davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

SUMMARY : {$3100.00} disappeared after moneygram.com transfer marked as successful, no response from Moneygram support ( case XXXX ) for 11 days at the moment of this complaint and I was told in Moneygram live chat I need to wait up to 90 days for any response from Moneygram support. 

DETAILS : On XX/XX/2023 I made transfer ( ref XXXX ) using https : //www.moneygram.com/ of {$3100.00} ( from my debit card ) to XXXXXXXX TRY to XXXXXXXX XXXX of XXXX XXXX which admittedly was a wrong currency account ( USD while transfer receiving currency is TRY ). Correct XXXX for TRY was XXXX. Money should be in recipient account by XX/XX/2023 and Moneygram transfer was marked as successful. Money never not reached recipient accounts ( XXXX and XXXX ) and there are proofs as recipient account statements for these both accounts ( attached ). Recipient bank was not aware about this incoming transfer as well ( it is not in some pending state as far as we know ). 

At this point I have not received any response from Moneygram support ( case XXXX ) for 11 days at the moment of this complaint and I was told in Moneygram live chat I need to wait up to 90 days for any response from Moneygram support which does not seems to be acceptable as long as I am or my recipient out of this pretty large amount of money. On XX/XX/2023 I specifically indicated in this support case that I will have to file CFPB complaint if will be no reaction from Moneygram support until XX/XX/2023.
Consumer complaint received 2021-05-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ASSOCIATED BANC-CORP (MN)

Associated Bank is holding me liable for a checking account and debt that was discharged in bankruptcy court under Chapter XXXX in the United States District Court District Of Minnesota Bankruptcy Court. I had a checking account with Associated Bank and the checking account was closed with an incorrect balance. Associated Bank alleged I deposited fraudulent checks into my checking account and thats why the account was closed and have a balance. I never deposit any checks in my Associated Bank Checking Account. My Associated Bank checking account and debit card was compromised and used fraudulently by someone else. My Associated Bank checking account debt though was discharged in bankruptcy court and I dont owe any money or debt to Associated Bank.. Full Name : XXXX XXXX XXXX XXXX DOB : XX/XX/1974, SSN : XXXX. The Office of the Comptroller of the Currency is investigated Associated Bank and my complaint against Associated Bank as well.
Consumer complaint received 2021-05-17
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: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Frost-Arnett Company (IN)

I sent a debt validation letter by certified mail to debt collection agency Frost-Arnett I'm XXXX, TN. It was signed for on XX/XX/XXXX by a XXXX XXXX. In this letter I had asked them to not contact me until they could provide this validation, which is also a federal law. I have since received multiple phone calls in attempt to collect the debt- all of which were forwarded to my cell phone through my employer. This means they have not only violated federal law by contacting me after they were asked not to, but they have also been contacting my place of employment after being asked not to. Phone calls have taken place on the following dates and times : XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XXXX XXXX @ XXXX I have yet to see a letter confirming validation of this debt as well.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Identity Fraud occurred when mail was stolen from a business mailbox in XX/XX/2021. On XX/XX/2021, I was alerted by a detective that a suspect was taken into custody with a counterfeit California Driver 's license in my name, address, and DOB. On her person was {$3500.00} cash and $ XXXX.Cashier 's check and withdrawal slip from my personal checking account. In addition, there was a debit card for XXXX, and a form with my own personal information. On XX/XX/XXXX, I placed freezes and security alerts on TransUnion, XXXX, and XXXX, and disputed the many inquiries that has been recently made on my credit profiles. The suspects were released after two weeks. On XX/XX/XXXX, a MailDump in the City of XXXX XXXX turned up a new account opened at XXXX in XXXX XXXX in my name. Again, I investigated into my credit bureau accounts, and found that there had been more inquiries into TransUnion and XXXX. On XX/XX/XXXX, the suspects gained access into Transunion and XXXX and unfroze my accounts. There were apartment rental applications, retail credit cards, and attempted automobile purchases through XXXX and XXXX XXXX XXXX. I called XXXX, and found that the email on file was updated by the thieves to bypass any communication to me directly. The credit report from TransUnion on XX/XX/XXXX compared to the summary dated XX/XX/XXXX, showed another telephone number added to my profile. I was able to unfreeze my own XXXX account simply by using the automated system that inputs the information that was stolen by the identity thieves. There was no password on PIN required. These credit bureaus claim to protect the consumer, but it is a false security. Using personal information that was compromised, Criminals gained access to exactly the information that should have been protected the most.
Consumer complaint received 2021-07-15
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: ENCORE CAPITAL GROUP INC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2022-06-21
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. (PA)

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2021-07-05
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. (LA)

I have called Transunion and spoke with so many people in the special handling department stating they would delete these inquires once I have submitted an identity theft report. I submitted this report several times with no resolution. I have attached the ID theft report to this complaint to make sure they get it!!!!!!! I explained that someone has completely stolen my identity and trying to open accounts in my name which is not me.
Consumer complaint received 2021-07-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OR)

This is regarding a significant drop in my score without any evidence that caused it. 

I chatted with XXXX at Experian, who thought I was looking for financial advise and who said that they could not explain the drop. I am not interested in financial advice, I do need an explanation for the drop. As a consumer, I am entitled to know why and as reporters you have a responsibility to be transparent. 

My score dropped 22 points in a week with no hard credit checks. My credit use has remained the same for many months. 
I need an explanation about where this came from, who reported it and why my score dropped 22 points.
Consumer complaint received 2021-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XXXX XX/XX/2021, I made an online payment of {$8500.00} towards my credit card. 
I went to use my credit card to purchase appliances on XXXX XX/XX/2021 and my purchase was declined. I called USAA, the credit card company, and was told by the customer representative, 'Sherry XXXX, that the payment I made back on XXXX XX/XX/2021 has a 7 day hold on it. 
The payment cleared my bank on XXXX XX/XX/2021! 
Consumers should not be held XXXX and denied the use of their credit card when the payment has cleared the bank! 
I was subjected to embarrassment and MAJOR inconvenience. I've had to put the credit card appliance purchase on hold and this creates a delay in the sale of my home! 
CFPB should prevent credit card companies from putting a XXXX7 day delay ' on the credit of a payment when the payment has cleared!
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (FL)

ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX  on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. 
and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Consumer complaint received 2021-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion advertises that they charge {$1.00} for a credit report and there is a large receipt that they provide boldly stating {$1.00}. In small print below which is difficult to see, they state that they will also now start charging $ XXXX/month for credit monitoring. They are engaging in underhanded behavior here and taking advantage of consumers. When I called Transunion to cancel during normal business hours, they put me on hold and then hung up on me. I had to cancel the unwanted recurring fee through my credit card company. Thank you for addressing this issue.
Consumer complaint received 2021-07-05
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. (TX)

I have sent 2 dispute letters to XXXX XXXX, Experian, one in XX/XX/2021 and XX/XX/2021 regarding inaccurate, incomplete, and RE-AGED ( which is illegal ) account on my report. I have yet to receive any investigation information from anyone.
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. (TX)

I disputed an account with TransUnion Credit Information Services on XXXX XXXX, about an account being reported on my credit profile from XXXX and XXXX XXXX XXXX, which were opened due to fraud. I submitted an identity theft report, acknowledging the fraudulently information that is currently reporting. I am making this complaint because the credit reporting agencies has violated my rights under the FCRA. XXXX and TransUnion stated to me the account was removed and then reinserted back on by the XXXX XXXX. This is a violation because neither agency sent me a letter of the reinsertion of the item on my credit file.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Complaint Regarding Unfulfilled Checking Account Bonus Offer I opened a checking account with U.S. Bank on XX/XX/year>. At the time of account opening, the bank clearly advertised a promotional offer of up to {$450.00}, to be disbursed within **seven days** after completing the required steps. 

I completed all the required steps by the last week of XXXX, as confirmed by a U.S. Bank representative during a phone inquiry. Despite this, the promised bonus has not been credited to my account. After previously filing a complaint with CFPB, a representative from U.S. Bank sent a reply with the following information : " Please note that the promotional offer information which you attached to your request for assistance is not the promotional offer for which you applied. '' The response from the U.S. Bank is incorrect. The link through which I applied for the promotional offer is : https : XXXX? XXXX The terms for the bonus offer is clearly stated on the the webpage twice : XXXX ) Frequently Asked Questions : " Your statement will show your checking bonus as an adjusted interest credit within XXXX days after you have completed required activities. Your account must be open and have a positive balance. '' XXXX ) Disclosures : " Your checking bonus ( 'adjusted interest ' ) will be credited to your new checking account within XXXX days following the completion of all the offer requirements. '' The representative also enclosed a PDF file containing a promotional offer with different terms and timelines of bonus dispersement, which was not the offer I applied for. 

The bonus I was supposed to receive has been unfairly delayed for more than a month. I am requesting that U.S. Bank honor its original commitment and immediately credit my account with the promised bonus. 

Thank you for addressing this issue promptly.
Consumer complaint received 2024-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Eastern Account Systems of Connecticut, Inc. (CT)

Key Issue : Eastern Account Systems is mishandling my account and is in violation of the Fair Credit Reporting Act ( FCRA ). 

Details : The account is currently only being reported to XXXX, which raises concerns about its accuracy and completeness. I demand verifiable proof to validate this account as required by the FCRA.
Consumer complaint received 2021-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Citibank , N.A . failed to safeguard my funds in my Savings Plus account. My account was hacked on XX/XX/21 ( probably onXX/XX/21 ) as I was able to see the unauthorized ACH debit posted to an unknown account/person in the amount of {$19000.00}. 
I was shocked and immediately tried to report the fraud to Citibank and was sent to XXXX representative XXXX ID # : XXXX and explained what I saw and asked to report this as fraud/hacking. After several transfers and was unable to hear clearly I asked for a US representative in the Fraud department. I was told these funds were completely gone and the ACH transferred without any red flag alert, security check or confirmation that this large transfer was never my habit in 39 years banking with Citibank. They said they did not transfer money in increments but in less than overnight-they fully completed this fraudulent transaction. I was asked if I wanted to dispute and then assigned CASE ID # : XXXX. 
It has been my clear pattern and habit to transfer any funds from savings into checking before executing an ACH Debit. They said all that was needed to execute this fraud was my name, routing number and account number. This was very alarming, but they did not seem to want to expedite this matter until I asked to speak to a supervisor. Supervisor XXXX ID # : XXXX then expedited this to Citibank 's PECS Department which is internal, back office and I am not able to contact them directly. I have still not been given provisional credit or return of my funds and they only will say their investigation is " ongoing '' while I can not use my funds which I need now very much.
Consumer complaint received 2021-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

In XXXX my account was credited over {$2800.00} from an Appliance company. Unfortunately I had cancelled that debit card due to fraud so that money should have came back into my checking account. Mountain America Credit Union has completely ghosted me and is non responsive to my complaints. They have tied my mine up for months with no end in sight. Mountain America Credit Union wont give me my MONEY. The appliance company provided proof that is refunded my money to XXXX XXXX who works at Mountain America Credit Union, Ive talked to bank employees, bank managers and have gotten no where.
Consumer complaint received 2022-08-15
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-06-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

THE REPORTING ON XXXX XXXX XXXX ( ACCT # XXXX ) IS INACCURATE AND INCOMPLETE. THE COLLECTION AND REPORTING HISTORY STOPS AND STARTS SPORADICALLY THROUGHOUT THE LAST 7 YEARS ; AND HAS BEEN ENTIRELY DELETED FROM XXXX THROUGH XXXX. THE DATE OF FIRST DELINQUENCY HAS BEEN DELETED AND/OR MANIPULATED BY XXXX XXXX XXXX XXXX XXXX TO EXTEND THE 7 YEAR STATUTE OF LIMITATIONS OF REPORTING WHICH IS AGAINST SECTION ( S ) 623 ( A ) ( 3 ) & 623 ( A ) ( 5 ) OF THE FAIR CREDIT REPORTING ACT. THE DATE OF FIRST DELINQUINCY IS XXXX OF XXXX MEANING THIS ACCOUNT HAS BEEN REPORTING ON MY EQUIFAX REPORT FOR MORE THAN 7 YEARS. 

EQUIFAX HAS FLAGGED AND/OR BLOCKED FUTHER DISPUTES ON THIS XXXX XXXX XXXX ACCOUNT XXXX
Consumer complaint received 2021-05-17
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. (NY)

to Transunion, I XXXX XXXX, am not a third party. I am victim of identity theft. please see the attached FTC for your review