davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service (FL)

This complaint is with the Military Star Card. This organization services only Military Families. We made a purchase through the Military Star Card at ShopMyExchange.com for a bed that cost us {$4500.00}. The bed did not suit us and we requested a pick up and refund within the exchange guidelines. This process by itself took a long time. The Bed was picked up on XX/XX/XXXX. We were not able to request a check to be sent to us because it was in " Possessing ''. Finally ( 4 weeks of processing time later ) on XX/XX/XXXX, we were able to request the credit as it was transferred back to our Military Star Card. I was told that it would take about 7 business days to get to us. I called today ( XX/XX/XXXX ) and was told that the check was sent out for approval on XXXX and that it was sent out on XX/XX/XXXX. We are now on our 7th week since that bed was picked up from our home and 2nd week since it was credited back to our card and I do not have my money. 

Dealing with this company, it is apparent that they are not equipped to manage finances for anyone much less our Military Community.  There is a severe lack of accountability, knowledge, and professionalism. Every time I have called, I have been told that they need to submit some form DD ... and require 48-72 hours to respond. Of course, they never do. I call back, request the same information and am told that they need to submit another DD ... form and get back to me in 48-72 hours. 

I want what is mine, my {$4500.00} that is siting in my account as a negative balance.
Consumer complaint received 2022-03-25
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights 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 a account without my written instructions
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 — Information belongs to someone else
Company: MoneyLion Inc. (NY)

I became aware in reviewing my credit report in early XXXX that someone fraudently took and and was given an installment by an online banking institution by the name of MoneyLion. Identity theft is involved and the loan was taken out illegally using my social security number, name and date of birth. The bank did not check my credit reports ( as I have a lock on them unless I need to use them ) and did not verify that the person taking out the loan lived at the address given ( by seeing a copy of a drivers license ). The person who took out the loan ( {$500.00} ) received the money from MoneyLion and is now delinquent on their payments. The delinquent loan is showing up on my credit report and has negatively impacted all of my scores. More frightening is that someone is taking out credit using my information ( identity theft ) and that certain institutions like MoneyLion do not have adequate safeguards in place to catch. I have read online, in researching the situation, that MoneyLion has had several cases like mine with people opening accounts and taking out loans fraudulently I have called MoneyLion. I finally got a representative who said they referred my case to the fraud department. I have not been permitted to have any direct contact with the fraud department. I have filed a police report with the XXXX XXXX XXXX Police Department NY report number XXXX. I have also filed a report with the FTC reporting identity fraud. The case file at MoneyLion is XXXX XXXX XXXX for the fraud that I have reported to them.
Consumer complaint received 2020-03-29
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: EQUIFAX, INC. (AR)

I TOOK OUT STUDENT LOAN IN XXXX, MY 1ST DELINQUENCY WAS XX/XX/XXXX, THUS THE STATUES OF LIMITATION HAD EXPIRED ON XX/XX/XXXX, SEE OLD XXXX  AND EQUIFAX PROVING SUCH. XXXX  AND EQUIFAX KEEPS IGNORING THE LAW. THAY ARE BREAKING THE SOL AND THE DODD FRANK WALL STREET REFORM.
Consumer complaint received 2020-03-17
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. (HI)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX   XXXX XXXX  XXXX
Consumer complaint received 2020-03-17
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. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX  XXXX {$500.00} XXXX  XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}
Consumer complaint received 2020-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX  XXXX {$500.00} XXXX  XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}
Consumer complaint received 2020-03-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (SC)

My vehicle was in a total loss accident XX/XX/XXXX, I was not at fault of the accident so I filed a claim with the other party 's insurance. On XX/XX/XXXX XXXX XXXX sent the total loss check to my lienholder Mazda Capital Services ( Chase Bank ) it was delivered and signed for XX/XX/XXXX for the amount of {$13000.00}. I have been repeatedly told that it would take 7-10 business days for the check to post to my account, as of XX/XX/XXXX it still has not been cashed @ 14 business days. The representative keep acting like they never received the check and I have to inform them I have tje confirmation of delivery for them to see the check was received. On XX/XX/XXXX I sent a payment of {$250.00} towards the XXXX payment, they reversed it on XXXX and I still have not received it as of XX/XX/XXXX. Please help me I can not proceed with my GAP insurance claim until Chase cashes the insurance payment. I fear that they will do this same thing when the refund from my warranties are sent to them
Consumer complaint received 2020-03-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Hello, I received a call on Friday, XX/XX/2020 and the caller said he was XXXX XXXX from XXXX XXXX ( this is my car insurance office ). He asked three times if I was XXXX XXXX and I said yes, I am -- then the call hung up. I called the number and got Portfolio Recovery Service. Then I called my XXXX XXXX office and confirmed I had not received a call from them. 
The caller misidentified himself on purpose in order to confirm my phone number is correct ; isn't this illegal? 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-03-17
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. (CO)

XXXX and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX/XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. XXXX  is reporting correctly. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2022-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (GA)

Notice To Intent Experian, Who gather, analyze and process data in ways others cant. We help individuals take financial control and access financial services, businesses make smarter decision and thrive, lenders lend more responsibly, and organizations prevent identity fraud and crime. Who empower consumers and clients to manage their data with confidence so they can maximize every opportunity. Experian who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Experian. In my case my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I am in the process of applying for a mortgage and can not get ahold of someone at Equifax to assist with a credit freeze. I have made multiple attempts to speak with someone but never get an answer. Equifax is impeding my ability to get a loan due to their unavailability. How do I resolve this issue?
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.

Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with MIDLAND CREDIT MANAGEMENT.
Consumer complaint received 2021-04-20
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (IN)

Reliant Solutions are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX  nor Reliant Solutions have verified the debt. Reliant Solutions have stated that this would not be on my credit report however has of XX/XX/13 it has shown on all 3 bureaus as a collection debt. I do not owe and have not been shown that I do owe. I have repeated asked to verify and never has it been verified. They state that will speak with XXXX XXXX XXXX but no validation
Consumer complaint received 2022-03-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MD)

My wife and I were in the XXXX forbearance program with Caliber Home Loans, before the XXXXmonths, we were informed by Caliber to apply for a loan mitigation modification. We applied and were approved however Caliber has admitted to not sending the documents to us that we need to sign to begin the modified payments. Caliber informed us not to make any payments until we received the documents and Caliber admits that their underwriter has not sent the documents. Now, Caliber states that since we did not return the documents ( which Caliber never sent ) that we need to reapply and Caliber has now started sending intent to foreclose notices. Caliber informs us each time we call to " ignore '' the foreclosure notices because they are simply auto-generated however Caliber is sending conflicting messages regarding our mortgage.
Consumer complaint received 2024-01-01
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. (TX)

in accordance with the Fair Credit Reporting act Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX XXXX has violated my rights. 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

I want to give an information about imposter related to wire scam using your bank. I met a person who I fell in love. He said that, He went to XXXX for work.He said that His wallet was stolen by his workers including credit cards, driving licence and passport. So I believed him and I sent him XXXX USD on XX/XX/2020 to PNC bank account to XXXX XXXX XXXX. He asked me to send the money to the different account numbers he provided from money agent in XXXX. He told me his bank account was blocked and he couldn't use his accounts. Because he was in XXXX. He had to go to the bank personally to open his account. Because of his contract he could not leave XXXX before he paid the workers 's expenses. I tried to help him. But Later I checked his bank account web site that he sent to me was spam. Then I understood everything was fraud. He lied to me. I collected this money from my credit cards and getting loans. I did this transaction from my XXXX  XXXX XXXX account, I filled a complaint file for XXXX XXXX related PNC Bank about wire scam XX/XX/XXXX XXXX. I attached the message part related to PNC bank and the invoice. It was wired to XXXX XXXX XXXX account number XXXX XXXX, NJ. The money was quickly released from my account. they had a friend in the PNC branch to release the money from my account quickly. Please help me. This is a wire scam. They have a big organization for cyber crime. They are trying to steal the money from people. I want to stop them to hurt the other people. You need to stop them using PNC Bank. Please try to get back this money from them, and wire to my account. Thanks for your help. 

Best Regards
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I need access to my mortgage account online which I was able to for over a year. Suddenly I am been told online and person to person phone conversation that my account is been placed on hold. These failing attempts to access my account has been over three weeks. 
Please help.
Consumer complaint received 2020-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~