davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (KY)

On XX/XX/2021 I used PayPal to send {$30.00} to my husband who was out of town working for gas money to get back home. I used the e-check option but since there was an unauthorized transaction on my funding account the transaction was unable to go through on XX/XX/2021. On XX/XX/2021 it was re-presented again to my financial institution and cleared at XXXX CDT. I have called PayPal numerous times and spoke to supervisors as well as in online chat and they all continue to tell me that the transaction has not cleared my bank although I have submitted official statements from my bank. The day it is told to me that the funds would be available has changed from the XXXX to today the XXXX and the funds still show pending and they refuse to post the money.
Consumer complaint received 2017-07-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commonwealth Financial Systems, Inc. (LA)

On XX/XX/XXXX, I received notice that Commonwealth Financial was added back to my credit report after being disputed and removed twice. They have also changed the date of the collection to XX/XX/XXXX. This is illegal re-aging of an account! I have disputed this company twice from my credit report and they have removed the file, only to re-age it and add it back a few months later. It was removed XX/XX/XXXX and also again in XXXX of XXXX. This is the same account that they are continually re-adding back to my credit reports. I am tired of having to dispute them and then they illegally put this account back on my credit reports but with a new date.
Consumer complaint received 2022-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and discarded from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX 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 XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 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 2021-03-09
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MA)

Currently Shellpoint MTG is reporting a deferred balance on my loan of {$82000.00} that i have no memory of, i have tried to escalate the issue with them multiple times by phone and even via their electronic customer service portal but they do not respond. 

I have lost hope on what to do and how to get the answers that i seek as the deferred balance is half of the outstanding mtg payment of {$160000.00} i ran a deed search and have found that there is nothing there justifying the amount and again no one gets back to me or treat me fair when i try to resolve the issue i need someone to help me resolve this issue.
Consumer complaint received 2015-04-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please note I have contacted the company regarding this and they passed the blame back to XXXX. Please see case # XXXX against XXXX. Please also note that i would have also filed a dispute on my credit file had i known what to dispute as you will find attached i have a copy of my transunion credit report and there is no information on it that suggests I have an installment loan so I really have no way to file a dispute with transunion. I have found that these reason codes are in fact generated by transunion. All I want to know is what installment loan are you referring to with reason code XXXX " lack of recent installment loan information '' but nobody seems to want to tell me what non existent installment loan I have. Do I really need to take you and XXXX to small claims court for hiding information and sharing false information thereby fraudulently affecting my credit which in turn could cause any number of negative affects over years, just because you guys refuse to tell me what " lack of recent installment loan information '' means when I do n't in fact have an installment loan
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY (NJ)

I am enrolled in overdraft services. I realize that I agreed to pay the fees involved. However, it seems to me that the fees I have paid over last 6+ months are not justified and in my opinion disgusting because they are taking advantage of my weakness and making my problem worse. The total overdraft fees since XXXX 2019 is {$4300.00}. In past years it was similar experience and I would complain sometimes and get a refund - usually a small fraction of what I paid in fees. Lately, I contacted my local manager XXXX  by phone than via email on XX/XX/2019 - XXXX XXXX XXXX store manager at the XXXX, NJ TD Bank - and have been all but ignored and I really can not afford their fees. I tried emailing again on XX/XX/XXXX and XXXX without response. 

Often, the fees are what cause my account to be overdrawn and then more fees are taken whenever something goes thru. For example, right now my account balance is - {$1100.00} and the fees I have paid in the 2 weeks between XX/XX/XXXX and XX/XX/XXXX totalled {$630.00}. 

Also, if I go to ATM, often the bank will not authorize one large withdrawl. I will be forced to do 2 transactions which cause more fees.
Consumer complaint received 2021-07-21
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. (AZ)

I have submitted three different disputes with TransUnion regarding my XXXX motor account being closed. It's been closed for over a year now. Recently with credit repair services they caused this account to open on my credit report again. I informed TransUnion that this information is not correct and that the payment history does not even show on my report nor is the dates correct. They keep stating the verification is correct and have not changed anything regarding the account. I talked to TransUnion through chat and asked how far back are they able to track reports because they should be able to see this account was closed and was just recently reopened as if I have a new loan. TransUnion said they aren't able to do anything about it and that I had to contact XXXX. Which doesn't make sense being they are the bureau. I asked if its legal to open the account after being close and they said no it is not legal to do so. So now I'm reporting this because I'm lost to what to do.
Consumer complaint received 2021-04-14
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. (NC)

It appears that Experian and XXXX XXXX XXXX have no shame and are clearly illiterate. Experian 's initial response XXXX Report number XXXX XXXX to my prior complaint is filled with inaccuracies and personal information that does not belong to me. Going forward I am not going to do their job for them ; I expect true due diligence from Experian. 

Even if XXXX XXXX certified the information is correct ( it isn't ), a quick look at the remainder of my file would reveal that it is replete with information about another individual, XXXX XXXX XXXX, in the personal information section. 

This sad pathetic circle XXXX  engaged in by these two companies has to be resolved by them first before I begin to dispute every XXXX item that is incorrect and illegally reveals another 's personal information to me. 

Here 's my suggestion. Figure out what information belongs to XXXX XXXX XXXX and his spouse, separate it from XXXX XXXX XXXX XXXX 's information and then submit that to both parties for verification. You owe us nothing less.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2021-07-21
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: AVANTE (GA)

AVANTE USA ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Consumer complaint received 2021-05-10
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. (FL)

To whom it may concern ; I found an item on the report that is inaccurate. which I Did not Authorize Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
thank you
Consumer complaint received 2019-03-12
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: Experian Information Solutions Inc. (WI)

This debt was included in a amortization of debt. We filed inXX/XX/2018 And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
Consumer complaint received 2018-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

A purchase was made with our Discover card for a kit which was advertised by the merchant, XXXX XXXX XXXX, as fitting our XXXX XXXX XXXX XXXX. The kit was delivered by the merchant approximately six months after the purchase was made. We then went to our body shop for the installation of the body kit and other repairs, we were advised that this kit did not fit our vehicle. This was not the first time our shop had attempted to fit kits sold by this merchant, which did not fit. We took our brand new, unused and unusable kit to the merchant to return the defective item and requested a refund on Discover Card. The merchant flatly refused to take the item back ( mind you, the item is still brand new because it could not be used because it did not fit ) ; the item is defective and still new. 

We wrote to Discover on XX/XX/XXXX to dispute this item, we provided them with a narrative of what occurred and provided a copy of the estimate from our body shop wherein they had clearly stated that the kit did not fit. 

Discover states they completed their " investigation '' and are not resolving my dispute with this merchant. They stated that If I " find new information that I have not shared ( proof the Merchant is willing to issue a partial or full credit ) regarding this transaction, '' they will work with me. 

My Dearest CFPB, if I was being offered a partial or full credit, why would I be seeking Discover 's help in this? Does Discover 's request not appear irrational and non-sensical? I reached out to Discover for their help in crediting my purchase as this item is defective, sold not as advertised, which is that it fits the body of our XXXX XXXX XXXX XXXX. It does not. 

The merchant does not want to work with us to credit our card in exchange for the return of the item, which is unused due to it being unusable. Discover is not assisting us with this issue. 

Please help. We want this item credited as it is an defective item which cost {$2200.00} which is a substantial amount. 

Thank you.
Consumer complaint received 2019-08-30
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. (GA)

Hi Reviewing Transunion credit report dated XX/XX/XXXX. I saw where Third party supplemental information was listed and has been since XX/XX/XXXX also listing over 30 items that are county records and federal records. these keep me from getting apartments and losing applications fees also high interest on vehicle loan. I filed a chapter XXXX and XXXX both was discharged. the XXXX discharged in XX/XX/XXXX, They even have a home I brought and paid cash for in XX/XX/XXXX listed on the back with Total lan Mass in square feet, Assessed land value, total improvement value, Market improvement value, Home equity, and others stuff that has NO business on my credit report. 

I applied for a car in XXXX Illonois at XXXX XXXX on that day and was approve and had to return car. XXXX XXXX XXXX XXXX is listed as requested ..They use XXXX XXXX XXXX XXXX  in XXXX NY . They also used XXXX XXXX XXXX Texas XXXX, XXXX This is uncause for and violating my rights and should be fine. I am XXXX and had paid out money and it was nonrefundable.
Consumer complaint received 2022-12-16
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Law Offices of Mitchell D. Bluhm & Associates (IL)

See at the hospital and my medical insurance was not submitted. The credit collector put the information on my credit instead. I called to as how do I have my insurance company pay for the medical debit but they couldn't refer me to the department to get the matter resolved. 
They have sold my medical information to other companies and it just keeps showing up on my credit under different company names but they won't provide me with the information to have the matter resolved.
Consumer complaint received 2021-07-21
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: Santander Consumer USA Holdings Inc. (FL)

CHRYSLRCAP Account Number : XXXX This is not mine. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2021-07-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

This is a mortgage loan serviced by XXXX/Loancare. I am required to maintain an escrow account to pay for property taxes and homeowner 's insurance. The homeowner 's insurance is billed directly to XXXX/Loancare. When contacting XXXX/Loancare by phone, customer service agents claim that it was never received. Between multiple conversations with customer service agents, I have submitted the invoice electronically 4 separate times. Payment is due now and XXXX/Loancare claims that the invoice can not be paid until such time that there is an invoice to pay from. Please be clear that XXXX/Loancare has received this documentation 5 times during the past 6 weeks. This has happened in the past and XXXX/Loancare adds very expensive insurance to my mortgage claiming that I as the homeowner has allowed the insurance to lapse.
Consumer complaint received 2024-03-05
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. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (TX)

This was happened on Last Wednesday XX/XX/2022. PNC Bank has blocked/hold my wire account but main acocunt still shows available balance. Available balace shows XXXX since I went to branch try to get a cashier check. I was trying to fix the issue with my banker since last Friday after XXXX, and I called many times to customer services. No one knows what's going on untill teller told me yesterday, my receiving has a hold that to hold my whole account. 

All the transactions is familiar accounts from my familiar customers. Account has been hold/freeze without ANY NOTICE!! I did nothing wrong about my business!!!!! 

The situation is, because hold/freeze my account/money that effective my business and operating noiw
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2019, i made two purchases in XXXX at XXXX XXXX. When the charges were made temporary authorizations were placed on my account for {$2800.00} and {$40.00}. Two days later, today, the two charges posted permanently at {$2800.00} and {$40.00} which is higher than the amount originally authorized. The problem is the US dollar actually rose in value on the XXXX and remained at 1.121 on the XXXX and the XXXX when the charges posted. Barclays Mastercard in fact charged an old rate of 1.129 which caused the bottom line to increase by {$18.00}. For years this credit card company has maintained that the exchange rate in affect when the charge posts permanent is the rate that will be charged. So that when the US dollar is going down, they are allowed to charge more than the original authorization. However, now the US dollar has gotten stronger, they are charging an old rate that was not in effect on the day of the posting. In other words, they want their cake and to eat it too. This should not be allowed and is an abuse of their power of being a big bank that seems to create its rules as it deems solely beneficial to them. I want them to be required to follow their rules and return the over charge they did to me today of {$18.00} and I want the US government to investigate and penalize them for this abusive lending tactic as I am sure there are millions of Americans who have been taken advantage of by them.