davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the Credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 45 days I review my updated credit report and noticed that EXPERIAN did not remove the inaccurate addresses, so I am now, taking the extra step, because I really need these addresses off of my credit report.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (NC)

Good Afternoon, I have an American Express Serve prepaid card in which I allocated my direct deposit to this past week of XXXX. I called and confirmed with the Customer Service agent at Amex Serve if I was able to receive a deposit over $ XXXX ( since I was getting my bonus ) and she did confirm that this was fine as long is it didn't exceed $ XXXX. I received two direct deposits on XX/XX/2021, the first was for {$3700.00} ( regular payroll ) and the second was for {$11000.00} which the latter was my bonus payment. Both deposits were from my employer, XXXX XXXX. I was able to access my funds within an hour of deposits however during the course after midnight my account was locked. I called American Express Serve customer service and they directed my call to Account Protection Services for Amex Serve. Account Protection informed me that my card was permanently locked/suspended. I've received no clear reason as to why this has happened. I have reached out over 10 times since XXXX to Account Protection Services ( XXXX ) but constantly get the run around that they are reviewing my account and will provide an answer within 1-2 business days. Today I was told I may have to write a letter to find out the reason?? This is unfair banking practices in that I can't access my funds to pay bills etc., and they are keeping me from accessing my money. Per their customer agreement, direct deposit limits are up to $ XXXX for the entire year. 
I've further researched the internet and found similar complaints in which there are several cases in which Amex Serves suspends an account and makes the customer write a letter to find out this reason without any clear answer as to when one could access their funds. I am writing to request help in escalating this matter to receive my funds. I have not had access to my funds since XXXX XXXX XXXX XXXX with no clear answer as to when I will be able to use my card again. 
Best regards, XXXX XXXX
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

I have informed the debt collector ( Convergent ) and the debt holder ( XXXX ) that their alleged debt is the result of identity theft. I have filled out XXXX fraud packet and submitted it to them. They have not removed the debt and repaired my credit. I have demanded that my credit be repaired and that has not been done.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I maintain that including inaccurately reported late payment remarks on my accounts violates 15 USC 1666. Each payment linked to these accounts has been submitted promptly, and any departure from this precise reporting is unfair and unlawful.
Consumer complaint received 2021-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

I have disputed this bad debt that has been on my file for several years to XXXX and they failed to correct the issue. This account is not mine and I have no knowledge of this account. 

The account in question is Colony/ XXXX XXXX XXXX {$370.00} ( which shows a bad debt on my XXXX  file account # XXXX I have contacted the merchant and they keep telling me that I just have to file a dispute with the credit bureau and they will remove it which Ive done several times and it still stays on my credit file which makes me believe that XXXX XXXX is disregarding my request to remove this bad credit debt from my file. 

I need your help because what Im doing on my end has not seemed to be in my favor and Im just going in circles Im tired of this and I really need this taken off my file, your help is so very much appreciated. 

Thank you XXXX XXXX XXXX XXXX Please feel free to contact me at my XXXX address above or my phone number at any time thank you.
Consumer complaint received 2021-02-06
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 — Problem with personal statement of dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX continue to racially profile my account with frivolous degrading information about accounts that does not exist and this Bureau keep using these fraudulent expired false document to deprive me of my Rights to a fair and acceptable report. There was false reports from XXXX XXXX and yet XXXX penalized me and even when it was brought to their attention they continued to degrade my character and degrade my score. The same with Navy Federal with false information being revealed. This is gross RACIAL PROFILING and needs to be investigated by the Federal Bureau Investigation. I am a XXXX XXXX veteran XXXX and these racial tactics I will not accept. If needed then let the Higher Federal Courts resolve this matter if we can't come to a reasonable and fair solution.
Consumer complaint received 2021-02-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CO)

So in 2017 or so, my car suffered from hail damage. I decided to use the check to pay off my vehicle as opposed to fixing the dents. I called both my insurance company and US Bank ( Loan Issuer ) ahead of time and told them what was happening. US Bank said that once the check cleared, I'd have my title in 30 days. I called them 30 days later asking why the title hadn't arrived. They said that they had shipped it to my insurance company. My insurance company sent the title back. I've called them multiple times throughout the years and they always say that it will get here in 30 days, but I never receive it. Now US Bank has lost the title and insists that I have to go to the DMV to pay for a new one
Consumer complaint received 2021-02-07
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. (SD)

I pulled my TransUnion credit report on XX/XX/2020, and noticed that there was a " Regular '' ( hard ) Inquiry that was not made by me. The inquiry was fraudulent ; made by someone trying to open a XXXX account in my name. The account was not approved, luckily. Here is the inquiry, as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/2020 Inquiry Type : Individual I filed a dispute with TransUnion asking that the hard inquiry be removed. They responded that I should " contact the creditor directly. '' I called XXXX on XX/XX/2020. They agreed that the credit request was fraudulent, and said they would notify TransUnion that is was fraudulent. 

When I pulled my credit report on XX/XX/2020 to see if it had been removed, I noticed that the hard inquiry was still there. So I called XXXX again on XX/XX/2020. They said they had already notified TransUnion that the hard inquiry was fraudulent ( after I had called on XX/XX/2020 ), but that it takes 60-90 days for the credit bureau to update their information. They also said they would notify all 3 credit bureaus again on that day ( XX/XX/2020 ). 

It has now been over 4 months since I notified both TransUnion AND XXXX. This fraudulent inquiry needs to be removed from my account ASAP, and I shouldn't have to spend so much time getting it fixed.
Consumer complaint received 2021-02-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

On XX/XX/2021 I saw that TransUnion reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.
Consumer complaint received 2021-02-07
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. (OH)

I have a few accounts on my credit report that do not belong to be, I was a college student and didnt take these loans out. An they are effecting my credit score and keeping me from some jobs and buying a home in the future.
Consumer complaint received 2021-02-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day ove 60 days later i hve not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within30 days givesa reason to immediately remove those items from my credit report it has been over60 days aso they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you causedme. My information was also impated by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-02-07
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. (WA)

Information provided incorrectly states that proportion of balances to credit limits is too high on bank revolving and other revolving accounts ; amount owed is too high. 

Each account we have is paid in full each month. This is true for all our accounts with the exception of our home mortgage. That payment is made on time each month.
Consumer complaint received 2021-02-06
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. (NY)

I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year.. I need this problem fixed asap i will not wait another 45 days to receive no response because clearly yall disregarding me. I still haven't heard back from XXXX, TransUnion, and XXXX.
Consumer complaint received 2021-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021, I added my Capital One XXXX  One card to my XXXX Pay portfolio prior to attempting to make a purchase. As part of this process, I was required to undergo a series of verification checks both with Capital One and XXXX Pay. 

Shortly after, on the same day, I attempted to use the XXXX Pay option at Walmart. The payment process was not completed and the POS directed me to call Capital One. I called Capital One and after going through a series of prompts I was connected with a man ( I do not recall his name, but he was the only male individual I spoke with during this ordeal ). I explained to him what the problem was. He asked for my account number, I advised him that I did not have the card number present because the card was part of my XXXX Pay portfolio. He then asked for my Social Security Number. I advised him that I was standing in line at Walmart and that I did not feel comfortable speaking out my Social Security Number in line at Walmart. As a past victim of identify theft ( I am still dealing with something that happened over a decade ago ) that option did not sit well with me. He then said that he would not be able to assist me. Since I had no other option at that point because I needed to complete the transaction, I read my social security number out loud in a line of customers standing behind me and a Walmart cashier. This is at least 7 people who, if they were paying attention and wanted to, now have my social security number. Thank you Capital One for being customer focused and friendly and for being my partner in maintaining my privacy and security. I salute you. 

Upon receiving my social security number he placed me on hold for about ten ( 10 ) minutes and the call disconnected. Please remember, I am standing in the line at Walmart with customers standing behind me. I then attempted to use my Capital One XXXX  business card. Since the whole idea for me making this purchase was to purchase late XXXX gifts for a group of clients, it made sense for me to use that card anyway instead of my personal card. Perhaps the first card being blocked was some sort of divine intervention? No. When I attempted to use the Sparks card, I encountered another problem. The cashier was not able to explain, but one item kept getting removed from the transaction. After holding up the line for almost 20 minutes, I went ahead and used my XXXX XXXX card to complete the transaction. 

Later I contacted Capital One again and had to undergo a series of verification checks including sending in a copy of my Driver 's License to verify my identity. This is crazy because even though I sent in my Driver 's License, you still don't know that it is me. All you know is that you received a copy of my Driver 's License.
Consumer complaint received 2021-02-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (FL)

I have XXXX XXXX and I received an alert today that an online account of " MoneyLion '' which I do not know this company nor did I open account showing on XX/XX/2021. 

According to XXXX XXXX this " MoneyLion '' is an " off-shore '' account within the United States? Again, I did not open nor did any online business with this " MoneyLion '' at all. 

This is fraud and according to XXXX XXXX the Result was " Passed ''. 

I am therefore lodging a conplaint against MoneyLion that I never contacted them for anything, nor did I attempt to open any kind of account with them and my information has obviously been fraudently used by MoneyLion. 

Thank you. 
XXXX XXXX
Consumer complaint received 2021-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Applied for mortgage loan through XXXX XXXX in XX/XX/XXXX, and XXXX  XXXX XXXX XX/XX/XXXX. Both stated they received no scores from TransUnion, XXXX, and XXXX. In XX/XX/XXXX, I got scores for them when I applied for rental units. So XX/XX/XXXX, I called the bureaus listed, asked why they reported no scores? I was told by customer service representatives they were showing scores for me. They refused to give me the score over the phone, citing I had to pay for it ( {$9.00}, etc. ). I questioned why two different lenders were getting the same result, they claimed not to know and said I needed to have them call the bureau directly. I shouldn't have to pay for my own credit report and submit it to lenders. 

Something does not add up!
Consumer complaint received 2021-02-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC (MI)

The loan was all set to close. On XX/XX/2021, we received an email from XXXX XXXX of Member First Mortgage, regarding the closing disclosure which included a fee of {$33.00} for an employment verification. We request information on this transaction and received no response from XXXX XXXX We had submitted check stubs up to the finial time of the closing, which the employers name and phone number was available. Please review the receipt from the XXXX  XXXX XXXX  order by XXXX XXXX of Members First Mortgage. If XXXX wanted to verify employment she could have contacted the employer or addressed in concerns with my husband. At one time she was questioning the hours he worked being shorten. He hauls gasoline which the pandemic we are going through all over the world caused his company to shut down this year, as well as reduce the number of work hours for all drivers in the company. We have asked everyone about this charge no one seems to know why the charged is placed on us or should it be the responsibility of Members First Mortgage? Members First Mortgage would not provide us with the attached receipt we had to obtain it from another source.
Consumer complaint received 2021-02-06
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: Trident Asset Management, L.L.C. (LA)

I've reached out to XXXX XXXX, XXXX and TRIDENT ASSET MANANAGEMENT XXXX XXXX2020 seeking providing details of such adequate services and address this issue yet they still haven't provided such information. I have been involved in a data breach and due to that I have placed a security freeze and also have setup an identity theft alert. I need assistance with this matter because this falsely reporting have impacted me financially.
Consumer complaint received 2021-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (DC)

PNC Wallet card per the company should be linked to online wallet i.e. XXXXXXXX XXXX. The company has not been able to fix the issue for almost a year. In store representatives do not understand why they can not resolve the issue. 

I am also not able to link XXXX  to this account.
Consumer complaint received 2021-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have disputed the account with XXXX XXXX XXXX XXXX  on several attempts specifically on dates XX/XX/2020, & XX/XX/2020, 2020 XX/XX/XXXX asking that the account be validated so that I could in fact determine if the account is mine There was no response on any of my letters to the company until XX/XX/XXXX the response that was given then is that they are unable to locate an account with the information provided. I then reached out to Transunion Credit reporting agency and ask how could they still be reporting this account on my credit file if the data furnisher is saying that they are unable to locate the account this letter was mailed to t Transunion on XX/XX/2020. It is my complete understanding that only 100 % verifiable information should be reported to a customers credit file in the data furnisher is unable to locate the account what is Transunion using to verify the account that can not be provided to me for me to determine if the account is mine. Sadly Transunion still has not responded to the letter dated XXXX XXXX I would like to reach out to help from your agency to determine the accuracy of this account reporting to my credit file and if verifiable information can not be provided I would like the account deleted from my credit file immediately.
Consumer complaint received 2021-02-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 45 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 50 days so they should be deleted promptly.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (FL)

on XX/XX/2020 I sent a dispute to all three credit bureaus regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.