davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I had booked a hotel through a 3rd party website. The 3rd party website not only didn't have any resort fees listed in the total charge. It also specifically stated that the hotel would not add any fees at check in. I have physical proof of both. The BOA  XXXX  XXXX prepaid card services didn't even bother asking for the proof and rubber stamp denied my claim. ( BOA  Claim # : XXXX )
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

My checking and saving account was been closed on XX/XX/XXXX. The last status of the account is XXXX " Debit DDA - Check Charge '' with amount - {XXXX} and- {$850000.00}. Including another " CHECK OR SUPPLY ORDER PPD '' with amount - {XXXX}. 
I called Chase 's customer service and got the answer that due to the sender of XXXX of my cashiers check deposit won't be able to verified. The cashier check is {XXXX} and deposited on XX/XX/XXXX. Then they decide closed my account. I only got the {$65000.00} check but missing the XXXX} check.
Consumer complaint received 2021-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (IN)

XXXX/XXXX  would not stop billing me after services were disconnected. 

XXXX Called to have internet service shutoff on XX/XX/2021. 
XXXX Received email from XXXX/XXXX  reminder that services were being terminated on XX/XX/2021. 
XXXX Received email from XXXX/XXXX  about an updated service agreement. 
XXXX Received bill pay reminder email from XXXX . ( assumed it was final bill ) XXXX Received receipt for payment of bill for full month amount XXXX Received bill in email for XXXX for full month payment. Tried calling XXXX/XXXX  but their phone system sent me in circles without being able to talk to a person about bill and service. 
XXXX Tried calling XXXX again. Automated service made me do online chat with a person who agreed that services were supposed to have ended on XX/XX/2021 and said they were going to take care off disconnection issue and refund me for the XXXX bill. Received an email saying they were canceling services on XX/XX/2021 ( have screen shots of chat conversation ) XXXX Tried calling XXXX , wasn't able to get past automated loop. 
XXXX Called XXXX XXXX talked to a woman who would only have me setup a payment. She said she was the customer complaint manager and that she had no boss above her and that she could not see any previous contact or the original email of canceling service. 
XXXX Did a chat with XXXX again. They promised to refund me for XXXX and XXXX. Asked to talk with a person and no one called me. 
Continued getting past due bills in mail for services after XX/XX/2021.
Consumer complaint received 2021-08-25
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. (OR)

I noticed a collection put on my Transunion report by XXXX XXXX XXXX XXXX on XX/XX/2021. This collection account is not mine, I have never had an account with the original creditor or even heard of them. The original creditor isn't on my credit report at all, no inquires no account nothing because it never existed in the first place. I have disputed it multiple times by certified mail and online only to receive a letter or email saying its verified. I recently sent a FAIR CREDIT REPORTING ACT 609 debt validation letter to Transunion requesting to see how they verify and the original contract I signed and the original balance I owed and the original account number. I got a letter back saying they don't understand my request. I want this taken off my report before legal action is taken. This has taken away my ability to refinance my house and car.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly
Consumer complaint received 2021-12-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This request to block the accounts listed below from my credit report is not made an error in my request to block information is not based on material misrepresentation and I did not knowingly obtained possession of goods services or moneys as a result of one or more of the transactions that I seek to block. Under 15 US C 1681C-2 you must block all fraudulent accounts. Since I attach my form of ID proof of address Social Security card FTC report. This complaint lists someone that your company should recognize as their customer of their customers authorized representative.

You are reporting accounts that are fraudulent and accounts that are not mine! which violates my privacy. According to Congress I have the right to privacy the hard inquiries violate my privacy. I do not want information shared on my consumer credit report remove them immediately!
Consumer complaint received 2021-12-12
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. (NC)

i was the victim of identity theft and i filed an identity theft report. this message is for transunion and equifax. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (AL)

These companies are reporting information in regards to a name, bankruptcy and addresses to the credit bureaus that do not belong to me. Despite disputing several times, XXXX XXXX, Core Logic XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, and Core Logic XXXX  have refused to delete this information from my reports resulting in my credit profile suffering tremendously.
Consumer complaint received 2022-03-27
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation (SC)

Over the past month I've been receiving several phone calls from Southern Finance. They have left multiple of voice mails even after I sent in a dispute letter they still chose to call at inconvenient times especially when I'm working. I have proof that they are calling repeatedly and leaving voicemails and they have not corresponded to my validation letter. They also threatened to " take action their way on their terms ''. No debt collector has no rights over any consumer. I need them to prove to me that I am a so called " borrower '' and stop harassing me.
Consumer complaint received 2021-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (RI)

On XX/XX/2021 I applied for the Citi XXXX XXXX XXXX. The application went in and I received an instant denial. In the following 30 days I have not received any letters or other communication explaining the denial. In the following 60 days there have not been any offers to explain the denial from Citi Bank. This is in violation of 12 CFR Part 1002.9 ( a ) ( 1 ) ( i ).
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CITIBANK, N.A. (DE)

My XXXX yr old grandmother was trying to ordering a dryer from Best Buy. She was on the phone with somebody that was XX/XX/XXXX rude demeanor very unprofessional. I get on the phone and ask for a supervisor, the supervisor got on the that was very nice and professional, the supervisor indicated to me and my grandmother the dryer she wanted was out of stock and offer my grandmother a higher dryer that was more of the dryer she was originally going to get at the same rate. That purchase happened on XX/XX/XXXX the delivery scam happened on XX/XX/XXXX. Best Buy told the delivery dryer to delivery my grandmother a beat down used dryer when she paid for a new one, I guess Best Buy thought my grandmother was going to be home alone. A XXXX woman is not suppose to have a nice dryer she was granted to by one of Best Buy associates. Higher up didnt want to accept that, not only did they brought my grandmother the wrong dryer Best Buy cancelled without our consent. When we try to order the same one we suppose to get its a backup until XX/XX/XXXX. My grandmother purchase another dryer from Best Buy I dont know why. Another gentleman gave my grandmother on a cheaper dryer and her new delivery was scheduled was XX/XX/XXXX. I contacted the head leader at corporate thats making it hard for us name is XXXX XXXX and XXXX XXXX can he give us a sooner date, XXXX sent a email stating he can give us XX/XX/XXXX. Received another email from Best Buy 2 hrs ago stating we have to setup our own appointment and delivery time when it was already taken care of corporate is continuing to fraud scam with our account and I have all the evidence pictures.
Consumer complaint received 2021-12-11
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. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Inquiries : XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX 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 2021-12-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WI)

PAYPAL PREVIOUSLY SAID THAT MY MONEY WOULD BE MADE AVAILABLE FOR TRANSFER ON XX/XX/XXXX You were also informed that your Account balance would be held for up to 180 days, at which time we would email you with information on how to access your funds. WELL THAT WAS A LIE, I WAITED 6 MONTHS AND THEY DO THIS TO ME??? OH NO, I HAVE CONTACTED THE WISCONSIN XXXX ATTORNEY XXXX XXXX, WHO REFERRED THE MATTER TO THE CONSUMER PROTECTION AGENCY. I WILL BE CONTACTING AN ATTORNEY. I WILL NOT ACCEPT THE STANDARD YOU AGREED TO THE ACCEPTABLE USE POLICY BOGUS PREFABRICATED RESPONSE.
Consumer complaint received 2021-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$440.00}
Consumer complaint received 2021-08-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (IL)

On XX/XX/XXXX I bought a home that originally financed thru Compass. The loan was sold to Pennymac. After the first week went by I believe it was XX/XX/XXXX my loan was sold to Pennymac. I contacted the customer service reps after that to advise that as a 100 % XXXX vet I am tax exempt. The customer service reps told me they would check and get back to me which never happened. After repeated calls talking to about 7 or so customer service reps still no help. My payment should be XXXX and not XXXX. I have repeatedly advised these customer service reps to adjust my payment as not put tax money in a escrow account when I am tax exempt which was verified by XXXX XXXX. XXXX XXXX  is 1 year behind in collecting taxes so for Pennymax to take taxes from me when I did not live in the property does not make sense. If Pennymac does this to me at the start I wonder how bad it will be dealing with them until I can refinance. Thanks
Consumer complaint received 2022-12-16
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. (MD)

This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this single account ( A ). I hope this the disputed account is updated. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

XXXX XXXX stolen my XXXX XXXX and trying to force me to pay them for the XXXX XXXX which was returned back to them in working condition. XXXX XXXX is trying to collect on a return XXXX XXXX ; the XXXX never worked on their network, I asked to return the XXXX XXXX which was approved by a XXXX XXXX who created the return label, the shipping company was XXXX, the XXXX XXXX was delivered on XX/XX/2022 XXXX. I am receiving repeated collection calls, texts, voice mails, and emails from XXXX XXXX about this XXXX XXXX which was returned. When I call XXXX XXXX  the rep from the call center always act as if I never returned the item or they have received the item and will process a credit to my account which never happens.
Consumer complaint received 2019-08-06
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)

I have submitted in writing several complaints and request to update my credit report that is inaccurate and yet they have failed to respond and change my credit report. This has now caused me to be denied for a home loan in which I was in the process of being homeless and much more. Equifax specifically has now failed to change my credit report for the last 3 months which is more than 90 days which is past the 45 days allowed for a investigation.
Consumer complaint received 2022-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have new & updated information on Transunion, XXXX, & XXXX ( The CRAs or Consumer Reporting Agencies. ) On XXXX XXXX XXXX XXXX the consumer, sent XXXX, Transunion, & XXXX certified mail stating Im a victim of identity theft with an attached identity theft report. The CRAs must honor my request to remove fraudulent information from my consumer report. The CRAs failed to block the items from reporting pursuant to 15 USC 1681c-2. They instead made it a 30 day dispute. Its now XXXX over 30 days later and passed the deadline of the investigation. The unauthorized items must be deleted immediately. If the CRAs fail to delete the items from my consumer report, theyll be willfully noncompliant and will be on record for certifying the accuracy and completeness of the unvalidated items. ( see attached files )
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CO)

I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone and a computer and it locked me out. I then tried calling but was on hold forever and I had to go. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They also never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Consumer complaint received 2021-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (CA)

Hello, Below is a description of the incident. My name is XXXX XXXX. 

I was searching online to buy a XXXX puppy for my kids for XXXX and came upon this site https : XXXX After email exchanges with the breeder, I proceeded to purchase the XXXX XXXX for {$850.00} total and paid for it by Zelle which is hooked up to my XXXX checking account on XX/XX/2021. I was asked to send a picture of the Zelle confirmation by the breeder. Breeder confirmed they received my payment and they'd ship the puppy the following day from Oklahoma since it's already late. I got confirmation by email and text from this number XXXX XXXX ( same number on the emails from breeder ) the following day that the puppy was dropped off at the pet shipping agency, that they will contact me next, but I was warned that the shipping agency didn't take their old crate and need to use a different crate for traveling. I then got an email from the shipping agency XXXX XXXX XXXX confirming the shipment of the puppy, tracking number, and the shipping and delivery is paid. Then I got a call from the shipping agency from this number XXXX that I need to pay for a thermal crate or the puppy won't be able to travel, the fee is {$1700.00} and I'd get 95 % refund back to my Zelle account when the puppy arrives at my address. They advised me to break up the payment if I hit a limit with Zelle. I was only able to send {$1000.00} then {$500.00} via Zelle and they asked me to get a XXXX gift card for the remaining balance and send them a picture of the receipt and front and back of XXXX XXXX. I did that and emailed them the photos and they confirmed receipt. I received a call from the pet shipper again now asking for {$1900.00} for pet insurance needed to ship the puppy, that the puppy is stuck in Colorado and that if I don't pay then the puppy will be abandoned, they'd call the FBI. I said I'd pay by credit card but not Zelle or XXXX which they were asking me to. I then told the pet shipper on the phone that I will cancel the shipping, that this is a scam. The pet shipper said they'd send me a refund in 72 days and sent an email stating so. I told the pet shipper on the phone I need the refund back to my Zelle account now. I also called the breeder who told me to pay the pet shipper, that he had been using them for 5 years and that I will receive the dog. He said he can't really talk cause his daughter is at the hospital ill. I called the breeder again and the number XXXX is disconnected. I sent the breeder an email saying I need a refund of the {$850.00}. No response from both. 

I've reported this to Zelle, my bank, as well as the local police here in XXXX XXXX CA ( report # XXXX ), FBI IC3 , FTC, XXXX, XXXX. I reported this on XXXX. I also reported it to the web hosting site, XXXX, and the breeder site was taken down on XXXX. The pet shipping site is still up, I reported it to XXXX on XXXX.
Consumer complaint received 2022-03-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

on XXXX XXXX, I filed a dispute with this bureau about the unverified account : XXXX, XXXXAccount # : XXXX. In these months I have not received a notice in 45 days and I have tried multiple attempts for verification of these unverified accounts with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you