davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I am writing to officially file a complaint concerning the multiple unsuccessful attempts I have made to have fraudulent items removed from my credit report. Despite repeated efforts to address this issue, these fraudulent items persist on my credit report, damaging my financial standing and credibility. 

Despite my persistent and genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ), these fraudulent items continue to tarnish my credit report. This situation is detrimental to my financial well-being and overall quality of life. 

I kindly request the following actions be taken promptly : A thorough and immediate investigation into the fraudulent items in question, including verification of their accuracy with the creditor. 

If these items are found to be erroneous or fraudulent, their immediate removal from my credit report. 

A written acknowledgment from your organization confirming the correction of my credit report. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. The accuracy of credit reporting is vital for maintaining the public 's trust in the financial system, and I trust that your organization will take the necessary measures to rectify this situation promptly. 

Please acknowledge the receipt of this complaint within specified timeframe and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance {$560.00} XXXX XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$100.00} XXXXXXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018 XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance {$560.00} XXXX  XXXX Bankruptcy XXXX XXXX XX/XX/2018.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CO)

I started off with XXXX XXXX, then they sold my loan to Indymac, then they sold my loan to Ocwen, and ever since ocwen took over every year I have to pay them more money as they are always short on my escrow. So I pay the shortage, this year I received a check for escrow overage and then no more of me cashing the check I get a nitice that they are short on escrow again and I have to pay it back, also I have been out on work comp. for almost the last 5 yrs. so the last 2 years I have applied for a loan modification and been turned down, I am at a 7.125 % interest rate so they just keep telling me to put my house up for quick sale. So what can I do??
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (MD)

I have a debit card from Netspend that my XXXX benefits go on every month. On XX/XX/2024 I had {$630.00} on my card in the morning I went to XXXX to pick up a few things. Within a few hours someone had charged XXXX withdrawals from my account in the amount of {$300.00} twice totaling {$600.00} dollars. When I contacted the company on XX/XX/XXXX, at first I was given the run around then I filed a dispute and complaint. Which they sent me a claim number and reference number. They are supposedly sending me a new card and launched a XXXX business day investigation and said if they are not done within that time they might give me provisional credit of my money lost. I am a XXXX woman who relies on my money every month to buy my essentials and medicine. I hope and pray that this matter gets looked at and the company puts back my stolen money.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2024, my Wells Fargo debit card was compromised and two fraudulent charges from XXXX were placed on it. One charge was {$140.00}, and the other was {$320.00}. The phone number attached to the charges was listed as XXXX. It appears to be a legitimate pay in XXXX company. However, I can not get through to a live person at their company to review the charges. 

I placed two disputes with my bank, Wells Fargo, but have not heard back yet.
Consumer complaint received 2021-11-26
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. (TX)

I sent information dated XX/XX/2021 into XXXX and nothing has been done nor have I received any information regarding the dispute of the information on my Credit report.
Consumer complaint received 2018-05-31
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. (NY)

1 ) XXXX XXXX XXXX reported Delinquent, which incorrect, was dispute and was trying to correct 2 ) TransUnion Credit Reporting wrong information on Delinquent, and recent credit inquiries 3 ) XXXX Credit Credit Reporting wrong information on Delinquent, and recent credit inquiries 4 ) XXXX Credit Reporting wrong information on Delinquent, and recent credit inquiries
Consumer complaint received 2020-05-04
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)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

All reporting credit cards within my credit/consumer report are reporting as late/delinquent. 

Per 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This is not a duplicate complaint so do not label it, or treat it as such.
Consumer complaint received 2022-10-03
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 8. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Verify This invalidated account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

12. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

13. Verify This invalidated account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I disputed the Bankruptcy on my credit report with Equifax Credit Reporting Agency. The Bankruptcy was dismissed. Based on the law the Bankruptcy should be removed from my credit report because I never filed for the Bankruptcy. I am going to provide the dismissal papers for my complaint against Equifax Credit Reporting Agency.
Consumer complaint received 2019-05-16
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. (OH)

I submitted a letter to Experian asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Experian still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I sent a letter to XXXX XXXX dated XX/XX/2024 advising them that they are furnishing inaccurate information as well as outlining 15 U.S. Code 1681s-2. Requested a 1099C as they are reporting this account a charge off. They have never sent me any documentation and follow the law when it came to this. They sent me a copy of a contract and a letter dated XX/XX/2024 stating that they do not accept my documents it is fraudulent and the account was transferred to another company. They stated that they have placed the cease and desist on my account however they will continue to report to the Credit Reporting Agency as they consider the copy of contract and a transfer of ownership as validation of debt. XXXX is not following the law and responding with what I request I tried to handle it with them before going to the CRA or CFPB but they are not responding to my request with what their responsibility is by Law
Consumer complaint received 2021-06-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My XXXX XXXX debit card was hacked. The hackers used PayPal for 5 transactions. PayPal refunded me for 2 transactions but refused/denied for 3 transactions even though 2 of the denied transactions were to same person as one reimbursed transaction. Anyway, I did not authorize my debit card to be used for a transaction on XX/XX/XXXX for {$120.00} to XXXX or XX/XX/XXXX XXXX for {$82.00} ( twice ) to XXXX . You can see they aren't on my PayPal account, just showed up on my debit card account and obviously on someone else 's PayPal account
Consumer complaint received 2022-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

{$1000.00} extra payment to principal made on XXXX put in special deposit. 
{$1000.00} extra payment to principal made on XXXX put in special deposit. 
We have called many times for them to correct it still has not been posted!
Consumer complaint received 2024-04-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KY)

I was notified by email from Synchony bank on XX/XX/XXXX that a {$1.00} fee will be charged effective XXXX XX/XX/XXXX on my Care Credit Card on any balance over {$2.00} if I did not convert to going paperless with my account which is forcing me to put myself at more risk online with pertant information of my financial status. I totally object to this because I believe that I cant easily have access to my information to backup any problems that might occur with my account. Having the paperwork with my notes on it would be the only proof that would stand up in a court case. I am being forced to trust the internet to save the bank money! Not acceptable & I want to know if the government actually is going to agree with the banks doing this to everyone. Synchrony bank so far is the only one I know of doing this, and I several credit cards from other banks and none of them are doing this! Please advise me of a course of action to remedy this situation! I am definitely not happy about this! Thank you for your time. I know this sounds frivolous but if one does this and gets away with this, the others will follow soon!!!
Consumer complaint received 2024-04-26
Product: Credit 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. (MO)

XXXX a XXXX XXXX XXXX XXXX who was scammed by a company when trying to take my grandkids to the circus. I tried to get help from my bank but they denied my request. My adult son helped me put this together so hopefully someone can take a look and make this right. Im on a fixed income retirement and the amount of money Im out is important to me. I tried to buy shrine circus tickets online and thought I was dealing with the actual venue but was instead a company called tickets-center who charged 4 times the amount of tickets and then made it impossible for me to actually get access to the tickets. I wanted physical tickets and they said I had to do them on my phone. I couldnt get it to work and asked for a refund but was denied. I then went to the venue and told them what happened and bought actual tickets there for hundreds less. I thought Id be protected by my credit card on the purchase I was scammed on but Citibank denied me so now Im out a lot of money. I feel taken advantage of by my bank and the ticket company who scammed me. Looks like I wasnt the only one the better business bureau reviews are horrible. Please help!
Consumer complaint received 2024-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

I closed my Chime Account in XXXX. I've had refunds sent to that CLOSED account in XXXX I've reached out via email and phone calls trying to get my funds.. I've spoken with Chime members and specialties regarding my refund check and i've been given the run around. I was told via email that i had to verify my email address through the Chime App & that's not possible because as of XX/XX/XXXX i don't have access to the Chime account i once had... which is crazy because again, its my MONEY and if i no longer bank with Chime, how will i b able to access my account to verify, update or do anything to my account if i no longer bank with Chime.. its ridiculous how they are handling me and this situation. I got emails and CASE numbers from the Chime members I've spoken with.. How do i get my money back? Chime isnt trying to pay my money thats OWED to me! this process has been on-going since XX/XX/XXXX... I've been looking for my refunds & its just sitting in a CLOSED ACCOUNT! How do i get my money! What DO I DO????
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc. (SC)

Kickoff is reporting to all three credit bureaus that my account is in the negative. I have not used Kickoff since XXXX when it was fully paid off. That is causing me to have a low credit score and I am being denied for loans that I need.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

CMRE Financial Debt Collector called for 2nd time via a recording that a debt is owed, and if not paid, legal actions will be taken against me. The case number they stated is : XXXX. They said their website is : XXXX
Consumer complaint received 2024-04-19
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bridge IT, Inc. (MA)

I subscribed to Brigit for payday advance loans. My payment is always scheduled for the XXXX of the month. Today the XXXX they decided to just go in and take my payment 10 days early. And it's supposed to be XXXX a month not XXXX like they've been charging me so they owe me money back. I want my refund and to delete my account with them.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MA)

Goldman Sachs credit card approved me for a credit card and within XXXX weeks they closed it with no warning and made me pay XXXX for charges I did not make in XXXX of this year. It was flagged for someone trying to use the card and it was not me I callled and after they literally went through lies lies and more lies and I spoke to the merchant numberous times who stated all disputes were reversed immediately once they got the dispute from Goldman Sachs who then said I the check was submitted to be mailed XX/XX/XXXX for the full amount after multiple numerous calls and then I called the next week to check and again told the same thing and just today was told the dispute is not complete no check will be mailed and no reason given. They literally have been lying to me since XXXX made me pay when I am XXXX and can't afford to pay this but was coerced because I didn't want a problem with my credit but they always won't help Remove this front the credit bureaus knowing I was a victim of identity theft twice and they literally approved then closed and stole from me and won't just tell me the truth, I am sick to my stomache and started crying when I heard this news because I would give my right arm to be able to work and these people are miserable and so ignorant on how to even communicate that it makes me sick so I'm out of XXXX and I needed depended on that money I have to get a funeral personal and I literally can't pay now and find this so unethical
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC (FL)

Beginning on XX/XX/XXXX my wife started receiving calls from a debt collector looking for me. They left a voicemail that said that I was going to be served papers in an hour and that they will find me.

On XX/XX/XXXX the calls were repeated and stressed that if I did not call them it would count as a missed court appearance. They are calling all day threatening to serve me papers and being held in contempt of court if I don't communicate with them.

The calls have continued as of today XX/XX/XXXX with the same threats.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC (PA)

XX/XX/year> - I wanted to make a large transfer from US to XXXX to pay off a mortgage and I got in touch with xe.com as they support large transfers. They assigned a representative who would support me through the process. He explained the process - I'd make a wire transfer and they would make the payment to my overseas account once they receive it. They also confirmed that I would be reimbursed for the wire transfer cost. 

I made 2 wire transfers - XXXX XXXX on XX/XX/XXXX and XXXX XXXXXXXX on XX/XX/XXXX. The transfers were processed and I received money within ~1 week. However, they did not reimburse the wire transfer costs ( {$30.00} x 2 = {$60.00} ). I followed up multiple times about the reimbursement from XX/XX/XXXX to XX/XX/XXXX but I haven't received it yet as of XX/XX/XXXX. Below are the details of the follow up - XX/XX/XXXX - I emailed the rep, did not receive a response XX/XX/XXXX- I contacted their customer care, got a response and they escalated my request to the " relevant team '' XX/XX/XXXX- I emailed again, no response XXXX XXXX- I emailed again and mentioned that I would file a complaint with the CFPB if they did not resolve the issue. I immediately got a response from the rep apologizing for the delay. He mentioned he would follow up internally and get back. 
XXXX XXXX - I emailed again and I got a response from the rep. He said he had failed to follow the correct internal process previously and had now rectified it. He confirmed that I would receive the reimbursement by the following week XXXX XXXX- I emailed again, no response XXXX XXXX- I emailed again, no response
Consumer complaint received 2024-02-23
Product: Credit 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: JPMORGAN CHASE & CO. (NE)

I put XXXX dollars down fo an apartment and decided not to rent there. Upon emailing the company they told me Chase bank has my money as they do not have it. XXXX states it is resolved and will not look into it
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (MO)

XX/XX/XXXX Alliant Capital Management called me while at work about a bad debt, I missed the call. They then turned around and called a family member gave them all my debt informationon when the debt was taken out, how much it was for and that I had made 4 payments on it before I stopped on it. I called back and the lady at alliant capital told me that she was attemptng to reach me for the debt, and that I had to pay today or else action would be taken. I had already enrolled this bad debt in a debt relief program in XXXX, they are just working on neogiation the debt down and it was sold off to this new company. I thought I was doing the right thing by enrolling the debt in a program, but I am so mad they gave my family member all my personal information about the debt. I dont think that is legal.