davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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: CLGF Holdco 1, LLC (AL)

In XX/XX/XXXX, I paid all my credit cards off and stopped using them to build my credit. I have not used my indigo card since paying it off. On XX/XX/XXXX, unauthorized transactions were made on my card that I was not aware of. After I received an email stating that I had a balance and a payment was due, I logged on and after seeing the charges, I called Indigo/Genesis FS Card. I disputed these transactions and ordered another card. Please listen to the recorded calls. On that day, the representative told me to wait 30-60 days for an update. I waited. On XX/XX/XXXX I received another notification stating that I had a balance due. I called to see if I had to pay the minimum amount due while I wait on a resolution/update on the charges I disputed. The representative said, No, do not make a payment. We are working to resolve it. Again, please listen to the recorded calls. The balance was still reported to my credit report. On XX/XX/XXXX, I called again because the account was reported late/past due to the credit bureaus. It caused my score to drop. The representative stated that I was supposed to have been making payments until the disputes were resolved. I informed her that I called in XXXX and was told not to make a payment and now I am suffering because I was misinformed. She put me on hold then she hung up. I called back and spoke to another agent. The agent stated that she see where the previous agent had just disputed the charges on XX/XX/XXXX and that I dont have to make a payment until the disputed charges are resolved! I am XXXX XXXX XXXX and completely stressed out! I was suppose to apply for my new home next week but can not because my credit has dropped because a high balance with late fees and a late payment was reported to the credit bureaus. I am so sad and disappointed because I have been working hard to build and I was given the wrong information and lied to for months. These are the charges. 
Reference Number XXXX XXXX XXXX XXXX Transaction Description XXXX XXXX XXXX  - {$79.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX OH {$1.00} XXXX XXXX XXXX OH $ XXXX
Consumer complaint received 2022-10-11
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

I've been a loyal customer with you guys since XXXX  already spoke with a representative from your company. They said to file a claim with you guys Including Increasing Minimum Payment and the Interest Rates and getting Compensated for the amount that was spend fixing a problem that shouldn't even occurred. the amount that was spent was XXXX amounts fixing my bank account. This company has been having problems lately, the company always fix the problem great customer service would appreciate. 

Spoke to Wells Frago they said to file a claim for my account and the money. I lost because of your company. problems happen around XXXX, more it interests every time, and my account was on hold because of the problems going on.
Consumer complaint received 2022-06-03
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. (NY)

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

15 U.S.C 1681 section 604 A Section 2 : I also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2019-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.
Consumer complaint received 2022-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Pay pal/ Synchrony Financial Bank states that I have a {$4900.00} credit limit account with them. There is a balance {$1400.00} that I supposedly used. I've never signed for that type of card or loan with them nor for that amount. I requested to see the original contract for proof the ownership for that account. They informed me that they don't have a contract to show me. 
The company has also made a payment to themselves on the account XXXX XXXX and stated it was from me in an effort to re-start the status of the account. Ive not made a payment to pay pal in XXXX from any account that I own because Ive been disputing the account since the closing on XX/XX/XXXX when I noticed the account details.
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: PENTAGON FEDERAL CREDIT UNION (SC)

It or identity was stolen go back as far as XXXXto currently also have my bank account lock out due this situation and it XXXX dollars and didn't receive taxes for XXXX XXXX and miss 3 stimulus checks want my funds in my account release and send out new checks from stimulus
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was behind on my loan with XXXX XXXX. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called XXXX again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with TransUnion for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX, IL XXXX XX/XX/2022
Consumer complaint received 2023-03-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (GA)

I received a loan from WellsFargo to start my medical practice. I am personally liable for the loan for my LLC, not the business itself. The payments etc appear on my personal credit report. 

I was supposed to receive a line of credit with the loan, but that never materialized. 

When I make extra payments, I request that the payment due date be advanced. WellsFargo has not applied any of my payments as I requested. They have said it is because the payments are not associated with an invoice, but no bank sends out old payment coupons anymore. WellsFargo does not generate electronic invoices in advance. They create a system where I can not pay an advanced payment, despite me wanting to do so. I even tried placing the month and date in the memo section. 

I called WellsFargo again on XX/XX/ XXXX. I reached XXXX. XXXX refused to understand my issue. She became upset and disconnected the call, when I stated her answers were not to my questions. XXXX stated the payments are applied by a computer. Any over payment is applied to the principal, but does not advance my payment date. I kept explaining that is exactly what I do not want to happen. I want the payment date advanced, unless I tell someone to apply it to principal and not advance the payment date. 

I like to have a cushion in payments in case something unexpected occurs. They rob me of my ability to manage my finances in the way that best suits me. They take away my right to apply the extra payments as I wish.
Consumer complaint received 2022-10-17
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. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to request to the Credit Reporting Agencies to remove the disputed accounts in which I believe to be reporting erroneous information on my Credit File. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, I need the Credit Reporting Agencies to notify me when the items have been deleted. Please reinvestigate the following accounts and have them corrected and or removed : XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (MD)

Equifax is reporting a bankruptcy on my credit file using XXXX XXXX as a third party for this information. XXXX XXXX is fraudently reporting information to Equifax. XXXX XXXX has clearly stated that their company could not identify me. How is it possible for Equifax to place false information on my credit report from another company that can not identify me? I'm providing additional information so Equifax will remove this information from my credit report.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (FL)

Not sure on dates but I have called many times about my account being charged twice for or for example the other day I only had XXXX dollars in my checking use it on gas next day it's saying XXXX XXXX dollars over how the XXXX this has been going on for years I have complained for years and nothing is solved the right way
Consumer complaint received 2022-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

On XX/XX/22 was trying to sell a futon in XXXX XXXX. Someone contacted me to buy the furniture and wanted to send me a Zelle payment before pickup. I have never used Zelle before, so when I got an email from " Zelle '' it looked legitimate and it said that my payment of {$200.00} was on hold and needed to be verified before I would receive it, and it said the sender would need to send an additional {$500.00} to verify it's a real transaction. At this time the sender was on the phone with me, telling me this happens all the time and this is what happens with Zelle. The sendder also said his name was not who I was talking to originally on XXXX. Once he allegedly sent the {$500.00} I got another email from Zelle saying I needed to send the {$500.00} back to him to be refunded and I would get the full {$700.00} deposited into my account, and I would need to send proof of payment to Zelle, which I did. Then I got another email saying the payment was not approved and it was actually supposed to go the the Zelle accountant for verification and I would get refunded the {$1200.00} once they verified the account was real. At this point I knew I was scammed. The man hung up, and I immediately started calling my bank to cancel the transactions. The man called back after sending another bogus Zelle email to give them another {$1000.00}. I told the man the email said he's now supposed to send me the {$1000.00} which he didn't believe and I told him " look, I know you're a scammer, just send me my {$1000.00} back please '' to which he didn't and hung up on me. I spoke to my bank to try to cancel the transactions and they put in an investigation to dispute the claims.
Consumer complaint received 2024-04-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (TX)

Per XXXX XXXX XXXX, NCB Management Service is not a registered, licensed or bonded collection agency, debt buyer or collector in the state of Texas. 

Additionally, not only has this account violated my right to privacy promised under 15 USC 1681 Section 602 A but it has also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. The account is : NCB Management Services, account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''
Consumer complaint received 2022-10-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was called by my bank indicating my credit score dropped drastically. 
XXXX XXXX  charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.
Consumer complaint received 2022-10-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Good Evening this is a continued problem that XXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX  my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Consumer complaint received 2022-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. ()

I bought XXXX XXXX XXXX year ago .I transfer money through my bank'account in XXXX XXXX ( XXXX XXXX .I tried to withdraw my funds four months ago to my subject account in XXXX however I get the same message Quote Payment method unavailable in your region .We are working making it a possibility soon. 
Unquote
Consumer complaint received 2024-04-04
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica (TX)

Last year I thought my card was stolen and I called for a replacement card. I had moved and not updated them yet. They froze my account for for fraud and I have been unable to get it unfrozen. The number you call has a wait time of days if it is ever answered. This is my XXXXXXXX XXXX XXXX not theirs. The amount is at least XXXX dollars. It is absolutely impossible to get through to them. Since this happened I have been homeless because I could not get my money. So yes I have tried everything with these people. I want to have a valid email address to prove info and a timely response without sending me to the no answer phone number.
Consumer complaint received 2022-10-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (UT)

I have requested a refund of my student loan payments made during Covid forbearance from EDFinancial. This is almost 7k to which I am entitled to a refund based on the CARES act. EDFinancial refuses to give me any kind of confirmation number or timeline for this refund. After a month of trying in vain, I am filing a complaint.
Consumer complaint received 2022-10-01
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. (NC)

I sent letters to the credit bureaus on XX/XX/22, XX/XX/22, and XX/XX/22 requesting they provide proof in the form of payment history on the attached accounts. The payment history would prove the late payments as well as verify the reporting balance. Nothing has been provided to date.
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (NC)

I have made countless attempts to get them to pay my taxes and they have not done so. They told me that they mailed a payment on the XXXX which was never received then they told me the XXXX. I spoke with multiple people to include representatives, manages and escalation and still not resolved. The county has begun garnishing my wages and is preparing to put a lien on our home.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 any item 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 items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 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 2022-09-30
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. (NJ)

I have submitted a complaint against this erroneous information 4 times already and every time Transunion has fail to provide the proper files to verify the accounts being disputed. I demand the First initial contract with my signature on them that you Transition have on file before reporting them on my consumer file. 

XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX on XX/XX/2022 to TransUnion Consumer Solutions XXXX XXXX XXXX XX/XX/2022 to TransUnion Consumer Solutions XXXX Submitted on XX/XX/2022 to TransUnion Consumer Solutions My credit report File Number XXXX XXXX XXXX so you don't reply as if you can't locate it.