davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
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. (DE)

The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX XXXX : XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX Transunion : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAC Services, Inc. (OR)

Debt collector served small claims court papers. I called to ask for proof the debt was mine and they couldn't provide it. I was told the case was being dismissed, and received paperwork today that shows 2 days after I got the email saying it was being dismissed, they went to court anyway- knowing I was under the impression it was dismissed. My husband was included and even if it was mine- we were not married at the time, which I told XXXX XXXX the phone, and he responded by assuring me that my husband would be removed. 

Commercial adjustment company XXXX XXXX XXXX XXXX, oregon XXXX Date was told it was XXXX XX/XX/2021 XXXX they went to court- XX/XX/2021
Consumer complaint received 2020-01-27
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: LEXISNEXIS (GA)

Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2022-08-17
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15 U.S.C 1681 section 602 A State that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also States consumer Reporting Agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (CA)

Hi, Transaction details : This claim is regarding the Transfer No. : XXXX XXXX XXXX XXXX from XXXX. The money transaction is made to a different bank than what was provided in recipient 's details. Transaction details are as below : Submitted : XX/XX/2018 XXXX PM PST Currency : INR Available : XX/XX/2018 XXXX AM PST, XX/XX/2018 XXXX PM IST Payment Method : XXXX XXXX XXXX, NA Acct. ending in XXXX Amount Sent : XXXX XXXX Fee : XXXX USD Total Amount Charged : {$2000.00} USD Net Recipient Amount : XXXX INR Exchange Rate : XXXX USD = XXXX INR Recipient Bank Details : The account number of Recipient was incorrect. But the IFSC code and Bank name were all entered correctly. Upon checking with recipient bank they mentioned that the money is transferred to a different bank. I am not sure how the IFSC code was ignored and the money was transferred to a different bank. 
Recipient 's Bank details are as below : Bank : XXXX XXXX  XXXX Info : XXXX, XXXX IFSC code : XXXX -- correct Claim Details : I logged a claim on " XX/XX/2018 '' which was 8 days after the transaction was complete. I was initially given the case number as " CaseId - XXXX '' but this case number no longer exists. Here is the new case reference number # XXXX & XXXX. 

The agent 's response has always been that " they are waiting for the partner bank to respond ''. Its been 9 days and the fact that XXXX was not able to establish any communication with the partner bank, scares me. I fear loosing my money. Please help and Advise.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (NC)

This is now my 2nd complained with the Consumer Financial Protection Bureau for this issue. I told you all last time Wells Fargo was intentionally lowering my credit limit due to a " late payment '' on my credit card account which was due to covid and their call centers being closed. My account is current and has always been current. My credit history is perfect, but after this 1 late fee I called Wells Fargo multiple times, including their executive office, but they would not refuse the late fee. 

I then filed a complaint w/ theXX/XX/XXXX. After the XXXX XXXX XXXX investigation, Wells Fargo lowered my credit limit from {$11000.00} to {$8300.00}, then I filed a complaint with the CFPB. After that complaint, they lowered my credit limit to {$6400.00}. I then filed another complaint w/ the XX/XX/XXXX and what do you know, my credit limit has now been lowered to {$5100.00} which is RIGHT above my current balance of {$5000.00} as of this complaint. 

So now for the 3rd time, I've been intentionally targeted in having my credit limit lowered thus hurting my credit even more. I'd like to speak to someone at the CFPB or my next steps are to call my Congressman because Wells Fargo at this point is being CRIMINAL. I give the CFPB permission to pull my credit history, run a hard check if you must. You will see 0, I reiterate, 0 missed/late payments throughout my report. I have 12 active accounts, 0 issues EXCEPT for WellsFargo. 

I'm looking to have the late payment removed from my credit report, and would like to know my options at this point for pressing charges as this is obviously DELIBERATE attacking of my credit at this point.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I tried to open a bank account with XXXX XXXX XXXX XXXX. They denied me, they told me contact XXXX XXXX So I ordered my XXXX XXXX Report. I saw that it said that I was suspected fraud activity. The charge amount was {$2000.00}. 

It also states that at the time of this happened I was living at XXXX XXXX XXXX XXXX, GA XXXX. I have never resided at that address before, nor do I know anyone that lives at that address. 

I have been homeless 15 out of the last 16 years. I would never and have done anything like that before. Someone stole my Identity in 2016 from a XX/XX/XXXX shelter. I repeat I did not open that account with Bank of America. I'm trying to get my life back on track with the help of family and organizations. I ask that you help me navigate my way getting me out of this situation.
Consumer complaint received 2022-02-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXXXXXX / {$1000.00} XXXX XXXX/ XXXX / {$0.00} XXXX XXXX XXXX/ XXXX / {$9100.00} XXXX  XXXXXXXX XXXX/ XXXX / {$440.00} XXXX XXXX / XXXX / {$2900.00} XXXX XXXX XXXX/ XXXX / {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2021-12-01
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: SYNCHRONY FINANCIAL (NJ)

I did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX Lowes XX/XX/2020 XXXX
Consumer complaint received 2022-11-20
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello. This account XXXX  XXXX Account number : [ XXXX ] was opened by my husband for himself as reported in XX/XX/XXXX ( I'm only an authorized user ). 

However after asking that the payment history and dates be updated and corrected ( on XXXX XXXX, they have again all reported differently from all 3 bureaus. The bill has been paid by due date every month since he's gotten it. 

But, there are many violations on the credit report when comparing XXXX 's credit report to XXXX 's credit report because XXXX has completely deleted every record of having an account now according to my XX/XX/XXXX credit report pull. Which makes it a complete violation to report anything on the payment history, with no reportings showing for an account at all from that bureau. It has also been over 30 days again. 

I am aware that all XXXX bureaus must show the same reportings line-by-line on a credit report, or it's considered a violation. And According to the FCRA everything must be 100 % accurate. ( According to the CFPB bulletin on XXXX XXXX ) theres a requirement from the FCRA for CRAs to investigate all relevant information regarding a dispute. And there were XXXX things listed as requirements that has not been upheld regarding my credit safety as a consumer and citizen. 

I'm dealing with adverse affects because of my credit now because of me disputing and trying to get a fair credit investigation. My credit score has dropped a lot within the past month. And me and my family have not been able to obtain our own housing now. So the address that was on file previously is no longer ours. 

15 USC code 1681n ( a ) ( 1 ) ( A ) I'm requesting monetary relief and proper corrections to the account. 

Tracking numbers : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc. (TX)

I have made multiple attempts to rectify this problem. Under federal law, a debt remains on a credit report for a period of seven ( 7 ) years from the date of issue ( 15 U.S. Code 1681 ( a ) ( 4 ) ). This debt has been reporting since XX/XX/2015, with no resolve.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

I filed a CFPB compliant case number # XXXX against XXXX XXXX XXXX XXXX and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that One Main Financial is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both XXXX XXXX and One Main Financial.
Consumer complaint received 2022-11-20
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. (FL)

The company XXXX XXXX XXXX account XXXX gave false information on my credit report stating that I have multiple late payments. I personally email XXXX customer service to correct these false information.Also I stated to XXXX I made these payment I have screenshot proof and I personal feel that XXXX purposely delayed my payment process just because I previously contacted the CFPB about there false statement earlier.I feel like I am being targeted because I spoke my mind.I also have documents supporting my statement attached.
Consumer complaint received 2021-12-01
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: Main Street Holdings, Inc. (SC)

I did not recognize the hard inquiry on my credit report from Rock Hill Financial on XX/XX/XXXX, so I wrote them a letter on XX/XX/XXXX advising them to investigate this item and remove it from my credit if they are not able to validate it. However, I also asked them that if they were able to validate it, then to please provide written proof and a description of how the investigation was conducted. 

On XX/XX/XXXX I received a call from XXXX at XXXX telling me that I gave them authorization to pull my credit on XX/XX/XXXX over the phone when I applied for a loan. I asked her to please send me proof of that and she told me that she did nothing wrong and hung up the phone. 

I did not authorize this company to pull my credit report at any time.
Consumer complaint received 2021-09-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received a text message claiming fraud alert from my bank account saying someone tried to XXXX  {$2000.00} and it said reply yes if this was you or no if this was not you so I replied no and a couple minutes later I received a call with the chase customer service number and he said to avoid the money being drafted I basically had to XXXX my money to myself so he had me create a XXXX account with my email address to send the money to myself and I told him I didnt even have that amount so he said just transfer what you have which was {$410.00}, so the money was taken out of my account and I never got it back and then he just ended the call. My bank said they would not refund my money because I was scammed.
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent the credit bureas letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (TN)

MY ACCOUNT WAS CLOSED BY CHIME XXXX XXXX I WAS ADVISED TO SEND DOCUMENTATION TO BE FURTHERED ASSISTED IN RETRIEVING MY FUNDS FROM THAT CLOSED ACCOUNT ( I SENT EVERYTHING THEY ASKED { FULLY IN COMPLIANCE WITH A CHIME MEMBERS GUIDELINES } I HAVE BEEN IGNORED AND I HAVE RECEIVED NO EXPLANATION OR RESOLUTION FOR ME OBTAINING MY FUNDS I HAVE MADE MANY DESPERATE CALLS FOR HELP NO ONE HAS DONE ABSOLUTELY ANYTHING TO HELP MY SITUATION MY ACCOUNT CONTAINS ( {$1500.00} ) OF MY HARD EARN MONEY AND I WANT ACCESS TO IT IMMEDIATELY I AM GETTING ADVICE FROM LAWYERS AND MAKING POLICE REPORTS BECAUSE CHIME IS TRYING TO STEAL MY MONEY I AM FACING EVICTION WITH A SICK CHILD ( I WILL HAVE A NEWS STATION TO COVER MY STORY ) I HAVE EXPLAINED THAT TO CHIME MEMBER SERVICES AND I STILL RECEIVED NO SENSE OF URGENCY OF CARE FOR MY FAMILY CHIME MEMBER SERVICES HAS COMPLETELY STOP RESPONDING TO MY EMAILS AND ALSO HAS BLOCKED NUMBERS I HAVE ACCESSED THEM ON CHIME HAS CAUSED ME SURE STRESS AND CAHOS IN MY LIFE IT HAS BEEN OVER 10 DAYS & I HAVE NO IDEA WHY I DO NOT HAVE ACCESS TO MY MONEY I AM COMPLETELY HOPELESS ANE NEED HELP ASLO, STRIDE BANK N. A. ( MEMBER SERVICE DEPT ) COMPLETELY UNDERMINE ME AS A PERSON ( WAS TREATED VERY RUDE ) THIS IS ONE OF THE WORSE EXPERIENCES IN MY LIFE ITS HIGHLY POSSIBLE I COULD BE XXXX SOON I AM IN DESPERATE NEED OF HELP AND CHIME MEMBER SERVICES ARE TO BLAME AND THEY HAVE NO SYMPATHY WHATSOEVER
Consumer complaint received 2021-09-16
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. (SC)

As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of Ed/XXXX XXXX loans 1, for XXXX and 2, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my credit reports.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Why are these XX/XX/XXXX transaction being charge on my account? I have already called you guys regarding this. and now i'm getting a charge back? what the deal? XXXX XXXX XXXX XXXX and XXXX. This is wrong and nobody deserve to be treated like this
Consumer complaint received 2020-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have another complaint to make regarding Portfolio Recovery Associates. I have filed a prior complaint requesting the original consumer signed contract for account # ending in XXXX. Theyve failed to provide me anything with verifiable proof. I have attempted to settle with them on 3 occasions with no luck, my goal was to avoid missing work as it is imperative I be @ work. I missed a day of work Thursday XX/XX/XXXX only to find out they had rescheduled the court date. Why? I am at a loss @ what to do to get resolution. They havent provided me a copy of their state license, a copy of the signed agreement. I am attempting to resolve this matter and am having no luck! I couldnt afford to miss work on the XXXX and Im not looking forward to missing another day.
Consumer complaint received 2018-02-15
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. (CA)

XXXX, XXXX and Transunion have failed to remove fraudulent information on my credit report. After numerous disputes and receiving letters claiming the account/inquiry is reporting correctly, it is not. I have attached my Identity Theft report in hopes of removing the incorrect information on my credit report.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america suspended my account but they took out the money owed them but won't give me my money. I want to close my account so they can return my XXXX dollars they have of mine my account number is XXXX its my savings account My name is XXXX XXXX