davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
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. (GA)

Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XX/XX/2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my Equifax and XXXX XXXX reports.
Consumer complaint received 2019-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (NC)

On XX/XX/2019 a Check No XXXX was stolen from my checkbook. On XX/XX/2019 the check was forged and processed through my bank account for {$400.00} I notified the bank Friday the XXXX of XX/XX/2019 when I noticed the funds were missing and filed a police report and filled out an Affidavit for Forged Check. I knew the date that the check was stolen because that was the only date anyone had been around me and my checkbook. 
The bank said that I did not keep the checkbook secure and would not give my my funds back. I had that account number for over 20 years.
Consumer complaint received 2020-11-08
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: Convergent Resources, Inc. (IL)

I've written several letters to XXXX, XXXX, XXXX and the original creditor that is reporting this inaccurate information regarding a derogatory account with XXXX and to no avail have they even attempted to fully investigate the accuracy of this account. 

However after I requested to see something bearing my signature I received the attached paper which does NOT bear my signature nor the correct spelling of my name. 

I am demanding again that this inaccurate information be removed from my credit reports as it is having a negative effect on my credit rating.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I contacted Bank of America on XX/XX/XXXX after I received notice from my credit monitoring service that an inquiry by Bank of America had been made on my credit report. I spoke with a representative and informed that I did not request a credit card with Bank of America or authorize them to access my credit report. The agent assured me that the attempt at acquiring a credit card had not been processed and that she would terminate the application and the inquiry would be removed. This was in XXXX. It is now XXXX and the fraudulent inquiry is still on my credit report
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (NY)

I DID TRANSFER WITH WORLDREMIT TO DEPOSIT {$1000.00} IN XXXX XXXX TO TAKE OF MY ELDERLY PARENT ON XXXX DAY OF XX/XX/2023 AND THE MONEY WAS NOT DEPOSITED AS PROMISED DESPITE THAT THEY SENT EMAIL THAT THE MONEY IS DEPOSITED IN TO THE ACCOUNT. ON THE XXXX DAY OF XXXX, I CALLED AND COMPLAINED TO THE COMPANY. THEY REQUESTED THE BANK STATEMENT TO CONFIRM AND I DID AND SINCE THEN, I HAVE BEEN SENDING EMAILS AND CALLS BUT NO POSITIVE RESONSE THAN TO BE PATIENT WITH THEM. I SPOKE TO ONE MANAGER NAMED XXXX AND SHE PROMISED TO RESOLVE THE ISSUE THAT IT WAS THEIR LOCAL AGENT THAT CAUSED THE PROBLEM BUT TILL NOW MY MONEY IS NOT PAID OR REFUNDED BACK TO MY ACCOUNT. PLEASE HELP ME OUT.
Consumer complaint received 2022-12-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (PA)

I received a loan from ONE MAIN FINANCIAL. They charged me outrageous fees and keep a continuous {$2.00} balance in my account and report me to credit bureau monthly although I paid in excess of 200 % of the original loan amount.
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federal protection, consumer rights to privacy and confidentiality under 15 U>S.C. 1681 XXXX  account 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 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 XXXXXXXX15 U.S.C.1681 Section 602A States i have the right to Privacy,15 U.S.C.1681 604 A Section 2 : : a consumer reporting agency can not furnish a account my written instuctions,15 U.S.C. 1681c. { A } { 5 } States no consume reporting agency make any consumer report containing the following items of information Any other Adverse item of inform.other than record of conviction crimes which antedates the report seven yrs. Also 15 U.S.C.1681S-2 { A } { 1 }
Consumer complaint received 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MD)

On Saturday XX/XX/23 aprox XXXX my account was hacked into. The person stole about XXXX from me and decided to charge it all at a XXXX. I live in MD were no XXXX  are available. The person got access to my entire account and wiped it clean. The person charge over XXXX transactions at this place. My bank never notified me. I have also filed a police report. This person faked a text pretending to be CHIME bank and sent me a text to verify a purchase over {$500.00}. I immediately pressed No and that was their entrance to take over the account. This incident took place from Saturday night to Sunday. I can not survive without my money. These people are really damaging lives. I'm so disappointed my bank didn't catch this. Why would they see over XXXX transactions at XXXX place and not do anything about. Not one call or email to notify me of this suspicions activity. They transferred over XXXX from my account and sent there selves XXXX several times and spent the rest at XXXX over XXXX plus times. PLEASE HELPPPPPPP
Consumer complaint received 2022-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

Hello, I have a student loan with XXXX XXXX XXXX. They sold my loan to XXXX Financial in XXXX. XXXX XXXX is reporting inaccurate information to the XXXX credit bureaus. Claiming that I made late payments in the year of XXXX. I have not made any payments towards my student loan at all. I have been on a deferment plan that currently has my payments on hold. I have called and spoke to multiple people at XXXX XXXX, they have all asked me to turn in any proof of documents that I was XXXX from the year XXXX to now. I have turned in the documents. I have called and I have uploaded those documents to the student portal. XXXX XXXX inaccurate reporting is affecting my credit score. I have let them know that these inaccurate information of payments is affecting me. I have been XXXX since XXXX of XXXX. Since than they are reporting inaccuracy payments. They asked me to send proof so they can remove the errors and correct them. When I do what I am asked they do not take any action to my complaint seriously.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXXXXXX XXXX XXXX XXXX and XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXXXXXX XXXX XXXXXXXX and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC (CO)

Attempted to dispute a debt collection from Sunrise Credit Services , IncXXXX Called in to dispute which they have record of the end of XX/XX/2023. Never received communication of that dispute and they reported it to my credit bureau. Phone call and they admitted they never sent any communication and they always had my correct address.
Consumer complaint received 2020-11-10
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. (NV)

I received a copy of my credit report from all 3 bureaus after being contacted by debt collectors I had never done business with. There was a lot of accounts and other personal info on my reports that do not belong to me and I didn't authorize. I filed a police report and an identity theft report for the 2nd time because I also filed one when my wallet was stolen with my ID and other personal info inside about 10 years ago. I also submitted disputes with all three bureaus and they have not taken what doesn't belong to me off my reports.
Consumer complaint received 2019-06-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I mailed 3 rounds of dispute letters last one dated XX/XX/XXXX to both Experian and XXXX   credit bureaus via certified mail to verify ( 2 ) accounts XXXX XXXX and XXXX XXXX from Experian and ( 1 ) XXXX XXXX from XXXX. Because this was not accurate information I asked for them to please send me a copy of the original creditors documentation on file to verify that this information is mine and is correct. Each time they failed to do so under the FCRA and sent me my dispute results as being verified. My question to them was how did you verify that this is accurate when you didn't send me proof. 

Experian also sent me my results dated XX/XX/19 that they have deleted XXXX XXXX but as of XX/XX/XXXX it was reinserted back on my credit report. This is a violation because I did not receive from Experian an reinsertion letter within 5 days after it was put back on my credit report informing me of this. I sent a letter dated XX/XX/XXXX demanding to delete this because of their violation and yet again they came back with this item has been verified. 

Because of there failure to do so, I would like to file a complaint with you for both Experian and XXXX.
Consumer complaint received 2020-11-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (TX)

A strange XXXX male appeared on my land looking for information which he did not receive the first time he had came by as, he began to leave off the property it was noted that he began to write down the license plates numbers of the vehicles on the property. A few weeks later said man appeared on my property once again and was warned that he was trespassing, well said man wanted to argue that fact with the homeowner, which resulted in home owner getting his weapon to stand his ground. In which time homeowners wife persuaded trespasser to get off the property, but before leaving property trespasser was caught on homeowners camera using his phone to record the license plate numbers of the vehicles in the homeowners yard.The third trespass violation occurred on XX/XX/2020 My wife said to have had words with trespasser before he taped a third party debt collection citation to door of my home. And also the citation that the trespasser stuck to my door has This incident was reported to the local authorities and the state attorney general office here in TX.
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

On XX/XX/XXXX, your credit limit was reduced to a total of {$200.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/XXXXto notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter. 

I never applied for an increase so the nothing should have been reported from any credit bureau. I never agreed to having a credit limit of {$200.00} and would like my card increased back to {$300.00}.
Consumer complaint received 2023-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pressler & Pressler, LLP (PA)

I received a letter from Pressler, Felt, and Warshaw regarding an alleged debt that I owed. I sent them a letter on XX/XX/2023 asking them for information, proof, and to dispute the alleged debt. I did not receive a response. I sent a second letter to Pressler, Felt, and Warshaw on XXXX XXXX asking them for information, proof, and to dispute the alleged debt. I again did not receive a response. I then sent letters to all three Credit Bureaus on XXXX XXXX asking them for assistance on verifying this alleged account to see how they verified this information since I was not able to reach them. On the XXXX of XXXX I then received letters from XXXX. XXXX provided statements of an alleged account that I have no idea what it is for. I still did not receive anything other than a bill to see how I was the person who owed this debt. 
Also this account is reporting inaccurately on all three credit bureaus. It is actually listed twice on my credit report as XXXX separate accounts.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

BB & T reported my XX/XX/XXXX payment as late to the credit bureau. I was not notified by BB & T of the missing / late payment - no phone call, email, or mail notification. I was informed by an alert from the credit bureau. I immediately contacted BB & T to dispute this information. When they told me a payment was not received, I contacted my bank. I had reoccurring monthly payments set up through my bank. When I contacted my bank, they verified the check had not been cashed. I explained the dilemma to BB & T and immediately made the payment. I asked the credit department to consider removing the blemish from my credit report. I have been redirected to many departments, and have not received any resolve. Further, in XX/XX/XXXX, BB & T reduced my credit limit from {$3200.00} to {$1100.00} despite my dispute over the late charge/credit reporting.
Consumer complaint received 2017-02-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (MN)

I am currently in foreclosure. I was behind in payments and asked for a written document stating what I needed to get my loan current so I could pay it. After unanswered calls and emails they said they could not provide written documentation. Now I have attorney fees, and because I filed a complaint with MN XXXX they refuse to talk to me.
Consumer complaint received 2023-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

My mother located a source for XXXX through a telegram correspondence. This was advertised from a website promoting XXXX XXXX material.Initially, she believed this to be truthful and legitimate, dude to its ties with the website claiming XXXX XXXX is currently our active United States president. I however do not share this perception about our current active President. I was suffering a severe case of parasites, which had traveled to my eyes and had developed into a severe health risk. On XX/XX/23, after a brief correspondence from someone claiming to be XXXX XXXX XXXX, ( Screenshots attached ) we were instructed to send {$150.00} through PayPal with the description of " family and friends ''. However the name that we were given, to send the money to, XXXX XXXX XXXX to this, they were very unprofessional, wrote with broken XXXX, and pushed for an illegal vaccine passport card for an additional fee of $ XXXX were told we would receive our order of XXXX the very next day. However we were approached by a ridiculous request to send another XXXX dollars for delivery. All of this naturally through XXXX. The additional request for {$100.00} simply had a white person 's hand holding a package with no address, when I had clearly given the address the day before at the time of the order. At that point we contacted PayPal and let them know of the scam quickly and without any additional questions from us they dismissed it and said there was no wrongdoing at all. PayPal seems to be complicit in fraud and obtaining finances through false pretenses. As the user XXXX XXXX XXXX is still active as of today XXXX was able to obtain Ivermectin through a regular website in conjunction to speaking to an actual person on the telephone and it was shipped within the United States. I have never seen anything legitimate, regarding any type of exchange of information or service, come from XXXX. XXXX XXXX eager to join them.
Consumer complaint received 2019-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NV)

this bank is a rip off they cheat people and get away with it they claimed i inverted numbers but refused to let me hear the call they also claim to mail stuff out on a specific date but yet takes over 2 weeks to receive it they also say they responded to my compliant but i never seen it or got it
Consumer complaint received 2022-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MA)

Hi IC SYSTEMS COLLECTION ; ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; THIS IS NOT MINE, NO KNOWLEDGE, AND FRAUDULENT ACCOUNT. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2020-11-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CO)

New Rez is my mortgage company I was doing a refinance last year through them, they have been working on it over a year and on XXXX last year put a late charge on my mortgage to prevent a XXXX XXXX or XXXX XXXX refinance. It benefited them to do so as they kept me locked in at 6.25 instead of 3.00 percent it is today. I either want my late removed from all 3 credit bureaus and or finish my refinance for free. This has cost me XXXX in extra interest it started XXXX yes a year plus. Ive been approved but cant get it together. Ive emailed ceo and upper management been told they messed up but nothing gets fixed.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NM)

The XXXX website is having serious isssues. I was able to obtain my XXXX report, but I had to refresh my browser and print to PDF instead of being allowed to save. Experian then threw an error and told me I had to do it by regular mail, and the main XXXX interface skipped right over XXXX.