davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC (MD)

I did not receive a zelle payment that was sent yesterday on XX/XX/27 in the amount of {$1000.00}. The sender entered my email correctly linked to my zelle account at XXXX XXXX  ( see attached ). 

I have tried multiple times throughout the day to contact Zelle but they run a automated answering service with no option to speak to a live person. They also absolve any responsbility to track down transactions and inform people to just contact their bank. Zelle has also not resonded to a online message I sent them. My bank ( XXXX  ) is completely unreachable with no one picking up the phone or answering chat messages.
Consumer complaint received 2022-06-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC (AZ)

I got a Home Internet Kit from a XXXX XXXX  store in XX/XX/2021, but found that the signal was too weak at my home. So I returned it and canceled the service. They told me that I'll get some refund ( evidence email attached ). However, XXXX XXXX did not cancel my service successfully. They kept charging me and I didn't realize this fact until they made phone calls to me. I explained to their representative over the phone, and they told me they'll fix this mistake. After that, I didn't get any phone calls or bills until recently I found a record on my credit. Then I did the following : 1. I submitted a dispute on XXXX XXXX website. But they could not remove this record. 
2. I made a phone call to XXXX XXXX  customer service. They told me they don't have access to my account and asked me to stop by a XXXX XXXX store. 
3. I stopped by the XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. People there were very rude and refused to do anything. They just asked me to make phone calls again. 
4. So I had to make a phone call to XXXX XXXX customer service in the XXXX XXXX store. This time I insisted to transfer my call to a manager. The manager explained to me that my account has been deleted. She gave a phone number to the debt collector agency ( Frontline Asset Strategies ). She also promised me to call that agency on XX/XX/XXXX ( I'm not sure if she did that ). She asked me to leave her my phone number. But so far I have not been called. 
XXXX. I made a phone call to Frontline Asset Strategies. They refused to fix that mistake even they could not explain what is included in that {$110.00} bill. Their explanation was " one-month bill plus interest '' ( phone call recording starts from XXXX, see here : https : XXXXXXXX XXXX  ). I have to upload the recording like this because it's larger than 10 MB and I can't uploaded it to " attach documents ''. However, one-month cost is like {$55.00} only. I don't know what kind of interest rate could be that high. They also confirmed that they failed to send the bill to my correct address. So the fact is that XXXX XXXX  mistakenly charged me for two more months. They forwarded my information to the debt collector. They can't fix the record because they have deleted my account. I don't know what else I can do. 
XXXX. After all these frustrating experience, I'm making this complaint on CFPB. I have attached the refund email from XXXX XXXX and the phone call recording with the debt collector as evidence.
Consumer complaint received 2021-12-10
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. (CT)

In late XX/XX/2021, i Received a letter dated XX/XX/2021 from XXXX XXXX Claiming to represent XXXX XXXX XXXX XXXX. 
The letter alleged a debt which i do not owe. 
This collector is fraudulently attempting to collect debt I don't know by using coercive tactics. 
XXXX XXXX XXXX has reported the debt to the 3 major credit bureaus without giving me an opportunity to respond within 30 days. 
As i file this complaint the 30 day period which is required by the law for me to respond to the letter has still not elapsed yet. 
i have already sent a letter of dispute to XXXX XXXX XXXX XXXX, XXXX and Experian and attached copies to this complaint. 
Experian has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

XXXX has reported this item on my credit report without diligently checking the accuracy of the information and whether the furnisher has been compliant with federal law. 

Both XXXX and Experian are in gross violation of my rights as they have continually done in the past.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX XXXX 28 USC 1746 Unsworn declarationsunder penalty of perjury
Consumer complaint received 2022-02-28
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)

I already reached out to the TRANSUNION and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$6200.00} ; XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$990.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Consumer complaint received 2022-06-28
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # XXXX, Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

All of the accounts listed below are all fraudulent accounts and inquiries being reported on my Experian credit report and reporting fraudulent accounts is against the law. And this is hurting my ability to obtain credit. 

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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Sm Bus Admin XXXX
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a member of Bank of America for which whom I have a current Mortgage with. XXXX, XXXX and XXXX of XXXX B of A reported to the XXXX Credit Bureau 's that I was late on Payment 's. 

I am currently enrolled in XXXX XXXX XXXX and filed a complaint and provided proof with Bank Statements showing I was not late in payments. 

I contacted Bank of America and spoke to a representative, I was told that my impound for my taxes had increased and that there was not enough money in my payment to cover the impounds. Since the mortgage payment I made was not sufficient they did not post my deposit to the account. The difference in the amount was like XXXX as soon as I found out after several calls to Bank of America I payed the difference. 

I never received a courtesy call to inform of me of this. In the Interim due to this injustice I tried to refinance my mortgage and was told I could not because I couldn't have any mortgage late payments within the last year. My credit score has decreased making me get higher interest on loans.
Consumer complaint received 2022-03-01
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. (FL)

This is a VERY unusual issue. In XXXX, I received a letter from Social Security that my XXXX benefits were being terminated since I was supposedly incarcerated in Massachusetts since XXXX. I found this to be a bit humorous since I retired from a law enforcement career in XXXX after 26 years of NY State service. Via telephone calls, SS cleared this up within a week but warned me that this severely impacts my credit score. I have been trying to communicate effectively with the credit bureaus but it is futile. Nobody listens.

Tonight I was told that despite having NO loans, mortgages, car payment, etc ... that my lowered rate is due to my not having enough accounts open. Why do I need unnecessary accounts when I am financially solid and have nothing but a XXXX XXXX history? Why is a financially responsible citizen being forced to open unwanted and unneeded accounts and expose myself to even more fraud? These credit bureaus are out of control.
Consumer complaint received 2022-06-28
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. (MD)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (NY)

Money was stolen from my chime account through cashapp while in the hospital my identity and card was took over they emptied my account and Chime allowed it instead of blocking my card when I make a paper myself they stop the card on important payments so why would they allow so many cashapps to come off my card in difficult people names and not stop not one transaction then after getting out this hospital since XX/XX/XXXX I come back to a empty account and rent due I called chime to file a dispute they told me 10days there is no way I can wait 10 days for there negligence I contacted cashapp they told me have my institution get in contact with them and they will refund my funds immediately but I still have no money on my account and if my rent is not paid for last month ago this month they are evicting me and my family chime saw these fraudulent transactions and did not stop my card it's so many different names on these transactions and they allowed them even my XXXX cousins who doesn't know what a cashapp is I need my money refunded immediately to my account because I can't be sick like this on the street I don't file any disputes with chime maybe 1 dispute so If I'm filing this dispute it's serious I don't wan na sue chime but if I'm kicked out my apartment behind them not monitoring my account I have no choose I'm in bad shape and I can't be in the street behind negligent and fraud cashapp refund immediately so I need my funds immediately by Tomorrow if not I have no choice but to sue immediately because if they don't refund my money by tomorrow imma have to file a suit to get back in my house immediately that was me and a family member settlement they allowed to get took its so many transactions that's not my name or my family members name thats on the check and I will upload the pictures and how many transactions they allowed to come off this card they stop all my legitimate transactions but don't stop these fraudulent charges
Consumer complaint received 2022-06-28
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. (MD)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
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. (NY)

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to XXXX within that time. XXXX requested I pay the deferred forbearance loan upfront. I informed XXXX that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, XXXX reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that XXXX reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the 3 trial payment XXXX also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with XXXX via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported XXXX to the XXXX XXXX XXXX XXXX services. XXXX quickly responded to XXXX in which they expressed mistakes on their part.
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (NY)

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & EXPERIAN are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The following accounts listed below were opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the accounts removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-06-28
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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am taken aback of the situation. I've submitted this complaint 4 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, I'm fed up with it. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer NOT to engage in a legal proceeding, such as filing a lawsuit. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again ... Thanks XXXX XXXX
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CATHAY BANK (NJ)

Commencing on or about XXXX of XX/XX/2021 and XXXX of XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX, with the design, development, manufacture, promotion, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX XXXX XXXX account via wire in the total amount of XXXX USD utilizing your services Scammers Account Number : XXXX
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DE)

I have been trying for several days to log in to the Comenity website to pay my Credit Card bill. Their site will not let me log in. This is a wide spread problem, there are many customers that can not log in either. Our credit cards are being declined as well. If you attempt to call customer service, it will not go through.
Consumer complaint received 2022-06-28
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. (IN)

Experian has lied about verification of debt. 
XXXX XXXX  XXXX has deleted this account because they could not find verification of debt. This is terrible.