davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (MO)

I opened a checking account with First Citizens Bank on XX/XX/2021. I deposited {$50.00} through XXXX. They officially closed the account on XX/XX/2021. They said the {$50.00} would be refunded to the account I opened it with ( external account ). This never happened. I called customer service and they said a check was to be issued to me. Waited 10 business days-NO CHECK. Another call and they said they reissued a check. Still NO CHECK after 10+ business days. Repeated calls to customer service will no resolution. A check shouldn't take this long to receive.
Consumer complaint received 2016-03-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

On XXXX XXXX, 2016, I received a demand letter from CMRE Financial Services , INC asking me to pay a debt of {$370.00}. 

This medical bill does not belong to me. I am disputing this bill and do n't intend to pay a bill that does not belong to me.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2022-02-04
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. (FL)

Pursuant to 15 USC 168 the the FCRA ( Fair Credit Reporting Act ) -XXXX, Transunion and XXXX has unlawfully used and or reported on my credit file causing great harm to my family and I. I have never authorized, by written wet ink, XXXX to furnish or report any information regarding my credit file.
Consumer complaint received 2022-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, this writer contacted XXXX XXXX XXXX Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, XXXX XXXX XXXX aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, XXXX XXXX XXXX Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH TRANSUNION TO HAVE THE ACCOUNT REPORTED BY XXXX XXXX XXXX ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM XXXX XXXX XXXX COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, XXXX XXXX XXXX SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX  ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!
Consumer complaint received 2022-08-15
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc ()

I want to complain about a very concerning problem related to the payment service PayPal offered at paypal.com PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. 
Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX  enriching themselves from my hard earned money. 

XXXX XXXX, PayPal transferred my whole balance and took my hard earned money under the Transaction ID : XXXX. Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. 
I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. 
Looking forward for your reply. 
Thank you
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

I was on XXXX on XX/XX/2015 looking for airline tickets when it popped up that my airline ticket would be {$160.00} and that if I apply for an XXXX + XXXX credit card I would instantly get {$100.00} dollars off making it {$60.00} instead. I clicked on the credit card link and it gave me XXXX options : the XXXX + XXXX credit card or the XXXX + Citi credit card. I applied for the XXXX + credit card. I have excellent credit. I was told I was approved and would get my card within 7 days in the mail. I called CitiBanks who said that did n't know why it did n't give me an instant access code but that there was nothing they could do now. I told them to cancel my credit card then but they did not and told me to call back in 48 hours and they could give it to me then. On XX/XX/2015, I called back and they told me that there was still nothing they could do and they could not give me my card number over the phone. I again asked them to cancel the card as I really did not want to wait 7 days to get the card in the mail as I was promised instant prior to applying for the credit. And they canceled it. I am reporting this because I feel that I was scammed and lied to. I would never have applied to the card if I had been told up front that it would take 7 days to get the card. I am very upset with the way I was treated. Citi banks and XXXX both were misleading. I now am 3 days delayed in buying airline tickets so I may not get as good of a selection and they will be more expensive. I am letting you know so that this type of scam can be prevented in the future. I should never have been treated this way and others should not be either. Thank you!
Consumer complaint received 2023-05-02
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. (GA)

In accordance with the Fair Credit Reporting Act, - XXXX : XXXX- XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-02-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (TX)

Called to make an internal transfer & was told transfer happened. When I checked balance on atm next day learned {$590.00} transfer never happened. Was told had happened & am on my second phone call to get fixed as I write this.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX {$3500.00} 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 2015-04-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (CA)

On XX/XX/XXXX I suffered a XXXX. it was so severe that I past out. My wife called the City of XXXX XXXX Fire Dept and, still XXXX I was transfered to XXXX XXXX City Hospital. The amulance Services charged my insurance, XXXX primary and XXXX XXXX, secondary the amoun t of {$1400.00}. For unexplained reasons XXXX denied payment. XXXX XXXX paid {$1000.00}. I was never billed for the remaining balance till last XXXX XXXX when I received a letter from Harris & Harris, a collection agency, charging me {$500.00}. On XXXX XXXX I contacted City of XXXX ambulance services. They accepted that they had not billed me at my right address and a lady by the name XXXX assured me that her office " would pull out '' the charges from Harris & Harris and would check the status of my account since my secondary had already paid most of the charges and more than 2 years had already past. However, I am still receiving calls from Harris & Harris, even on Sunday mornings, when they call me at around XXXX Pacific time. They have called me at night, well after XXXX playing a recorded message demanding payment of the debt. On XX/XX/XXXX I called Harris and spoke with a gentleman named XXXX who apologized for the inconvenience and, again, assured m that they will withdraw the charges since his records showed that XXXX XXXX had paid a portion a XXXX, according to him, had made a payment on the account. Still, I keep on receiving the pre-recorded messages. On XXXX XXXX at XXXX I received yet another call despite all the promises of pulling out those charges for which the XXXX Ambulances Services has already been paid for.
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WA)

This began in XX/XX/2021 for an amount of {$30.00}. It was a purchase through XXXX using PayPal with a connected credit card with XXXX XXXX The goods never arrived. I submitted a claim through the XXXX website and did not receive a response. I then submitted a claim to the PayPal website and did not receive a timely response so I then Disputed the transaction with my credit card company. A month or so later PayPal, refunded the amount after the credit card company had already restored the balance. Apparently the credit card company never reversed their portion once PayPal fixed the issue. In early 2021, I was notified of a double refund by PayPal and so they put a hold on my account until I fixed the issue they are asking be to add funds ( {$30.00} ) to fix the discrepancy. I have contacted both PayPal and XXXX XXXX  multiple times. I have confirmed with XXXX that PayPal accepted the charge back. XXXX has reversed their original refund. I have provided screenshots from my account as well as the official letter from XXXX XXXX to PayPal with no change in the status of my account. When I spoke with them several weeks ago, they asked for my authorization to contact XXXX  XXXX  to try to sort things out as they claim they never received funds that XXXX pulled originally when I submitted the dispute. XXXX disputed this and can provide documentation apparently. I contacted the XXXX  at the end of XXXX and there has been no response from PayPal as of XX/XX/XXXX which was the original deadline. Since I submitted the XXXX complaint, my account is now blocked for PayPal. When I try to login it says my credentials are incorrect. I have not changed anything as far as my username or password.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (FL)

Hello, the bank failed to honor a properly funded payment, by the time I realized this I was late on my payment about 20 days, I had to pay late fees and my credit standing with the creditor was affected. The bank now claims that I put a stop payment on the transaction as the reason for not paying it. I have never put a stop payment on anything in over 30 years. I have asked the bank to provide clarification letters for my creditor and my credit file and they refuse. In the last few months I have had several irregularities which never happened in the previous 30 years of the account, somebody please close this bank it has become a nightmare. Many thanks for any help you 'll provide.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been experiencing issues with possible identity theft so I submitted a written dispute to Transunion asking that they validate the information with several accounts showing that they have the proper person with regard to these accounts and I asked that both the creditor and credit reporting company provide documentation to show that these accounts belong to me. However, neither party produced or notified me of the documentation used to validate the information on my credit reports.
Consumer complaint received 2022-02-04
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. (TN)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-10-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (MI)

On XXXX XXXX, 2016, with the help of Wells Fargo XXXX XXXX ( over the phone ), I created new accounts for XXXX XXXX stock that I owned. My purpose in doing so was to have XXXX siblings included as Transfer Upon Death ( XXXX ) recipients. At the time of creating these accounts I called Wells Fargo XXXX XXXX and was told to use Wells Fargo 's Stock Power Form. The guide to completing this form is XXXX pages long. 

In order to correctly complete the form I asked the Wells Fargo XXXX XXXX assistant for help. When I came to Section E of the form ( which deals with a XXXX form making the account tax certified ) the Wells Fargo XXXX XXXX assistant tole me I did n't have to sign that section because I already had an existing account. ( XXXX XXXX form is specific to verifying a Social Security number and provides tax certified status to the account ). 

Under the guidance of the Wells Fargo XXXX XXXX representative, I did not sign Section XXXX of the XXXX XXXX XXXX and then submitted the entire XXXX XXXX XXXX to Wells Fargo via mail. 

In XXXX XXXX XXXX XXXX XXXX merged with XXXX, which involved an exchange of my current shares of XXXX XXXX with the new company now called XXXX XXXX XXXX. But because my shares of XXXX XXXX XXXX XXXX were not tax certified when the new accounts were created, I was taxed on all my existing XXXX shares and again on proceeds from the sale the XXXX XXXX stock itself. 

On XXXX XXXX. 2016 I called Wells Fargo XXXX Services and spoke with another representative over the phone. She pointed out to me that in lieu of sending in a XXXX document, I could have accomplished the same purpose of achieving tax certification status on-line almost instantly. When I originally called Wells Fargo XXXX XXXX in XXXX, I was not told this was an option. 

According to a Direct Registration Account Statement mailed to me after the fact, Wells Fargo XXXX XXXX sold XXXX shares of my XXXX XXXX XXXX XXXX to cover these tax bills, at a cost of {$2300.00}. 

I have been in communication with representatives of Wells Fargo XXXX XXXX by phone to confirm that they sold XXXX shares of my stock and that I paid {$670.00} in withholding tax to the IRS.
Consumer complaint received 2022-02-04
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. (TN)

to account type. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

The required " Debt Validation '' that was requested XXXX 2015 went unresponsive to.By Midland funding. They sought to action court case in one county, which Judge threw out for " Failure to Prove debt ownership '' One year later Debt collector seeks to again collect on debt not validated, Fail to prove the have purchased the debt from creditor, and refused to stop communicating threats to family member 's. MidlandFundingc/oXXXXhas.Thiscompanyhasactedcapriciouslytocollectonadebt, Theseactions alsoviolatedtheconsentagreementFileNo.XXXXbyCFPBadministrative adjudication