davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-20
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. (GA)

See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (TX)

Dear Experian, To whom it may concern, This account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this neglect in assuring everything in my report is accurate, consistent and up to date please DELETE this item immediately. 
Account : XXXX XXXX ( XXXX ) Please delete this account immediately and please mail the updated changes when deletions are made.
Consumer complaint received 2023-08-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (CO)

XX/XX/XXXX 3 Transaction were attempted with Wise-LTD TRNWISE XXXX XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX XXXX with Transaction ID XXXX I Reached out to their Customer Service at XXXX XXXX XXXX XXXX XXXX  Thier Email is Appeals @ wise.com I was Told that I would Recieve My Funds After Cancelling a International Money Transfer ; due to Frustrations with the Service, My account was Subsequently closed and then i was out XXXX XXXX  i Reached out to XXXX  and explained My Parameters. 

My appeal was Closed without any Explanation and The Customer Service Department had a Hand in Covering up This Instance of Fraud. 


I am a Retired XXXX  and I was Sending Money to My Family Back in XXXX and I am Astonished with the Fraudulent activity that occurred to me
Consumer complaint received 2018-02-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX I received a used auto loan from Capital One Auto Finance for {$24000.00}. As I set up my account with the representative using the capital one 360 account I made a payment online which I thought went through, but unbeknownst to me there was a error and the processing which triggered a string of late payments. These were not knowledge to me as I just started to pay through XXXX to have validation. 

In XX/XX/XXXX I paid off the loan in full. As I checked my credit report through all 3 bureaus to make sure that it has been completed as paid I found that these months of reporting along with a repossession were on 1 out of 3 reports. At the time of me paying it off and it full it showed that it had been paid on time for the last 2 years prior to such after everything got sorted out. In addition, once it was paid in full there was a significant amount of time before the title was received. I have not had the most pleasant experience dealing with Capital one auto from a customer service standpoint and hopefully the resolution will change that.
Consumer complaint received 2022-07-12
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. (OR)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, on my credit report are a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-10-17
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: Experian Information Solutions Inc. (TX)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX  XXXX XXXX XXXX : {$2400.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4000.00} ; XXXX XXXX XXXX XXXX XXXX : {$9000.00}
Consumer complaint received 2022-10-17
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: Fidelity National Information Services, Inc. (FNIS) (MS)

XXXX XXXX XXXX XXXX XXXX of XXXX Mississippi employee XXXX XXXX ran my credit report and I didnt not authorize it and they still have not taken the steps to remove this unauthorized inquiry
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Delta Management Associates, Inc. (NY)

Please be advised that XXXX XXXX ( XXXX ) of Delta Management Associates is constantly conducting harassing phone calls to my cell phone, my immediate family members and my distant relatives. 

XXXX and Delta Management even sent a text to my cell phone from a XXXX ( whom I do not know ) of XXXX indicating that she and I are longtime lost friends and XXXX just happened to call her in an attempt to make contact. 

I have respectfully requested that Delta Management Associates CEASE AND DESIST, the Harassing Calls, Immediately. 

Delta Management XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Ma. XXXX
Consumer complaint received 2019-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit & Collection Corporation (TX)

I was called on XX/XX/19 and the caller would not identify themselves from the company name or any info regarding the call. the first call was at XXXX p.m. When they called back and I told them to stop calling the lady told me XXXX XXXX listen to your voicemail. She then called back and said we are proceeding with your case I was called at XXXX, XXXX XXXX, XXXX, XXXX, XXXX and finally at XXXX p.m. pm I have call records that can show these calls. My voicemail stated : I have a claim number XXXX and I have been officially notified to contact XXXX, that I am being granted the opportunity to contact the firm handling this so I can discuss the matter. Again no company name. The lady then proceeded to call my aunt and state that I had XXXX minutes to call her back because I did not show up for a court case I was summoned to and then changed her story to say I knew what it was in regards to and I was being sued for collections. The latest message today XX/XX/19 states that I know what the call is in regards to and I need to call the XXXX number which when I call back states it is Global Incorporated and I do not know if they are legitimate. According to consumer affairs they are out of business. However today again I was called XXXX am twice hung up and called back immediately left voice mail at XXXX and then called back the third time at XXXX am. Telephone harassment occurs when someone intends to annoy, harass, or threaten you by : ... making a telephone call without identifying onesself. making repeated telephone calls where the conversation consists only of harassment, or. making a telephone call and using heavy breathing or silence with an intent to intimidate. That is exactly what is happening here, a legitimate company should not curse and threaten you. I called them back several times and they continued each time I called them to ask them who and what they were they hung on me each time. The third time I called I was told XXXX XXXX you are not allowed to repeadetly call us and I will be served and she hung up on me. AGAIN, if you are legitimate and you see me calling why are you not answering who you are. Why would I give out any information to a company who will NOT state who and WHAT they are.
Consumer complaint received 2024-03-05
Product: Credit reporting 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 recently received a copy of my credit reports, and I noticed several inaccurate accounts and discrepancies that are showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are allegedly listed as being DELINQUENT and/or NEGATIVE, and they are negatively affecting my credit file. I have submitted several complaints to the FTC and CFPB regarding these matters. I am also a victim of identity theft and I have submitted all necessary documentation to support this issue with each bureau. 
I am not liable for these accounts. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX show payment and active dates that are inaccurate for ALL bureaus. This information is inaccurate and has not been verified with any documentation to support its status. I have not been notified and it has been BEYOND 30 days for these inaccuracies to be resolved. THESE ACCOUNTS MUST BE DELETED! 
The bureaus are in clear violation of the law. 
First, 15 U.S.C. 1681A states that I have a right to privacy.

Second, 15 U.S.C. 1681B states that a consumer reporting agency can NOT furnish an account without MY written instructions.

Third, this is a violation of 15 U.S.C. 1681i ( 5 ) - Removal of Inaccurate/Invalidated credit information. ALL LISTED ACCOUNTS ARE REFLECTING INACCURATE AND INVALIDATED INFORMATION!

ITEMS HAVE BEEN DELETED AND READDED TO MY CREDIT FILE, AND THIS IS ILLEGAL! YOU CAN NOT DELETE AN ITEM AND ADD IT BACK ONCE IT IS DELETED FROM A CREDIT REPORT!

YOU ARE ALSO VIOLATING FCRA SECTION 609 ( A ) ( 1 ) AND SECTION 623 ( A ) ( 5 ) - YOU HAVE NOT PROVIDED ACCURATE DATES OF DELINQUENCY ON THE CHARGE OFF/COLLECTIONS AND THE YOU HAVE ILLEGALLY REAGED THESE ACCOUNTS. ILLEGAL REAGING IS A VIOLATION AND IS ILLEGAL UNDER THE FCRA
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2023-08-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

XXXX XX/XX/2023, I contacted Wells Fargo to request they send me a check for my credit balance of {$2300.00}. They said that was not a problem, and I would receive the check in about XXXX weeks. 

As of today, XX/XX/XXXX, I have called them MULTIPLE TIMES with no luck. THEY STILL HAVE MY {$2300.00}. 

The keep saying they sent a check on XX/XX/XXXX, but I do not believe them. I receive my statements from them, and yesterday I received a letter from them telling me they sent me a check, which they did NOT. 

I keep calling and now it's almost XXXX months and they still have my money. Today, they told me I have to complete a form to verify that I did not already receive the check! They will not put a stop payment on their check and issue a new one until I verify with them that I didn't receive the check AND FIND A NOTARY, PAY FOR A NOTARY AND RETURN THE FORM TO THEM. 

We all know it's ridiculously easy to find out if a check has been cashed. It's just another delay tactic for them, and they could care less that I don't have my money. 

For me, {$2300.00} IS A LOT OF MONEY. I NEED THAT MONEY AND I DON'T BELIEVE I WILL EVER RECEIVE IT. 

TODAY, THEY EMAILED ME AN AFFADAVIT THEY WANT ME TO COMPLETE WITH ALL THE INFO FROM THE CHECK THAT I NEVER RECEIVED. HOW AM I SUPPOSED TO DO THAT? THEN, THEY WANT ME TO PAY FOR AND GO TO A NOTARY AND HAVE IT NOTARIZED. I TOLD THEM TO GO TO XXXX. 

PLEASE HELP ME GET MY MONEY. 

Thank you, XXXX XXXX
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (AL)

I did an instant transfer from my Paypal account to my checking account in the amount of {$140.00} on XX/XX/2019 at XXXX XXXX CST. PayPal assessed a 1 % ( {$1.00} ) out of the {$140.00} transfer, so the actual amount going to my local bank account was {$130.00}. I received an email from PayPal at XXXX XXXX CST on XX/XX/2019 staying the below : - - - - - - - - - You transferred money to your bank You transferred {$130.00} USD to your XXXX XXXX, XXXX. You used the Instant Transfer option, so the money should be in your bank account and available now. 
Transfer details Transaction ID : XXXX XX/XX/2019 Total amount transferred {$130.00} USD Fee {$1.00} USD - - - - - - - - - It is now XXXX XXXX CST on XX/XX/2019 and the money has not hit my bank account. I have spoken to banks transfer department and have been advised there is not a pending payment on my account nor is there anything blocking it from coming to my account. 

I have spoken with XXXX, a manager, at PayPal and he advised me that this is going to take 3-5 days and that this is a federally regulated. PayPal charged a 1 % fee for a service that has not been provided.
Consumer complaint received 2019-04-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (IL)

Instead of help lowering my monthly payment, I was offered forbearance after forbearance instead. When trying to pay on my loan, the website doesnt recognize my user name and after trying to retrieve it via email several times, I never received an email about resetting my user name or password.
Consumer complaint received 2023-07-25
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-11-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (AZ)

Around XX/XX/XXXX my vehicle and debit card were stolen. The criminal withdrew over {$1500.00}. I froze my card and eventually reported it once I dealt with other things, stolen vehicle, moving, separation, single mom, etc. They refused to give me provisional credit, even though I was told I'd get one within 10 days. They denied my fraud claim and never told me. I called to check up on it and they asked for the police report ( never telling me it had been denied ). I followed up again and was told about it being denied. I had to send the police report again. I followed up and was told it was denied. I appealled it ( when i sent the police report the second time ) and requested the investigative evidence the fraud dept. used in their decision, and was ignored, but sent a letter denying it once again, only stating that " they found no error occurred ''. I spoke with many supervisors and even left a message with a supervisor 's supervisor and they never got back to me. No one will let me speak with the investigative fraud department. I just did an eMessage request for the details of the investigation AGAIN and have not heard back. I don't know what to do. I need my money back. I know who stole my car and card and she is a known shoptlifter and whatever other crimes she commits. The bank is Navy Federal Credit Union.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Payoff process — 
Company: AMERICAN EXPRESS COMPANY (MO)

our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (MA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AR)

On XX/XX/XXXX my bank, XXXX XXXX  XXXX XXXX, AR, overnighted a cashiers check to TD Auto Finance for the amount of {$32000.00}. The tracking number of XXXX shows that it was delivered on XX/XX/XXXX. Approximately XX/XX/XXXX I checked my online account and the payment hadnt been posted so I called to check on it. I was told to call back within the next XXXX days to check. I was told this every few days over the course of XXXX weeks. At the end of week XXXX I started pressing harder when I called because I was tired of the runaround. I provided all of the information requested ( MULTIPLE TIMES ) such as the tracking number and address it was delivered to. I was told more than once a ticket would be opened with the payment department and it would be investigated. It has now been over XXXX weeks since the payment was received. My payment is overdue ( it was due on XX/XX/XXXX ) and the payoff amount is well past the ten day payoff quote that was sent. Im also afraid its going to affect my credit score. I need to be in touch with someone who can handle this and quit giving us the runaround about losing our payment.
Consumer complaint received 2023-08-22
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. (VA)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2018-04-20
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. (NY)

XX/XX/XXXX I opened a dispute with Experian and the other credit reporting bureaus for an account that was settled and paid with payment agreement. The balance owed was 1000 dollars more than my credit line. The account was apparently charged off. I sent settlement papers with the settlement amount and my payments. The collection agency for the company ( XXXX XXXX ) dishonored their agreement and tried to collect the whole amount of the alleged debt. Disregarded our original agreement of settlement. All Experian updated was lower the balance charged off which is still in accurate because the balance charged off was {$3600.00} and not {$2600.00} XXXX is most likely going to follow the same suit. Experian has no interest in reporting fairly as clearly seen in its report. It has no acknowledge the account is settled with the 3rd party collector XXXX and reporting wrong amounts.