davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been sending disputed about my credit report to all CRAs XXXX, XXXX, & Transuion, about a couple accounts on my credit report. 

They have failed to conduct a reasonable investigation and failed to provide me the completeness and methods of verification for these accounts. 

XXXX XXXX - Charge off Acceptance Now - Charge offs I am now Demanding that the removed both accounts and any inquiries associated with these accounts from all CRAs immediately
Consumer complaint received 2019-01-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX # XXXX -I disputed this account and nothing was sent to me to legally verify this account. 

this account is being reported in violation. I have sent several dispute letters stating each error and it is still being reported on my credit report. 

1st violation : They are reporting a Balance of {$1000.00} on a charged off account 2nd violation : they are reporting a Past Due of {$1000.00} on a charged off account 3rd violation : Each credit bureau is reporting 3 different dates of last activity. TransUnion reports XX/XX/XXXX. XXXX   reports XX/XX/XXXX. XXXX Reports XX/XX/XXXX. How is it possible to report inaccuracies and still say that its verified or updated. I checked my credit report after each bureau has stated that this account has been verified or updated.
Consumer complaint received 2019-02-05
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2019-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/XXXX someone transferred our savings into our checking and made and UNAUTHORIZED charge at a XXXX in another state. Bank of America filed a claim and it took 10 days to process. We received notification on XX/XX/XXXX that they denied our claim and were not refunding our money. We have called today XX/XX/XXXX to appeal and they said it can take up to 60 days. This is unacceptable and we believe they need to refund us immediately. What can we do?
Consumer complaint received 2017-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (SC)

On XXXX XXXX 2017, I attempted to send {$60.00} USD to a friend via Western Union. The fee for " in minutes '' availability is {$13.00} for this sum. When going through the process to send money, the questions asked about the receiver are : First Name, Last Name, Phone Number ( optional ), and State. " State '' is not listed with any context, so it could be " State where recipient has a government-issued ID from '', or " State where receiver is a resident '' or " State where money is to be received ''. At the bottom of the screen are the disclaimers, which update as you make transfer choices to show relevant information. One such disclaimer is " 6 Your Receiver can pick up your money transfer at any of our Agent Locations in United States ''. However this turns out not to be the case, as the ambiguous " State '' field is in fact " State where money is to be received. I phoned WU to have the State of my order updated. They were able to do this without issue. My receiver went to an agent location in the now-correct state, and was asked for a phone number. This was an optional field when sending, so I did n't fill it out. The WU representative told my receiver that this was the only way to look up the order. So I called WU again. They told me that they did n't in fact need receiver 's number, that receiver could simply provide the number and this would resolve the issue. This did not work. WU then told me to have my receiver call WU and have them speak with the local agent. This did not resolve the issue. My receiver had to go to another WU location where money was furnished.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

- On XX/XX/2022, there was a {$2000.00} credit card payment to a XXXX XXXX account using my Bank of America checking account. 
- On XX/XX/2022, I began a claim with both XXXX XXXX and Bank of America. Both companies failed to give me claim numbers and gave me misinformation, saying that someone else had made a bank account at XXXX XXXX under my name. 
- On XX/XX/2022, Bank of America said that they would help me write a letter over the phone to file a fraud claim. 
- On XX/XX/2022, I called XXXX XXXX to receive an update about my situation. They gave me a new claim number and told me to contact the Credit Card Department, who refused to help me because I did not have an account with XXXX XXXX myself. 
- On XX/XX/2022, I called Bank of America to get an update on my fraud claim, only to have the representative tell me that my claim was filed under " billing '' instead. I was on hold for the fraud department for over an hour. 
- On XX/XX/2022, I filed a CFPB claim, feeling that my case was extremely mismanaged by both XXXX XXXX and Bank of America, both of whom misfiled my claims and failed to communicate between their departments about my specific case. I'm deeply disappointed by how poorly the representatives communicated between each other, especially with how XXXX XXXX refused to help me because I did not own an account there myself. 

- XXXX XXXX asked me the account number of the scammer 's account multiple times. I told them the last four digits of the account under the receipt for the {$2000.00} payment on my checking account, because I had no further information on the scammer 's account information.
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (CA)

I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER
Consumer complaint received 2019-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I have been doing public service as part of the loan forgiveness program. For the first year, I worked for the XXXX XXXX XXXX of XXXX XXXX. I completed one year, with six months of it as a regular employee and six months as a contract employee. Despite several submissions by me of the correct form signed by the XXXX XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX  is refusing to recognize 6 months of payments made as part of the loan forgiveness program. They first said the form did not use the four digit year when signed by the Human Resources Department or come up with some other invalid reason not to recognize my time as public servant. This is a pattern that has been part of the lawsuits against XXXX and others to not recognize the hard work of public service and assist people with the Loan Forgiveness Program who are doing this work.
Consumer complaint received 2022-09-01
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. (CA)

I HAVE REQUESTED AND TRIED FOR SEVERAL MONTHS TO DISPUTE THESE ACCOUNTS REPORTING MY ON CONSUMER FILE. THEY HAVE CONTINUED TO VIOLATE MY RIGHTS AND KEEP REPORTING THESE ACCOUNTS WITHOUT PROVIDING ME ANY TYPE OF PROOF SHOWING ITS ACCURATE. I'M ATTACHING MY LETTER
Consumer complaint received 2022-08-29
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Transunion requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Transunion for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc. (LA)

I did my taxes with XXXX this year I claimed the recovery rebate claim on there because I did not receive the first two payments of the Stimulus checks. On the tax return I processed the address I put was the address my cousin XXXX XXXX 's. She told me that was her address, but unfortunately it was her next door neighbors. When I did my taxes this year with XXXX XXXX, I paid them XXXX $ out of of my 3rd Stimulus for ID NOTIFY with Experian with a XXXX XXXX dollar insurance reimbursement. I have recently had my ID stolen from me, including all my online information. I placed a fraud alert on my credit profile early this year. My number is XXXX. Thank you. Have a blessed day.
Consumer complaint received 2022-09-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (PA)

Well from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX took {$10.00} {$80.00} {$100.00} from my account. And XXXX XXXX  took {$130.00}, {$42.00}, {$110.00}, {$36.00}. not only do I not know what XXXX XXXX  is when I tried to dispute these charges with credit karma they said disputes need made within 60 days of the statement month. However credit karma does not issue account statements. Furthermore no where in any of the things they send you about the account does it tell you about the alleged 60 day rule. They call questioning transactions at your local gas stations, but never about online transactions such as XXXX XXXX  and XXXX XXXXXXXX as fraudulent.
Consumer complaint received 2023-02-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Excessive phone calls from misleading numbers Caller id states it's from a XXXX XXXX on XX/XX/2023 at XXXX, XXXX, XXXX. When I reverse looked up the number it came back as Midland credit. 

Had calls from XXXX caller id states it's XXXX XXXX but reverse lookup comes back to Midland Credit. approximately on Numbers from XXXX XXXX link to Midland Credit have also called my number. I have been receiving at list 4-5 calls from Midland credit everyday for multiple weeks.
Consumer complaint received 2021-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

I went to the XXXX. I had insurance through the military XXXX XXXX The visit was not billed under my insurance it was billed as though I had none. Now its on my credit report. Ive disputed it multiple times and they refuse to drop it or try to work it out.
Consumer complaint received 2023-01-26
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: Self Financial Inc. (NY)

I started a first case and received a response from Self but now creating a second contingent case from the first case : XXXX ; Related to the feedback provided and the unfulfillment of their response. 

I received a letter stating all 5 transactions : XXXX XXXX ( {$21.00} ), XXXX ( {$31.00} ), XXXX ( {$1.00} ), XXXX XXXX  ( {$1.00} ), XXXX XXXX ( {$1.00} ) will be permanently credited back and that the XXXXXXXX XXXX charge that came after this complaint is still being reviewed. I received 4/5 transactions from that date and still owed {$1.00} from 1 out of 2 duplicate XXXX XXXX transactions. 

They are still charging interest while not even giving back the amount they said they were. I do not think its acceptable to wait for such a small amount they shouldve been owed and is now affecting my interest fees. It is not fair for me to pay the amount including what I am owed. The interest is also being made off of an amount I do not owe, it should be deducted from the amount I was supposed to be credited. I tried emailing them on multiple occasions and called to get no help by phone and one representative told to me to contacXXXX XXXXXXXX. No one ever responded from that email/department.

A representative from XXXX  after several emails stated that the other transactions were approved but that one is still pending and can take upwards of 90 days and to allow proper time. 

That does not make sense regarding that the other transactions were credited back and the {$1.00} from XXXX XXXX came out twice but only one was credited back and it is all part of the same dispute. 

Secondly, the dispute that came after this one was credited back so how is it that an older one that was promised did not come back and still processing. 
Why is now that amount part of the calculation for my interest as well? It should not be so.
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CT)

Bridgecrest finance has received a payoff check from my insurance company and the gap insurance company but refuse to correct my account. Erroneous reporting in XXXX of 2021 ( when the loan was paid ) has resulted in negative credit reporting essentially ending my ability to purchase a home. They have blamed backlogs for the 3 month process of simply getting the checks applied to my account. The company at first claimed to not have received the checks, then after cancelling them and reissuing, they applied the first set of checks and then removed all payments including approximately {$2000.00} in payments that I made so that they would not continue reporting my account negatively to the credit agencies. I have escalated this matter to an EVP in their customer relations department and after two weeks it is still not resolved.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (NY)

Associate credit service is reporting a paid collection on my credit report of XXXX. Associated credit service never sent me any notices. this amount was paid to XXXX XXXX. i would like this account removed from my credit since proper procedures were not taken by associated credit services Thank you
Consumer complaint received 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2019 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (CA)

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX  - XXXX
Consumer complaint received 2022-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Ingo Money, Inc. (FL)

On XX/XX/31 I tried to deposit a {$250.00} check through XXXX which apparently uses the service Ingo Money to deposit their checks. After being told the check is accepted and all I have to do is void the check and take a picture, Ingo declined to deposit the check calling it a failure. Now I have a void check and no money. XXXX blamed Ingo. Ingo acts like they did nothing wrong just some checks they can't accept. That's fine in general but not once they tell a person to void a check. I needed this money yesterday. Now I have a void check and nothing.
Consumer complaint received 2021-08-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (MA)

Lender added additional fees for a loan lock that I was unaware of. When I disputed there response was they thought it was in my best interest to lock the rate without my consent. I ended up paying more money for closing then I agreed to. I felt deceived and put into a corner with no other option but to sign and pay the additional fees.
Consumer complaint received 2022-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.
Consumer complaint received 2022-09-01
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: NAVY FEDERAL CREDIT UNION (FL)

I am aware that consumer reporting agencies have received my nonpublic personal information from NFCU fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom NFCU has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies NFCU have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. NFCU furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe NFCU is criminal enterprise involved in conspiracies to cause restraint of commerce.