am writing to dispute the minimum payment for this month. I would like to request to have the minimum amount corrected to reflect the exact minimum amount and entire balance. In XXXX of XXXX, I sent my payment to Walmart for the minimum amount required. Accordingly, I mailed this to Wal-Mart before the due date ; however, the date the check posted was 1 day after the due date. Notwithstanding, I asked Wal-Mart Customer Service if they could renounce the late fee for this month. I obtained a notification via chat regarding the late payment. I asked to have the late fee waived. Walmart complied with my request. However, I noticed on my next month 's statement that the late fee had not been waived. I contacted the Walmart Customer Service Department to discuss the possible oversight. I asked about the minimum  payment for XX/XX/XXXX. I also asked about the percentage for the minimum payment. The person I spoke with claimed there is no set amount for the minimum payment each month. I did finally receive a statement for this month that just shows an amount past due and it's delinquent. The minimum amount should not exceed 3 % of the total amount for the principal. I tried to file a complaint with XXXX  but the online dispute website was down at the time. 

I'm writing to dispute the above account. I disputed the Walmart credit card balance a few months ago. THis account under XXXX Walmart was closed but still showed as late. The account was transferred to Capital One Walmart with the incorrect amounts. I've been sending 3 % of the total amount due. I would like to have the trade line for Capital One Walmart at CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX ( XXXX ) XXXX ending in XXXX.