davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-22
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. (GA)

Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their apple pay/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Consumer complaint received 2022-08-12
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. (MN)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

Account name CONVERGENT OUTSOURCING has report this debt to all credit agencies. This acct has no balance, I also spoke with XXXX who stated there was nothing due when I closed the account. 

XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2021 Status Collection account. {$360.00} past due as of XX/XX/2021. 
Status updated XX/XX/2021 Balance {$360.00} Balance updated XX/XX/2021
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: EAST WEST BANK (AZ)

XX/XX/XXXX Fraudulent wire transfers were made out of my checking account {$29000.00} {$19000.00} When these transfers were pending I immediately called XXXX XXXX told them they were NOT authorized or done by me. Went into XXXX branch and cancelled comprised account/debit card and opened new account. 
Contacted the local police and filed a report victum report against the XXXX persons who conducted the wire transfers. 
Went bank into XXXX bank with identity theft report, police report, wire transfer detailed transactions with persons names etc. Faxed those to XXXX XXXX department. XX/XX/XXXX & XX/XX/XXXX I hadn't received any contact from XXXX XXXX regarding status of getting my money returned. So I called XXXX XXXX Customer service. XX/XX/XXXX they told me they were trying to get the stolen money back from EAST WEST BANK who processed the wire transfers. 
XX/XX/XXXX Went to XXXX XXXX once more with request form from identity theft dispute letter for my dispute funds to be returned, XXXX XXXX complaint form, and fax confirmation XXXX docs were faxed by XXXX branch XX/XX/XXXX.
Consumer complaint received 2021-04-30
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: Radius Global Solutions LLC (CA)

Basically someone stole my identity to get my credit card, The thief called in and cancelled my credit card as lost or stolen and requested a new credit card to another address that I don't even live or have lived. 

XXXX 's had called me ( for security reasons ) and told me someone was calling on my behalf I also remember exactly telling them that no one should have called on my behalf and I haven't called them and clearly told them to stop communicating with someone else or from another phone number then they continued working with the thief and he or she got my credit card since he or she cancelled mine and requested another one to another address, Also when I called XXXX 's and I wanted to check where they sent the new credit card to they told me that for security reasons they could not tell me that type of information all that I got was that it was to a XXXX XXXX address, The thing is that I have never lived on a XXXX XXXX address, Also they had a copy of an ID that started with a XXXX but my ID starts with an XXXX. 

I've tried everything to get this taken care of by trying from calls to disputes and complains and they're still supposedly proving this to be mine for some reason and not only does Radius Global Solutions ( the collection agency ) want to charge me {$2600.00} Dollars but they are also reflecting on my credit report and its affecting me on my credit report and score. 

If they do not take any further action and fix their mistake I will sue both companies.
Consumer complaint received 2018-07-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

We have been paying our XXXX mortgage payment, every month on the XXXX of every month for nearly 9 years. 

Recently, we have a competency issue with the XXXX mortgage division regarding knowingly taking an extra mortgage payment in XXXX, on XX/XX/XXXX, after we sent our payment by check for the same amount ( {$3500.00} ) on XX/XX/2018. ( all proof of the " 3 mortgage payments in 2 months '' with bank statements ) is attached. ( The only reason why we mailed a payment in XXXX, was because the Settlement company for the people buying our house called and ( WITHOUT NOTIFYING US, XXXX bank must have (?? but no one told us ) changed our auto-pay date to the XXXX of the month. 

PLEASE NOTE : We did not complain about the extra payment in XXXX, we saw that we were paid for XXXX in XXXX Bank Mortgage 's system until XX/XX/XXXX. This appeared to cover the XX/XX/XXXX payment then. Imaging our shock in the morning of XX/XX/XXXX when I saw that XXXX bank was swiping an XX/XX/XXXX payment then from us on XX/XX/XXXX! 

We immediately called XXXX Bank Mortgage on Monday night XX/XX/XXXX and the call was difficult because of their rude staff, who blamed us for their mistake. Finally, we were transferred to a supervisor, who promised to return the mistaken extra payment for XXXX within about 6 days. 

Today is Friday XX/XX/XXXX and another rude person from XXXX Bank Mortgage called us ( XXXX and XXXX XXXX ) and advised that they should not have to return our extra payment!! We did tell them that our house is under contract and expected to close XX/XX/XXXX, however that is 11 days away and a different issue! 

Why does XXXX bank want 13 payments from us this year instead of 12 and what in the law allows them to take our payment for XX/XX/XXXX when, according to our bank records attached our XXXX payment was made on XX/XX/2018. 

Please make sure that by Monday XX/XX/XXXX that our {$3500.00} is ABSOLUTELY REFUNDED to our XXXX  checking account that ends in -- XXXX as we were promised already on Monday night when a supervisor at XXXX Mortgage promised us. We have been loyal an excellent paying customers for 9 years, and we deserve to be treated right and within the terms of our agreement with XXXX. 

Thanks! - XXXX and XXXX XXXX
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

Application was submitted for me and an additional card holder, card was approved however American Express has failed to complete my request citing no information as to why I am unable to add an additional card holder to MY account. I called customer service several times and was told it was a glitch in their system or an uncompleted part of the application, was asked to provide my additional card holder information including date of birth and SSN number. SSN number should not be required to add an additional card holder to an account which no other bank does. I have repeatedly told American express that due to their failure to abide by this request that I do not want the account and would like it to be scrapped from my credit report and closed immediately. As a retention method the CSR put in a second request saying there should not be a reason why their new accounts team can not process the additional card. I have received my card in the mail via XXXX track # XXXX XXXX XXXX XXXX XXXX XXXX. The new card has been sent back via USPS 3 day priority mail.
Consumer complaint received 2018-07-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX  2. XXXX XXXX

3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX  9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This is regarding my BOA Visa Card - XXXX. We frequently receive this very attractive offer for 0 % offer cash for a set amount of time. 

We take advantage of the offer, and still want to use the visa card that ends in -XXXX for purchases, knowing that I have to pay ALL purchases off every month form the prior months statement, with some of the Cash offer being carried for the term. 

Often, Bank of America Visa calculates interest on purchases which is not disclosed as part of the 0 % Cash offer. See attached statements and Letter to BOA regarding paying 100 % of our purchases and NOT carrying balances at all for purchases, in fact we pay off some of the cash offer borrowed earlier. 

We only ask for what's fair and in their favor appears to be {$84.00} that needs to be returned. We no longer use the card for purchases and we think that Bank of America should advise that customers who take cash advances not use their card for purchases unless they want to be charged interest. It does appear to be a mistake, as other credit cards that we have 0 % cash offers with with purchases being made & paid off every month have not had this issue. 

The Advertising offer mentions nothing about using the same card for purchases. Please see attached.
Consumer complaint received 2020-04-22
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. (NY)

( XXXX XXXX XXXX XXXX ) was disputed back in XXXX and XXXX XXXX XXXX but still shows on Experian date last updated on XXXX XXXX. This a violation of FCRA rules for not following through with sufficient reinvestigation. 

Please see attachment ;
Consumer complaint received 2018-07-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Express Recovery Services, Inc. (UT)

Express Recovery Services operating in XXXX XXXX XXXX, UT reported outstanding medical bills to the credit bureaus in early XXXX. I never received any contact from original creditor or from the collection agency. They have violated FDCPA 809 ( a ). I found out about this when I pulled my credit mid to late XXXX. When I called Express Recovery Services to get more information I was told over the phone that if I didn't pay I would be sued. I requested a pay for delete from my credit report, but they have not removed this from my credit. It is listed as Paid with still negative impact on my credit.
Consumer complaint received 2018-07-20
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. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX.

3 XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX 9. XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.
Consumer complaint received 2022-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

On @ XX/XX/2022 I received a letter from moneygram stating they had a refund and that I had to contact them or the money would be sent to the state of ky. I have spoken to them 5 or 6 times over the next @ 4 weeks, each time they give me a different story. The letter is attached. The original reference number was closed by them and a new number issued XXXX. 
Please help get me the money ( {$3900.00} ) they say they owe me. 
Thanks XXXX XXXX
Consumer complaint received 2021-09-22
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. (GA)

Dear To Whom It May Concern, On XX/XX/XXXX, I have contacted XXXX about un-authorized payments made and un-authorized charges made on my account. I have provided detailed information and all the charges that were not authorized. Someone had hacked my online account and added the card to their XXXX XXXX/online charges. When I notified XXXX they disputed all the wrong charges : which caused all of my merchants that were on auto-pay to be owed again. They apologized and attempted to sent the money back to the merchants that were authorized. With Speaking with them again on XX/XX/XXXX, I have spoke to another representative to have the correct charges disputed. At that point I have closed my account to make sure not other charges go through. With the ATTEMPTED correct dispute. I have waited another 60 days and they have denied my claim. Un-Authorized payments and charges were made on this account and they kept denying my claim. I offered to file a police report and XXXX on XX/XX/XXXX said it wouldn't have mattered. Complete mess, My limit was {$3200.00} and it shows I owe over {$14000.00}. Explaining the situation again they wanted to set me up on a hard-ship payment plan which they did for 60 months. I am not responsible for the mishandling of this account by the fraudster or the bank. This has been a total nightmare dealing with this bank and trying to get this account resolved. On XX/XX/XXXX, I called 3 times and got hung up on. Attempted to speak with a manager for a settlement ( even though these charges are not mine ) except the ones that were for my bills. They told me no settlement is available and I made these charges. Why would I rack up {$14000.00} of debt if my limit is only {$3200.00}. My account prior to this summer was paid on time and kept a low balance. I have been treated so bad and this is ruining my life. I am tired and stressed about this situation and don't know what else to do. I received a call back from a supervisor named XXXX on XX/XX/XXXX. She stated she doesn't know why I was held responsible for these charges but can not settle. They don't have that option anymore. I will provide a police report or anything to have this account situated. I have been dealing with this for almost a year. They told me they can file a complaint but that wouldn't do anything. I told them I would go with the CFPB and possible an attorney she said it did not matter they can't help. I am not sure if you can help but this is driving me insane. Please assist me in this matter.
Consumer complaint received 2020-10-25
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with BOA they had originally agreed to remove the delinquency.
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MN)

Back last Tuesday ( XXXX-2018 ). XXXX XXXX was in contact with a what she thought was a company to help get her credit up to get a vehicle. So she was in contact with s lady and they got access to the mobile app on the account. they deposited a check and told XXXX XXXX to pull cash out and send back and it will help raise your credit. so she did. that's when i found out this happened and changed my accounts immediately and had new ones opened. USAA said they had there fraud department look into the issue and said that there was no fraud that happened. which is obviously wrong. XXXX XXXX filed a police report and that number is as follows : XXXX and was filed with XXXXXXXX XXXXXXXX PD. They told her that that was the second case this week and she filled that on monday. They have now told her to file it with XXXX county also.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

i called Equifax about an inquiry on my credit report i didn't apply for credit with this company. They are unwilling to help me. the inquiry was from XXXX XXXX XX/XX/XXXX XXXX i want this deleted from my credit report because i didn't do it.
Consumer complaint received 2021-09-20
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. (WI)

I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.