davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (FL)

I sent money to a company in XXXX using wise.com for a purchase of goods, first they sent me a fake tracking number then they gave me a lot of excuses and then they asked me for a copy of my passport and license. I was afraid it was also identity theft so I refused, I asked them for a refund and they have been giving me excuses not to do it. I called them out on social media and they wrote me back saying because I called them Thieves And insulted them they didnt have to go through that and they could refuse my refund. They blocked me from any type of communication and said I could do whatever I wanted they wont give me my money back. 

I tried to get help from Wise.com but they also refused saying they didnt see any type of scam and that since I didnt give them my personal documents I was at fault. I dont see that as a reason why they are allowed to keep the money. 

I sent 3 transactions : One on XX/XX/2021 for {$2000.00} Another one on XX/XX/2021 for {$1900.00} And the last one on XX/XX/2021 for {$140.00}.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

On XXXX XXXX XXXX  I disputed inaccurate information on my consumer report. XX/XX/2024 this information came back verified and accurate. After receiving a new copy of my consumer report I realized the CRAs was still reporting a generous amount of inaccurate information.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I contacted Transunion several times & explained to them how they needed to verify the items that was on my report. They failed to send me documentation of a Bankruptcy on my report & file. I have contacted them several times about the issue. they came back stating that they have verified this account with XXXX. XXXX uses a database called XXXX to fish out negative info on consumers and you then sell it to the other consumer reporting agencies. Thats violation 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy & congress makes it clear that a consumer has a right to privacy. XXXX going out and fishing for negative information about me is an infringement upon a consumers right to privacy pursuant to 15 U.S.C 1681 ( a ) ( 4 ). The second one- 15 U.S.C 1681b ( a ) ( 2 ), XXXX did not have a Permissible purpose nor did they have your written instruction. Transunion still has no " SOLID '' prof as to how you received the information because XXXX is not crediable and violated my rights. 

Violations 1 : 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

2 : 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

3 : 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Only a consumer can validate a debt 15 U.S Code 1692g. I have suffered from XXXX XXXX gross, negligent and willful behavior. These injuries included and not limited to being denied for credit, deformation of character, loss of business income, denied for mortgage and mental anguish,
Consumer complaint received 2021-09-30
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. (FL)

Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I dont remeber dates but someone had a way to get into my checking and deposit fake checks at atm while i had my debit card in my possession wells fargo took all my money in my account and shut my account after i filed a report they said i was a liability which is ridiculous XXXX has been closed for 4 years and still teying to gwt my money bCk
Consumer complaint received 2021-09-30
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: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I placed an order of several items from a company on XX/XX/2021. 

The order was finalized on XX/XX/2021, and charged on my HSBC credit card. 

It was billed to XXXX on my credit card. 

However, I emailed the company to cancel the order and return the items, which I did. 

On XX/XX/XXXX, the company replied that they received my return shipping receipt with the tracking numbers and the refund would take 3-5 business days. 

The issue is that the charge is still on my credit card statement, and I reported the dispute to HSBC.
Consumer complaint received 2021-04-20
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)

XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

THIS ACCOUNT REMAINS NEGATIVE ON MY CREDIT REPORT, IT IS REALLY AFFECTING MY CREDIT 'S OVER-ALL HEALTH. XXXX XXXX XXXX IS AN ACCOUNT FROM 2014, I WEN AHEAD AD DISPUTED THIS SPECIFIC ACCOUNT SEVERAL TIMES BEFORE AND NOTHING WAS DONE ABOUT THIS MATTER. 
NOTHING HAS BEEN DONE ABOUT IT, NO ACTIONS HAVE BEEN TAKEN BY ANY OF THE COMPANIES IN WHICH ARE IN CHARGE TO LOOK AT THIS ACCOUNT. FOR SOME REASON I FEEL IGNORED AND I FEEL I HAVE PUT ALL EFFORT INTO REMOVING THIS ACCOUNT FROM MY CREDIT REPORT. LOOK INTO THIS AND LET ME KNOW IF THERE IS SOMETHING THAT HAS TO BE DONE IN ORDER TO GET THIS NEGATIVE ACCOUNT REMOVED.
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (GA)

This company ( Credence ) has continually harrassed me by calling my phone number daily ( M-F ) sometimes twice daily. I finally asked them to take my number off the list because I am not the person they are trying to reach. I only received this number because I changed my original phone number. Therefore I am certain they are searching for the person who previously held it. 

As of now they continue to harrass me. They have even resorted to changing area code from which they are calling. 

They have called on : XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX pm XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX : XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX  XX/XX/XXXX from XXXX XXXX XXXX  XX/XX/XXXX from XXXX at XXXX XXXX
Consumer complaint received 2021-09-29
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. (OH)

To whom this may concern I am filing a complaint on these items that are incorrect and I also have a few hard inquiries that I did not authorize. I've been disputing with TransUnion since XX/XX/XXXX. They did not remove the hard inquiry. Also, they did not update or removed the chargeoff that is inaccurate on my credit report. 

I did not authorize XXXX XXXX XX/XX/XXXX I did not authorize XXXX XXXX XX/XX/XXXX The XXXX- Account XXXX XXXX is reporting inaccurate on my credit report the date opened is not XX/XX/XXXX and the date of last activity was not XX/XX/XXXX so therefore I want this deleted from my credit report for not having the correct information reporting. 

I feel as they did not follow the FCRA laws and did not do a complete investigation on these accounts. All I want is to be treated fairly and get these accounts off my credit report.
Consumer complaint received 2022-04-16
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. (TX)

I sent a letter to Transunion, XXXX, and XXXX not to dispute the bankruptcy I found in my credit report but to ask which methods they used to verify that information. I have not received any response so I sent another letter letting them know about my first letter but still I have never received a response so I sent my third request and still no response.
Consumer complaint received 2021-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

To whom it may concern, on XX/XX/XXXX, I paid my Chase Amazon credit card balance in full, for an amount of {$1100.00}. On XX/XX/XXXX, I discovered Chase had charged me this amount TWICE. I know I was charged twice, as my checking account balance decreased another {$1100.00}, and the two transactions had two separate ID numbers. 

I called Chase immediately on XX/XX/XXXX to tell them their system had charged me twice, and to refund the extra {$1100.00} they had charged. The response was it would be refunded " soon ''. However, I have called every single day since then, and Chase has not taken a single step to return this money. The representatives just keep saying : " soon '', " soon '', " soon ''. 

Taking 30-40 minutes out of my day to navigate their automated system, and explain my situation each time, has been a tremendous inconvenience. 

Likewise, {$1100.00} is a significant amount of money ; to have this taken from my account " in error '', and held on to for a week is a terrifying experience for someone may have been reserving that money for rent or a car payment. The fact that they can uproot someone's life like this, and take no action to remedy the situation, is unacceptable.
Consumer complaint received 2021-09-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (AZ)

Was in trial payments for a modification/ Special Forbearance trial payments of {$1700.00} which all for that amount were met. XX/XX/XXXX received a letter to finalize Modification with the new amount effective XX/XX/2021 but the amounts had changed to Principal and interest {$1400.00} Estimated Escrow {$520.00} Total {$1900.00} we had loan docs notarized and returned on Saturday XX/XX/XXXX at Navy Federal Credit Union called to confirm they were received and attempt to make payments for the difference since I saw it on the new ppwk but Navy Federal said to wait since it was going thru the Modification process and to hold off on making payments. Once The modification was processed it reported me 30 days late since the loan processor was also behind on processing the modification so when adjustment was made it made my unirla trial payments look like I never made it since the new loan docs dated XX/XX/XXXX changed the total amount
Consumer complaint received 2019-11-20
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. (TX)

I am a student attending classes online through XXXX  XXXX college. I have received several loans to pay for my schooling. I am also employed by the local XXXX    department, which has a program that I am enrolled in which qualifies me to have deferred payments every year. I have taken full advantage of this program which helps me out a lot. I recently checked my credit report and was surprised to see all of my loans were reporting ninety day late payments. I spoke to the customer service department back in XXXX of this year and they assured me that the late payments would all be removed. it is now XXXX and the late payments are still reporting.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (CO)

deciding to close my Credit Karma account do to misleading approval guarantees in which derailed my credit building efforts with XXXX non- approvals and XXXX hard inquiries, while being alured to apply with excellent approval odds XXXX offers claimed 99 % approval and the other was 98 %. all three were denied for the same reason. a public record or judgement. trusting Credit Karma ( CK ) and knowing they were also aware of such reason for rejection. I put my faith in they knew more then i did about credit approvals. my score dropped over XXXX points I lost my ability to purchase a car, a house or most importantly need health care. all before inflation begun. I had to switch cell phone company including my phone number when i go to close my account at CK I stuck unable to do so as the sent verification code to old phone number and in the help section on how to change phone numbers there is no reference to confirming change of phone numbers you must have both phone lines active and available. Who dose this CK pay to phone bill. now only way to move forward i have to send them a picture of my Dl or ID. how unsecure is that for me i didn't have to show ID to open account I didn't have to show ID on any action ever taken with them and i sure the heck didn't have to go through such degrading steps to change my number at my other XXXX account i have. yes XXXX very angry with Credit Karmas customer service tactics.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$750.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$280.00}. 
XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXXXXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's giving me XXXX
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (CA)

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a 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 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm experiencing immense stress and sleepless nights because of this problem. It's frustrating because I've always been punctual with my payments for this account. I sincerely request that you address this issue promptly, ensuring my account reflects the accurate information and relieving the unwarranted stress it has caused
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( Experian and XXXX )
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MA)

AFNI sent a letter claiming that an XXXX account that I closed over two years ago still owed {$130.00}. I called and explained that a couple of months after I closed said account in XX/XX/2019 I received a bill from XXXX for about {$470.00} ( XX/XX/2019, see enclosed print screen ), which I paid in full and have not heard back from them since. I am using the same number as I had when I was an XXXX client and they have never reached out to me until now, this so called AFNI. 

I asked for evidence and the person taking the call didn't have any. This has to be a scam.
Consumer complaint received 2021-09-29
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. (IL)

I pulled my credit report and notice that " XXXX XXXX '' is reporting inaccurate late payments on my account. I tried reaching out to the creditor and no one was able to help me out. I'm asking that you please update these payments on my account as Paid on time. As it is harming me from opening new credit lines. Thanks in advance Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Credit bureaus ( XXXX and Transunion )
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.