davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-17
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. (IL)

I have repeatly call and written Transunion telling them that I do not work for XXXX XXXX a XXXX home. There is no XXXX, no Human Resources that will and can verifiy this lie. So I do not know how they keep saying verified. They keep constantly putting this information on my credit report.
Consumer complaint received 2018-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CT)

I was provided provisional credits in the amounts of XXXX and XXXX for disputed transactions in said amounts which occurred on XX/XX/31, XXXX XXXX. I have not heard the status of the dispute as of yet, however, in the event the credits are reversed, please advise XXXX I require proof of their investigation and info showing I received anything from the merchant.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (AZ)

I have contacted gm financial numerous times about incorrect information on my credit report that their company is responsible for reporting. GM FINANCIAL IS REPORTING FALSE AND inaccurate information to the credit bureaus. GM financial is in violation of the Fair credit reporting act.
Consumer complaint received 2021-11-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my Experian report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my Experian report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX Experian - XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: F.H. Cann & Associates, Inc. (NY)

I WAS CALLED BY THE HR DEPARTMENT OF THE COMPANY I WORK FOR AND THEY TOLD ME THAT A WOMAN NAMED XXXX XXXX WAS LOOKING FOR ME, AND GAVE ME A NUMBER TO CONTACT HER AT. I CALLED THE NUMBER AND FOUND OUT SHE WAS A DEBT COLLECTOR FROM XXXX XXXX.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

Claim : Defamation of Character Wakefield and Associates have injured me by placing a collection account on my consumer reports without giving written proof that I owe them a debt which is a violation of 15 U.S. Code 1692e. 

No contract provided with my wet signature No forward flow agreement provided No aggregate value provided No invoice was provided for the sale of the alleged debt No proof that they bought any debt This is fraud
Consumer complaint received 2021-11-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: MODERN FINANCE COMPANY (CA)

Yesterday Friday XX/XX/2021 I came into the financial office were they email me the address so I can come in and do payment arrangement on my car they repo from my apartments. I came in and they said my total was XXXX and I said u know what I don't have it complete I can give half then on Tuesday the other half he said and your payment its coming up as well on the XXXX of XXXX so he said so your total comes down to XXXX and I said ill give {$700.00} now and Tuesday remaining balance he said ok thats fine. I pay {$100.00} in cash the other {$100.00} with my debit card and {$500.00} with my XXXX XXXX when the girl that was charging says we don't get XXXX XXXX and I said is there an atm around she said no but u can do the Payment thru XXXX XXXX let me send u the link and I said ok ill do that. Today sat I'm trying to pay online the {$500.00} and they took access from me to do payments online. So I don't know what there were trying to do with fixing payment arrangement and I'm trying to pay and I don't have access no more to my account. I don't know if he was trying to get the money and still take my car away. But I need my car im doing the best to get everything there charging and they taking other actions
Consumer complaint received 2024-04-05
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MO)

ISSUE # 1 I called my BestBuy Citi to make a payment on a non promotional balance and the representative advised me a different amount than the purchase amount. I asked him why is the amount higher, he advised me it was due to a promotional balance that was not paid off in time and left some balance of around XXXX dollars. I advised I was making more than the advertised amount per month to payoff the balance within 12 month ( which is the 0.00 % period ). I asked for a payments history and the agent we do not provide history from XX/XX/XXXX. I asked him to send me the statements electronically he said no. They have to be mailed. 

ISSUE # XXXX Citi seems to be hiding the non promotional balances online. When you try to make a payment it should allow you to target payments to a specific promotion if you have multiple or non promotional balance due. If you want to make a payment, you can pay total amount, minimum payment, other amount. Why is it not showing the break down of the promotion non promotional balance? What if I wan na pay towards sonething specific. Please note all this when I have auto pay pulling so it not interfering with the regular monthly payments. This information should be accessible on the web. 

ISSUE # 3 If I have a remaining balance since XXXX of XXXX for XXXX some dollars and I pay XXXX dollars every month since XXXX of XXXX how Im I accruing interest on a remaining XXXX or XXXX or even XXXX dollars? Shouldn't payments apply to outstanding interest first?
Consumer complaint received 2020-02-11
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX  XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

I submitted a bill pay on Navy Federal were they mail the updated the account for with confirmation number and paid XXXX call me stating that did not pay the check then I did the up the system that it was paid and did not pay it. Did they update their banking system with fraud and misleading information and then want to hold the member responsible for the misconduct Navy Federal Credit Union need to be investigated and all misconduct and management done staff or management should be convict according to United States Federal Regulations
Consumer complaint received 2019-11-21
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)

I previously submitted a dispute for XXXX on my XXXX  report and they reported it as correct however it is not. They continue to report a late payment each month even though the account is closed. XXXX  refuses to allow me to submit a new dispute even though they are reporting it wrong and it is seriously affecting my credit. Dates of previos payments and total due are wrong XX/XX/XXXX XXXX   XXXX XXXX Web ID : XXXX {$430.00} XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX {$430.00} This was reported as a charge of in XXXX with a balance of {$14000.00}. Then the amount increased after the charge off was reported XXXX XX/XX/XXXX XXXX XXXX XXXX Web ID : XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX TX Card XXXX XXXX XX/XX/XXXX Card Purchase XX/XX/XXXX XXXX XXXX XXXX TX Card XXXX XXXX This company has several lawsuits pending for unlawful
Consumer complaint received 2021-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: U.S. BANCORP (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-11-13
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: Self Financial Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2024-04-05
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

I received my first call from XXXX XXXX from Genesis Debt Collections with a voicemail on XX/XX/2024 then again on XX/XX/2024 after I contacted them to see what the debt was for, after being told that it was a debt of {$1800.00} and that it was from XXXX Apartments I told him I wasnt going to pay because it was a wrongful charge from a spiteful landlord. I have then received XXXX calls from XXXX XXXX from Genesis Debt Collections since then. Those dates are XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024.
Consumer complaint received 2022-05-19
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (TX)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I had been with paypal for few months using it solely for Swappa.com. I did a pretty good volume for the past few months. Even with having a XXXX XXXX linked with my account and Ive done everything right and legally, I wasnt even given a chance to appeal my case. All the documents they asked for were submitted and even having a XXXX XXXX didnt even matter to them and they just shut the account down permanently which is totally unfair. Im just doing everything to keep my family afloat during this trying times by doing reselling business. 
My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-05-19
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MO)

On XX/XX/XXXX I made a XXXX purchase for vintage clothing that was to be shipped to me immediately after purchase in the amount of {$130.00} with the description for clothes. The merchant never sent the items and I sent a XXXX XXXX request for the amount I paid which was rejected. 
I contacted the merchant several times with no response for a refund ( email and social media which I can furnish proof ) Ive since filed several claims with XXXX and each time has been denied ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX thats as far as i could go on my phone but there are several more ). I also filed claims with my funding bank ( PNC ) on 2 occasions which were both denied as well which i truly dont understand. I dont think its fair that its going on 7 months and both PNC and XXXX continue to give me the run around on processing this fraud request.
Consumer complaint received 2020-02-11
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. (CA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

{$430.00} of payments missing and {$1100.00} of deposits listed as payments in transactions downloaded to accounting software? Told it would be resolved on XX/XX/XXXX. Called on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. Emailed on XX/XX/XXXX and told it would be resolved on XX/XX/XXXX. 

They are charging monthly fee but this problem has persisted for 2+ weeks
Consumer complaint received 2022-12-16
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. (FL)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX-Balance {$1100.00} XXXXXXXX-XXXX-Balance {$630.00} XXXX XXXX-XXXX-Balance {$10000.00} XXXX XXXX-Balance {$1200.00} XXXX-Balance {$0.00} XXXX-Balance {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX-Balance {$6100.00}
Consumer complaint received 2022-12-16
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. (FL)

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NV)

I would like to file a second compliant with Wells Fargo for failing to remove the information being reported on my consumer report, after filing an FTC report sending in several police reports to no avail Wells Fargo has yet to show that they accounts being report are vaild, how can one person open 11 different accounts. Wells Fargo has been in countless class action lawsuits for opening fraudulent accounts under consumers information. I have been a victim of my personal information being stolen and compromised due to the theft, and I have been suffering from this and how it is affecting my life since XX/XX/XXXX. Furthermore Wells Fargo and XXXX XXXX XXXX XXXX  has broken the law based on 26 US CODE 7213 UNAUTHORIZED DISCLOSURE OF INFORMATION, And 18 US Code 1028A Aggravated identity Theft, Report inaccurate information, false information and information without my consent. They have failed to validate these accounts with any " orginal signatures '' or documentation. I keep getting responses that the information is being updated as accurate. But How?
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (MD)

my homeowners insurance co. sent out an individual to take pictures of the property. then notified me that i must replace the roof. i could not afford a new roof at the time so they canceled my insurance. my mortgage co then got me a new policy ... my mortgage payment more than doubled! my new rate is unsustainable! i am now facing losing everything! now i cant afford a new roof or electric or food or car insurance or anything else! my XXXX XXXX and XXXX  also live with me. we will all soon be homeless. i disconnected my water heater months ago... i have done multiple things to cut expenses there is no more i can do. alot more i could say but this is my current situation.
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

I have serious concerns that Discover Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for several months now. Please see my attached letter, which extensively documents the issue and my interactions with the Company to date.
Consumer complaint received 2021-11-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Please Help!!!!! I have accounts report on my credit file that are not mine. I don't know how many ways I can tell you that the following accounts are not mine. I never open any such accounts. 

1. XXXX XXXX XXXX- it looks like a loan that was allegedly opened XX/XX/XXXX ; bal : {$74000.00} on my XXXX report. 

2. XXXX/XXXX - this account was allegedly opened in XX/XX/XXXX ; bal : {$7200.00} on my XXXX report 3. XXXX XXXX - XXXX - this account was allegedly opened in XX/XX/XXXX ; bal {$1700.00} The following address information is reporting inaccurately on my credit file : Transunion - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX - XXXX XXXX XXXX and XXXX XXXX