davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On Tuesday XX/XX/XXXX i went to the Fifth Third Bank XXXX in XXXX to request an international wire transfer to XXXX to pay for my brother school tuition. The school provided me with a document to give to the bank so they can initiate the wire transfer. I have printed the paper and gave it to the personal banker who did the transfer. I have waited couple of days and contacted my brother and he told me the school said they never received any payment, so u called the bank and they told me it should take up to XXXX business days and i would need to wait till Wednesday XX/XX/XXXX. On XXXX XXXXXX/XX/XXXX i have contacted my brother school and they said they never received any money and they asked if i can provide a copy of XXXX ( XXXX ) so they can check on their end. I contacted my bank and they said i need to go to the branch for that. I went to the Branch in XXXX and they did not now what is a XXXX XXXX XXXXXXXX ) and they were not able to help me and give me some numbers to call. The last XXXX weeks i kept calling my bank and talked to different people and nobody could tell me what they did with my money ( they charged me on XXXX of XXXX ). I finally was able to talk to a representative who knew what a SWIFT ( XXXX ) was and told me someone will send it to me or contact me between XXXX to XXXX business days. I have waited a whole week and nobody called me and today when i call to see any update they wouldnt help and would not let me talk to any XXXX  or XXXX. I was told the bank who put a trace for the wire transfer cancelled the trace. Now i dont know where my money at and nobody is willing to help me and this is very frustrating. 
My brother school concluded their investigations and said they did not receive any payment and they will start charging {$50.00} fees for late payment and if my brother does not pay the tuition he wont be allowed to enroll for the winter classes. 
This is very frustrating and it is impacting my brother, my work and sleep schedule. I work during the night and i have to stay up till at least XXXX am so i can have a chance to call XXXX bank and get some helps. I also had to be late at work couple of times because i had to stop at the XXXX branch to see if they can help. 
Right now i need some answers and need to know what they did with my money and why nobody could help or at least provide me the XXXX ( XXXX ) so i can try to work with my brothers school on the other end.
Consumer complaint received 2022-06-06
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. (PA)

There has been some information that has been reported on my file. I am a victim of Identity theft with the incorrect items being put on my credit report. I have reached out to each credit bureau but no changes have been made. This time, I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. On a personal level, my family and I have been in the process of making some very life changing decisions to provide a better a lifestyle for us. I am a mother of XXXX and I would like to provide a home for my family however, its been very hard because of the incorrect items on this report. I would sincerely appreciate, if the report could be corrected immediately, as it is a serious hinderance on many levels. I look forward to receiving assistance with this issue.
Consumer complaint received 2022-06-06
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. (FL)

Upon reviewing my updates, there are several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries and personal Information listed are inaccurate and needs to get deleted immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (VA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/2022 I opened a new " TD Beyond Checking " account with TD Bank. As per " Important Disclosures '' in the attached screenshot of the promotion, I've fulfilled all the terms - " 1Offer is available to new personal checking Customers who received a promotional mailing and who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new checking account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a TD Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new checking account within 60 days of account opening. Qualifying direct deposits include your paycheck, pension, government benefits ( such as Social Security ), or other eligible regular monthly income from your employer or the government electronically deposited into your checking account. Person-to-person and bank transfers between your TD Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criterion is met, the bonus will be credited to the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. If the checking account is closed by the Customer or TD Bank within 6 months after account opening, TD Bank does reserve the right to deduct the bonus amount from that account at closing. TD Bank may issue you an IRS Form 1099_MISC, or other appropriate forms reporting the value of the bonus. Offer may be withdrawn at any time and is subject to change. One bonus per account per Customer and can not be combined with any other offer. TD Bank employees and XXXX cross-border banking Customers are not eligible. '' With the 140 day deadline passing and TD Bank has not credited {$300.00} to my checking account, I've reached out to the bank. Bank has refused to credit my account, using post-fact justifications that are not present in the " Important disclosures ''.
Consumer complaint received 2022-06-06
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: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX, I had a Chat conversation with a rep and told him to cease contact I do have screenshots and can send them to Capital One 's Legal Counsel Via email when contacted, I also contacted capital one via email on XX/XX/XXXX, same herein to cease contact. Capital One continued calling, emailing, and mailing collection attempts! Violating the State Law Common Law tort Invasion/Right to privacy law, PA Criminal law under the PA constitution harassment by written communication as the was no legitimate purpose to contact me as I ordered them to cease and desist and still received emails, mailings and calls! On or around a week ago I also submitted info in their legal dept portal and still haven't heard back! I also unsubsrived to all emails and am still receiving promotional offers via email to date!
Consumer complaint received 2022-06-06
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. (FL)

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 
XXXX XXXX Date Opened : XX/XX/2018 Balance : {$370000.00}
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-26
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: Colony Brands, Inc. (MO)

I have been the victim of identity theft. Seventh Avenue has been sending invoices for months on an account that I never created. Now they have reported my account as delinquent to the credit reporting agencies. This company Seventh Avenue is running a phishing scam. Now my credit is severely compromised. Ive had a score of well above 800 for more than a decade. Now its dropped by XXXX XXXX due to this incident.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account XXXX Account Name : XXXX Account Number : XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Collections Enterprise, Inc. (GA)

American Collections listed a debt on my credit report without notifying me of the attempt to collect the debt and providing proof/validation of the said debt. Which is illegal, they are supposed to provide a letter providing me notification of the said debt or giving me the opportunity to dispute the information.
Consumer complaint received 2022-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV INC. (OK)

IRS uses this company for EIP. I didn't get my EIP. IRS form shows a adjustment due to them sending the EIP through this garbage company in a visa card. 
Tried to call XXXX and this phone number WILL NOT allow me to get to a human and just hangs up. Entered my zip and social on the lost card section and it just hangs up on my. No other way to contact this company. 

Called the company through a different line and got XXXX ID : XXXX and she was totally useless for help. Refused to get me to a supervisor and refused to help. Only gave me the same phone number I couldn't use. 

Is this how we take care of our veterans. I served my country and now I'm getting shafted by the IRS and this joke Money Market. Next step if the IRS doesn't start answering their phones or this company doesn't resolve this will be 1 ) the news, 2 ) XXXX, 3 ) attorney. You decide if you want to make this easier or not. 

Many of us work our XXXX off to pay taxes and this is how we are treated. 

I'm sure this company will send their blanket useless response they have already in template form. Only solution I want is a phone number to a direct human that can answer my questions so I can get my card the IRS OWES ME!
Consumer complaint received 2022-08-18
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. (NC)

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 602 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 2022-06-06
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. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX 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 without my written instructions.
Consumer complaint received 2022-06-25
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX 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 2022-12-15
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (DE)

AES have violated my right under the Family educational rights and privacy act of 1974 and the family educational and privacy right.20 U.S. CODE 1232G SECTION B. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents.

I have never gave AES permission. When a rep called me on XX/XX/XXXX they refused to talk to me about how they have violated my rights under federal law which I have a ( voice recording o ) f. They also Changed my name with the Credit reporting agencies such as XXXX who told me that AES are the ones who changed my name. The name they have given me is XXXX XXXX XXXX That has never been my name. I don't have a middle name. This is a deformation of charter as well as the my right to privacy UNDER. 6802. Obligations with respect to disclosures of personal information. In accordance with the fair credit act, this creditor has violated my rights. Under 15 usc 1681 section 602 states I Also have the right to privacy. 15 usc 1681 section 604 ( a ) section 2 it also states consumer reporting agency can not furnish an account without my written instructions. FCRA SECTION 623 AND REGULATION states " that furnisher must not furnish inaccurate consumer information They broke that law when they changed and reported my name as XXXX XXXX XXXX.