davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc. (WI)

XXXX XXXX of XXXX ( XXXX XXXX ) sent bill to collections and included price of rental unit. Lady in office said if i brought unit back they would remove cost of unit. I brought the unit back and they then said they couldnt remove the cost of unit and said id have to work it out with XXXX XXXX. I am not paying extra for unit that was returned. Amount sent to collections is {$920.00}. Bill was only XXXX some dollars
Consumer complaint received 2017-11-09
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. (TN)

I paid a charge off in XXXX XXXX for a XXXX XXXX account that is closed. The only thing Transunion did was remove the balance due and payment history. They are still erroneously reporting the payment status as late and not even stating that this is a paid charge off. They are reporting payment status as late but payment status late of XXXX XXXX. That is when it was paid so it should not be reported late as pf that date. Photo proof attached.
Consumer complaint received 2020-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX   XXXX XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DEPARTMENT OF EDU XXXX XXXX - XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries.
Consumer complaint received 2018-03-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

This company has been harassing me for over 4 years. Im not sure where the original debt came from, but they have called me 3-4 times a week since XX/XX/XXXX, as late as XXXX. They have harassed me for so long I had to delete my cell phone number that I had for 14 years. The debt collect is Wakefield and Associates. The charges are as followes. 
Principal interest date XXXX {$170.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1700.00} XX/XX/XXXX XXXX {$330.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX The original totals are almost HALF of the requested amount. I have Heath insurance ... this company has harassed me into a depressive state over a few dollars. My girlfriend left me over the XXXX and XXXX of this company calling me every day. After I deleted my phone number they used my girlfriend tax return to get her phone number and hurrassed her, saying that I would be thrown in jail, and she would be charged for protecting my identity from these evil maniacs! How is it legal to double the amount owed! Call me every day! Contact my MOTHER about this debt?! Are you kidding me?!!!! Im at a loss ; im furious, I feel cheated, I dont know my rights, but this is abuse. Theyve threatened jail time, legal litigation, and to come after my home, car, job, and personal effects.
Consumer complaint received 2017-08-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Integrity Group Inc (PA)

In XX/XX/XXXX or XX/XX/XXXX, I was contacted regarding help with forgiveness on federal student loans. A gentleman named XXXX working for Integrity Group, Inc.spoke with me regarding the process. He explained I would save thousands of dollars on federal  student loans if I would let them help me. I explained that my loans were in forebearance and he said that did not matter. This process would kick in once forebearance ran out which was not until XX/XX/XXXX. I agreed. Paperwork was completed and it appears XXXX XXXX XXXX paid Integrity Group {$1300.00} on my behalf. I was to pay XXXX {$39.00} a month till paid in full. He explained that someone would be in touch with me to move forward. I next spoke with XXXX XXXX from Integrity Group who said he would be administering the process for my student loan forgiveness. As forebearance time came near, I logged into my XXXX account and saw no activity adjusting the promised monthly amount. I called XXXX at Integrity and he assured me something must just be hanging up somewhere and he would fix it and get back to me. I waited a week or so and heard nothing from him. I logged into my account again and there was no change. I then called XXXX and spoke to an associate. She checked andsaid there had been no one in my account or asking regarding my account. I explained to her what I just explained above and she said I should not pay any more dollars as it appears someone was taking advantage of a situation that I could, indeed, do myself. She helped me through the process of loan forgiveness with the adjusted amount. I have not heard from Integrity at all. Of course, I get notices that my {$39.00} is due. I have not paid XXXX amount.
Consumer complaint received 2017-11-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

I was a joint checking acct holder with my brother whom lived in another state and was young. We added myself to the account incase someone from our home stated needed to make deposits etc into the acct for him with him being so far away. The acct was overdrawn by him and then closed. acct opened in 2006. After this occurred and I received phone call I explained all of the above to the banking institute. 
I now 11 years later receive a phone call from a collection firm on behalf of XXXX XXXX stating that they are filing a civil suit against me and I am the only SS # listed. That they will serve me papers at my home or my job where my supervisor will have to sign as a witness as well. This is the first point of contact also mind you. No mail received NOTHING. I explain when I return the call to this collection firm that I work and I am not available between XXXX-XXXX. An that they are NOT to come to my place of employment. I question the matter and what is owed. I am told a flat fee of {$500.00}. has been access to the overdrawn amount which I am not even sure what the original amount might have been at this point.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Prior Ticket - CFPB # XXXX History attempt to correct wrong address, missing address, wrong names with TransUnion. 
I followed their directives sending a package with copies of documentation requested to verify my identification along with a typed list of all rental/addresses listed chronologically, clearly identifying missing address such as XXXX XXXX XXXX, another address erroneously listed twice, the same address once with apt . XXXX and second time apt XXXX for XXXX XXXX XXXX, XXXX ( to keep only XXXX second one apt XXXX must be typo ) and wrong names added with middle initial B not mine never done business with middle initial B, and my last name starting with " H '' initiated most likely by a creditor promoting their business. Why would I keep a name in my credit report that was created erroneously by a credit card company on my credit report when I have NEVER OWNED it, NOR DONE BUSINESS WITH? ... 
After going out of my way, investing time, money ( to do copies, buy stamps, to this date, I have not received a response confirmation that it was corrected ... more than a month now. And find out that without correcting my credit report, they close my case?
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

I have a XXXX XXXX XXXX and XXXX XXXX equity line account at is over 7 years old and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

I received a check from XXXX XXXX XXXX XXXX in the beginning of XXXX for a auto loan and deposited it in the person who I was buying the car from account. A issue happened with receiving the car and the owner wired the funds to my account with Truist Bank. The check is a legit check that I am currently paying a loan on, I already submitted documents to Truist Bank that everything is legit and this is going on 2 months and they are still holding my funds and not giving me any answers. I would like to know when will this process be finished because I need my money and I feel like they are taking advantage of me and robbing their clients. My next steps will have no choice to take this up to the Attorney General, the XXXX XXXX and XXXX, because this is not fair and a injustice. I feel like I am being discriminated against for putting a large sum of money in their bank. If they do not want me at their bank, then just give me my money back and close my account, but to hold my money without any answers or communication is an injustice and not right. Please let me know what you can do because I am being taken advantaged of and robbed.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (TN)

I have a checking account with Fifth Third Bank, I was offered an Early Access Account with a credit limit of {$1000.00}. I fell behind due to illness and agreed to make monthly payments in the amount of XXXX. I've made all payment and sometimes I paid more than the agreed amount. I called in on XX/XX/2020 and left a message, for a payment to come out of my checking account in the amount of {$40.00}. I never received a call, letter, or text stating the payment had not been received. On XX/XX/2020 I noticed a Funds Transfer in the amount of {$280.00}, I called customer service and was transferred to the charge off department, where payments are made. I spoke with XXXX at XXXX XXXX and was told we didn't get your message therefore there's nothing you can do about it. I ask if there was someone else I could speak with and she told me, I'll transfer you to me supervisor. I ask for the supervisors name and I was given " XXXX '', I left a message once again explaining I had left a message ask for her to return my call. I did not receive a call today, XX/XX/2020, but another funds transfer was withdrawn from my account in the amount of {$350.00}. Both of these charges were not authorized, I was told that a different company handles the charge offs however, there answer the phone Fifth Third Bank EAX Charge off Department at XXXX.
Consumer complaint received 2017-12-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Siwell Inc (CA)

Hi There We have the mortgage from Siwell Inc. dba XXXX XXXX XXXX of Texas ( NMLS XXXX ) My Loan # is XXXX. We are refinancing this mortgage with some other lender and requested the pay off request from XXXX XXXX on XX/XX/XXXX. Despite of out more than one dozen call and fax requests they are not giving our pay off amount. They always transfer the call to a loan officer instead on customer service and loan officer try to sell us other mortgage. Today is XX/XX/XXXX and my lock with other lender is expiring on XX/XX/XXXX and the pay off is the only one loan approval condition left. Why these unethical companies let loose to work and bother the people who are their loyal customers My Info XXXX XXXX XXXX
Consumer complaint received 2017-11-09
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. (CA)

I have had a Fraud Alert on all three of my credit reports for some time now and an alert that I was to be called if anyone tries to open an account in my name. I have been fighting Fraud accounts for months now. XXXX XXXX allowed someone to open a credit account without contacting me as directed, then the account become past due and the reported this on my Trans Union credit report as 30 days past due. I asked for Trans Union to correct this and they submitted a dispute I guess and came back with the company validated the debt, that 's it, how they validate an account I do not know. What I do know is that I have never had an account with XXXX and they did not call me to verify I requested this account be opened. I am not sure what else to do, I have had my life turned upside down because my information was stolen and I am the one who has to fix all this, and a company can just say its valid with no proof.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC (CA)

In accordance with the Fair Credit Reporting Act this creditor, BMW Financial has violated my rights. Under 15 usc 1681 section, 602 states I have the right to privacy. Under 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not finish an account without my written instructions. Under 15 usc 1666B a creditor may not treat a payment on car payment account under an open consumer credit plan as late for any purchase
Consumer complaint received 2022-03-10
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

I closed on my new construction home XX/XX/XXXX in XXXX, TX, located in XXXX XXXX. On XX/XX/XXXX, I submitted a letter from the XXXX XXXX Tax Assessor office as official certification that my property tax liability {$0.00} because I am a XXXX XXXX XXXX XXXX Veteran. The letter was signed by XXXX XXXX, Exemptions Clerk for the XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a letter from LoanCare indicating they were made aware that I qualify for a tax exemption, and " if necessary, the account will be analyzed and adjustments made. I followed up with the company on XX/XX/XXXX, and the matter was still pending. I logged into my online account on or about XX/XX/XXXX, and the escrow amount had still not been modified. 
The agent I spoke with stated " they called to XXXX XXXX Appraisal District '' to verify the information and was told that " I only qualified for a partial exemption ''. On my second follow up call on XX/XX/XXXX, I was told LoanCare was not waiting on a bill from the Assessors Office. Again, I have submitted a certified letter from the XXXX XXXX Appraisal District office that states " the exemption will result in no taxes being assessed on this property in XXXX and subsequent years. I had no choice in picking this company, but there actions in this case are consistent with many of the XXXX  cases I have read. I am concerned that they are intentionally and unlawfully withholding my escrow funds to use for other investments.
Consumer complaint received 2020-05-30
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. (CA)

XXXX  XXXX  is trying to collect on behalf of XXXX XXXX for an unknown debt. XXXX XXXX has not supplied any proof of contract, how the debt was calculated, or proof of purchase of the contract from the original creditor. They simply sent a computer generated letter 4 months ago. I disputed the item with them and the 3 credit bureaus. I have yet to hear back from any of them. It has been over 60 days since the initial dispute. By law, the maximum time to respond is 30 days. This negative account in the amount of {$240.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws.
Consumer complaint received 2018-12-04
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: Paypal Holdings, Inc (MO)

XX/XX/18- 4 unauthorized purchases with my PayPal account totaling {$1100.00}. I reported this as fraud to PayPal and was given a case number. I was informed the amount would be refunded within 5 days.

XX/XX/18-I called PayPal. They informed me that the refund would be in my account by XX/XX/18.

XX/XX/18-Paypal informed me that the money was refunded to my card and to call my bank. My bank had no knowledge.

XX/XX/18-I spoke with PayPal. They requested the card number used and informed me that the refund would be made by XX/XX/18. XX/XX/18-I spoke with PayPal. They claim that the refund was sent on XX/XX/18. Again, my bank has no record. I called back to PayPal and they informed me that the money would be refunded to my card today and gave me a reference number. I asked to speak to a supervisor. They said one would call me. I received no call and no refund.

According to PayPal, the charges on my card occurred in XXXX. I have not received a refund nor have I received a call back from a supervisor.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

Hi, I closed my Bank of america XXXX credit card in XXXX, 2023. However, I have not yet received my security deposit of {$200.00} back since then. I have called bank of america multiple times regarding this, but they simply kept me waiting, or claimed that they have issued a new check, which never arrives.
Consumer complaint received 2021-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Regardless of the multiple written requests, the unverified inquiry listed is still reporting on my credit report in violation of Federal Law. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed and unauthorized information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX-Date of inquiry XX/XX/2020
Consumer complaint received 2020-05-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MI)

As I pulled all 3 credit reports from the XXXX  website, I noticed that Fedloan Servicing has inconsistent information about my late payments on all three credit reports. Late payments are reported to the credit bureaus that do not match up. I have 12 FedLoan Servicing accounts on all of my credit reports. It is reported to XXXX  that I have 9 late payments on every account. It is reported to XXXX  that I have 5 late payments on six accounts, 4 late payments three accounts and 3 late payments on three accounts. It is reported to XXXX  that I have 4 late payments on every account. The information should match if my student loans accounts are reported to all three bureaus. I have attached documents supporting my claim.
Consumer complaint received 2017-12-28
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)

To Whom It May Concern/ XXXX XXXX (CEO and President)



I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act (FCRA). 


I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction(s) that I have made. It is the result of alleged identity theft.

CHASE- XXXX XXXX 
ACC# XXXX
Reason: Identity Theft

I am hereby notifying that you are inaccurately and falsely reporting the above account  which constitutes violations of the Act and of my demand that you remedy such violation within five (04) calendar days from your receipt of this complaint. 

This account has been previously been disputed and you did not deleted required under FCRA. 


You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act (hereinafter referred to as “FCRA”), “Civil liability for willful noncompliance.” Your company may be liable for:


-	Any actual damages I sustain due to your failure to delete this item;
-	Cost of court action in order to have the item deleted;
-	Punitive damages as the court may allow; 


XXXX v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.
Consumer complaint received 2022-03-11
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. (GA)

When I went to view my credit report someone have fraudulently opened a account in my name without my permission. I filed a police report and a identity theft report and listed XXXX XXXX as one of the companies that is a part of the Identity theft. I have tried calling the company and have not been able to get this issue resolved. This account was opened in my name and my husband name fraudulently