davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

I recently had a Collection appear on my XXXX Credit Report as of XX/XX/XXXX from Ability Recovery Service. I have never spoken with this company prior to this date, nor have I received any written correspondence regarding alleged debt. 
I contacted the company and I was hung up on and was spoken to rudely when I attempted to get information as I have no knowledge from this alleged debt from this company or the original creditor. After reviewing my records, the date of service that they alleged is not one that is in alignment with the last time I was in the hospital after an automobile accident in which that debt was paid so this appears to be an error. I also received nothing from the original creditor. I received no notice or validation of this debt from this agency or the original creditor. I have no knowledge of this debt. Upon finally being able to speak with someone, they confirmed they in fact allegedly sent information to the incorrect address so I have no knowledge of this debt. They said the debt is from XX/XX/XXXX but have it listed as XX/XX/XXXX on my credit report so they are also modifying dates to reage the account.
Consumer complaint received 2023-04-07
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. (OH)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (GA)

I transferred the money to my sister in XXXX via Remitly on the XXXX. Via their mobile app i was informed that the money was transferred on the XXXX. However, the bank on the recipient end had no track whatsoever of the payment. I kept calling remitly and my sister kept calling her bank but to no avail. On the XXXX once i threatened Remitly to file a complain is when they told me that the account was not correct. I ask them why would their app say the money was transferred to a wrong account why did it take them 20 days to figure it out. 

I think this is just an excuse to hold people 's money to earn interest for 20 days. Morever, i smell a foul play here. This company is managed by XXXX and since they are the arch enemy country of XXXX, this was deliberately done to stop money from going to XXXX. 

I've had same issue with XXXX where they stopped my payment for no reason.
Consumer complaint received 2019-08-25
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: CITIBANK, N.A. (TX)

on or about XX/XX/2019 I Had talk and email exchange with XXXX XXXX from XXXX. About purchasing service in future which calls FSD ( Full Self Driving ) capabilities. I was quoted by her and through also email {$2000.00} plus tax. She said either can be purchase through her or through my XXXX account which indirectly bills my Citibank master card ending XXXX. 

However, when I learned that I was being charge {$5400.00} which is {$5000.00} plus 8.25 % Texas sales tax. I called and emailed various people in XXXX with no luck. At point I kept Citibank on loop all the time when this happened. Citibank asked me to give them particular time to may be 10 days to issue a credit or I will dispute the charges with Citibank. 

After not getting any where with XXXX, I open dispute claim with Citibank for overcharging me then what was quoted. I provided all the email all email communication with XXXX including talk that email stating what should it be charged. 

My disputed was noted wrong with Citibank instead of overcharge it was noted as credit due and Citibank keep on asking me for receipt of credit slip in order to get dispute in my favor.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX and trans union are reporting a XXXX  XXXX on my public record on my credit report they know its inaccurate and they refused to remove it the claim to do an investigation but refused to give me further information on how the investigation took place the source of the investigation and who they are verifying through I have contacted the XXXX  XXXX trustees office and got a letter form them stating that I never filed bankruptcy and for some reason this isnt enough to satisfy them this information is incorrect and even XXXX has determined that the information is incorrect and rightfully removed the item from my credit report but for some reason these companies prefer taking faulty information rather than looking at fact I feel they are violating the FCRA act
Consumer complaint received 2021-12-06
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. (MD)

I checked my credit report and I noticed that I have 2 derogatory accounts and a bankruptcy on my Transunion and XXXX reports. The problem is that they aren't reporting on my XXXX report and the information isn't accurate across all XXXX credit bureaus. I've contacted the bureaus back in XXXX and they did nothing to resolve the problem.
Consumer complaint received 2020-07-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 14 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (ME)

On the first of XXXX, I send my partner in the XXXX {$2000.00} to cover rent on our flat from our joint debit card to be delivered to his debit card. They advertised this as " completed in minutes '', and specified in the fine print that this could take 4 days, unless the fault of the receiving bank or force majeure. They also say that for debit card transfers, business days include weekends and holidays. 
The money still hasn't been received as of XXXX XXXX. The representatives I talked to said there wasn't a fraud flag, that there wasn't an issue with the receiving bank, and that there wasn't force majeure. They have taken the money from our account. 
The only help they offered was to file a complaint which would take 90 days. Under the law they have 15 days, so this is six times longer than legally allowed. They have made us late on our rent, and are exceeding the agreed delivery time significantly without any of the justifications spelled out in the contract.
Consumer complaint received 2018-11-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Circle Internet Financial (MD)

Since the XXXX XXXX of XX/XX/2017 resulted in XXXX XXXX, XXXX has refused to disburse them to customers, despite all their peers such as coinbase doing so. 

Like many of their customers, Ive been waiting for the release of my funds for over a year now. 
Their communications has ceased, and although circle invest has been active for months, they still have not released our funds. 

this recent XXXX XXXX  as now phased out XXXX into two tokens. 

Their excuses have devolved into silence, and they have since changed their user agreement, which is malicious and unethical. 

losses have run up to half a XXXX in opportunity costs.
Consumer complaint received 2019-08-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

I contacted what I thought was XXXX customer service # XXXX to see why I was having a charge taken out of my checking account when I do not have XXXX XXXX. They identified themselves as an XXXX representative and said there was a XXXX XXXX that was ordered and set or delivery for the amount of XXXX. They said my account had been hacked and we needed to set up a dummy account to fix the issue. They remotely logged into my laptop and tried to fix the dual hacking.At some point I was called back by phone # XXXX. After a bit they said they needed a pin # from a XXXX XXXX gift card to fix the issue. They put what I thought was XXXX into my checking account to purchase the gift card. This happened 3 more occassions when they needed to get another pin and run it to fix the hacker. When I was at the store, they transferred money out of another checking account making it appear they were inserting the funds in the account. They also purchased 2 XXXX cards against my checking account through a XXXX XXXX account. One amount for {$100.00}, XXXX. These invoices will be enclosed with a site of purchase called XXXX XXXX. I also received emails from XXXX   XXXX stating the account was upgraded. The account was closed through XXXX  XXXX, XXXX and my Financial institution. In all these hackers got XXXX of my money through gift cards and then the two charges for the XXXX gift cards. The next day I received a text message from # XXXX stating we missed your call and to call them back for the refund pending under my name. I did not call back and blocked them.
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC (AZ)

I applied for a car loan and was notified that I had a negative mark on my credit for a collection for {$130.00} from XXXX XXXX XXXX also know as SEQUIUM ASSET SOLUTIONS , LLC. I contacted the company and told them that I never received any type of notification about the debt, not 1 letter or notice of any kind. They had the wrong address on file. I paid the debt on XX/XX/XXXX. They never sent me a verification letter and just recently ( between XX/XX/XXXX - XX/XX/XXXX ) the debt has shown up on my credit report again. It went from a balance of {$0.00} back to {$130.00} and is listed as a derogatory mark. I already paid the debt in full. This company is terrible. I tried to dispute an error with them and they refused to delete it from my credit so I disputed it with XXXX and they didn't remove it either. It's a helpless feeling to know that you were wronged and there's nothing you can do about it. Please help.
Consumer complaint received 2023-04-07
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. (NY)

In accordance with the Fair Reporting act, The list of Accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX XXXX XXXX # XXXX Child support Enforcement # XXXX. 

15 USC 1681 section 602 A 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, and other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2019-08-25
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: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I used my HSBC credit card to purchase airline tickets. I had contacted the merchant initially when I was billed twice on my credit card for an airline reservation booking. The merchant stated that i would be granted a refund within 45 days. I waited nearly 60 days and never received a credit. I contacted HSBC Credit card and they advised me that they would put it in dispute. They erroneously cancelled the wrong reservation and left me and my young family stranded in a foreign country. Fortunately, I was able to get us home by repurchasing the tickets, albeit, at 3 times the price. I contacted HSBC to rectify the matter. All the chaos and fiasco aside i would be willing to pay for the original tickets as purchased but HSBC argues that I should be held responsible and forced to pay for the tickets which had to be purchased due to their improper procedures in handling of the chargeback. I have tried multiple times to contact HSBC. I have provided evidence and even have letters from them in which they show conflicting evidence of which transaction they were charging back. The last supervisor who i spoke to gave me the following advice the next time i have an issue : He stated that the next time i have a problem, and am able to get a hold of the merchant that i should NOT involve the credit card company. I was appalled and shocked as this is normally one of the benefits to using a credit card. I told him the same and advised that i wanted to speak to another supervisor. I was told one would be in contact with me within 24-48 hours. It has now been over 1 week.
Consumer complaint received 2021-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America closed my account after i got scammed on XX/XX/2021 i called them and told them about the transaction and they didnt stop or reverse the payment like i asked. They however let me file a fraud dispute because they agreed it was fraud then they denied me even after i had proof They scammed me out of money for a car. Told me they got the car from XXXX and they never did the car was smoking an hour later and almost caught fire they also sold phony tags which could have gotten me arrested i tried to request a refund on XXXX XXXX and he threatened me also gave me an altered phony title never told me the car was salvage or considered a total loss and never told me the car was in an accident this was never an as is sale i got completely scammed and i want my money back if possible. Ive had a good account standing with them and they didnt have my back they closed my account and didnt help me after this phony car company scammed me. i thought accounts were insured for up to XXXX this transaction was only XXXX.
Consumer complaint received 2023-01-03
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. (CT)

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts on my credit file I have never entered into a credit transaction with either person l. Therefore reporting these accounts as a tradeline is a violation of 15 USC 1692e the information furnished to my credit file is misleading it appears that I entered into a credit transaction with XXXX XXXX XXXX and XXXX XXXX XXXX. Also reporting these fraudulent tradelines to my credit file with extortionate intentions to blackmail, abuse, and harm me is a violation of 18 USC 894 lastly the Equifax, XXXX, XXXX is conspiring with XXXX XXXX XXXX and XXXX XXXX XXXX. See attachment
Consumer complaint received 2018-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

This company has reported on my credit an amount of {$480.00} without notification again. This is the 4 time a company has attempted to report on my credit WITHOUT any prior written notification, even after several request none of the below mention agencies have been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. 
Diversified Consultants XXXX XXXX XXXX All this companies have reported this supposed charge from XXXX XXXX ( a service I have never had ) with out proof of debt.
Consumer complaint received 2022-06-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE (AR)

I am a XXXX XXXX XXXX veteran. In Arkansas you do not have to pay real estate/property taxes. I have requested for them to do an escrow analysis on my account so that i will not have to continue to pay taxes. I have sent them emails from the DAV director at XXXX county AR stating that i am exempt from taxes. They did an escrow analysis in 2021 which was prorated ( due to me buying the house in the middle of the " tax year '' ) and on that bill it clearly states i am a DAV ( XXXX veteran ). XXXX County has informed me that i am issued a credit which is why there is no bill.
Consumer complaint received 2018-04-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ronald H. Reynolds, Inc. (PA)

XXXX XXXX XXXX has yet to refund me for over payment and the attorney they hired which was XXXX XXXX XXXX XXXX. The bill has been paid since XX/XX/XXXX and the debt is still showing active. Also the debt was over paid and error in credit giving by court documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX says one thing in his letters as threating and also tells me the issue is or past on to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX is very rude and thinks he can scare some one not to sue him. First thing XXXX XXXX owes me I don't owe him NOTHING he is the one in error on court credit as the court he entered the wrong amount in credit giving as the court document shows. Next the account was over paid and he owes me money as well for who retain him he received the money. The next issue is 3 garnishments showing on court records by him as not paid and 3 garnishments all the same one showing different amounts as well as ( ACTIVE ) & should show ( COMPLETE ) its been 4 months now nothing but the run around with XXXX XXXX and smart remark letters to my rights. Maybe he should do his job and learn to read and add and stop threating people what they can do. 

Next he tells me the case went to the XXXX XXXX XXXX and still sending me mail just as of the past week been XX/XX/XXXX and as if I owe him money on the same account in which there seems to be some fraud going on to the same account showing nothing paid 1 showing 20 percent and the other nothing but the same garnishment. XXXX check stub is attatch as proof as court documents and XXXX XXXX XXXX. 
It also seems very deceptive of the practice that's been done. 

Documents Attach as Proof
Consumer complaint received 2021-01-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: TD BANK US HOLDING COMPANY (NJ)

Someone is trying to open pre-paid cards with my name and data ( XXXX  XXXX  and XXXX ) as well as opening up a checking account in my name ( TD Bank ) Someone also tried to use my bank ( XXXX  ) to send a XXXX payment I have never banked at TD or XXXX  or XXXX  Someone also tried to get into my XXXX and XXXX cancelled my account, now I can't use XXXX
Consumer complaint received 2019-08-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WA)

They responded to me twice through email and claimed my previous employer from XXXX accessed my retirement account and withdrew exactly {$430.00} on XX/XX/XXXX between XXXX-XXXX. But I still have 2 of the emails, and maybe 15 text messages they sent me because I couldn't log in to my accoumt because they were updated ing their systems. When I finally got back onto my retirement account with WELLS FARGO BANK. My money was gone, and my account was unavailable. I can't even log into the website anymore because of whatever they did. This all happened XX/XX/XXXX. I put the XXXX early.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On two occasions my payment was shown to be late but that shouldn't have been the case I called the company to explain reseasons for the billing situation and the online banking payment methods. but I was unfairly marked 2 times for late payments, but since then in the past year I have cleared up the situation but they refuse to forgive and clear my record.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp. (FL)

I the affiant demand someone to remove these ridiculous charges off all the credit bueaus ( XXXX, XXXX, XXXX, XXXX, XXXX ) According to 15 USC 1666d ( b ) everything is PRE/PAID that means its billng error ( 12 CFR 1026.13 ) which requires resolution. And I the affiant XXXX XXXX XXXX is entitled to a refund.