davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
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: EQUIFAX, INC. (NY)

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 XXXX : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 -XXXX XXXX XXXX XXXX XXXX  XX/XX/2022
Consumer complaint received 2022-11-07
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. (NY)

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 Transunion : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (OH)

This matter is with the Western Union. 

I sent {$150.00} to my daughter in XXXX on XX/XX/2022 XXXX : XXXX XXXX XXXX. The money was never made available to the recipient. Upon checking with them, they told me that the money was collected in XXXX - XXXX ( two different countries ). On my App does not show that the money has been picked up. 

They further say that there is nothing they can do as the investigation is underway. I need my money as my family is without food.
Consumer complaint received 2022-11-07
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

The problem is this company has been bought at least twice it was deleted from my account originally upon the Genesis credit Management it is still on the XXXX and the XXXX credit reporting agency I have tried to dispute them several times and each time I dispute it was a different collection company it was originally disputed up on the Genesis credit management and was deleted due to being fraudulent then it changed to The summit at XXXX on the account now it is Columbia debt recovery and they just keep updating it when I dispute it but like I said it was originally deleted up on the Genesis credit Management and the amount is the same {$1300.00} I have proof that it was deleted off of my XXXX account they reviewed it and determined that it was fraudulent.
Consumer complaint received 2022-11-05
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: EQUIFAX, INC. (MS)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Balance {$11000.00} US DEPT of Education, Account # XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXXXXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX 15 USC 1681 602 States " I have the right to privacy. '' 15 USC1681 604 A Section states " a consumer reporting agency can not furnish an account without my written instructions. '' 15 USC 1666B states " a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo repo my truck after I just talked to them explaining my situation about starting a new job and would have a payment for them then they turned around and sold it for less than what I owed on it. This was back in 2013.
Consumer complaint received 2022-11-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I have been ACTIVELY trying for XXXX years to have my mortgage loan that I have with Wells Fargo assumed XXXX I was told by Wells Fargo many times that my loan ( which was modified in 2015 ) is eligible for assumption. The person assuming the loan has lived maintain this home with me the entire time. My name is not being removed from the deed and my address is not changing. Still, when she called to start the process, as instructed, she was told that we have to pay XXXX penalty because FHA is viewing it as a sale. It is not a sale. This is a lateral move. We would like to be able to move forward with the assumption by XXXX XXXX XXXX without the XXXX fee.and just the normal processing fees.
Consumer complaint received 2023-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

In XX/XX/XXXX, I took it upon myself to notify my sister 's mortgage company. I called and told them that she was in the hospital and she was not able to pay her bills. they took my name, address and phone number at that time. 
My sister passed away on XX/XX/XXXX, at which time I began the process of becoming the personal representative of her estate. 
I was unaware that her home was in foreclosure due to Pennymac not notifying me, although they had all of my information. 
While on a zoom call on XX/XX/XXXX for a conciliation conference, I spoke to a lawyer appointed to me. It was at this time that he gave me the information to submit a complaint. He agreed that I had a valid complaint. 
In the meantime, my sister 's home went under contract. 
I think under the circumstances that the foreclosure fees of {$3900.00} should be reimbursed or not be paid at the settlement on XXXX XXXX.
Consumer complaint received 2022-11-07
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: Experian Information Solutions Inc. (GA)

EXPERIAN I didnt consent to these Inquiries Also, the Names are Incorrect and Addresses are Wrong. 

Correct Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

A scam was made with a fake zelle account / fake zelle emails. 

Other factor made me believe that a refund was needed to be sent in order for me to receive a full payment. This turned out to be a scam. I was deceived into sending money thinking it needed to be done in order to receive money being sent to me.
Consumer complaint received 2020-08-12
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. (OH)

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-09-29
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. (IL)

XXXX  and Experian are fraudulent on my following accounts : XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX
Consumer complaint received 2020-09-29
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. (FL)

Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit score, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.
Consumer complaint received 2020-09-29
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. (FL)

Purchased a XXXX  at XXXX XXXX XXXX, for internal commute purposes, and had it financed with XXXX XXXX XXXX XXXX as this was set up by the team at XXXX XXXX. 
After a few months reviewing my credit scorXXXX, and various calls and claims to the credit agencies I found out that the vehicle loan I obtained from XXXX XXXX XXXX via XXXX XXXX XXXX is in the form of a credit card, not a vehicle loan. 
It is incredible and outright fraudulent to not warn, disclaim and thoroughly explain a client and costumer on the terms of a loan agreement, I would not have purchased the vehicle knowing these terms and conditions. To say the least, negligent on behalf on XXXX and XXXX, but more to an action not to be considerer as good faith in business, and truly deceitful and misleading. 
On a call with XXXX XXXX XXXX XXXX, the person that responded my call and questions was very rude, and intended to disregard the situation, and further try to convince me that the XXXX  i purchased was not a vehicle. 
I can not comprehend the audacity of this person to say such, as this vehicle is registered in the Florida XXXX and carries a license plate, and is my sole vehicle in Florida. 
Right now, instead of a newly agreed vehicle or even personal loan, that just started to amortize, credit agencies treat such as a maxed-out credit card. 
This has impacted my credit score for the past few months, and I was in plans to purchase property early next year.
Consumer complaint received 2020-08-06
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX   XXXX XXXX  XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX  XXXX USDOE/XXXX XXXX US DEP ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX   XXXX USDOE/XXXX XXXX
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2022 I was notified by XXXX fraud dept. that someone had opened an account and was getting a credit card through Bank of America on XXXX XXXX, XXXX for a Spirit Airlines Credit Card -- ( Ref. # XXXX -- and they closed the account before the person could use the card. The person also tried to open another credit card through Bank of America ( on the same day I think ) for a XXXX  XXXX Credit Card. The XXXX XXXXXXXX card was not opened and Bank of America stopped and closed the opened account on XX/XX/2022. XXXX at XXXX XXXX helped me get checks on my credit from XXXX, XXXX, and XXXX. I put a freeze on each of those Credit Reporting Companies. I also got an identity fraud report with my XXXX XXXX XXXX XXXX. ( Case # XXXX ). On the original report with XXXX of XXXX XXXX XXXX. had the name and address info used to get the new credit card. There was no money gotten by the person trying to use my information.
Consumer complaint received 2024-02-10
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CA)

I contacted AmEx on XX/XX/24 ; XX/XX/24 ; XX/XX/24 ; and three times on XX/XX/24 explaining that the virtual card gets declined every time I try to use. They suggested different vendors- so I tried that and it still does not work. XXXX- declined. XXXX- declined. XXXX ( utility bill ) - declined. XXXX- declined. This virtual gift card is for {$500.00} and AmEx is ripping off paying customers ( actually stealing ) who buy these virtual gift cards as presents, yet the receiver can not use them.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-06-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC. (VA)

On XX/XX/, I called Optum Bank, my XXXX and XXXX  provider, and asked for an explanation as to why my and my husband 's new XXXX cards were sent addressed to my husband only, particularly because I am the primary account holder, the account is through my employer, and I am the only one actively managing the account. I expressed concern about how this possibly could have happened and strongly suspect gender bias is integrated into Optum 's systems. It is in our recent history that women were allowed to have bank accounts without the permission of their husbands, and this bypassing of myself could be indicative of wider problems with Optum 's apparent bias and inclusion. I am requesting a written explanation for how this happened and an action plan for how Optum is going to prevent this from happening to myself and other women in the future. I asked to be escalated to a supervisor and am still hold. I've been on hold for over 45 minutes now.
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I have autopay setup through Synchrony 's autopay system for my credit card account with synchrony bank. The auto payment was processed on the due date of XX/XX/XXXX. The funds withdrew from my checking account on XX/XX/2023. However I was marked as past due on the XXXX of XXXX and was accessed a late fee of {$30.00} at the close of business on the XXXX of XXXX. I received an alert from one of my account monitoring apps that I was charged a late fee on the XX/XX/2023. When I contacted Synchrony bank they said it was because I had modified my autopay after the statement closed and that a payment was due. They had no record of the payment that had already withdrawn from my checking account and made no attempt to investigate a payment issue. I was blamed for the payment not processing. After telling them multiple times that money had been withdrawn by Synchrony bank for the amount of the autopayment they advised that the payment will most likely post tomorrow ( XX/XX/2023 ) and the late fee would be roll off. 
After escalating this to an account manager and asked if there was a way to avoid getting a late fee, he stated there is no way and that autopay can only be scheduled to withdraw on the due date and that a late will be charged until the funds completely clear from the bank and is received. I have checked my credit card agreement that is included in my statement and no where does it state that a late fee is the policy until funds are full received and processed. My second issue is that according to the credit card agreement interest is calculated daily based on the balance of the account. The late fee is apart of my balance for 3 days. This means that it is accruing interest for 3 days. I have taken a screenshot of the late fee that is showing as a completed transaction as of XX/XX/2023 and have received zero assurances that this will not cost me interest. This policy which I have been advised I can not avoid by an account manager is an undue burden or at the very least deceptive.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I pulled my credit report and there are inaccurate name variations, addresses, and employers listed. 

INACCURATE NAME VARIATIONS XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MY CURRENT ADDRESS IS XXXX XXXX PLACE CT, XXXX XXXX, OH XXXX - THE FOLLOWING ARE INACCURATE ADDRESSES XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX FAIRWAY OVERLOOK, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX MY EMPLOYER IS XXXX XXXX - THE FOLLOWING ARE INACCURATE EMPLOYERS XXXX XXXX XXXX XX/XX/XXXX I CAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TEACHER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OPORTUN FINANCIAL CORPORATION (CA)

account # XXXX wash paid in full cash the account # XXXX payments were done and colleded on time for XXXX XXXX XXXX not as indicated as of not being received. The account # XXXX is passed the 7 year mark and need to be removed from my account
Consumer complaint received 2021-02-07
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. (VA)

I bought 2 paintings from them XXXX  on XX/XX/20 After I received them, I decided I didn't like them and would like a refund, I contacted their support to start the process. 

I received shipping information, I paid for the international shipping back. 

After a month, the packages returned back to me, and XXXX  stated that XXXX refused my package because they didn't " order '' it. 

I contacted them about it and received no response. 

I initiated a dispute with my credit card company, Citi, and they trusted XXXX when they claimed there was custom form problems, which means they could have helped corrected but chose to do nothing and waste my efforts and money. 

Citi won't reopen or let me talk to anyone about the dispute and it's just " closed ''
Consumer complaint received 2020-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MD)

I submitted a dispute letters in order to have accounts deleted because the information reported was incorrect. Instead of deleting the accounts they claim they updated information. There is no information updated or changed with the accounts I am disputing they still have incorrect information listed. I want every closed student loan account deleted from my report. The information being reported is inaccurate when I sent my dispute letters I sent proof along with the info as to why they needed to delete the loans off my report. Nothing was deleted claim to have updated the info but everything is exactly the same. It is their responsibility to report every account with accurate information and they have failed in this department.
Consumer complaint received 2020-09-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

A scam artist created a XXXX post that looked just like branch app and invited me to join the contest. I regularly do business with branch, and know of other companies that do same advertisements on XXXX. They told me to like, comment with a charity I would donate winnings to and follow page. They then contacted me via XXXX and said congratulations you won. The page was created to look exactly like branch. It even said branch app. They said they need to confirm my account and I did. The scammer then accessed my account and transferred XXXX out of my account into theres. The bank branch bank denied my fraud claim and said I was at fault not them for falling for scam and confirming my account., They refused to refund the money. A signature was needed to complete transfer, and branch could clearly see that wasnt my signature.