davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (NC)

XX/XX/2021, sent a wire for {$30000.00} USD XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it XX/XX/XXXX - Contacted support, said they'd look into it Getting no response about my wire, feels like a scam. I demand my funds back.
Consumer complaint received 2021-05-15
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. (CA)

We had unauthorized charges including late fees on a credit card. We disputed it XX/XX/XXXX, the creditor closed the card, sent a new one, reversed all of the charges on XX/XX/XXXX and sent a letter stating it was approved. The statement cycle closed on XX/XX/21 which shows the fraud charges reversed as well as the late charges. We also disputed it with TransUnion since this shows our ONLY late payment on our reports. 

We are in escrow to close the end of this month on a property. This has caused a 93 point drop in my husband 's credit score and a 33 point drop in mine. This is causing us to now have been put into a higher interest rate. TransUnion is unable to do anything to correct it. They are not showing the updated information that the creditor sent to them on XX/XX/2021. 

I am requesting a change to credit fraud reporting on all bureaus, that while they investigate, they remove those derogatory items until the investigation is complete. Not leave them on until afterward. These reports are also very unreliable. Each source shows them as reporting a different score. ie. 3-scores under TU, or XXXX or XXXX. The numbers do not match.
Consumer complaint received 2017-06-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (WA)

I opened a Key Bank account with a {$50.00} initial deposit processed on  XXXX   XXXX  per the statement, with a bonus offer that if I made {$500.00} in payroll direct deposits within 60 days I would receive {$300.00} in bonus.     Since  XXXX   XXXX  when my opening deposit was processed and account was available for use, within the first 60 days of  XXXX   XXXX , I have made payroll direct deposits well over {$500.00} dollars as follows  XXXX   XXXX  - {$410.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$430.00}  XXXX   XXXX  - {$500.00} I have not received the bonus even after waiting out a few statement cycles as per the advertised offer.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

I started working with XXXX XXXX, Assistant Vice President, US Bank, in the XXXX Utah Branch. I initiated a HELOC with her which went fine. When I came into the branch to sign all the closing documentation for the HELOC XXXX asked if I was interested in a credit card with US Bank as I was Pre Approved. I asked her if we continue would it be another credit inquiry or would they use the credit report they just pulled for the HELOC. She advised they would use the credit report they just pulled. This was actually not the case, my credit was pulled again. 
I would expect her level of position, and tenure with the company, to know these details about procedures of when credit gets pulled. This feels really deceptive and potentially a harmful sales practices to provide wrong information, uninformed or misleading.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

VICTIM OF IDENTITY THEFT. 
How many complaints do I have to do? 
They refuse to lock my credit report when I was a victim of identity theft. 
I have been trying to get extended fraud on my reports since when I was identity thefted XX/XX/2020 They refuse to lock my credit and they refuse to investigate all my disputes. 
I am tired of complaining meanwhile my credit gets worse, they have donenothing I've submitters or asked over phone. 
Thier actions are illegal.
Consumer complaint received 2019-01-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (TX)

On XX/XX/XXXX, I visited XXXX  XXXX XXXX in XXXX, Texas. The itemized medical bill was XXXX. The administrator asked how did I wish to pay. My response was via mastercard. The administrator asked it would be via insurance? I responded for a third time. It would be mastercard. 

The Administrator and nurse on duty presented me with an XXXX itemized bill statement. 

I asked on three other occasions if this was the bill in full and the Administrator responded yes. " This is the itemized cost per our charts. I then provided my mastercard to the Administrator and a charged of XXXX was bill to my card and I was presented with a receipt for my records. 

Within three weeks, I started receiving bills for additional charges. I have spoken with XXXX  XXXX on several occasions, and provided them with a copy of the paid receipt. The response was, " I don't know why they charge that price because it is not enough. 

I contacted my legal team and they drafted a letter of inquiry which XXXX  XXXX has refused to acknowledge on two occasions. 

On XX/XX/XXXX, I received a letter from a third party collection agency threatening to report the matter to the credit bureau as bad debt collection. I have attached substantiating documentation of full payment and all other pertinent documentation for your review and resolution before additional legal action is warranted.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This company pulled my credit unauthorized, I have contacted them and they have not return my call or responded to my email Sometime last week I was contacted by a company who offered me a loan for my business, I was told that they will not be pulling my credit, that the loans were unsecured and not based on my credit but only on my business revenue. By Tuesday ( 4 days later ) my credit had 5 HARD PULLS and had gone from 700 's to the low 600 's. Since then I was denied a LOAN due to this abusive and unauthorized use of my credit report
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The XXXX XXXX keep disrespecting the laws. I showed them XXXX times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2022-04-11
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. (NY)

I have been fighting the fraud accounts on ny credit since XXXX. I have sent police reports and even letters from XXXX other credit bureaus that confirms my identity has been stolen. Experian continues to allow hits on my credit even after I sign up for notifications and alerts!
Consumer complaint received 2018-07-11
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: EQUIFAX, INC. (WI)

Equifax refused to remove Hard inquires that were on my credit report that I did not approve to have my credit pulled. They stated that hard inquires can not be disputed. the list of companies pulled my credit without my approval and I want these hard inquires removed. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-06-23
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Risecredit, LLC (MO)

I originally had a high-interest personal loan with Rise Credit, and, after repeated attempts to get Rise to work with me on their " automatic draft '' dates so that my account with not get hit on a week other than my pay week, I cancelled my auto draft with them and started calling in. I repeatedly asked for them to modify the date of draft and they would not, so I stopped paying them and told them that I would resume my payments when they acknowledged my complaint and updated my records. Rather than do so, they sold my loan to XXXX XXXX XXXX. I received multiple calls from XXXX XXXX XXXX and on XXXX XXXX, XXXX, spoke with one of their representatives, XXXX XXXX XXXX, about making payments. This call was taken on my personal phone after business hours. XXXX then drew up an arrangement and e-mailed it to me ; however, I did not find it originally as it had gone into my spam box. XXXX has since ( i.e., XXXX XXXX, XXXX ), called me multiple times nearly every day, even though I have repeatedly told him I do not take personal calls during the day. He then rang me through my employer 's number on Monday, XXXX XXXX, XXXX at XXXX XXXX I told him emphatically NOT to call me at work, and explained that I would be making my first payment the end of XXXX. XXXX called me again at my place of employment on XXXX XXXX, XXXX, and was told that I was attending the funeral of one of my co-workers. He again called today, XXXX XXXX, XXXX, at XXXX XXXX. and began asking for information regarding the name of my employer, my job position, etc., and I asked our Administrative Assistant to tell him again, not to call me on my work phone. I have now instructed everybody at work not to take his calls and I have advised his company that I have filed complaints with any agency that handles these types of situations. The specific information regarding XXXX XXXX and this organization is as follows : XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, KS XXXX Toll Free : XXXX Fax : XXXX XXXX XXXX XXXX
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (NC)

I fell behind on my mortgage because of this covid global pandemic in XXXX of XXXX. I have applied for assistance twice and am not getting the proper answers to my questions from my mortgage company. The reasons per Fay as to why I don't qualify are as follows : 1. REPAY PLAN - INCOME IS INSUFFICIENT 2. DEFERMENT - INVESTOR DOES NOT PARTICIPATE IN THE PROGRAM ( XXXX XXXX ) 3. MODIFICATION - BASED ON INCOME, INCOME IS NOT SUFFICIENT, DEFICIT Problem # 1 - XXXX XXXX 's website clearly states that they offer deferments after a forbearance for their borrowers. Why am I not a candidate if XXXX XXXX has hired Fay to service my loan and XXXX XXXX is offering it to loans that they service? This question could not be answered by Fay Problem # 2 - I have a surplus income after my mortgage and bills are paid, THANK XXXX, not a deficit. My three month average for self employment income from XXXX was gross {$3500.00} and net was {$3000.00} but today I was told that the underwriter 's final net income was calculated at {$2200.00}, that is a difference of {$760.00}. When I asked why 25 % of my take home income was deducted by their office, the answer was " I don't know that's what the letter shows '', when I asked who I can speak with to get clarity as to why that much is taken out of my pay, the answer was " No one, we treat every homeowner the same ''. That is the strangest response and for me being a XXXX and minority in this county, I now am positive that I am being discriminated against. Really, you take off 25 % of everyones self employment income which then causes them not to be qualified for help? XXXX XXXX self employment tax is only 15.3 % so where is the 9.7 % difference that Fay 's underwriter is taking from my pay, coming from?
Consumer complaint received 2022-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX submitting this complaint on my behalf there is no third party involved. On XX/XX/2022 My billing error dispute ( Exhibit Included ) was delivered to XXXX XXXX This Company has refused to acknowledge receipt of the documents they are furnishing inaccurate and incomplete information on my consumer report which lacks accuracy and integrity pursuant 12 CFR 1022.41. I have included in my Exhibits the proof of delivery along with my pre arbitration demand letter. This shall serve as my second and final notice of an error that I am disputing in my bill and demanding XXXX XXXX make the appropriate changes necessary to properly reflect my account. The inaccurate information has caused me the inability to obtain credit for my personal, family and household use. XXXX XXXX Is furnishing information without accuracy to XXXX, XXXX AND EQUIFAX which lack a great deal of integrity which has caused substantial harm.
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc. (AL)

This company continues to report this negative account information on my credit report, without explanation. The company has failed to issue a notice of debt, nor debt validation information.This item should be removed immediately from my credit report.
Consumer complaint received 2022-04-11
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: Experian Information Solutions Inc. (TX)

XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.
Consumer complaint received 2021-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (GA)

BBVA bought out Simple bank. The bank in which I had a checking account. However I have been locked out of my account since Saturday, XX/XX/XXXX. The bank is unresponsive and I can't get through to anyone when I call.
Consumer complaint received 2021-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I invested in Stellar Lumen ( SL ) using the Coinbase app on XX/XX/XXXX. Just as SL started to take off they locked my account for no reason in XX/XX/XXXX. I have filed multiple complaints and multiple cases but they reply they will get resolve it in 10 days or that I asked them to lock the account ( I did not ). It has been months and today my account should be worth {$22000.00} which I can not access or remove from their platform. It hasn't just been me, XXXX has a multitude of complaints with the same story. I just want to transfer to a trustworthy platform and get away from Coinbase. There is no phone number to call. The only number they have is XXXX ( XXXX ) XXXX which is ONLY for their card customers. If you aren't in their system with a card, you are disconnected. There is no email address other than XXXX which constantly puts you off or tells you the case is closed. I complained to the Securities and Exchange Commission and they directed me to you.
Consumer complaint received 2022-04-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ZIONS BANCORPORATION (UT)

I was purchasing some items on line. The first XXXX transaction went to a invalid address. I personally went into the back to cancel it before making a second transaction. {$700.00} each. I was told you can not stop a XXXX transaction once its been sent and that not to worry it would be returned the in ten days. 
The following morning Zions released both {$700.00} transactions. Seller has disappeared. Time will tell if this is fraud. Nothing to do but wait to see if the items arrive. 
Zions did not do has instructed. I was willing to take one {$700.00} risk purchasing items on line but not two {$700.00} risks. Zions need to take responsibility for their employees just as I did for 15 years. Its been a week and its turn out I have just been emailing with a automated computer. Zions is the new XXXX XXXX of Banking. Now I have to pull out my commercial accounts and move them to another bank. If XXXX cant trust them with {$700.00} how can I trust them with hundreds of thousands.
Consumer complaint received 2023-03-31
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. (NY)

AS XX/XX/2023 Ive noticed fraudulent accounts XXXX XXXX XXXX XXXX Amount owed XXXX $ XXXX List of fraudulent inquiries below 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-05-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX, Trans Union added a remark to my account regarding a dispute over the age of an account. My credit job 22 points for a reMark added to an account Found to be valid. I have no problem waiting the additional time in order for this negative account to fall off if it is valid, But its highly detrimental to lose points over a dispute. I was unaware that that was possible or else I wouldve never done that. Im doing my best to repair my credit and this undermines all of my hard work. I would like this remark removed.
Consumer complaint received 2021-05-15
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: Resurgent Capital Services L.P. (FL)

XXXX report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. XXXX not only refused to provide the requested information but continue reporting unverified information on my credit report.
Consumer complaint received 2021-05-15
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX I ordered 3 hairpieces from XXXX. 1 6 inch 1 8 inch and 1 10 inch.for XXXX ... .They sent 3 10 inch of another hairpiece which is not what is shown in the pic as I ordered. CapitalOne requested more info so I called and spoke with XXXX in the XXXX on XXXX and she said just to resubmit my claim but change the dates to reflect after the merchant had responded to my dispute. Once again I sent my claim back in only to be rejected. It's clear in the pic and invoice that the order is wrong. I believe this to be a bait and switch because I did not get what was in the pic!! The merchant sent a different product than what I ordered and I provided the proof twice.
Consumer complaint received 2022-04-11
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/2022, I disputed the unauthorized, non permissible purpose, inaccurate items on my consumer report through the CFPB. Its past 30 days of the investigation mark and I have received any deletions nor an update on ALL results. Their silence tells me that they can not verify the information and need to be PROMPTLY DELETED from my report and file per 15 USC ( i ) ( 5 ) ( A ) ( I ). TRANSUNION repeated negligence and non compliance has damaged me with emotional stress and ruined my reputation and credit worthiness. These are CRIMINAL acts In accordance with the FCRA and FTC ACT.
Consumer complaint received 2021-05-15
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)

As a review of my account there are a few accounts that are not mine Two from XXXX XXXX and 3 From XXXX XXXX {$480.00}, {$590.00}, {$350.00} And one from XXXX XXXX for {$490.00}