davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (AZ)

XX/XX/XXXX : I paid XXXX @ XXXX via XXXX for a Tip for Balloon animals at XXXX XXXX. As soon as I was sent I tried to remove him as a contact, it was not clear immediately how to do this. I would try to do this later. ( See attachment XXXX ) XXXX : Went to pay my rent of XXXX to my XXXX XXXX. I accidently sent this to XXXX whose name was now in the same location as my landlords was. I did not realize until after I sent it. I immediately called XXXX, went to XXXX and let him know it was a mistake. I also followed up with a text. He has an iphone and my texts were blue. At this time the status of the Zelle transaction was delivered. 

I also called XXXX right after and the office was closed. 

XXXX : Called XXXX first thing was transfer to the claim department and filed a claim with Zelle to do a courtesy reversal. They said it could take up to 10-15 days. 
Claim # XXXX Called the XXXX XXXXy to attempt to reach XXXX. Spoke to the General Manager XXXX. He said he would reach out to XXXX for me. At this point my text were not green which would indicate he was either out of reach or blocked me. 
XXXX called back and XXXX stated he had not received the money yet and as soon as he did he would return it. Status still shows delivered. 

XXXX Zelle status shows completed. ( see attachment XXXX ) I called XXXX XXXX  again to attempt to reach XXXX, no luck. Left message for him to get back to me. 

XXXXWent to XXXX to Follow Up with Branch Manager to see what they could do on their end. I am getting no where with XXXX and Zelle. Of course was told it as an on-line transaction and they could not help me. 

XXXX Follow up with XXXX XXXX XXXX should get status of Claim by tomorrow. 

XXXX Follow-up with XXXX w/ XXXX and was told claim was denied. 

XX/XX/XXXX - Called XXXX XXXX spoke with XXXX to get XXXX last name which was XXXX. He has been avoiding my calls and this point I will take legal action. 

XX/XX/XXXX - I attempted to call Zelle first and was told that XXXX and his bank XXXX XXXXXXXX are member banks and they can not help with any unauthorized transactions and I have to go to XXXX to try to recover the funds and file a claim XX/XX/XXXX - Called XXXX Police to find out what I can do. They placed a call to XXXX who mysteriously called me back. He " called '' Zelle and he said that Zelle placed a flag on the fund and would release them back to me within 5-7 business days. 

XXXX I texted XXXX and he called me back ( ironically ) we did a 3-way call with Zelle and they told him the same thing they told me. XXXX told Zelle he never got the funds. Zelle said it is not their problem to call my bank XXXX. 

XXXX I tried calling XXXX again and tried to speak to a manager in Claims. They refuse to help me. They said as far as they are concerned the money left my account and it is not their problem.
Consumer complaint received 2023-01-26
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. (FL)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXX using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
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: CITIBANK, N.A. (NY)

Attorney contacted Best Buy Corporation and tried to contact Citibank regarding a Citibank My Best Buy Branded Credit Card that was open fraudulently with my birth date and SS #. XXXX XXXX, paralegal in the legal department for Best Buy stated Citibank is the owner and administrator of the credit card and Best Buy can not help with this fraud issue.

Citibank has not responded to my attorney, XXXX XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX.

I filed a report with the XXXX  Police Department on XX/XX/2018.

The fraudulent account was opened in XX/XX/2018 and I discovered it in XX/XX/2018. My credit report was corrected. However, my SS # and birthdate are still in the hands of the unknown criminals.

My attorney advised me to submit this complaint against Citibank for negligence.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MO)

I sent 2 letters certified mail XX/XX/2022 and XX/XX/2022 asking for an investigation done on incorrect items on my credit report to all three credit bureaus. not one did anything until the 3rd certified lettered on XX/XX/2022 at which XXXX simply said everything was updated without giving any information after 3 months and XXXX said that account in charged off that are paid will remain on the credit report for 7 years, so they didn't do an investigation after 3 months. Experian never replied.
Consumer complaint received 2022-08-15
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I am filing this grievance as I completed the terms to my lease with the purchase of a new Toyota vehicle, with all payments made on time. Im frustrated at the fact I am being held hostage to a missed payment for XX/XX/2021 when I did not have possession of the vehicle at that time as it was turned in XX/XX/2021. Due to erroneous reporting to the bureaus the payment history needs to be corrected poste haste to restore the perfect payment history on this loan. 

Thank you, XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2022 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you 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 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you 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 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I request you provide me with proof of this alleged payment being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 

Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you.
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2018-10-19
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (VT)

I took over the lease of this vehicle from another man. The subject vehicle was returned in XX/XX/2017. When I returned the vehicle, nothing was said regarding any issues. Sometime later, I received a letter from Ally stating that the rear of the car or back of the car was missing and I had to pay around {$500.00} for it. I called the Ally help desk and was told repeatedly that the back of the car or rear of the car was gone and I owed Ally for it. I pointed out that were the back of the car missing it would be significantly higher than {$500.00} so none of this made any sense. I then asked to speak to a manager and they said a manager would call me. No such call was received. 
What followed was a morass of calls ( and letters ) from Ally demanding payment, with me continually stating that the back of the car was there when I turned the car in. It did not matter to the person calling, I owed Ally money for the back of the car. 
At some point ( over a month after turning the car in ) someone at Ally told me that it was not the back of the car that was missing, but rather the charging unit for the XXXX ( it is an electric car ). I told this person that I did have the charging unit. When I took over the lease from the prior lessee, he gave me the charger ( he was giving it to me with the car and I understood it was his personal property which he did not need anymore ). I was not aware that the charging unit was to be returned with the car. In any event, I told the Ally representative that I did have the charging unit and would gladly drop it off for Ally. I was told it was now too late and that I must pay for the charger ( roughly {$500.00} ). 
I told the Ally representative, and have repeated it many times to the numerous calls seeking money from me, that I was glad to return the charger but would not pay for it. Since Ally did not tell me what the actual problem was for well over a month, I was not paying for a charging unit when your firm told me that I owed Ally for the back of the car. 
The upshot of this is I recently tried to get a loan from XXXX on my home. While I would normally not have had a problem getting a loan, this issue with Ally regarding the lease of the subject vehicle is significantly and negatively impacting my credit score. The amount of the loan was limited, and according to XXXX, I was now paying 88 more basis point for the loan due to my credit score having fallen more than 200 points. The reason for the credit score falling was Ally reporting me as delinquent on this loan. This is all in spite of the fact that to XXXX knowledge I had no other payment/credit problem in my life ( I am not a young man ). 
If you check both written correspondence as well as the many recorded ( by Ally ) telephone calls you will find what I am telling you is accurate. I ask my credit score be fixed. I am, as always, more than willing to return the vehicles charging unit..
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (GA)

Second Complaint - The deferment has not been placed on my account as promised on XX/XX/2020. I made all of the payments as promised. I called Fay Servicing on XX/XX/2020 to find out a late fee was placed on my account. I spoke to XXXX XXXX and asked to speak to XXXX XXXX, VP and to no avail. The need for a full investigation is needed in order to make sure Fay Servicing is following the law is needed in order to protect Consumers doing this Pandemic. I do not want my credit affected by the negligence efforts by Fay Servicing. I'm demanding late fees and late payments be removed immediately.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

MY PERSONAL INFORNMATION WAS STOLEN BY AN UNKNOWN PERSON TO OPEN CREDIT CARD FRAUDULANTLY ON MY NAME THAT WAS USED AND REMAIN UNPAID. IT IS AFFECTING ME FROM GETTING CREDIT AND RAISED MY CREDIT USAGE TO MORE THEN MOXIMUM THAT GET MY CREDIT SCORE TO GO UP. I WOULD LIKE TO HAVE THAT DEBT REMOVED FROM MY CREDIT FILE PERMANANTLY.
Consumer complaint received 2019-06-11
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Hillcrest Davidson & Associates (CA)

Hillcrest Davidson and associates is an unfair foul practice company causing stress in my life ... i do not owe this company any debt they claim i do, they wont provide with any information i request regarding this debt, i asked them to stop calling me and my property management, which they haven't stopped the calls and the threats even after telling them to stop calling, this company has harassed me, XXXX profiled me, used foul language, and threaten me with in quote " we will release the dogs if you do not pay! " the amount they ask for is never the same with misleading information. 

they contacted people not related to this matter. they have used my phone number and other random numbers to call me and yell at me demanding payment they have trolled me day in day out with this matter i do not owe. 

this company has been detrimental to my life!
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to Transunion, XXXX, and XXXX regarding fraudulent accounts reporting on my credit in XX/XX/2022. I sent them a letter with an affidavit and my identification. It's now been over 60 days and I haven't received anything. There has been no removal of the accounts.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (SC)

On XXXX I tried to use my debit card which was declined. I contacted the bank to find out what the issue was and was told my account was frozen due to an XXXX loan and that I needed to speak with security on Monday. I contacted the security department this morning only yo be told that they received a call from a federal agency to freeze the account. The agent also stated that they can not due anything until they receive a subpoena. She also stated that she could not provide me with an additional information and that there was no time frame as to how long it would take for my funds to be released. She verified that my business was legimate and registered with the Secretary of State.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, TransUnion, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2021-02-15
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: DISCOVER BANK (CA)

Sir/Madam, I am writing this letter about my credit card account my name XXXX XXXX XXXX and i live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX.. my previous address was XXXX XXXX XXXX XXXX XXXX ca XXXX With due respect I would like to state that on XX/XX/2020 I requested for freezing my discover card account due to identity theft because someone is pretending to be a worker from the XXXX and tricked me into giving my details..
Consumer complaint received 2022-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX are governed by 15 USC 1681. And they violated my rights numerous of times. 

I demand the accounts listed below be removed because they are fraudulent and open without my knowledge or consent. 

XXXX  XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inaccurate information and unauthorized inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TN)

XX/XX/XXXX - XX/XX/XXXX. 
Simple bank transition to BBVA. Since the transition on XX/XX/XXXX, I no longer has access to my checking account or savings account. When logging into my account, it says " error occurred '' and " Mobile/Online banking service is locked ''. 
I called XX/XX/XXXX and was on hold for 1 hour, only for the system to hang up on me. I called multiple times, all with the phone hanging up on me. 
I called again XX/XX/XXXX, only for their phone lines to be shut down. 
I called several times XX/XX/XXXX, was on hold for 2 hours total, only to still not be able to reach anyone. 
I am locked out of my accounts and have no access to my money.