davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

I sold two tickets for {$500.00} to a Venmo user for an event on XX/XX/21. The user attended the event and then disputed the payment on XX/XX/21 to also take their money back. I was not notified until Venmo defaulted judgement against me on XX/XX/21 and took money from my account. All that was there was {$20.00}, but they are attempting to collect the {$500.00} from me, and have placed my account on hold. I have reached out with emails disputing the dispute on XX/XX/21, XX/XX/21, and today, XX/XX/21. All attempts to reverse this fraudulent dispute have gone unanswered. I have also reached out to their web chat on XX/XX/21, but was told there was nothing they could do, and it needs to go through their dispute email address.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Opened XX/XX/2016 account closed because I switched carrier. And they reported a derogatory mark on my credit history report. I wasn't notified this was going to affect my credit history because if I was u would of made sure I set up some sort of payment plan to avoid bad credit.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2020 I reached out to XXXX XXXX XXXX XXXX in regards to incorrect data listed on my credit report. I did a dispute and asked for proof that I wasnt behind and my correct balance. Because I made a complaint, they reported my payment as being late again despite a letter from their own branch XXXX stating I wasnt behind. I spoke with several people about this and I was told it would be handled, only for my credit report to get hit once again saying Im late when in fact I was not from their own mouths. The data is incorrect, the balance is incorrect and I believe I am being purposely attack because I made the initial complaint. They also investigated my account and found that I was being charged for XXXX when Ive had insurance the entire time Ive had the loan. They owe me a refund as well. No one is calling me back and Ive been transferred to several people several times only to get there is nothing they can do. I have proof they are doing this on purpose. My credit is my life and this bank has ruined my life.
Consumer complaint received 2020-05-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (SC)

I have been trying to link this account to several different money service apps I have. But have yet to be able to get any of them to connect up correctly. I need to go to the bank personally and see if I can get an account with checks. Ive been told that is what I have to do.
Consumer complaint received 2020-06-26
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: Experian Information Solutions Inc. (NY)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX XXXX XXXX XXXX/XXXX  XXXX/XXXX
Consumer complaint received 2017-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I refinanced my home in order to pay Navient my 2 student loans ( Account # XXXX ). Wire was sent from XXXX XXXX XXXX XXXX after receiving instructions from one of their customer service representatives with the wire instructions to payoff my loan. The payment was sent on XXXX the XXXX, 2017. I called the following week because my loan still showed the full balance and they told me to call another day to see if it would post. I called the following day and they wanted me to call a week from then. I told them it was a wired and it should have cleared the account the prior week because the money was in the account they give me to payoff the loan. They told me they would investigate and for me to call the following week. I call this week and they told me the request was done wrong and that I would have to wait another week for the new request to be processed. All of this while my account is still accruing interest. When I expressed my concerned about the interest being accumulated they said sorry but there was nothing they could do about it. I have the documentation showing the wire was sent out to them on XX/XX/XXXX, but they are not helping me and all they say is sorry and to keep waiting. They did not refund the almost 42,000 back to the title company, they still have it in their account and they still have my student loans open. At this point I do not know what to longer do.
Consumer complaint received 2020-05-02
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. (TX)

TO WHOM THIS MAY CONCERNED ; I MR. XXXX WENT TO XXXX, TRANSUNION, AND XXXX BEHIND THE SAME ISSUES PROBLEMS SAME ACCOUNTS THAT WAS UNDER IDENTITY THEFT, BEHIND THE SAME CAR DEALERSHIP UNDER FALSE FRAUD REPORT IDENTITY THEFT FALSE REPORTING TO CREDIT BUREAU I HAVE SENT IN THE SAME DISPUTE TO ALL THREE MAJOR CREDIT BUREAU XXXX TRANSUNION XXXX  ALL OF THESE SAME WEATHER BUREAU REFUSING TO TAKE OFF THE DEALERSHIP REFUSING TO TAKE OFF WORLD FINANCE AND SO FORTH BUT YET AND STILL ALL THE OTHER ONES ARE CAME OFF MY REPORT AND THEY'RE REFUSING TO TAKE IT OFF MY REPORT
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have contacted Transunion regarding this inacccurate information on my credit report and they have yet to remove this inaccurate info. In addition I have contacted the source in which they claim to have verified the information and that stated, in writing that they have no record of any information and no idea why Trans Union is reporting this lie. I have called them and they have given me nothing but the run around. I need help because this is adversely effecting me.
Consumer complaint received 2020-05-02
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. (IL)

FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I closed on a mortage In XX/XX/XXXX with Cardinal Financial ; I sent off my mortgage payment off in the amount of {$1500.00} every month on time ; Sometime in XX/XX/XXXX I received a notification on my credit monitoring ( which I get every 3 months due to plan I elected ) stating I missed payment for XX/XX/XXXX and XX/XX/XXXX and was 60 days late. I called Cardinal Financial immediately around XX/XX/XXXX to address the issue and found out the mortgage company switched end of XX/XX/XXXX to XXXX XXXX  XXXX which I was never informed. I informed rep I had my money order receipts showing I paid XXXX, XXXX and XXXX rent on time ; She did research and called me back XX/XX/XXXX ; during that time, a XX/XX/XXXX late had reported to my credit making it 90 days past due ; She stated she would put account in deferment status, adding late payments to back of loan and making account current again but takes a few days to setup ; A few3 days turned into weeks so around end of XXXX early XXXX, my account was current again due to their negligence to inform me that company switched yet I received no money orders back at that time ; fast forward to XX/XX/XXXX, I finally received all money orders back after providing proof and tracing through XXXX and seeing they were uncashed and sitting somewhere undeposited. My loan is now in current status but 4 late payments are ruining my credit and my ability to purchase an investment property
Consumer complaint received 2017-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (FL)

Refer to case # XXXX. Update : at my request due to distrust with Discover ( 30 year customer ) it has been found the issue was with them never changing the address and have notations as I do with all accounts showing address change request etc. After many months and hours and a file over an inch thick, XXXX XXXX XXXX has ask me to send him the information showing the address change exercise ... ..with so many hours in and conversations I first was not going to waste my time but have decided to do that and will before year end. Account has been closed at my request and notified all the credit reporting agencies, but ... ... my FICA score was never changed back and apparently from what I have been told, can never be changed even if it was not my fault! Now I am wondering with what has been discussed with the CFPB they protect the company, not really the consumer based on information recently discussed on TV from the 2008 leadership? I will also tell you this whole issue ( so XXXX looking back ) was presented and will continue to be presented to consumers and have been told a few have already contacted Discover telling them they will no longer use their accounts. This whole issue has been so disturbing and has awakened so many people ... ... ... a 30 day late payment in 30 years was given to credit reporting agencies when in fact that issue was Discover 's problem being they never changed the address! Consumer suffers. That is wrong, someone is protecting someone!
Consumer complaint received 2022-03-31
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: TRUIST FINANCIAL CORPORATION (MD)

My mortgage was transferred ( or sold ) to Truist Mortgage in XXXX of XXXX.I have made all of the required payments on time however, Truist persists in erroneously showing that my XXXXXX/XX/201 payment was delinquent.
Consumer complaint received 2021-07-06
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I received a promotional flier from Citizens Bank for the following : {$300.00} for opening a new checking account, {$200.00} for opening a new savings account with {$15000.00} in new money and retaining that balance for 3 months, {$100.00} additional for doing both. 

The applications were submitted on XX/XX/XXXX. The account was not opened by Citizens until XX/XX/XXXX. 

The promotional flier has a clear table for payout schedule. For accounts opened in XX/XX/XXXX, " Bonus will be payed by '' XX/XX/XXXX. 

I reached to Citizens Bank on XX/XX/XXXX when I noticed the promotion bonus had not been paid. I spoke with an agent named XXXX who got me to a XXXX named XXXX. XXXX explained that they would have to look into the issue and get back to me stating a manager callback would happen in 24 hours. After no callbacks for 4 days, I reached out to Citizens Bank support on XX/XX/XXXX about the issue and spoke with a different gentleman whose name I did not get. He said the case XXXX XXXX XXXX had an update from that morning saying the bonus would be paid out " by XX/XX/XXXX ''. I have yet to see the payment. Later on the same day ( XX/XX/XXXX ) I received a call from a manager named XXXX at Citizens who confirmed they had an issue with the account opening which resulting in the promotion not being recognized. When asked why the bonus payment would not be applied sooner, XXXX stated " marketing only makes the payments one day a week. '' This is a clear sign of systematic fraud by Citizens Bank to renege on their advertised offerings and to delay longer any resolution of their reneging once brought to their attention.
Consumer complaint received 2020-05-02
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2024-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (TX)

On XX/XX/2023 or the day before or after. I woke up to find my account had been hacked and used to make two purchases. One to XXXX online for {$25.00}, and the other to XXXX for {$89.00}. This was done between the hours of XXXX and XXXX while I was asleep. The next day when I noticed the transactions i called Chime ( my bank ) and requested payment be stopped and the my account had been hacked. I was instructed to let the transaction for both go through and file a dispute once both transactions had done so. I did. Around two days later the XXXX transaction was approved and my account had been credited the {$25.00}. The other dispute for XXXX took about longer so I called and asked what was going on. They told me the investigation team was looking at it and they had till XX/XX/XXXX to make a decision. They gave me the money to borrow until the decision was made. On XX/XX/XXXX they pull my money out and told me no errors had be made. This is a lie because I have never purchased anything from XXXX in my life nor do I have an account. I called Chime back multiple times and rebutted their decision over 5 times. I asked for the documents of there investigation and all they sent me was a questionnaire I answered over the phone. I called XXXX myself and acquired a service number for them to use. They could not send me anything in writing because I do not have an account with them. I did find out that the persons account used was frozen due to fraudulent transaction and my name is nowhere on it. Chime has failed to call them and has felled to give me my money back. I did everything they asked of me from day one and all they have done is call me a liar. How can you approve one transaction and deny the other for no error. Especially when I caught this the following morning and contacted them about it to stop it. Please help me this has hurt my family and I financially and emotionally.
Consumer complaint received 2017-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

We moved out of the XXXX XXXX XXXX at the end of a one year lease XX/XX/XXXX. I lived in a different apartment at the same complex prior to the new lease dated XX/XX/XXXX. 
XX/XX/XXXX : A two month written notice and a verbal notice given. All debts incurred for the apartment paid as they came due. 
There is a report at the credit bureau dated XX/XX/XXXX showing a debt of {$3.00}, XXXX. A discrepancy was filed twice with XXXX. 
I received a letter from XXXX XXXX XXXX XX/XX/XXXX regarding the discrepancy. A letter was faxed with a copy of the XX/XX/XXXX vacating letter in response to the creditor advising the debt is n't owed. 
Hunter Warfield sent a notice that the company would speak with XXXX XXXX XXXX but no response. 
The credit report shows I now owe {$3.00}, XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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
Consumer complaint received 2017-11-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (OH)

Purchased a Mastercard gift card from XXXX on XX/XX/XXXX. When attempting to use card in XX/XX/XXXX was found to have {$13.00}. Investigating I found out that this card was registered to somebody else on the website. I called the prepaid debit disputes at XXXX ( XXXX ) XXXX they sent me a form " cardholder statement of disputed transaction '' to fill out and fax back within 30 days. I filled out the form and faxed it back to the number provided on XX/XX/XXXX. In XX/XX/XXXX after not hearing anything for a long time I recalled the dispute center and was informed that they did not receive a response from me. I informed them that I did respond practically immediately to there request and that I still had the from. I was then told to refax the form which I did. I have now received a letter from them saying that they can not they will not assist me due to the fact they did not get notification within 120 days of the purchase. I did everything in a timely matter and they did nothing. The dispute case number is XXXX. The debit card number is XXXX expiration date XX/XX/XXXX
Consumer complaint received 2020-05-02
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. (FL)

this is unbelievable. I check my credit and I cant understand how someone stole my identity and get away with it they open up Credit Cards and then brought a Car using my information.

how is this possible don't every company has to do there due diligence for every customer with out my signature. all of theses Accounts are fraud and was not authorize by me
Consumer complaint received 2017-11-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CT)

Sent by certified mail on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a dispute request to both Experian and XXXX  regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by US and Fed Bkruptcy XXXX XXXX Courts. I supplied both Experian and XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XXXX/XXXX/XXXX Experian sent a new credit report with my dispute results stating the company that reported the information has certified to Experian that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. XXXX simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XXXX/XXXX/XXXX three bureau report both XXXX and Experian continue to show a bankruptcy yet XXXX has no record of a bankruptcy.
Consumer complaint received 2021-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CO)

On XX/XX/2012 I received a notification from XXXX that there was an update to my credit file. While reviewing the update it showed a collections account through National Credit System in the amount of {$11000.00}. I personally reached out to National Credit System to obtain information on this. They said that they were a collections agency and this was a collections account for rental property called XXXX  XXXX XXXX. The rep at National Credit System that there was a rental property that was completed online under my name for an individual by the name of XXXX XXXX and was never moved into. This is something that was done without my knowledge and not something authorized by me. I have attempted to reach out to XXXX XXXX XXXX to obtain information around this rental and report it as fraudulent over 5 times unsuccessfully ( 3 times via phone and lm with receptionist for management to call back and then 2 times from the site with my email as a point of contact ). I am personally reaching out to obtain information and start the process of reporting this as fraudulent.
Consumer complaint received 2017-11-27
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 — Problem with personal statement of dispute
Company: United Revenue Corporation (TX)

XXXX shows collections from United Revenue Corp for XXXX XXXX XXXX. I have called URC twice and said, send me a bill!! I always pay medical bills. This goes back six months, and I am still waiting for a bill. 

I do not think it is fair to show bad debt and not allow me a chance to even get a bill to pay. Can you help?