davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
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. (MO)

Located a loan from XXXX on my credit file that was not instituted by me. Contacted them directly by phone. They refused to acknowledge fraud and my FTC report and documentation of fraud. After receiving the loan contract when requested, I submitted a certified letter to them requesting the account be arbitrated per the contract. This was received and signed by them on XX/XX/XXXX by the authorized agent. I contacted them again on XX/XX/XXXX to ask the status of the arbitration and management hung up and on a re call they refused to take the call when a manager was requested.
Consumer complaint received 2019-08-03
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: JPMORGAN CHASE & CO. (CA)

My mother had a Chase freedom visa Card account and I was an authorized user. My mother passed away XX/XX/XXXX. I called Chase freedom visa card and told them about my mother passing in XX/XX/XXXX and faxed them her death certificate and chase told me I was not responsible for this account since I was not on the account but only an authorized user. This is now XX/XX/XXXX and I had my credit report run and found that Chase freedom visa card reported my mother 's account on my credit report as a discharge back in XX/XX/XXXX. I called Chase freedom visa card and spoke with XXXX who told me I am not responsible for this account and he has no idea how this ended up on my credit report. He would have this removed within five days and I will be sent notice of this removed off my credit report. It has been two weeks and I have not received anything in the mail as to this being removed off my credit report.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CO)

I called the agency in XX/XX/XXXXand had payments deferred on the account as I had lost my job with my employer. In XX/XX/XXXX I noticed that late payments were being reported and contacted the agency again. When I spoke with them they stated that they were fix the late payment records to reflect them being deferred. As of now I show late payments for XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2023-02-23
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: Experian Information Solutions Inc. (PA)

Three Fraud Student Loan accounts and Inquiries appearing on my credit report appearing on my credit. 

XXXX. XXXX XXXX. XXXX XXXX. XXXX
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XXXX XX/XX/2022 -XXXX  XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XXXX XXXX XXXX  XX/XX/2022 -XXXX  XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX  XX/XX/2022 -XXXX XXXX  XX/XX/2022 -XXXX  CA XX/XX/2022 -XXXX  XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX -XXXX  XXXX XXXX -XXXX  XXXX  XXXX -XXXX  XXXX  XXXX -XXXX  XXXX XXXX -TXXXX XXXX XXXX XXXX -XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-12-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: GREAT LAKES (TX)

I am currently going through economic hardship, I am struggling to repay my student loan. I have already reached out to my student loan lender ( XXXX XXXX XXXX ). Since XXXX 2017 they have been unable to cooperate with building a repayment plan with me. However recently after many months, I have finally come to an agreement with XXXX XXXX XXXX with am income-driven repayment plan. However, this does not include my negative effects on my credit score ( payment history ). This is negatively affecting my chances dramatically of acquiring a financially stable employment status which requires a credit check from all sectors within my XXXX XXXX XXXX. In other words, I cant successfully acquire a job with my degree because it requires a credit check.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

On the XXXX of every month I have an automatic external transfer done from my people 's united bank checking account to my XXXX  checking account. People 's withdrew {$1100.00} from my checking account on XX/XX/22 for my external transfer to XXXX XXXX. XXXX should have received it XX/XX/22. Effective XX/XX/22, Peoples transitioned over to M & T bank. As of XX/XX/22, XXXX still has not received my XX/XX/22 external transfer from Peoples bank. I have been to Peoples/M & T bank since they reopened on XX/XX/22 ( the transition occurred all XXXXXXXX XXXX weekend ) every day asking what the problem is and all they say is that they are looking into the issue, they can't get the history because it was done while under Peoples realm, they don't have any tracking number for this external transfer and they have no idea where the {$1100.00} went. XXXX XXXX  says they don't have anything in their system under my name, address, account number or social security code so it never went to XXXX XXXX. It's now been 14 days since this transfer was done and no resolution has been reached.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (LA)

In the past two days, I've received three voicemails from Medicredit stating that I owe a past-due debt to XXXX XXXX XXXX, although I paid all of my co-pays directly to XXXX. I haven't visited the medical center since XX/XX/2018 and the last bill I received from XXXX was {$100.00}, which was paid in full to the medical center. Since then, I've gotten calls -- sometimes, daily -- that show up as " Account Services. '' Today, after checking my voicemail, I was able to distinguish a connection between some of the random phone numbers and Medicredit.
Consumer complaint received 2019-08-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AL)

Mortgage is an adjustable rate subject to periodic changes in monthly payment amount ( +- ). Payment ( s ) have been made each month since XX/XX/XXXX. Payment amount scheduled to change for XX/XX/XXXX payment. No statement was received for XX/XX/XXXX and payment was submitted in the previous statement amount of {$320.00}. This resulted in short-payment of {$8.00}. PNC Bank retained this money ( payment ) without posting it as payment and then they generated a check on XX/XX/XXXX in the amount of {$320.00} that was returned as a short payment ( indicating they were unable to post a partial payment ). This check was received on XX/XX/XXXX and was immediately taken to the local PNC branch to make payment. Payment was made using the check generated by PNC and a cash payment of {$8.00}. Cashier indicated the account was paid current as of that transaction on XX/XX/XXXX. 
While applying for a loan with another bank, was informed that based on this transaction, PNC Bank generated a late payment report that was sent to the credit bureau ( s ). This " misinformation '' has negatively impacted our ability to apply for credit and be approved for prime rates. This needs to be corrected as soon as possible, since payment was made and not posted. As of this date, PNC has declined to correct this credit information. Obviously, this is a misrepresentation of what actually occurred. 
Clearly, the payment was made and not credited to the account, due to the {$8.00} difference. It defies logic that a financial institution does not have the capability to post an underpayment, or even an overpayment, but can retain the money until they see fit to return whatever amount it is and claim that payment was not received in a timely manner. 
I am XXXX years old and have NEVER, since I was XXXX  years of age been late or defaulted on ANY credit agreement and I can not believe that PNC Bank is refusing to correct this misinformation.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2021 I paid XXXX XXXX {$190.00} for my first months premium on a new Marketplace policy. XXXX claimed I never paid this amount, although I sent them my bank statement as proof of payment. They proceeded to cancel my insurance and refused to refund my money. I contacted Wells Fargo Bank and disputed the transaction and was told that since I initiated the payment they could not refund my money. This seems ridiculous and should not be allowed to happen. I have all of my documentation to prove that a : I paid the premium and b : XXXX cancelled my policy.
Consumer complaint received 2020-12-08
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. (FL)

am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached, he following items do not belong to me and is a result of fraud that I did not authorize.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (OH)

I had a Discover Miles account, final number XXXX, which was closed on XX/XX/2019 because it was included in BK. The BK case was discharged on XX/XX/2019. The account has been fully discharged. In XX/XX/2019, with the account terminated and discharged completed I received a refund from XXXX on XX/XX/2019 in the amount of {$120.00}. Now with the account closed I need to receive the refund from XXXX which is rightfully mine. I have tried all channels of communication, and I am not getting Bank cooperation on this topic.
Consumer complaint received 2021-02-05
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: CITIBANK, N.A. (WA)

On XX/XX/19, I purchased flights using my Citibank Costco rewards credit card for {$3500.00}. After the flights were cancelled and I was unable to get a refund from the merchant XXXXXXXX, I disputed the charge. Citibank never contacted me to get additional information and closed the case in the vendor 's favor. On the XX/XX/XXXX statement, we paid the {$3500.00}. On XX/XX/XXXX statement, we were charged again the {$3500.00}, an error on Citi 's part. Therefore, Citi has charged me twice. Attempting to resolve this seems to be intentionally difficult. Moreover, the Department of Transportation ( Case # XXXX ) contacted XXXX to refund the money for the tickets which is in process. I have called at least XXXX separate times for an hour each to Citibank to address this situation which is abundantly clear that they made an error. Now, because of their reticence to remedy the situation, I will need to make the full payment to avoid interest charges. Truthfully, I believe that Citibank is intentionally attempting to keep the money and find their business practices unacceptable. I will effectively be out of pocket XXXX {$7000.00} until this is resolved.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : The following accounts contain innaccurate information. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Consumer complaint received 2017-12-21
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. (CA)

Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Consumer complaint received 2019-08-15
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. (GA)

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX XXXX XXXX and XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility..I spoke to a representative for Experian by the name of XXXX she failed to giver her last name the only thing she stated was I am on XXXX  XXXX they will know who I am and she failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this.
Consumer complaint received 2019-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I had communicated with a woman XXXX XXXX who was to send me two tickets to XXXX in XXXX RI. I was purchasing said tickets for my son 's birthday gift and had already arranged plane tickets, hotels, ect. 
After I sent the second payment to XXXX XXXX, her supposed husband to this email address : XXXX, she completely deactivated her XXXX account and deleted all messages containing ticket information. 
I immediately tried to cancel the transaction, and thought I had done so with my bank, XXXX. However, the money still came out of my account the fradulant woman was paid. I was able to get one of the two payments sent to the woman returned, however, this payment of {$78.00} was not able to be recovered. 
I contacted ebay, they did nothing to recover the funds, and I contacted XXXX to get the woman 's information. None of these actions did any good that is why I am now reporting it to you. 
Please assist me in getting these funds returned. It may not seem like alot of money to some, but at this time I am unemployed and truly need it. 
Thank you, XXXX
Consumer complaint received 2017-12-21
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. (FL)

XXXX XXXX ran a credit report for a loan without my consent, never the loan results was consulted with me, and I was not interested in any of their stuck vehicle. This wil result in lowering my credit score. Was informed by XXXX XXXX
Consumer complaint received 2020-12-08
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. (GA)

There are several issues with my credit report that has taken in excess of 120 days way beyond the thirty days. It should only take 30 days to investigate the issues with my credit reports and request.
Consumer complaint received 2021-02-05
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. (OH)

compliant number XXXX this is my second complaint and it is a major issue with it has been more than 30 days.This is the second time I have disputed this account under the FDCPA and FCRA 609 and 611, 605b please remove deleted the following account : XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I have contacted Equifax numerous times regarding fraudulent account reporting on my personal information. I have been a victim of identity theft and following account is a result of me falling a victim of a victim of this crime. My social security was compromised when I got my mailbox broken into many times. I am a XXXX year old men and I have never opened any account with a company called XXXX XXXX XXXX nor gave anyone else the permission or the authorization to use my information. I have contacted Equifax to correct my credit report by removing the fraudulent account from reporting on my credit file, by sending them Identity Theft Report with attached my social security number and ID. Equifax never conducted a proper investigation. I have requested their method of verification from Equifax and from XXXX XXXX XXXX  but never received anything from neither of the company. I am making an attempt for you to clear up this matter. The reporting account with XXXX XXXX XXXX is a result of mail fraud, please help me resolve this misunderstanding.
Consumer complaint received 2022-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

XXXX stated : " Navient will be able to determine the origins of all of your loans. XXXX does not have that information. Navient should also be able to provide histories from the XXXX forward. '' Name of Owner Loan Program Date Disbursed Principal Balance Outstanding Interest Dept of Educ XXXX XX/XX/2017 {$78000.00} {$0.00} Dept of Educ XXXX XX/XX/2017 {$63000.00} {$80.00} Navient refused to provide the origin of these loans.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

All times are in Pacific time zone.

( Tues,XX/XX/XXXX at XXXX XXXX  ) From my XXXX XXXX account, I sent an outbound wire to XXXX at XXXX XXXX onXX/XX/XXXX for the amount of {$21000.00} USD. The time is before the cutoff time of XXXX XXXX and I also checked with my bank that it was sent successfully.

( Tues, XX/XX/XXXX at XXXX XXXX ) I open a support ticket with XXXX ( Case # XXXX ) with the following message : I have verified that the wire was sent to XXXX at XXXX on XX/XX/XXXX( for the amount of {$21000.00} USD ), which is before the cutoff time and I also checked with my bank ( XX/XX/XXXX ) that it was sent successfully. However, I am still not seeing the funds in my XXXX  account. My understanding is that if it 's sent before XXXX it would appear in the same day. Can you please take a look into it?

( Wed, XX/XX/XXXX at XXXX XXXX ) I receive an email from XXXX about a message : ATTN YR ABOVE REF, WIRE DTD XXXX IAO XXXX PLEASE BE ADVISED OUR COMPLIANCE DEPT HAS REQUEST FULL NAME, MAILING ADDRESS, WHAT DO THE INITIALS TSS STAND FOR OUR XXXX NO INDEMNITY INTENDED. AVOID DUPLICATION. REGARDS It appeared that I had put the wrong name in the recipient 's name field. Instead of putting Coinbase, Inc, I put my own name. I realize my mistake and I ask the agent to send an addendum to the wire.

( Thu, XX/XX/XXXX at XXXX XXXX ) I receive from XXXX the Bank Ref number : XXXX

( Thu, XX/XX/XXXX at XX/XX/XXXX) I include the Bank Ref number in XXXX XXXX  support ticket ( Case # XXXX ).

( Tue,XX/XX/XXXX at XXXX XXXX ) I add a note to XXXX XXXX support ticket ( Case # XXXX ) with the following message : It is XX/XX/XXXX and I have yet to see it deposited in my account. This is extremely frustrating that I am not getting any response from the support team. Can someone please look into it?
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

XXXX XXXX XXXX company insists I 'm the owner of the property where somebody did n't pay gas bill. I am not the owner of the property and I have never been .I tried to resolve the issue with the company 's representative but the lady was very rude. This is the worst utility company.