davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
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. (FL)

Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


11 XXXX - XXXX 06 XXXX - XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Blitt and Gaines, P.C. (IL)

( XX/XX/2019 ) Tried contacting firm to get information about a debt that was to their firm for collection, called several times with extremely long wait times left messages for call back then emailed when I missed their 2 calls and had to wait again ( about 30 mins each time ) never got a response as to if I was still supposed to make payments to them or if I needed to take other actions so I stopped making a payment when I wasnt receiving confirmation emails for payments XX/XX/2019 ( I had made 5 $ XXXX payments ). Then when I tried using my account to pay for something and it said I didnt have any money I checked the account to find funds pending for review {$470.00} was the amount ( my comed and car insurance payments couldnt go through because of this ) I called the bank who told me to call the law firm who ( law firm ) told me they sent a notice to review my account and was waiting for banks response and that it was my bank that put the freeze on the money because they had no payment ( this was XX/XX/2019 ) so today ( XX/XX/2019 ) I called the bank because the hold is still on there And I FINALLY ( after three phone calls and over an hour wait time ) was connected to a manager who told me they couldnt see if it was judge order or just law firm who put the hold on the money and they will contact me when their law department contacts him. I couldnt connect with law firm who holds the debt because they were closed. I received a letter XX/XX/2019 postage was XX/XX/2019 stating they were garnishing my account but no dollar amount other then the full debt amount of $ XXXX+ ( Said no payments were ever made towards debt ) The letter was dated back in XXXX and that I had til XX/XX/XXXX to make an appeal. I am a single parent of two small children ( the debt collector/law firm knew this ) and my bank couldnt tell me if my next paycheck that is to be deposited XX/XX/2019 would also have a hold on it- I have rent and diapers to buy I work full time And had to cash my pennies to pay for gas and dinner for my children, I honestly dont know what to do, Im filing for bankruptcy three days before my sons birthday XX/XX/XXXX but I dont think Ill have the bare minimum they are charging me for that ... help ... please
Consumer complaint received 2019-07-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CO)

I have tried over the past three or four years many times with, XXXX XXXX, MoneyGram, and Walmart to Walmart. I can not send or receive money this is created a very very extreme problem for me and my wife. I don't think I need to explain the details but I believe it's unfair than all of a sudden they decide what they think is best. They shouldn't be in business if they're going to do this to people I want to know why they have singled me out. I am not a crook. Thank you
Consumer complaint received 2019-07-03
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: EQUIFAX, INC. (VA)

An online dispute was submitted to Equifax regarding a 30 days late listed on my credit report for the month of XXXX. I disputed that XXXX 's payment was not 30 days late, but was indeed paid. Equifax stated, after the investigation was complete, that it was reported accurate by the data furnisher. 

Attached is proof that a {$1000.00} payment was made for the month of XXXX on XX/XX/XXXX to XXXX XXXX and was not late, along with the confirmation number furnished by XXXX XXXX. There was also the minimum payment paid on XX/XX/XXXX for {$50.00} shown as well, which shows that the XXXX payment was paid days early and was not 30 days late.
Consumer complaint received 2018-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I had not used the Credit Card in question for quite some time except to pay off an existing debt, through auto-pay. Once that balance was paid in full I discontinued the use of this card until recently. I made a purchase in the amount of {$300.00}. On the due date of payment ( XX/XX/XXXX ) I processed a dispute of this charge, as indicated on the instructions on the back of my bill ( I should dispute any unauthorized charge if not resolved by the due date ). After I disputed the charge I noticed that an Auto-payment had been processed on the same day. However I never authorized the Credit Card Company to process an Auto-payment in this amount, and this was not the amount I had originally set up Auto-Pay for previously. I called the Credit Card Company and requested that the auto-pay be reversed ( because the disputed charge would be eventually credited back to my credit card account from the institution making the charge ). The representative refused to do so. I asked to speak to a manager. Instead the representative hung up the phone in my face. I immediately documented that conversation in an email to the Credit Card Company, and requested that any bank charges be covered. I called my Bank to STOP PAYMENT on the payment. My bank did as requested. However, the Credit Card Company processed another payment in the same amount, even after I had discontinued Auto-pay. I called the Credit Card Company on XX/XX/XXXX to have the payment reversed. I had to request a manger to have it processed, after the representative misrepresented that the payment had already been credited to my banking account. I was informed it would take 2-3 business days. I indicated that this was unacceptable. However the Manager ( Named XXXX, Id # XXXX ) could not or would not expedite the process of this reversal of payment. Meanwhile the processing of that payment has disrupted my means of payment to other institutions, and caused me to incur a STOP PAYMENT fee of {$30.00}. along with late payment fees on other accounts. This process has caused stress and dismay. The Credit Card Company should be held accountable.
Consumer complaint received 2019-07-03
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. (GA)

Credit Bureaus keep on saying that the item displayed on my credit report are correct!! The accounts are not a charge off, they were paid off and were not late! I could not believe they did a full investigation on the accounts because they are incorrect!! I asked them for detailed response as to how the investigation went but they provided an XXXX XXXX verification.. Please remove the account asap XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/2016, I opened an credit card account with American Express. The initial available credit for the account was for the sum of {$1000.00}. Despite the well management of the account ( no late payments and usage under 30 % ) the account has yet to be awarded a single credit limit increase. In fact, I have requested through the years at least seven credit limit increase from American Express none of which have been approved. I was recently offered an account upgrade which qualified me for an cash preferred account which I accepted, however, I was surprised to see that the credit limit was kept the same. I been a loyal customer to American Express and I have fulfilled my end of the contract by making my payments on time and using the account responsibly. I feel that I am being discriminated. Furthermore, such action violates my civil rights under any credit granting act that allows me to make use of credit in similar conditions to other borrowers.
Consumer complaint received 2018-04-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IL)

Hello, I attempted to send {$700.00} to XXXX on XX/XX/XXXX and there was a last name error on the transfer. I contacted Western Union and they told me I could not make major adjustments and that I'll have to cancel the transaction, get a refund and resend. I agreed and authorized the customer rep. to cancel the transaction. Immediately after the cancellation, I got an email saying my transaction is cancelled and that I should expect a refund in 7 business days maximum. Western Union also told me to expect an email confirmation that the funds have been sent. I never got the email confirmation. After the 7 business days, I contacted WU, via chat, repeatedly that I still don't have my funds. They told me they sent it and my bank should have it. Not true, as at today, XX/XX/2018, there still can not confirm to me that they have sent the funds or where my funds are. Everybody I contact seem no to have any information. They always promise to escalate but nothing happens. They even told me to send my bank statement to some email, to prove I'm not lying I believe. This is over the pale and I hope you can assist.
Consumer complaint received 2019-07-03
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. (MI)

Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Consumer complaint received 2019-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I deposited a money order through the ATM, the system said it was validated. 
They said that they did a chargeback on the money because it had been altered. I used my card on the XXXX that evening around XXXX and I did not see an NSF charge in the app. When I tried to use my card on the morning of the XXXX my transaction was declined for XXXX dollars. I immediately went to the bank to deposit funds. When I checked the app again, they had added a {$35.00} NSF fee. I wasn't notice and was not given a 24 hour window to deposit funds to any transactions. Their system is automatically generating NSF fees with out an alert or 24 hour window to deposit funds.
Consumer complaint received 2024-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (MD)

I received several letters from Penn Credit Corporation in regards to a ticket received. The first letter had my first name, middle initial and a XXXX  That letter was received about a year ago and I was able to call and get it resolved based off the license plate that's listed that isn't mine. I recently received another notice of collection from Penn Credit Corporation indicating I have a delinquent unpaid ticket from XX/XX/2023. This notice references the wrong tag number and but the name is closer to mine saying XXXX XXXX I called the credit company and they agreed the debt wasn't mine but also admitted that they didn't have any identifying information in their system to identify the person they were looking for. They also admitted to having the XXXX  initial in their system but leaving it off the letter they sent me indicating they knew they were sending it to the wrong person but wanted to see if they could trick me into paying without realizing. 
They are sending notices out to everyone with similar initials and my fear is XXXX XXXX XXXX XXXX XXXXXXXX pay without researching.
Consumer complaint received 2019-07-03
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: EQUIFAX, INC. (MI)

Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I WOULD LIKE TO KNOW EXPERIAN KEEPS VERYING AN ITEM THAT IS CLEARLY REPORTING INCORRECT INFORMATION THIS BALANCE IS INCORRECT YET EXPERIAN IS ALLOWING THESE ITEMS TO CONTINUE TO REPORT THIS DEROGATORY INFORMATION ONTO MY CREDIT FILE WHICH IS A CLEAR VIOLATION OF THE FCRA. I HAVE REQUESTED THE DOCUMENTATION WHICH THEY HAVE USED TO VERIFY THIS ITEM YET THEY HAVE IGNORED MY RIGHTS TO REQUEST THAT INFORMATION, ANOTHER VIOLATION OF THE FCRA. NOW EXPERIAN HAS TOLD ME THAT THEY REFUSE TO REINVESTIGATE THIS ITEM HOWEVER EXPERIAN HAS FAILED TO PROVIDE ME WITH THE INFORMATION I HAVE REQUESTED WHICH I HAVE THE RIGHT TO DO ACCORDING TO THE FCRA. 
THESE ARE INCORRECT AND HAVE YET TO BE VERIFIED ACCORDING TO THE LAWS SET FORTH IN THE FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (OH)

I demand a copy of the instrument of definitive documents of a second mortgage. From the Mortgage Servicing company PHH Mortgage which is formally Ocwen Mortgage Servicing company. 
I`ve had this mortgage for a number of years with the original lender XXXX XXXX XXXX Please provide documents for the discrepancy and the balance being reported.
Consumer complaint received 2019-07-03
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. (FL)

Three accounts are showing the incorrect status & account balance after contacting the credit bureau. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

On XX/XX/2021, I received a notice that my beloved Simple banking account that Ive never, ever had issues with was transitioning to a BBVA account. Over the subsequent months, I received assurances via email that the transition would be seamless, with the final piece of the transition ( the only customer-actionable step in the process ) being that starting on XX/XX/2021 I, as a customer, would cease having access to my Simple checking account, would use the link emailed to activate my BBVA account- also could be done through the app- and I would immediately have access to my new account, my money, my account numbers, everything. 

In the unnecessarily complex process it took to try to activate my BBVA account on XX/XX/XXXX, it would not allow me to. I am unsure if I even successfully created a user name and password. And the attempt to sign in on either the website or in the app has locked me out of my new- and only- checking account. I can not look at balances. I cant attempt to transfer funds out of it. My account and my money are being held without allowing me any access to it at all. I have tried calling customer service for hours today, as the notice on the website says, to only get a our system is down, call back later message. 

BBVA had at least 4 months to make this transition easy. They couldve given us at least a few days where we could access both accounts, instead of completely nullifying our Simple account while also preventing us from accessing our new BBVA account with no way to seek resolution about it for going on 2 days.
Consumer complaint received 2018-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (PA)

National Credit Systems has been attempting to collect a debt that belongs to my deceased father. I was my father 's caregiver and in XX/XX/XXXX he leased an apartment at XXXX XXXX. I had no financial liability to the lease or its expenses. However, the complex stated they needed the Social Security number of every adult over the age of XXXX residing in the apartment. Their lease had a clause that stated in the event of a death he would not be liable for the rest of the lease. My father passed away XX/XX/XXXX and I immediately vacated the premises on the weekend when the office was closed. I provided a letter and proof showing my father passed away, pictures of how the apartment was left, the keys, the forwarding address to be notified of the receipt and left in the drop box as I moved out of state. About a month later I received a bill stating I was responsible for the debt as if my father was my spouse. I contacted the management company located in XXXX and advised I was not his spouse and it was not a joint account I was only a resident on the lease. They refused to acknowledge that and reported to my credit and sent to National Credit Systems as if it was a joint account. I notified them this was not my debt and disputed with them and the Credit Bureaus several times. They continue to pursue me for my deceased father 's debt.
Consumer complaint received 2021-04-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Please, help me. I am XXXX XXXX XXXX, a retiree, XXXX y.o.. XX/XX/XXXX I received hearing aids, order # XXXX from XXXX mailto : XXXX with total cost of {$450.00}. Upon opening of received package, I found that instead of ordered item ( hearing aids X3 ) they sent me an outdated cheep version X2 ( {$270.00} ) and no batteries ( {$49.00} ). The same day I contacted the seller requesting return address and full refund. 
XX/XX/XXXX I sent back to seller the received order ( USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX that I sent to seller ). Realizing with what company I have deal, I initiated a dispute in my local bank XXXX XXXX, ph : XXXX, Branch ManageXXXX XXXX XXXX XXXX that issued me credit card I paid for the order. In few days the bank credited me the seller charge of - {$450.00}. During following two month, i didn't get any information from the bank, nor from the seller, but found that my bank reversed my credit charging me {$450.00}. From XX/XX/XXXX til now, I many times visited my bank asking for protection and three times ( for their requests ) presented them set of documents supporting my case. During this time no documents related my dispute I have received from bank. In my last talk with the bank manager XXXX XXXX, I was orally informed me " that the seller can not return money to the bank, but can it return to me ''. 
After this ( about XXXX week ago ) in the third time, I sent all documentation and request for refund to the seller. ZERO result. The seller just ignored my E-mails. 
I can send you all documents, mail exchanges and USPS receipt with tracking #. 
PS : At time I wanted to initiate dispute at Santander via their site, I realized that Santander revoked this option offering instead to do this by phone that never answers. 
I called 8 times ( spending each time between 10-15 minute ) and never got response. 
This is why all my interaction with Santander was during my visit to their local branch. 
Please, help me to get my refund. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, MA XXXX XXXX XXXX
Consumer complaint received 2019-07-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (IN)

the representative stated i owed them {$2600.00} and if I didn't pay it they were going to continue calling me and sending me letters in the mail until it is paid. I told them they do not have any documentation bearing my signature and I do not have any contract with Diversified Consultants. I told them as per the Fair Credit Reporting Act Sec 611 ( a ) ( 1 ) ( A ) they have 30 days to complete this investigation and remove this from my credit file. They laughed at me and still stated it was a debt owed to them.
Consumer complaint received 2019-07-03
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: TD BANK US HOLDING COMPANY (NJ)

Target XXXX XXXX added my name without my knowledge or consent on my wife 's credit card account as an authorized user. I discovered this transaction after I was denied credit and obtained a copy of my credit report. Target XXXX XXXX reported the following delinquencies to all 3 credit reporting agencies : 30 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also reported 60 day delinquencies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX along with a 90 day delinquency XX/XX/XXXX. On XX/XX/XXXX my wife XXXX XXXX, my XXXX XXXX and myself conferenced called Target XXXX XXXX. My wife requested Target to revoke my signing authority and I requested them to correct my credit reports. Target said the credit history on my credit file would remain the same. I them asked them to provide me with a document that had my signature either acknowledging or authorizing the transaction and they could not produce one. Subsequently I asked Target to send me a copy of a letter disclosing to me that I was added as an authorized user on my wife 's account. I was told no letter would have been generated for this transaction. I am self employed and the negative reporting has affected my ability to obtain credit and has put severe limitations for terms on purchases from my suppliers. I am in the process of filing disputes with XXXX, XXXX  and XXXX and have already contacted an attorney regarding this matter. My attorney advised me to file a complaint with CFPB.