davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BMW Financial Services NA, LLC (NJ)

My deceased husband leased a car I made payments when the lease was up after dealing with XXXX Bmw over 20yrs I decided to buy the car. I left without the car. I sent an email to the manager that I had second thoughts I wanted out. I get to the dealership and the salesman says its to late I said well i was turned down for credit. My credit was highjacked. They didnt care not their problem. I called Bmw headquarters they put in a complaint and told me to try and deal with the dealership. I tried they would not return my phone call, the customer service was nasty with me finance would not call me back. They sold me a car for XXXX that I can only sell for XXXX. I can not be bullied into this car. Then after all these company 's turned me down, then Bmw financed the car they have destroyed my credit even further. 
I can not afford the car but I can not afford to have it repossessed because they will put a lien on me for the balance the car has XXXX, XXXXXXXX XXXX   its a XXXX. I need help thank you XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Hello I have been trying to call and speak to a representative of Experian credit report. I have had no luck to talk to them of credit fraud and a freeze on the credit. My bank advised me to Reach out to all 3 credit reports and see what was going on, since I tried to get a personal loan and my credit was flagged down to where they couldnt get information.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION (NC)

An electronics funds transfer company called XXXX, has charged me {$200.00} after I tried to send {$20.00} to a friend XXXX. 

This company works by letting you put in the amount you wish to send and then hit button which sends the money. However this company does not ask you to 'verify ' or " are you sure '' this is what you want to send. As soon as you hit send the transfer is made and there is no way to see what you sent and no way to reverse or correct the charge once the screen says you sent something else. This is what has happened with my transaction but things get rocky from here. 

XXXX now only works with bank accounts because some banks will authorize a funds transfer without question, whereas a credit card company or other financial institutions will not. In my bank, truist, I only had about {$53.00} in the account, so my question to the bank is, why would you allow for over {$200.00} to be debited? I was told it is the decision of the bank manager or people in a particular branch as to whether or not they will allow such a debt. 

I called both XXXX  and truist within 20 mins of receiving a message that I had sent {$200.00}. XXXX 's response it to say that policy does not allow for mistakes on the part of the sender and once the money is sent there is nothing to be done- this is scam number one. Truist stated that after a week had passed they would begin an investigation to see what if anything could be done. 
I received a letter today, XXXX, from Truist letting me know that my money was gone because having contacted XXXX, they were told that I did indeed make the transfer and despite not having the money to cover this transaction they could help no further. 

A bank should not have the right to choose if they will debt your account without first checking to see if the money is available as they do in almost every other instance. XXXX probably has many complaints from customers that have made mistakes and find out there is no recourse. The bank has to be the responsible ones to deny any such request and protect their customers. If funds are not available and they then debt an account in any amount, the burden of the cost should fall upon the bank. 

I have used XXXX  for the past 2 years and I am very careful when sending money. It seems unlikely that instead of typing {$20.00} that I type {$200.00} instead and I certainly at no time verified that amount. I only hope that this can be resolved and that an easy fix to this kind of problem can be implemented by both the bank and any funds transfer company doing business with the public.
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

I have retained an international attorney to represent me regarding the resolution of my parent 's estate. As he is not located in the US, he provided to me his information and requested that the payment be submitted via moneygram. I scheduled a payment of {$1400.00} usd with a transaction fee of XXXX the payment reflected that it successfully processed but when I attempted to sign back into moneygram to obtain the reference number I found that my username and password would no longer work. I contacted Moneygram and was advised that they flagged the transaction as suspicious and revoked my privileges and suspended my account indefinitely. I have used moneygram as a faithful customer for years as most of my family reside in the XXXX. There was no detailed information as to why my account was suspended.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2022-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX, I wrote a check for {$3500.00} # XXXX to XXXX XXXX XXXX as an initial payment for a roof repair at XXXX p.m. Within the hour, about XXXX p.m., I contacted Chase Bank to stop payment and reported fraud, as I discovered that XXXX XXXX was ordered to cease and desist by the Illinois Department XXXX XXXX XXXX XXXX as an unlicensed XXXX XXXX 
The Chase Bank Customer Service representative stated that she could not stop payment and she assured me that the XXXX Department would help me ( these calls are recorded ) On XX/XX/2022, I contacted Chase Bank, requesting help. Chase Bank told me that they could not help me as I wrote the check. It did not matter that XXXX XXXX XXXX is a fake company and that this man committed fraud against a XXXX XXXX 
On XX/XX/2022, Saturday, Chase Bank Rep told me that the XXXX Department was not open on the weekends. However, the next day, XX/XX/2022, Sunday, I tried to call XXXX Department and they answered. They continued to place blame on me for writing the check despite the fact that it is a check written to a company for services. 
On XX/XX/2022, I saw that check # XXXX to XXXX XXXX XXXX was not endorsed. It was deposited to an account without a signature and without a business stamp. Chase Bank then took my fraud report but continued to state that it was my fault that I was scammed. 
I made a report to the police department on Sunday, XX/XX/2022 XXXX XXXX, XXXX XXXX. 
I made a report to XXXX  Attorney General # XXXX I made a report to Federal Trade Commission XXXX XXXX contacted The XXXX XXXX XXXX Attorney Office and made a report on XX/XX/2022 I have called Chase Bank XXXX XXXX XX/XX/2022 requesting for assistance on a fraud against a XXXX XXXX. It is against Federal Law to scam sXXXX XXXX  and Banks are responsible. Chase Bank is aware that XXXX XXXX is a XXXX XXXXXXXX, misrepresenting himself as a XXXX XXXX ; this is allowing and abetting fraud by ignoring his fraudulent deposits with no authorized agent endorsing a check for XXXX XXXX. 
Please assist me in this most frightening and frustrating experience. I am a XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appears on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any inquiries listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2022-05-25
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. (CA)

This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.
Consumer complaint received 2019-06-19
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. (TX)

XXXX  ; Experian and XXXX  are reporting information on my credit report belonging to another person. Please see the attached copy of my credit report. ( I have also attached a copy of my social security card to verify my SSN. ) At the top of the credit report you will see my name XXXX XXXX - and in the section titled Personal Information you will see the name of a XXXX XXXX XXXX, D.O.B. XXXX. Continued throughout the credit report is information pertaining to XXXX XXXX XXXX. I have contacted the ( 3 ) bureaus to remove XXXX XXXX from my credit report however I have not had any success. This incorrect reporting is not only harming my credit score, it is a case of mistaken identity. XXXX XXXX has had issues with the police as well, as you can see by the attached police report. I was stopped by the police recently and when they submitted my information into their system, XXXX XXXX information appeared. I had to provide additional information to the police officer to prove that I was in fact who I say I am. This is a serious issue and I respectfully request it get corrected on my credit report and that XXXX XXXX information be completely removed.
Consumer complaint received 2023-04-09
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. (CA)

I am writing to dispute 6 accounts on my credit report in accordance with the fair credit reporting act the following accounts : XXXX Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Ga XXXX Phone ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX XXXX XXXX, has violated my rights.15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-25
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. (CA)

This was not sent an error I am a concerned consumer, my information is being misused and the credit bureaus are taking advantage of me and my consumer report.I have sent letters addressing my concerns and they are still violating me.
Consumer complaint received 2017-12-29
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. (MO)

I am writting you this letter in regards to open student accounts/loans reporting on my credit report. These specific loans are reporting inaccurate balances. They have not been verified to be belonging to me. They have also, reached the reporting limit statue of 7 years. I am requesting that the following student loan accounts be removed from my credit report imediatly. This is negatively affecting my score, debt to income ratio, and the process of buying a home. I will wait 14 days to ensure the removal of the accounts listed below before I proceed further. I hope that this matter is resolved in a timely mannor. 
The accounts to be removed are as followed : XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX XXXX XXXX XXXX / XXXX {$430.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX XXXX / XXXX {$440.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$530.00} XX/XX/XXXX ( 2 yrs, 6 mos ) XXXX XXXX/ XXXX {$1200.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$1500.00} XX/XX/XXXX ( 3 yrs, 6 mos ) XXXX XXXX/ XXXX  {$1800.00} XX/XX/XXXX ( 6 yrs, 9 mos ) XXXX XXXX/ XXXX {$2000.00} XX/XX/XXXX ( 4 yrs, 6 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 2 yrs, 8 mos ) XXXX XXXX/ XXXX {$2200.00} XX/XX/XXXX ( 3 yrs, 3 mos ) XXXX XXXX/ XXXX {$3000.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX/ XXXX  {$3100.00} XX/XX/XXXX ( 6 yrs, 6 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs , 9 mos ) XXXX XXXX/ XXXX {$3500.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX {$3600.00} XX/XX/XXXX ( 8 yrs, 2 mos ) XXXX XXXX/ XXXX {$4300.00} XX/XX/XXXX ( 2 yrs, 11 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$4500.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$4600.00} XX/XX/XXXX ( 6 mos ) XXXX XXXX XXXX  {$4700.00} XX/XX/XXXX ( 1 yr, 6 mos ) XXXX XXXX/ XXXX {$5300.00} XX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX/ XXXX {$5900.00} XX/XX/XXXX ( 5 yrs, 3 mos ) XXXX XXXX/ XXXX {$7200.00} XX/XX/XXXX ( 3 mos ) XXXX XXXX/ XXXX {$8400.00} XX/XX/XXXX ( 6 yrs, 2 mos ) XXXX XXXX/ XXXX  {$9200.00} XX/XX/XXXX ( 8 yrs, 2 mos ) I am filing this complaint against XXXX XXXX XXXX XXXX/ XXXX as well as the credit reporting agencies.
Consumer complaint received 2022-05-25
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. (PA)

These accounts are fraudulent, I never gave these companies written consent to report anything on my credit report nor did I give these companies written consent to have access to my consumer report, no consent is identity theft violation of : -Privacy act of 1974 -15 usc 1681b ( a ) ( 2 )
Consumer complaint received 2022-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (IL)

Hi my name is XXXX XXXX and Venmo has held over XXXX of my funds past 180 days and wont release my funds or transfer them. There user agreement says they have up to 180 to hold funds and nothing says anything about a day later. Its been over a year and a half and they still wont give any explanation or anything. The date my account has been frozen is XX/XX/2020. They also sent me a email saying they would release my funds on a specific day and still it hasnt been anything. I will attach that with this
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XX/XX/XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original CreditorXX/XX/XXXXXXXX XXXX XXXX XXXX MD ) XXXX Balance XXXX {$370.00} XX/XX/XXXX XXXX Balance : {$800.00}
Consumer complaint received 2022-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

On XX/XX/XXXX I paid XXXX XXXX for 2 accounts in the amounts of {$100.00} and {$23.00} that was placed for collection with Transworld System. I contacted Transworld system on XX/XX/XXXX to verify that they have received information that the account was paid in full. XXXX stated that their system had not been updated but she would send a message to XXXX XXXX to verify the account. On XX/XX/XXXX I contacted TransWorld System again and they said they still have not received verification from XXXX XXXX. I then contacted XXXX XXXX and they said they have indeed updated them and would send the information to them again to remove the account. XXXX XXXX then sent me proof of payment. On XX/XX/XXXX I again contacted Transworld System because the account is still reporting unpaid in my credit report. They again say they have not received information from the client that the account has been paid. On XX/XX/XXXX I called XXXX XXXX and again they said they have sent them the information. The representative place me on hold and sent the information again for a third time. Transworld System has been reported inaccurate information to the credit reporting agencies for 3 months.
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX. Hard Inquiries : XXXX, XXXX, XXXX XXXX NA, XXXX XXXX XXXXXXXX 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 XXXXXXXX, have all violated my right. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-25
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. (FL)

I am pleased to see some improvements on my report and some of the accounts which I have disputed were removed. However, there are still remaining accounts on my report which are fraudulent and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$70.00} XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXX XXXX XXXX XXXX XXXX MD ) XXXX Balance XXXX {$370.00}XX/XX/XXXX XXXX Balance : {$800.00}
Consumer complaint received 2022-05-25
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2022-05-25
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TOO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC1663A CREDITOR MAY NOT TREAT PAYMENT PN A CREDIT CARD UNDER ANY OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.