davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Commencing on or about XX/XX/2020, I fell victim to a multilayered recovery scam operation or- XXXX XX/XX/XXXXby a sophisticated con-artist named XXXX XXXX XXXX XXXX the Scammer ), masquerading as an XXXX  ( XX/XX/XXXXCoXXXX XXXX XXXX agent, who could help me to recover losses I had from fraudulent companies, with the sole purpose of robbing and defrauding innocent people. 

Money was transferred from my account via bank wire in the total amount of XXXX EUR utilizing their services. 

A self-called Mr XXXX XXXX XXXX person just called me in early XXXX offering to help me recover the money transferred to XXXX. He introduced himself as a friend of another person who contacted me before offering trading services and said that was a partner of XXXX - XXXX XXXX XXXX, a regulator in the XXXX and/or XXXX - XXXX XXXX XXXX, also a regulator at the XX/XX/XXXX XXXX. 
He said that was very experienced in recovering money deposited in non-regulated financial companies. 

After pushing me several times me to deposit money, I transferred XXXX EUR. He instructed me directly to open an account with their organization. We kept normal exchange of views until he called asking me to answer to a person called Mr. XXXX XXXX. And that indeed happened. 

To my surprise some week later I was again contacted by another person called XXXX XXXX talking, as he said, on behalf of Mr XXXX and asking additional XXXX EUR. The explanation was the same : he had the money ( XXXX EUR ) with him and to transfer it to my account he needed first to charge his fees XXXX XXXX EUR XXXX. 

As I called Mr XXXX, he said simply to comply with the demand. I did not and instead, start to doubt the seriousness of the proposals. Therefore, I sent a message to Mr XXXX asking him to honour his words, which had been complied with by me and did not have provisions for further transfers. 

I also contacted XX/XX/XXXX( XXXX regulator ) by phone and email asking whether they knew Mr XXXX XXXX. Actually, they said there is someone with that name but it is not allowed to do the recovering job. XXXX quite probably the name was hijacked ). You can search his name on the site of XXXX and or XXXX XXXX both XXXX XXXX. They also told me to file a complaint at the police and at the site Action Fraud. I realized that it was all a scam. 

I deposited various amounts of money to Mr XXXX and his co-conspirators. I am a senior citizen and I am seriously worried when I found this was a scam and I have lost my hard-earned monies to this scammer,
Consumer complaint received 2019-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (GA)

My name is XXXX XXXX, i've banked with Citibank for countless years. I've spent several weeks and countless hours trying to get to the bottom of the account this complaint is in reference to, the account number is XXXX. The account is a closed credit card opened XX/XX/XXXX and last active XX/XX/XXXX. I have received not one piece of mail regarding a remaining balance on this account and had no idea it was effecting my credit until I recently went to get a mortgage and a loan officer discovered it. It has been near impossible to get a hold of the department managing and collecting the debt. After several hours of phone calls on different days, I've finally gotten a hold of someone and they are essentially telling me they're unable to deliver any information on the account to me in writing. I've sent them a money order check for {$330.00} because that's what my credit report stated and now they're telling me it's short XXXX cents. 1. i never received in the past several years one piece of mail regarding this debt and what the balance is. 2. i mailed in a check for the amount listed on the credit report and they are now telling me over the phone that there is a XXXX cent balance remaining and I have to mail in another check to pay the balance - there is no other option. 3. they will not provide me with a written statement with the account information. I feel powerless and a slave to the bank and unable to resolve an issue that in hindering my ability to get a mortgage loan. All I want is a statement from the debt collector expressing who is collecting and the amount. I am been exercising every possible method I can to accomplish this and am completely frustrated and powerless. This is a bank that has my money and is effecting my credit score. The ID number of the individual that has attempted to help me is # XXXX.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KEYCORP (OR)

I filed a recent complaint against KeyBank on XX/XX/2021. ( refer to # XXXX ) I called to confirm the issue was taken care of. I was told by 2 different people at KeyBank that the issue was closed and I owed nothing. A couple months later I got another email saying I owed and was responsible. That I needed to call XXXX and XXXX  airlines to settle the issue! They couldn't contact XXXX  as they were a third party and they couldn't contact them directly. So I need to contact XXXX and get all transaction information. That is not my responsibility! that is the responsibility of my financial institution to do their job and take care of their clients! This is a fraud case! Money was taken from my account without my knowledge or authorization! AGAIN, I am filing a complaint to have KeyBank take responsibility for their lack of professionalism and settle this issue! I am not responsible for the fraud against me! I do not owe this money!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX writing to express my frustration and disappointment as it has come to my attention that, despite previous communication, I have not received the requested Affidavit of Truth from this company. This matter is of utmost importance, and the failure to provide this document is causing undue inconvenience. 
Unauthorized Reporting of Personal Data, your prompt attention to this matter and request a thorough investigation into the unauthorized reporting of my data. Additionally, I request that all inaccuracies be promptly corrected and that I am provided with a written explanation of the actions taken to rectify this situation. If this matter is not resolved satisfactorily within 30 days from the date of this statement, I reserve the right to pursue legal action to protect my rights under the FCRA. I hope it does not come to that, and your bureau takes the necessary steps to rectify this situation promptly. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PENTAGON FEDERAL CREDIT UNION (CA)

In XX/XX/2022 Pentagon Federal Creit Union changed their reporting of discharged accounts and then reinserted the accounts, re-aging the reporting. Their action now makes it appear as if a XXXX XXXX XXXX  bankruptcy is now from XXXX XXXX. Their action has caused me to be denied credit and to be offered credit erms that would cost thousands of dollars more than had they not illegally re-aged their reporting. Their action caused a decrease in my credit score of XXXX XXXX
Consumer complaint received 2018-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (LA)

Opened a credit card account with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Got laid off for a long time so i couldnt pay it. Last payment made was on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX sold the balance left {$2800.00} to XXXX XXXX XXXX on XX/XX/XXXX. I have received a few letters from them over the last couple of years stating the balance i owe, but as i have been laid off for almost 2 years total out of the last 3 years, i still could not pay it. I was served citation papers saying the were suing me today, XX/XX/XXXX, & i do not know what to do. I just recently started a new job with a new company & at this point i still can not afford to pay this bill. I do not want to be sued but i have no idea what i should do. Someone please help
Consumer complaint received 2021-02-18
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX I was scammed by a Wells Fargo member who also committed insurance fraud. I was tricked into purchasing fake insurance for a potential residential cleaning contract, which was also a scam. I was told since my LLC was less than 2 years old, the only way the company would issue the policy was for me to pay the down payment on the yearly premium which was {$1800.00}. After going through what was said to be underwriting, the rep came back and said the only way to get the policy issued was to pay the entire year upfront which required me to send another {$1800.00} via cashiers check and deposit the funds in what was supposed to be the CEOs account being there card system was down. Remind you, the contract was for {$160000.00} for 4 months. I have emails, recorded calls, a police report ect. After the funds was sent on XX/XX/XXXX, we had a scheduled meeting at the condominium that we were suppose to be cleaning at XXXX but no one showed up which raised a red flag. So after being put on the run around for the next 4 hours, we realized we were scammed unfortunately. After I filed the police report, I went straight to Wells Fargo where the money was deposited. They told me they were not taking walk ins and that I would have to schedule an appointment which I did. However, it was for a week later. On XX/XX/XXXX I decided to call Wells Fargo and see if I could get things done over the phone. I spoke with a rep there, provided him with everything that happened. He told me Wells Fargo would begin an investigation. Another 3 days went by without me hearing back from them so I decided to call back. This time I was told something completely different. I was told they had no record of the complaint I had previously submitted being it was not properly submitted. I had to go through everything again to be placed in a waiting pattern again. On XX/XX/XXXX it would have been a full month since the scam and I have yet to hear back from Wells Fargo. No one called me to request additional information regarding the scam, which I was also a advised. With this amount of time between the incident, the criminal will be long gone. I demand a full reimbursement of my {$3800.00}. Me and my wife had to miss work, waste gas and time, fees to get the cashiers check not to mention delayed on closing on our home being the {$3800.00} was part of the down payment and closing cost.
Consumer complaint received 2021-02-18
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. (NY)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (VA)

On XXXX XXXX, 2016 we went to XXXX XXXX XXXX of XXXX, located at XXXX XXXX XXXX. in XXXX VA XXXX to shop for mattresses. While discussing the pending sale, the owners/managers of the store offered that they had a financing option that would allow us to purchase the mattress set with 90 days same as cash. When asked about what would happen after the 90 days we were told that the bi-monthly payments of {$58.00} would continue until the bed was paid off. What they did not disclose is the fact that after that 90 days, financing the purchase with ACIMA/XXXX XXXX would double the price of the bed from {$730.00} to a total financed amount of {$1500.00} as the financing agreement called for the {$58.00} per month to be paid for 27 months. More calculating is the way this whole process worked. The " manager '' of the store had me provide the information necessary to determine if we would be " approved '' for the financing. Once they got the approval, a code was sent to my cell number to verify that I was who I said I was and it would be my way of electronically signing the finance documents. We were told that copies of the contract would be sent by mail and we were not given any documents to review that night. At no time was it disclosed prior to this electronic " signature '' that there would be a 100 % finance charge for not paying before the 90 day period was up. I am attaching a copy of the Financing Agreement that was provided to me by the company by request today, however, I again need to stress that we received NO copy of these documents at the time the sale was done, only later by mail. Today I called to get the balance owed on the account and was told that after making {$870.00} in payments, that I still owed almost as much as I had already paid. A quick search of the BBB complaints showed that ACIMA credit uses this blind method to take advantage of customers every day. Their methods are clearly deceptive and being in banking, I ca n't imagine that their practices are not in violation of UDAP or some other provision.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

EQUIFAXXXXX XXXXSTATUS SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) REMARKS SHOWS CHARGED OFF ACCOUNT ( SHOULD BE CHAPTER XXXX BANKRUPTCY ) ACCOUNT WAS INCLUDED IN CHPTER XXXX BANKRUPTCY FILED XX/XX/2105
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It's my understanding that FCRA 605B necessitates the elimination of any mistaken accounts from my credit report. Could you kindly review the documents? I've noticed inaccuracies in some of the listed accounts, which is causing me some discomfort.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

For many years now ( about XXXX ), creditors, like XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  and XXXX ( to name a few ) tell me that I have a credit/ fraud/ extended alert on my credit profile. 

Example- I applied for a XXXX  card recently towards the end of XX/XX/2021, and I received a hard inquiry ( as expected ), however, I then received a letter stating that I have an extended alert on my profile, specifically from Equifax XXXX and that they can not continue with my request. 

Unfortunately, this was an inquiry for nothing ... I've gathered so many inquiries with no result because lenders can't continue with a credit to open or update credit. 

Sometimes, some banks will ask me public records questions to proceed with my request, other times, they say they don't have the capacity ... 

This same thing happens when I ask banks for credit limit increases ... 

According to the lenders, the alert they receive from the bureau says that they need to contact me to verify my identity, but that I have no phone number on file. 

This happens with all three credit bureaus ( XXXX, equifax, and XXXX ), yet all three verify I have no such alert, and that my phone number and contact details are in fact listed on my report. 

My credit has suffered tremendously because I can't reach anyone who can help me with this. 

Today, XXXX XXXX, I've called all three bureaus again. I've written before, too. All three say I have no alert and that the lenders system is at fault. This can't be, as its multiple lenders!
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (CO)

OnXX/XX/XXXX I suspended my XXXX XXXX account due to an XXXX XXXX in XXXX XXXX ( Military ). Which I have XXXX XXXX XXXX XXXX.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by 1 digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
Consumer complaint received 2022-12-01
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. (WI)

I am very disappointed with transunion. I sent a request to investigate items accuracy on my report through letterstream I don't have the time to go to a postal service and this company is accusing me us using a credit repair company. When I am the one sending out my letters. I received the letter XX/XX/22. I know my rights as a consumer, I have studied consumer law. I know my rights I give the instructions on what they are to do according to federal law. Transunion is in violation making accusations. I am giving them the benefit of the doubt. 

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Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Just to give some base information : Our home Mortgage is through XXXX XXXX which is a brand name for XXXX XXXX XXXX. XXXX is who are bills are addressed from which is subserviced by XXXX. For several months we have had issues with the payments being applied incorrectly to the account. The issue continues to happen even as recently as XX/XX/year>. Our credit report pulled today shows issues with XXXX and XXXX payment. I called and spoke with XXXX at XXXX XXXX sharing our confusion and concern. I explained we have set up auto pay and our bank is showing the money was sent. She also confirmed she showed our payments current and the XXXX was received on XX/XX/year>. I will also attach a statement showing XXXX payment on XX/XX/year> and the movement of funds at XXXX. It also shows the removal of a late fee due to the payment being applied to the account incorrectly.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted dispute to you and I didnt get a response within 30 days, you all are required by law to do so. Please investigate. Thank you
Consumer complaint received 2024-03-06
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. (PA)

I have consistently ensured that payments on this account are made in a timely manner, preventing any instances of overdue payments. I'm uncertain about the reasons for the presence of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2022-03-14
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)

I got a notification on XX/XX/2022, that my score has dropped. So I immediately go check to see what it was. There was a missed payment on an account that is not mine. I disputed this account before and it was removed from my credit report. I didn't know it was added back to my report. Nothing was sent to me confirming this account was added back or even proof that this account belongs to me