davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AP)

On Friday, at around XXXX XX/XX/2019, my brother from the XXXX sent {$500.00} thru Western Union. I as the receiver is currently stationed on a US Military Base in XXXX and expected to receive the funds in a few minutes after the payment was done. However, there were a series of confirmation that needed to be done from my brother 's side which he confirmed personally so the funds can be released. Initially, after calling Western Union customer service, we were told that the funds will be available in 61 minutes. So I let 61 minutes pass and at XXXX ( XXXX ) I called back Western Union to have the funds released. The person I talked to said that the funds are released. So I called the agent from XXXX XXXX where I am going to pick up the funds to check if the funds are available for pick up. The agent from the base said that his terminal is showing that the funds has been picked up with details saying the funds were released somewhere in XXXX, Colorado. It is now Monday noon here and I have not received the funds. My brother called for investigation and now, he was told to wait another week for the result of the investigation. In the mean time, we still don't have the money that I needed urgently. I am very, very disappointed with Western Union 's service. It should have been money in minutes not money in a month.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

questions on the equifax site asked to verify my identity when completed the site tells me it can not confirm my identity. I have called them and confirmed but nothing was fixed i am under the impression that a credit card or loan was taken out in my name that i did not authorize. Is there anything that the CFPB can do for me in this case?
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I did two balance transfer on my credit card account one ending at XX/XX/2019 and other ending at XX/XX/2019. I paid completely the balance of transfer ending on XX/XX/2019 in XX/XX/2019 itself. However they allocate the payment towards the balance of XX/XX/2019 and change me interest of balance transfer ending on XX/XX/2019. My every statement shows that I have two balances ending on two dates. I paid my balance as per the statement. When I call and ask them why they are saying that the balance transfer ending on XX/XX/2019 was issued earlier, That's why they payment goes to that. This means when I transfer balance ending on XX/XX/XXXX, effectively my XXXX ending transfer has no meaning. If this is their rule they should have told me at the time of balance transfer and also on statements. As it wasn't done in either, BOA is charging interest without proper communication. I would like them to reimburse my interest for 4 months and also pay the penalty for their foul behavior. I have submitted the statements of XXXX and XXXX as supported documents. XXXX statement clearly shows two balance transfer and also payment for first balance transfer. XXXX statement shows the interest charged by them. Please let me know if you have any question. 

Thank you, XXXX
Consumer complaint received 2019-07-22
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I have not taken any action at this time yet as Im writing my complaint to you first 1.XXXX XXXX - {$0.00} XXXX 2.NISSAN MOTOR ACCEPTANCE - {$41000.00} XXXX 3.XXXX XXXX - {$4900.00} XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX - {$390.00} XXXX 6.XXXX XXXX XXXX - {$3700.00} XXXX 7. XXXX XXXX XXXX - {$370.00} XXXX 8.XXXX XXXX XXXX - {$3700.00} XXXX 9.XXXX XXXX XXXX - {$1000.00} XXXX
Consumer complaint received 2019-07-22
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)

There are two accounts on my credit report that do not belong to me. I was incarcerated during the time these accounts were open so they are identity theft. I complained with local authorities and the FTC. These 2 items must be removed immediately! 

1. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance 2. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$11000.00}
Consumer complaint received 2023-04-02
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. (AL)

I have account removed but there still have the late payment on there..the law states.. 15 U.S.C 1666b A creditor May not treat a payment on a credit card account on a open end consumer credit plan as late for any reason
Consumer complaint received 2019-07-22
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. (GA)

The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities.

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX   for {$4600.00} opened XX/XX/XXXX 3 )  XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX  with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX
Consumer complaint received 2019-07-22
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)

The following accounts are reporting to my credit report in error. They must be removed immediately as they are the result of identity theft. I already filed a complaint with the FTC and local authorities. 

1 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 2 ) XXXX for {$4600.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX for {$490.00} opened XX/XX/XXXX 4 ) XXXX XXXX for {$100.00} opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX with {$0.00} Balance Opened XX/XX/XXXX 6 ) XXXX XXXX for {$520.00} Opened XX/XX/XXXX 7 ) XXXX XXXX XXXX for {$100.00} Opened XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I received a late payment on my auto loan ending in XXXX on my XXXX XXXX account for XX/XX/2024 but this auto loan was refinanced and paid off and closed in XXXXso how will be late in same month it was paid off ( see attachments ) and its on all XXXX credit bureaus. The account is from navy federal it was an auto loan for XXXX account ending in XXXX I owed XXXX they refinanced the loan which now ends in XXXX and I signed documents in XXXX. So how is it they marked me late for a loan that was refinanced in the same month Ill send both attachments to prove it. Also its listed as an Unsecured personal loan on XXXX which is incorrect it needs to be listed as an auto loan because thats what it is.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (PA)

I have requested Verification of several accounts or to be sent affidavit by the CEO, but the credit bureaus, seem not to have this requirement, and are allowing third parties to place detrimental information on my reports causing and inability to contract. Those people are thieves according to the Fair and Accurate Credit Transactions Act.
Consumer complaint received 2019-05-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

On XX/XX/2016 I feel and hit my head at work. I went to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl. XXXX # XXXX. 
The company I was working for XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl. XXXX. # XXXX. The company paid the hospital bill because it was a XXXX XXXX   claim, but they did not pay the doctor bill. The doctor bill is from XXXX XXXX XXXX at XXXX XXXX emergency billing department XXXX / XXXX. 

I have called XXXX. XXXX  numerous times and they tell me someone will call me back but they never do.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I used my credit card at a gas station on XX/XX/2019 to fill up my car. I must have dropped my credit card on the ground, resulting in someone finding it and using at that gas station for a {$15.00} purchase. Additionally, they then decided to use my credit card at XXXX across the street and made a purchase of {$400.00}. 

I noticed this via text alerts about 20 minutes later and immediately froze my card and contacted Capital One to let them know that a fraudulent transaction occurred and I had lost my card after checking my wallet. While talking to a representative, I said something along the lines of, " Should I contact the police ''? They quickly dismissed that and told me not to worry, as their fraud department will be diligent in acquiring evidence. 

Days later, I received a credit back to my account for the {$400.00} and they told me that an investigation is in process. On XX/XX/2019 I discovered that they reissued the charge of {$400.00} to my account and I called customer service to get to the bottom of it. They told me that after investigation, they did not find any fraudulent activity, so they would not give my credit back for the purchase I did not make, even though on the website, it says customers have zero liability for any fraudulent transactions. 

I feel as though Capital One did not dilligently research the fraudulent activity, as I was swift to take action and report the crime. Additionally, they specifically told me not to contact authorities, which after talking to many people, it seems unethical. I am now forced to file a police report so that they can prove that there was, in fact, fraudulent activity.
Consumer complaint received 2019-07-22
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. (PA)

The account listed below does not belong to me. I was XXXX in federal prison during the time that this account was opened. My federal prison # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016
Consumer complaint received 2019-07-22
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)

The account listed below does not belong to me. I was XXXX in XXXX XXXX during the time that this account was opened. My XXXX XXXX XXXX XXXX  XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX XXXX Balance : {$7800.00} Date Opened : XX/XX/2016
Consumer complaint received 2018-08-07
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. (MO)

I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded.

Creditor 1 - 09 XXXX  XXXX Unverified Account, Creditor 2- XXXX XXXX XXXX XXXX , Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX & XXXX XXXX Unverified Account, Creditor 5 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 06 - XXXX XXXX Unverified Account, Creditor 7 - XXXX Unverified Account, Creditor 8 - XXXX XXXX Unverified Account, Creditor 9 - XXXX XXXX XXXX Unverified Account
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (OR)

I took 3 loans each for {$5000.00}, {$2500.00} Interest paid {$2500.00} interest not paid from Wells Fargo, starting in XXXX. I got a good job in XXXX for XXXX XXXX 's and I began to pay on the loan I paid {$500.00} every pay period for the next 5 years. Has nothing to do with it my daughter was killed in XXXX I got a call from Wells Fargo I told them I am glad you called I lost my job they said I need to make loan current so I paid {$320.00} over the phone, it was not for another 6 months I found out it was a company selling my loan to another and I also found out I owed {$10000.00} still!! Wells Fargo sold my loan to another company also and I was paying them so someone has ALOT of my money somewhere, I don't know what to do? 


Did research I think these are people who called pretending to be Wells Fargo Student Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Direct ) # XXXX
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST
Consumer complaint received 2018-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

REMOVE THE FRAUD ALERT I NEVER ASKED FOR NOR AUTHORIZED TO HAVE ADDED TO MY CREDIT FILES I HAVE BEEN REPEATEDLY IGNORED WHEN IVE ASKED THE BUREAUS TO REMOVE THE FRAUD ALERT ITS AN EXTENDED ONE FOR A MINIMUM OF 7 YEARS I NEVER EVER AGREED TO THAT I NEVER WANTED A FRAUD ALERT PLACED ON MY FILE I ALSO WAS NOT EVEN NOTIFIED BY LETTER I ONLY SAW IT WHEN I GOT MY ANNUAL REPORT THAT WAS THE FIRST I HAD EVEN KNOWN ABOUT THIS RIDICULOUS ALERT THAT WAS 2 MONTHS AGO IVE ASKED AND SUBMITTED THE PDF TO ALL 3 BUREAUS TO REMOVE AND HAVE BEEN IGNORED IN MY REQUEST
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Hello, On Monday XX/XX/18, I was told my new credit card account was closed. This was after discovering it went under periodic review XX/XX/18. 

I suspect this is because I wanted to pay my mortgage AT THE CHASE BANK and instead of charging the card a representative attempted to do a cash advance of over {$4000.00}. 

This was not my fault and I feel cheated that I lost my card over a rep messed up. 

Please help me get this card re-instated. Im picky about my credit and this was not a simple decision.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (CA)

XX/XX/2019, I paid approx. half pay to mortgage of XXXX because my wife had messed with our living budgets so I paid them then XX/XX/2019 I called M and T bank for amount of owe the half to my mortgage for XX/XX/2019. I asked XXXX at his customer service about I want to pay full to mortgage on XX/XX/2019 thereon and plus {$130.00} till pay off the owe then back to normal mortgage payment. XXXX refused to my request and wanted me to pay full of XXXX because of M & T bank rule. I told him that I didn't have full payment but only I can afford {$130.00} for about approx. 4-5 months would be full paid with XXXX full amount payment this would be back to normal mortgage payment. XXXX and me were dispute. He asked me do we plan to sell our house. I said no, we don't sell my house as stay here for years. XXXX lied to me because he said he will check his bank weather or not approve my half payment may put in the end of maturity payment. So he wanted me to pay full about {$650.00} to paid on XXXX then I must pay full on XXXX. I told him I didn't have full pay because we are low income but I can do is {$130.00} payment with full payment. But XXXX lied to me because the next 3 or 5 day almost everybody at M & T bank called to my wife almost everyday about ask her for our house for sell she told them No! Almost everyday! for about 3 months that was no stop! Nobody took her NO! Our house is not for sale period! We did told M & T Bank we want to talk their supervisor they refused! Still they harassment us continually. I had been anxiety caused by my type XXXX XXXX because of their harassment! My wife has XXXX XXXX pain because of her pressure with this problem. We have proof our health conditions. about two or so the other bank which is XXXX XXXX manager XXXX XXXX XXXX We did answer it but it was not able to my mobile and, they hung up on my wife. We did not understand with their problem. We got another victims as some ads post cards sent us about sell our house. We still refuse to sell our house! We still not have any solves with these problems!
Consumer complaint received 2018-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lyons, Doughty & Veldhuis, PC (DE)

XXXX XXXX XXXX XXXX./XXXX CREDIT CARD XXXX BALANCE {$1400.00} this was disputed with creditor as Fraud months ago and as a result the account was removed from all my credit reporting agencies as a fraud account and was advised to cease and desist all collections. And now Lyons, Doughty & veldhuis is attempting to collect and sending me collection notice on a previous disputed Fraud account opened thru XXXXXXXX XXXX. This is in violation of my Consumer Protection for FDCPA and Advise this Collection Agency to Cease & Desist all Collections on this Fraud Debt.
Consumer complaint received 2023-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (GA)

My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.
Consumer complaint received 2019-07-22
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. (PA)

The account listed below does not belong to me. I was XXXX  in XXXX XXXX   during the time that this account was opened. My XXXX  XXXX # ID XXXX This account must be immediately removed from my credit. If not, I will file a lawsuit for defamation of character and reporting false information. 

Account : XXXX XXXX/XXXX XXXX XXXX : {$7800.00} Date Opened : XX/XX/2016
Consumer complaint received 2023-04-02
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX, and Transunion has a collection on my credit report that is not mine and they refuse to remove it. They are in violation of the ( FCRA ) Account not mine : XXXX XXXX XXXX ; Not Mine XXXX XXXX XXXX ; Not Mine