davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX/XXXX  XXXX Balance Owed : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX XXXX  XXXX Balance Owed : {$57.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX  XXXX Balance Owed : {$2300.00} -The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Consumer complaint received 2021-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (NC)

I have been with BB & T since around XXXX of 2019. I opened a checking account with them. First I had the Bank Manager at that time to notarize a document for employment. She didn't do it correctly. I took it back to find out that she had retired. The new XXXX XXXX XXXX refused to notarize the document when I said to him, you're making the same mistake that she made. He then said that he didn't have to do it, and didn't. I filed a complaint with the Bank. Nothing was done. Then my debit card started getting denied. They tried to say it was suspicious activity. I shop in the same XXXX XXXX XXXX to 3 times a day. I felt discriminated against because I am a XXXX woman and the Manager is XXXX The Bank did nothing about my complaint. Now I feel as if I am being retaliated against. I have spoken to the Fraud department more than 3 times in reference to them blocking my card. There is no way they truly suspected fraud. I have Bank statements that show just how much I am in the same XXXX XXXX. Now it also feels like harassment. All of my complaints with the Bank has fallen on death ears.
Consumer complaint received 2021-01-14
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. (WA)

XXXX, Equifax and XXXX  are purposefully, willingly and knowingly lowering peoples scores and reporting inaccurate information on reports. I get my score of XXXX and then go to the bank the next day and it is 200 points lower for no reason other than they are purposefully lowering peoples scores. I will never finance anything ever again.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Conn's, Inc. (AL)

This complaint is for Conn 's XXXX XXXX. i have called and asked for a copy of the credit app, to know avail the name on the account is XXXX XXXX my name is XXXX XXXX when they called and asked for my imfomation and started sending me bills account XXXX i would like them to remove this from my credit report.
Consumer complaint received 2021-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (TN)

Barclay 's Bank of Delaware accessed my credit report twice in the same day in response to a legitimate credit line increase request. I already had 1 inquiry in the previous 2 years which was legitimate. Barclay 's negligent and tortious actions have resulted in a total of 3 inquiries on my report which has harmed my credit score as the range of acceptable inquiries is 1-2 for " good ''. Their actions have pushed me into the 3-5 range which is " average ''. I have emailed their customer service inbox with a screenshot of the error and their response was to log into my online account and submit in inquiry in the message center. I have done so twice and only received canned responses which do not address my complaint. This is not the first time this institution has ignored or dismissed my valid disputes. In 2015, my account number was compromised and there were fraudulent charges on my card which Barclay informed me I had to pay for until they completed their investigation at which point they " may '' refund the charges. They only took the fraudulent charges off after I went to their facebook page and posted the message exchange.
Consumer complaint received 2020-06-12
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. (FL)

XXXX  and Transunion are reporting incorrectly that I am ( 90 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to  remove this however, I have not been successful.
Consumer complaint received 2021-01-13
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. (NC)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-12-29
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advance America, Cash Advance Centers, Inc. (LA)

Advance America has been contacting me 3-4 times/week about somebody else 's debt. The calls are robo calls, following the prompts to have them quit calling apparently is not working as the call just hangs up. Most of the calls go to voicemail, and have about 15 of them for just XXXX. I've answered a few of them also hoping to speak to somebody but normally the call hangs up. 
The messages are the same : " This is a message for ( person ) if you are not ( person ) please hang up. There will now be a short pause in this message to allow you to take the system off speaker is necessary. This is advance america calling about your outstanding loan please call us back at XXXX or text us at XXXX to take advantage of an offer or to opt out of future offers ... '' Calls from them have come from : XXXX, XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2021-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (TX)

I have had this card for 4 years and last few years Ive had personal stuff going on that resulted in a injury and time off work. I contacted NFCu both times letting them know my circumstances even after I told them I kept trying to make my payments. I even had it to where I was only XXXX over the limit. Right when I paid my payment the interest hit again resulting in my payment making no impact. Which it has done continuously. 
They then told me they would work w me however the interest still hit resulting in over XXXX a month payments. Which was hard to do given being on workers comp and off work for an injury. 
They then promised they would lower my payment and keep my card open. However after that was promised they turned around and closed my card saying that my payments were missed in the past and they couldnt keep it open. Yes it was missed but thats why I contacted them to work w them. They lie non stop and promise customers that they would work w them when in general they over draw your acct more by tagging on more interest to the point that you are now over the limit by XXXX. They also asked me to pay XXXX a month on this cc. 
Not to mention being harassed two to three times a day w phone calls. Its ridiculous. Then you get threatened for being sued, credit reporting and so on. 
I have tried several times to work things out w NFCU but they are impossible. Even with XXXX hitting and me being on XXXX XXXX for a year they didnt even work w me. 
I would like help on this. I now owe XXXX on a XXXX cc w them. They guaranteed my card would stay open and lied about it.
Consumer complaint received 2020-10-01
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 have came across a few accounts that has not been done by myself nor have I consented to these negative accounts currently on my credit history. I am not sure how these accounts were falsely done in my name with my personal information and I would like them removed as soon as possible.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I used my Chase credit card and the charge was declined. I immediately called Chase to ask why this happened and they said they have no info to give me over the phone and that I should expect to receive a letter from Chase. Thereafter, I received a letter dated XX/XX/XXXX20 stating only " We have decided to close your accounts. After a recent review of your accounts, we have decided to end our relationship with you. '' I called the number on the letter XXXX to inquire about the account and reached the Compliance Dept. They recited to me " we reviewed your account and determined that we can not maintain your account ; and as a result, made a final decision to close your account. '' That was it!! The Chase representative said he had no other details on our account and can not direct me to any other depts at Chase for me to speak to. Chase unilaterally closed our bank accounts without giving an explanation. Also, when I went to another bank to open a new account, that Bank opened a new account and closed my account the next day. Apparently, Chase closed our account and presumably reported the closure on check reporting companies so that we can not bank elsewhere. Also, I tried to open a new credit card and got denied with a credit score of XXXX?! I also had high balances in both my personal checking and savings accounts with no overdrafts, etc. I need ANSWERS!
Consumer complaint received 2021-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MOUNTAIN WEST FINANCIAL, INC. (CA)

I have tried vigorously to remove the Private Mortgage Insurance  payment with my lender, Mountain West Financial Inc, but have no results due to the lack of help and attention to my request since XXXX of 2019 to the present. I was forced to apply for a second time due to the fact that Mountain West Financial Inc during the time my first application was been processed changed the servicing of my loan from one department to another and my application was lost. Again I had no other choice but to apply again and pay once again for a new appraisal and BPO. Now that the appraisal and BPO was completed, the appraisal came in at {$460000.00} and my mortgage balance is at {$350000.00}. That puts me at 76 % LTV, under XXXX XXXX Guidelines, once you've built equity of 20 % in your home, you can cancel your PMI and remove that expense from your monthly payment. PMI will automatically terminate on the date when your principal balance is scheduled to reach 78 % of the original value of your home, again Im at 76 %. The way Mountain West Financial Inc has handled this matter is unacceptable, fraudulent, irresponsible, frustrating and I have no other choice but to seek help from your agency.
Consumer complaint received 2021-01-13
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. (GA)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account asap!
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Skrill USA, Inc. (SD)

Paysafe Payment Processing is connected to XXXX XXXX and will be referred to as from this point on. XXXX XXXX/Paysafe 's processing entity risk department closed our account without warning. Of the two days worth of processed payment transactions ( Batch receipts for XXXX = {$700.00} & XXXX = {$170.00} ) totaling {$870.00}, we received only {$120.00} into our bank account. I called XXXX XXXX and their processing entity ( Paysafe ) numerous times and was told our credit card processing account was closed by their risk department. They said that since the account was closed, the other {$740.00} was just returned to our customers. That means that services we provided were not paid for because XXXX XXXX/Paysafe gave the money that was paid to us through credit cards ( {$740.00} ) was given back to these customers. There is no way for us to recover that money. We view this as theft on the part of XXXX  XXXX/Paysafe.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I have gotten my unemployment benefits on this card and have not had a problem till now i changed my address online and us bank puts a hold on my card its been 3 weeks plus and have my unemployment benefits for a 2 week period they asked me for id verification i have send documents 5 times and every time its something else u told them about my id situationand how dmv in texas is by appointment only n all i had was a copy in color of my dl to today I have no access to my money I was not able to pay my bills cause i have no way to them this really frustrating n us bank has no action on they part every time i call they verify my identity so why cant they verify submitted documents thanks and any help will b appreciated ps.

Im attaching all the documents i send us bank
Consumer complaint received 2024-06-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (TX)

We should be included in the Wells Fargo lawsuit settlement. We has loan modification and after the modification our loans were sold. I has a car loan with Wells fargo and the car was paid in full early. No refund for early payoff. I had a checking account and charge many overdraft fees.
Consumer complaint received 2021-01-13
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. (PA)

TransUnion has repeatedly violated my rights FAIR DEBT Reporting ACT VIOLATIONS & FAIR DEBT COLLECTIONS ACT VIOLATIONS My initial letter dated XX/XX/2020 was a dispute! Disputing fraudulent inquiries in my name. 

-TransUnion refused to do an inquiry which is violation number1 -TransUnion did not respond to me within 30 days which is violation number2 -I have had furnishing companies reach out to TransUnion to remove the inquiries TransUnion has refused which is violation number3 -I filed a complaint with the CFPB TransUnion manipulated the CFPB 's system by responding with a generic statement which was defining the word inquiry and that is violation number4 CFPB Complaint # XXXX & XXXX Next step is hiring a lawyer
Consumer complaint received 2023-02-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (GA)

XX/XX/2022 {$6000.00} dollars sent this though the agency XE money transfer to my recipient, the same day when XE send me a notification the money is in the recipient account I call him to check his bank account to see if was the money there, no wasnt there, I called the agency to notify this and they said I need to wait, Im still waiting for three months, I decide to let them know that I need a recall that I want my money back, but they only said the bank dont respond the recalls, they try to fooling me or what, thats why Im sending the bank statements from my recipient bank to proof he never get the money, they privacy said if the recipient dont receive the transaction XE need to refund the money, dont try to steal other people money, be serious.
Consumer complaint received 2021-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I Received a letter of declamation on XX/XX/2021. The declination was from First Bankcard which is fFirst National Bank of Omaha stating they were unable to approve my credit card request and the reason for their denial was identifying information does not verify. I telephoned the bank to inquire with a credit analyst what particular information were they unable to very and was advised that the credit bureau did not have the date my Social Security number was issued. My spouse has been an XXXX  of major XXXX  for over 25 years and stated hes never witnessed such a decline especially since no attempt was made with me from them to obtain any verification. By the way, the date is printed on my Social Security Card. I feel if my name wasnt XXXX XXXX XXXX XXXX, maybe a little more effort would have gone into their review. Other banks have asked for my drivers license, income verification, and even my Social Security Card ... .. Im not in banking but to decline a potential customer, human being, a real person without a blink of an eye for such a pathetic denial reason, they should of just said they dont approve XXXX. My credit score is XXXX as youll see on the documentation attached. The analyst advised I contact XXXX  so my issue date could be added to my number. The representative at XXXX  had no idea what I was talking about. First Bankcard refused to re-evaluate their decision and advised I re-apply. That makes 0 sense. She also advised that my application was strong and re-applying was all she could say. Also please note, I called as soon as I received their letter. Mail is running 20-25 days here in state.
Consumer complaint received 2021-01-13
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. (GA)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-13
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. (MI)

I disputed a reporting on my credit for identity theft and XXXX  verified it without providing me with any information as to how and when I applied or incurred any damages with anyone to any debt.
Consumer complaint received 2021-01-13
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: Radius Global Solutions LLC (WA)

XXXX XXXX claims I had a New Balance of {$170.00} with a Please Pay By date of XX/XX/2017 and another new balance on XX/XX/2017 statement showing a Past Due Amount of {$280.00} XXXX XXXX also claimed I had a new charge from XXXX XXXX XXXX XXXX for {$100.00}. As I have mentioned to both XXXX XXXX and Radius Global Solutions the debt collection company they assigned to collect this debt that none of these transactions were mine and I had no idea who they belong to. 

Out of stress and frustration I offered Radius Global Solutions LLC a one time offer to settle the account for {$100.00} just to get rid of the derogatory account, they countered with {$220.00} I declined because I was not going to pay this company more money for an account with transactions that were not even mine, period! 

But now I'm fed up and have had enough I want the entire account removed from my credit report in its entirety. 

Dependent upon the response, I will detail any potential issues with both XXXX XXXX and Radius Global Solutions LLC via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Attorney Generals Office CC : XXXX XXXX XXXX