davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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. (NC)

I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

About 2 months ago, I received a phone call from Portfolio Recovery Associates. The claimed that I owed XXXX XXXX about {$500.00} and they were attempting to collect the debt. The person on the phone then said that they couldn't do much since too much time had passed. She then said that if they restarted collections, this would " reset '' the debt and that XXXX XXXX could attempt to collect on it again. I said that I doubted that I owed XXXX XXXX any money and hung up. 

On XX/XX/XXXX, XXXX XXXX withdrew {$5.00} from my checking account without either my wife or my permission. Two days later I received a letter thanking me for setting up a repayment plan with them for the XXXX XXXX card, paying back a debt of about {$500.00}, {$5.00} at a time. 

I did NOT authorize this plan. I did not grant Portfolio Recovery Associates to draw off of our joint checking account. 

I did have an arrangement with them for another debt, which I paid off. I believe the accessed my account information from there.
Consumer complaint received 2019-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

NOT A DUPLICATE COMPLAINT I am a customer of Bank of America and a fraudulent transaction in the amount of {$100.00} was posted to my checking account on XX/XX/XXXX. I was not aware of that fraudulent transaction until I went to the branch on the same day to make a cash deposit in the amount of {$92.00} and noticed on my deposit receipt my available balance was showing - {$0.00}, so I went inside of the branch and the representative directed me to call Bank of America and file a dispute and he would return my {$92.00} cash, however that refund was not done by the branch representative. I spoke with XXXX on the phone and filed the dispute, however, Bank of America is holding my temporary credit in the amount of {$100.00}, stating that since I had other claims in the past, they are not going to credit my account on the regular timing until they finalize the investigation, that could take up to 60 days, instead of 2 days. I spoke with several representatives since XX/XX/XXXX which includes XXXX, XXXX, XXXX, XXXX and XXXX ( on XX/XX/XXXX and XX/XX/XXXX ) and on XX/XX/XXXX I spoke with XXXX, XXXX, XXXX, XXXX and XXXX XXXX, but nothing has been resolved and every time I call and a note is put on my account by a representative, the situation is becoming harder to resolve. I asked several times to speak to a manager about this situation, but all the representatives above have refused to transfer me to a manager. Yesterday when I spoke with Bank of America, I was asked to wait until today to have the transaction completely posted, since the transaction was still processing and I would receive a temporary credit for that dispute once it completed or dropped out of my account. Today the transaction is showing posted and I was advised by all the representatives I spoke with and XXXX XXXX that Bank of America is going to hold my temporary credit due to other disputes I filed in the past. I also spoke with XXXX in customer services, but she started to display some angry behavior on the phone as we started to talk, so I thanked her and ended my conversation with her immediately. Bank of America is disregarding that the {$100.00} fuel charge posted to my account on XX/XX/XXXX is a fraudulent transaction and not a merchant dispute and needs to be handled seriously and on a timely manner, since my funds are being held on the fraudulent transaction. I have been treated by Bank of America representatives with disrespect and unwillingness to resolve my issue.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP (LA)

I went to XXXX XXXX with some girlfriends who had the exact same problem as I am about to describe. Each time we took a cab that was supposed to be around {$20.00}, they charged around {$850.00}!! We called our credit card companies and the two girls I was with had no problem! The credit card company marked it as fraud and handled it. But I did not have the same experience. My US Bank card keeps insisting that it is a valid charge. What cab ride would cost {$850.00}??? I have three charges for transportation : {$920.00}, {$860.00} and {$840.00}. All charges were on XX/XX/18 and the three signatures do NOT match my signature. You can tell they obviously had my signature and tried to forge it. I can not tell you how many people I have spoken with at Cardmember Services - and how many HOURS I have been on hold!
Consumer complaint received 2019-09-24
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. (NC)

Hey I wanted to contact you all because I went to my bank to get a loan to help my brother by and get a car and they told me that I was not able to cosign for him. I don't know why I wouldn't and plus I have been with my bank for years since I was XXXX. My mom told me to look at my credit and there is some stuff on there that isn't mine XXXX XXXX XXXX XXXX XXXX , DPT ED/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 and there Is an account that don't even have a name but it's an account number XXXX. My mom told me to get in touch with police and FTC, I did both.
Consumer complaint received 2019-09-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cawley & Bergmann, LLP (CA)

On XX/XX/2019, the collection company Cawley & Bergmann engaged in deceptive practices when the company called me with a spoofed caller ID under the name " XXXX XXXX. '' I answered the call as I am local to XXXX XXXX 's headquarters and had reason to believe that the call could have been an opportunity for employment.
Consumer complaint received 2019-09-24
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. (GA)

I have notified the credit agencies about the following errors and disputes : XXXX is reporting my name as XXXX when my last name is XXXX XXXX is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX Experian is reporting incorrect address information : XXXX XXXX Ct, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX is reporting incorrect address information : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX Ct, XXXX, GA XXXX XXXX, Experian, and XXXX is reporting inaccurate late reportings from XXXX - XX/XX/XXXX for XXXX XXXX XXXX, Experian, and XXXX is reporting inaccurate 30 days late reportings in XX/XX/XXXX for GA 's Own XXXX XXXX, Experian, and XXXX  is reporting inaccurate 30 and 60 days late reportings in XXXX - XX/XX/XXXX for XXXX.
Consumer complaint received 2019-09-24
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. (NC)

I went to the bank to get a personal loan. I was told I didn't qualify for the loan. I was told It was because of my credit and I asked to see it. Here Is what is listed on my credit that Is not mine. XXXX, US DEP ED, XXXX XXXX, XXXX XXXX, XXXX, Afterwards I called the police and contacted FTC to see what was going on.
Consumer complaint received 2019-09-24
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. (PA)

I sent XXXX removal 41 inquiries of credit file. Called XXXX and spoken to an assistant for an hour. To date, company failed to remove inquires off credit file. Company continues to furnish improper information on credit file.
Consumer complaint received 2019-09-24
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. (MD)

XXXX XXXX XXXX has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( Equifax, XXXX, & XXXX ).
Consumer complaint received 2019-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (CO)

I immediately canceled my {$5000.00} funds transfer approximately 30 minutes after it was approved by Western Union ( and before dispersed by my bank ) on XX/XX/19 because it was going to take to long to process. I did this by phone and was told it had been canceled and it may take 7-10 days to receive my refund. I then received a confirmation email saying my transaction had been canceled and would be refunded. It is now over a MONTH later and I have not received my refund. I have called at least 4 times, talked to multiple people and EVERY TIME am told that whatever the issue was, it has been resolved and it will be refunded in 7-10 days. The most recent phone call was on XX/XX/19 ELEVEN business days ago. I have repeatedly asked for a confirmation number for this issue or some kind of confirmation that it has been resolved and they just say, no sorry we don't have a way to do that. 

I have also asked for names of the agent I am talking to and am only given 4 letter first names. The last person I talked to also gave me her ID number, which I didn't know they had since the first several people had not offered that information. Also, mysteriously, my calls get dropped every single time I talk to them so that to get through to a person and to get through discussing an issue, I have to call back multiple times, start over multiple times, and talk to multiple different people. 

I was told at one point that the issue was I didn't answer a phone call about my cancellation. I don't know why I would need to discuss anything further if I had already discussed it in person with an agent, was told it was processed, and received a confirmation email saying it was canceled. I did receive another email after the missed phone call saying that because they couldn't reach me by phone, my transfer would be canceled and funds refunded ... great, sounds like what I had already done and was wanting ... yet still no refund and no explanation.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My home loan was transferred over to Mr. Cooper approx. 2 years ago. They are truly the most incompetent lender I have ever dealt with. 

This is the second time ( within months ) that they have claimed I don't have enough Flood Insurance, which I do & I've proven it each time. 
The first time they claimed this they took extra payments out of my personal checking account ( {$140.00} x4 ) this was done without warning or notice. After proving them wrong they finally realized their mistake and after months of frustrating phone calls & emails I was finally reimbursed {$560.00}. 

They are now doing the exact same thing again and its only been approx. 5 months since the last debacle and there has not been any change to my Flood Policy. ( After the first nightmare I canceled my automatic payment so they wouldnt take more than my loan payment ) They are now threating me saying Im behind in my payments, theyve also tacked on late fees and theyre ruining my perfect credit. Ive reached out the insurance department and they have informed me its their mistake, again but they have not done anything about it. 

This seems to be an ongoing scam by Mr. Cooper. They take your money and make it very difficult to get through to them. They have rude credit collectors calling me daily. I have never missed a loan payment & I have a credit score of at least 780.
Consumer complaint received 2023-04-04
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. (OH)

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 XXXXXXXX I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WA)

On XX/XX/XXXX, I was contacted by the Citi fraud department because they detected fraudulent charges on my account. I reviewed all of the charges made that day and confirmed the charges they flagged were fraudulent, including : - XXXX, XXXX, for {$1300.00} - XXXX XXXX, XXXX, for {$1900.00} - XXXX XXXX, XXXX, for {$3200.00} - XXXX XXXX, XXXX, for {$3400.00} - XXXX XXXX XXXX, XXXX, for {$4200.00} They refunded the charges while they conducted an investigation. I had my credit card in my possession, so they cancelled the card and issued a new one. I talked to their fraud department two more times and answered all of their questions for the investigation. 

I didn't hear any updates until I saw the charges from XXXX, XXXX, XXXX XXXX and XXXX back on my XX/XX/XXXX statement ( attachment 1 ). I had been traveling for two months out of the country and have my account on auto-pay so hadn't really been watching closely. I called customer service to ask why those charges were back on my account. The customer service representative said they might have mailed something to me, so while on hold I checked my mail from Citi and found a letter from them saying they were not refunding the charges because I had the card in my possession ( attachment 2 ). 

When I was connected to the fraud department they reiterated the information in the letter. I told them that the charges were definitely fraudulent and reminded them that they were flagged by their own fraud department, and the representative said that she would reopen the case but that, " They likely won't refund the money since I had the card in my possession. '' This was very frustrating since it's more than {$12000.00} in fraudulent charges! I live in XXXX and the charges were made in the surrounding areas. I don't know if they have the timestamps for the other charges or if they have reached out to those vendors, but I also made charges in XXXX that morning on the same card. It's not possible to be two places at once. I also rent an apartment, and if they compared these charges to my usual activity they would see that I have no use for tens of thousands of dollars of building supplies. Oddly, they did find the charge from XXXX fraudulent and took that charge off my account. 

I filed a police report with the City of XXXX and the case number is XXXX ( attachment 3 ). 

I am hoping you can help. This is a very frustrating situation, and I am not confident that Citi is willing to help me.
Consumer complaint received 2019-09-24
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: MicroBilt / PRBC (formerly CL Verify) (OH)

THIS INQUIRY SHOWED ON MY CREDIT REPORT AND I DID NOT AUTHORIZE ANYONE TO PULL MY REPORT. MY REPORT HAVE A CREDIT FREEZE LOCK. SO I AMAZES ME HOW THEY COULD HAVE MAY AND INQUIRY OR GIVING ACCESS TO MY REPORT. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-09-24
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)

XXXX is not allowing my mortgage company to pull my report. XXXX provides the, with error XXXX. I report this to XXXX and they in turn tell me nothing is wrong while not giving an excuse as to what the error is. 

This is preventing me from getting my mortgage and closing on my house.
Consumer complaint received 2023-04-05
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. (SC)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX  account # XXXX  have 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 states : A consumer reporting agency can not furnish an 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 items of information other, than records of conviction of crimes which antedates the report by more than seven years.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my XXXX  shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from XXXX, but used an XXXX  pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Allegiant Capital Recovery LLC (TX)

I received a call at my place of employment XX/XX/XXXX @ XXXX pm from a spoofed number ; XXXX left a message to call XXXX. When I called the number back to obtain an address he refused to provide the address and escalated the call. The lady that came to the phone asked why I wanted the address and I advised I wanted to send a cease and desist letter. She refused to give me the address unless I gave her my name. Based on the company name of ( Allegiant ) I was given by XXXX they are possibly located in New York which means they spoofed their number by using a fake number in my local area ( XXXX ).
Consumer complaint received 2019-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (GA)

I continue to receive notices regarding a toll violation/fees owed. I have no knowledge of this debt and never received information on a way to dispute this debt. The company continues to report negatively on my credit after several attempts to have removed from credit report and continues to be placed back on report. I believe this debt is fraudulent and have no knowledge of where this debt came from and company their acting on behalf.
Consumer complaint received 2023-02-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Affirm Holdings, Inc (NY)

I am a XXXX merchant. I allow customers to use XXXX XXXX Installments ( which is run by Affirm ) so they can break up payments. On Monday, XX/XX/2023, I received a payout email confirming that my payment for the recent order was being sent to my bank account. The customer that placed this order used XXXX XXXX Installments. I should have received the payout the next day but I never got it. I confirmed with my bank that there were no payment attempts made by XXXX. I have tried to resolve this several times with XXXX support team. I also made complaints to Affirm since they are the ones that are responsible for this payout. I still never received my money and I have no answers on when I will. Several other XXXX merchants that I have spoken with Ive had the same issue with XXXX XXXX Installments around the same time as me.
Consumer complaint received 2019-05-02
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. (NC)

The information reporting does not belong to me. It needs to be deleted immediately. 

XXXX XXXX in the amount of {$520.00} from XX/XX/2011 XXXX XXXX Acct # XXXX These accounts do not belong to me. I have reported this as fraud many times. If it is not removed from my account I will be filing suit.
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (AZ)

We moved to Arizona and was not made aware of debt from XXXX XXXX. I am trying to refinance my mortgage and just found the collection on my credit report which I promptly paid. I work all day and am unable to call the company to get debt removed myself. When my wife called they refused to help her get the debt removed from my credit reports.