davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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 am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX I would like the following numbers removed they do not belong to me : ( 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
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (RI)

TransWorld Systems is repeatedly calling my work number and leaving a threatening message. Each time the person I am directed to speak with is different. I do not owe any debts and no commercial company with whom I do my private business would have had my work number as the main number in any case. 

This company is widely viewed as a scam and some online reviews state that calling the company results only in abuse and the continuation of calling.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( 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
Consumer complaint received 2020-04-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (TX)

I have made multiple requests to Robinhood and multiple complaints regarding the fact that their platform does not show cost basis information. I sold 22 shares of the security " XXXX  '' on XX/XX/2020. At the time I sold the security, Robinhood did not show my cost basis information on this security. As a result, I sold this security at a loss ( {$79.00} a share ), as opposed to the substantial gain I would have booked one week later, ( {$120.00} ). The purpose of this security was to protect my portfolio against losses in the event of a market crash/drop. The lack of correct information from Robinhood prevented me from executing the strategy that was in place. 

Robinhood compliance previously told me that system updates would resolve this error ; e.g. that I should see cost basis information for all securities going forward. This did not happen.
Consumer complaint received 2021-09-04
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: Experian Information Solutions Inc. (AZ)

In the month of XXXX of 2021, I submitted a dispute against XXXX XXXX XXXX and XXXX XXXX. I did this will XXXX, XXXX, and Experian Within 2 days of submitting the complaint, Experian ( like they always do ) responded in 2 days saying they investigated the complaint and it was found to be a valid collection.

XXXX, and XXXX  completed the investigation ( it took 2 weeks ) and the information was removed. Experian has the collection grayed out so I can not ever dispute again or upload the information so they can correct the account. It is clear when you look at the account with veridian and XXXX, it is not a collection account and was paid in full by the unemployment insurance. Experian ALWAYS add the most negative information they can on my credit report, they often drop my credit score for no reason, One-time a collection that was paid was removed and supporting documentation was uploaded and Experian removed it and my credit score went up and 3 days later Experian ( on a Sunday ) put the collection back on, and I emailed them the same day, ( on a Sunday, ) and they removed it, something is wrong with Experian, Or someone in that office knows me or is upset over the successful dispute and they refuse to remove. 
How can two credit reporting companies see the errors in my credit and remove and correct the information and Experian ( in two days ) say they investigated and refuse to remove the information and will not let me upload supporting documentation? There is a problem with Experian, for the last 6 months, my credit score will go up 7 to 20 points, then 2 days later Experian will drop my score but will not say why, when nothing has changed. This company needs to be investigated, or see who is handling my account and complaints. How is it I can submit an email on a SUNDAY and then have someone that SAME day respond to my email and correct the information because it was clear someone at the company is tapering with my credit report? They breach information, and their scoring is low,
Consumer complaint received 2020-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

AFNI has violated my rights as a consumer by attempting to collect a debt that is not valid. AFNI violated The Fair Debt Practices Act 15 USC 1692. The violations are : 15 USC 1692b Acquisition of Location information ( 5 ) ,15 USC 1692d Harassment and Abuse ( 2 ), 15 USC 1692f Unfair Practices ( 1 ) ,15 USC 1692g Validation of Debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.
Consumer complaint received 2020-04-10
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)

XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.
Consumer complaint received 2020-04-10
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. (CA)

XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.
Consumer complaint received 2023-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

My debit card is frozen. Theres {$110.00} in the account but Citizens Bank claims they cant send me a text with a number to confirm. Even though my cell number is on my account. 
They keep giving me the run around and wont tell me what causing this. Im XXXX, home bound except for doctors appointments and I can not come in to my local branch as Im unable to XXXX. 
I do all of my shopping online so this really interferes with my day to day living.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (OH)

On or about XXXX. 2018 my checking & secure credit card have overcharges ... .fraud alerts & just out right people and/or places started stealing money out of my account ... ..like a hotel in Wisconsin charging my secure credit card for a nights lodging when I called & concealed the room ... ..Well Fargo does nothing ... .they always take the company line over my word. 

This has been going on & on .... 
Well Fargo does nothing .... 

I get frauded ever month now since ... XXXX Wells Fargo does nothing Finally this year I filed a complaint with the XXXX  & they almost 600 $ instantly .... 

What is an average man to do?
Consumer complaint received 2020-04-10
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. (FL)

On XX/XX/XXXX I received a report on my XXXX  XXXX XXXX dashboard that my credit score was reduced from XXXX to XXXX. Thinking that was a significant drop, I reached out to TransUnion who provides the score too XXXX. After hours on hold, I finally reached an agent who suggested I pay {$9.00} to receive a credit report in the mail. He said that he could see why the number had dropped but was not at liberty to disclose. He said if I paid for the written report to be mailed in 5-7 days, it would be clear why the decrease occurred. 
I paid and waited. I received the report in writing and it provided nothing but good information that all accounts were in good standing. 
I called XXXX  and was told that my credit score was XXXX as of XX/XX/20. 
I called TransUnion back and, once again, was told that they could provide no further information unless I paid ( another {$9.00} ) for a credit score, this time. That information would give me detail. The agent told me I could do it online. I tried but the online process was unavailable. 
This sounds to me like a form of torture ; to someone who takes his credit status seriously. 
Help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE (NY)

XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , Thai ID and Driver license, 1 XXXX XXXX credit card.

XX/XX/XXXX Notice from XXXX  about the Inquiries viewed by others. That have unauthorized account below was open.

1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX  2.XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXX  3.Charles Schwab ; XXXX XXXX XXXX, XXXX XXXX , CA XXXX  4.XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX, NY XXXX  -XX/XX/XXXXNotice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.
Consumer complaint received 2020-04-10
Product: Student loan — Federal student loan servicing
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: Navient Solutions, LLC. (OH)

I was told by the government that my student loan would be forgiven because I receive XXXX. I sent money to the forgiveness program, and they never applied any amount of money to my account. With saying that, I would like to have the previous amount owed to my students loans erased from my credit report please. This is really hurting me. Please help. I was paying monthly to the forgiveness program. Navient is the company. I have about 7 accounts. All are negative.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, checked my credit report and I noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit reporting agencies to remedy the situation and they would not help me remove these fraudulent and inaccurate accounts
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I went over my credit reports and I realized that there are some derogatory accounts that are being reported on my credit. These accounts are false and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off my credit file.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION (NY)

On XX/XX/2019 I had signed up for a TIAA checking account promotion that was available publicly on there website. The promotion was to open up a checking account and set up direct deposit through your employer with at least {$1000.00} deposited from your employer to qualify for a {$250.00} bonus. My XXXX through my employer was deposited into the account on XX/XX/2019. I was instructed from previous representatives that it would take 3 months to reflect the {$250.00} bonus. After many phone calls and back and forth they said I did not qualify for the bonus because the offer was not meant for the public which is incorrect because I had screen shots of the promotion taken from my computer as proof and now they refuse to honor the {$250.00} bonus even though I had met the terms and conditions of the offer.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I contacted trans union on multiple occasions with my last dispute being sent out XXXX XXXX. My dispute informed the bureau that the collection of {$12000.00} from la child sup was not valid and did not transpire from a credit transaction. I also informed that it violates my privacy under the privacy act of 1974 ( 5 u.s.c. 552 ). I request that the account be removed from my credit report expeditiously if finding any inaccuracies found in compliance with 15 u.s.c. 1681 ( a ) which mandates prompt correction of inaccurate information.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

XXXX to XXXX made attempts to make a payment. I received confirmation of payment but it didn't process for some reason I recall retrying and resubmitting bank information with a man in XXXX or XXXX and I eventually saw dollar wise my account had been reduced which loosely corresponded to {$310.00} ( which was short the stated {$15.00} immediate reduction and it was short the 20 % off for signing-up for e-mail ) Last week I saw on my free credit score a charge, and now today on the paid experion access they were charging me more at {$56.00} or {$58.00}. 

I called customer service just before and a XXXX from XXXX ( unbeknownst to me that the govt. is allowing our personal information out of the country ) but she refused to remove these fees. 
I asked to speak with a supervisor and she claimed I would have to wait. 

I have to write quickly I am late
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX is and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-18
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 XXXX  XXXX, Account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A State I have the right to privacy 15 U.S.C Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-01-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NFM, INC (NC)

Hi I believe I haven a victim of boycotting in 3 different morgate brokers I have trying get a home loan approval submitted my pay stuff and talking to the loan processor at those 3 companies and they all denied my loan.they never provide me with a denial letter stating the reason for it. Only orally they state that I don't qualify because my income is low and the have to high iloan to income ratio. Attached you'll find my pay stuff. I even calculate the loan to income ratio myself and in XXXX. Stay low and I can qualify for XXXX.Even my son was suppose to be my cosigner and they state isn't approved. The firts company is XXXX XXXX The name of Loan processor XXXX XXXX. Date XX/XX/2021 to present. I had a contract with XXXX XXXX signed in XXXX XXXX.He pre-approved me for it. I got unemployed XX/XX/2021. I called explained. They let me get another job. I stater to work on XX/XX/2021. 2 jobs. One at sesalons pay with XXXX. And XXXX XXXX  pay XXXX. All paystuff submitted by email to him. Even my son pay stuff. I haven received the declined loan letter. Just a phone call by him saying he only use my base salary he can't use XXXX. And he just called me today again XXXX XX/XX/XXXX at XXXX XXXX to confirm he didn't approved it I asked him again if he use my whole pay stuff amount he said yes. When he told me he couldn't. The loan amount was suppose to be XXXX. I had putted XXXX in down-payment. Wich XXXX homes refunded to me.he also said I'll be getting the declined loan letter in 10 days. Second company I applied to is The XXXX XXXX of NFM Lending. I firts apply with XXXX XXXX then XXXX XXXX was in contact with me. Her assistant I believed. Then a 3er person stating was the loan coordinator manager called me and stated it we won't qualify because the loan to income ratio was to high. And he can only use my base salary not my whole pay check amount. And neither my son whole pay check. Wich is absurd. That is the proved of income and we pay taxes to whole amount. I requested her the declined letter that by RESPA I'm suppose to get with the reason of the denial and she said she is not use to it to send any because it has the names and head names of the company. Yes I have been a victim of boycotting and XXXX XXXX XXXX XXXX XXXX Loan number XXXX And XXXX XXXX | she/her/hers XXXX XXXX XXXX  # XXXX XXXX Cell : XXXX Fax : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Attached you'll find the paystuff and XXXX.
Consumer complaint received 2020-04-10
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/XXXX, my debit card inside my wallet alongside my phone was stolen at the gym when I went in for workouts. Since I had to be at work, I informed the manager of the gym to keep eyes on the camera. I later called the bank with a different phone, but because I could not speak with an agent to file a claim, I blocked the card. On Monday XX/XX/XXXX, I finally called the bank before I realized a transaction of {$2500.00} which I did not approve of. I filled a claim, and later on XX/XX/XXXX I was issued a credit for the amount. On XX/XX/XXXX, the credit put in my account, without no notification, or interest to inform me, my account was overdrawn because the credit issued to me earlier was reversed. After calling the Bank of America to find out what happened, the agent on a recorded line kept saying they would not disclose the reasons why. To my understanding about the Federal Trade Commission bureau says that no Bank institute is allowed to let a consumer pay more than {$50.00} of an unauthorized transaction which after settlement, the consumer maybe asked to pay fees. My case was different, not only that the bank at first found my claim to be true before changing their minds, they made me pay the {$2500.00} back. On XX/XX/XXXX, I delivered the Bank a letter of Demand, explaining to my own knowledge, stating that I did not authorize, or know of these said transactions. I reopened the claim on XX/XX/XXXX, but I waited for more than the time needed for the claim to be resolved. 
I am offended and I was treated like trash, like a thief for wanting my money back from the bank. I said so because, no valid reason was explained to me why the credit was reversed. I was only told that logically, I planned this. Sir, Bank fraud is no joke, credit score is no joke ; I would never plan to get money back from the bank through fraud, All I want is justice, and more proof and evidence to this false accusations from the bank. The bank was also very secretive on the investigation, not letting me know of anything to be specific. I was told by an agent on XX/XX/XXXX, Miss XXXX, that I would get my money back. Why would she say that if I was at the wrong? Later after waiting two weeks longer than the time required, I called again to persuade them. On XX/XX/XXXX, the final result was that No money paid. Why? I was not told, I called and called and called, but the agents will say, we can not say why. Please don't let the bank treat me this way ; I have XXXX XXXX XXXX  cases in my family, one being critical. I am begging that another institute look into this, the Bank refused me financial aid to help support my family because my account was on a negative ; even though it was a claim I filled. The Bank of America is a heartless bank that cares only about money, since I struggled on my own to pay them back, I want, my money back.