davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-04
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: EQUIFAX, INC. (NJ)

Im writing this letter to dispute the following 3 reporting agency in which they did not respond to my disputes. These agency are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ** I am not a debtor. I am a Secured Party Creditor that DISCHARGES ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHS. 48 49.

JUNE 5, 6, 1933 HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ** ** Brady v. U.S., 397 U.S., 742 at 748. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences **
Consumer complaint received 2020-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX XXXX {$8500.00} XXXX XXXX {$0.00} XXXX XXXX {$3700.00} XXXX XXXX {$390.00} XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Kindly remove this information from my credit report within XXXX business days, in accordance with section 605C of the Fair Credit Reporting Act. I would appreciate a notification regarding the actions taken. Thank you for your swift attention to this issue.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (GA)

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. It is now XX/XX/2020 and it is well over 60 days. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Consumer complaint received 2024-12-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

On XXXX, XXXX XXXX notified me of fraud and some items were returned. It is customary for a card to b suspended once fraud is detected.They allowed charges over {$700.00} for the same XXXX date and they told me in writing that since a chip was used it could not be fraud. The truth is crooks can and did capture my card information from a chip using a technique called shimming. I have tried several times to speak with them but they lie is is really a sad situation.
Consumer complaint received 2023-05-08
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXX, XXXX Date of inquiry Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of inquiry XX/XX/XXXX.
Consumer complaint received 2020-08-28
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. (CA)

THIS IS A NON-RESPONSE. THEY HAD 30 DAYS THEY DO NOT HAVE A RIGHT TO CONTINUE ANY KIND OF A REVIEW. 


STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation. If you need to dispute information on your credit report in the future, you may dispute directly with TransUnion online at https : //www.transunion.com/credit-disputes/dispute-your-credit. Should you have any further questions, please  contact www.transunion.com ( XXXX ) XXXX XXXX  XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2022-11-19
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. (IN)

In XX/XX/2022 my card was reported as over the limit. I paid down and resolved issue. XX/XX/XXXX card was reported again card over limit and it is not over the limit.
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MT)

For XXXX  years I have sent {$1000.00} through XXXX XXXX to my XXXX, XXXX XXXX XXXX XXXX. I use XXXX XXXX XXXX app. Where my bank acct XXXX card has been approved through XXXX XXXX and my XXXX name/address has been vetted. XXXX day a temp problem came up about XXXX months ago with my XXXX XXXX app. So i temp went through " Money Gram ''. XXXX XXXX ok... it went through, but the XXXX attempt money gram banned me for life from using their services. I filed a complait and i emailed a copy of the XXXX years worth of mtcn numbers starting XXXX to present with XXXX XXXX. The again claim im banned for life. I met my XXXX  at the XXXX airport in the XXXX on XX/XX/XXXX. Because of the pandemic i had to return to XXXX. I feel my XXXX  and my name have been wrongfully slandered. Why cant they do as XXXX XXXX and verify my XXXX Im very upset and money gram wont even talk to me about why. They simply say they feel uncomfortable
Consumer complaint received 2020-09-04
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)

Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A. (MD)

Kirshbaum, Nanney, Keenan & Griffin, P.A made an unauthorized pull of my credit report fraudulently stating I applied for Installment or Bank account credit with Kirshbaum, Nanney, Keenan & Griffin, P.A. The firm claims that XXXX told them to use the coding that pulled my report in this manner in their response to my initial complaint of this manner. I am demanding to be given the Name, Address and date of the employee at XXXX that instructed Kirshbaum, Nanney, Keenan & Griffin, P.A to pull my credit in this manner and if they had creditor authority in this matter why they pulled my credit report as if I applied for credit with them when I never gave them authority to do so or applied for credit with them?
Consumer complaint received 2022-04-01
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: WELLS FARGO & COMPANY (FL)

Good day Wells Fargo " Specialist '' I received your response today and as usual you have failed not only me as a Consumer, but you have failed the once pristine reputation of Wells Fargo. Should really think about changing your brand? Anyways youre previous and multiple responses do not address the cusp or root of the issue at hand. I'm not trying to persuade you to change your position based on new information. I'm stating that you need to change your position based on the information that has all already been provided. 
Again just because you deem the matter closed doesn't make it so... I did not except the almost identical terms and agreements of a loan that was deemed predatory and unlawful within our justice system. If I have to bring your so called modification in front of the Supreme Court for a final ruling I can do that as well. So to be clear, and keep in mind these complaints will be used against you as an attempt to resolve the matter amicably, the Modification was not handled in a manner that's been deemed fair and in the best interests of me the consumer based on my financial situation at the time. As a reminder then Attorney General XXXX XXXX named Wells Fargo as possible violator of the {$25.00} billion National Mortgage Settlement. Florida had received {$28.00} million as part of a multimillion, multistate settlement entered with Wells Fargo Bank N.A. to resolve claims that the bank violated state consumer protection laws, among other laws.
Consumer complaint received 2021-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (NH)

We were struggling to pay the mortgage due to covid and loss of hours/income. We had entered into the forebearance period through loss mit and finally started to get back on our feet. They offered us two choices, defferal or modification. We chose to go the modification route as the XXXX payment was still going to be hard for us to pay due to loss of income as well. So on XX/XX/2021 I sent over the modification application for approval. They told me it was going to take 10 days to process. After 30 I called up and they said it would take 2-3 months. So when I paid the mortgage payment I would check on the status as well as in their computer system. They had no answers ... Come XXXX I started calling weekly to see where our application was, I got several different answers from XXXX, XXXX, XXXX, XXXX, as it was shipped, but I never received anything ... They also stated a supervisor would get back to me ( they never did ). So finally on XX/XX/2021 I called and spoke with 3 different agents ending with XXXX. He told me that the supervisor of our loan no longer worked for the company and that because it has been so many months from our application that it was no longer good and I had to fill out a new application. This is unacceptable and very sloppy work as per attached I have been calling monthly and weekly to follow up on my application.
Consumer complaint received 2022-04-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hi, my name is XXXX. On XX/XX/2022 I despatched a letter regarding an accurate and unknown things on my credit file to this present day over 45 days later I have now not received a reaction yet. I sense like Im being taken benefit of and being neglected. Section 611 ( a ), It states that a failure to research those items inside 30 days offers a motive to right now put off the ones objects from my credit document its been over forty five days so that they must be deleted right away. I call for that those bills be deleted immediately or I will report for litigation due to the stress you have precipitated me. My facts become also impacted by using the Equifax information breach and can are becoming into arms of the wrong character.
Consumer complaint received 2020-09-04
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. (TX)

Last week I made calls to all 3 credit bureaus about multiple hard inquiries showing on my credit report from XX/XX/XXXX-XX/XX/XXXX, this was around the time that I purchased a vehicle. I was told by the dealership that it would count as 1 hard pull but it ended up putting double digit inquiries on my reports. These inquiries have been disputed multiple times through a credit repair agency and nothing has come off. Im sending this same complaint to all 3 bureaus because its not fair to not take credit disputes seriously for the sake of keeping people in a cycle of having challenged credit. Im in the process of starting a second business & have had to pay for things out of pocket to keep my first business afloat. I need these inquiries removed immediately
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MI)

From XX/XX/XXXX to XX/XX/XXXX, I have received ( 3 ), different/unique, fraudulent debit cards opened in my name from CashApp. 

Each time I received a fraudulent card, I notified CashApp via their phone support. One of the steps CashApp performs when a user reports fraud is requesting the person on the phone to provide their email address, so the person reporting fraud can be sent a link to upload pictures of the card. 

On the 1st and 2nd reports, I would receive this email and would at least feel that something may happen. Despite confirming my information, on the 3rd report I had in XX/XX/XXXX, I was never sent an email. 

On the most recent phone call with CashApp in XXXX, I also requested they take further action to prevent people from fraudulently opening accounts under my name with them. I have never used CashApp, but I have been a victim of a data leak. My name, social security number and address were part of a data leak, and I now have these issues to deal with. 

XXXX  XXXX XXXX was a pleasure to work with. After my initial report to XXXX  XXXX XXXX. I have never had another fraudulent card from XXXX  XXXX XXXX. 

I believe CashApp does not take consumer finance seriously, and are either intentionally or unintentionally negligent. CashApp provides poor customer support, and does not prioritize combating identity theft or fraud on their banking platform. CashApp fails to demonstrate a basic understanding of how to prevent money laundering with know your customer ( KYC ). This is a requirement by the SEC. 

Based on the lack of email follow-up for pictures of the card with CashApp, I am certain they have not handled the matter like they have in the first two instances. I have no confidence in them preventing a 4th fraudulent account being open in my name.
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE (FL)

Western Union makes it difficult to collect expired remittances Deliberately makes it difficult to collect on expired remittances.

They put obstacles so that customers get tired and desist the collection of small amount remittances.

These are the facts : 1- On XX/XX/XXXX my customer sent {$45.00} according to MTCN XXXX. 

2.- Due to the Covid-19 pandemic, I did not collect the remittance in a timely manner. 

3.- In XXXX I contacted Western Union where they informed me that the remittance had expired and that the sender should speak with the Western Union agent in XXXX to renew it. 

4.- The client informed me that he made several attempts and the agent always told him that the MTCN number did not appear in the system and therefore he could not do anything. 

5.- On XX/XX/XXXX, I called the Western Union support system and the automatic voice agent informed me that the money was available to be collected. 

6.- The same day I went to the XXXX Supermarket located in XXXX XXXX , XXXX, FL, which is a Western Union agent . The clerk informed me that the MTCN number did not appear in the system. 

7.- The same day, I spoke with XXXX in Western Union Customer Support and he told me that the sender should cancel the remittance and resend the money, of course paying the expenses again to Western Union . 

My point is the agents are not properly trained and give contradictory suggestions, in addition the system has bugs, for instance, the responses of the automatic voice agent contradict what the agents see in their systems. All this favors Western Union economically because customers give up collecting the amount of the remittance or have to do it again with the consequent money loss.
Consumer complaint received 2020-09-04
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)

The company by the name of XXXX XXXX XXXX reporting that in 120 days late, which Im not, my account was transfused to a next company so I dont understand why they reporting. This negative items on my report
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2020 I was helped But as I put an application i got denied I don't want to be homeless with my loved ones and would appreciate if anything can be done to help with me using my credit at the moment
Consumer complaint received 2021-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of ID theft and credit reporting agencies are making it difficult to clear data inquiries and freeze reports. Though my personal information does not match my current information, they are misusing my information and providing my information to fraudulent applications. 
On XX/XX/2021, I received approximately 15-20 payday and personal loan inquiries. I immediately call the XXXX major bureau and I was referred to the company the placed the hard inquiry I have letters/email replies that there investigation shows I am a victim of fraud and they are cancelling application and sending it to the credit bureau. I have spent hours working through all this false applications. I called TransUnion after a XXXX time and though XXXX removed inquire for the same day they are refusing to remove the same inquires from another lender that performed inquiry as the same id fraud. I filed an XXXXnternet Crime Complaint because that is the direction of my local police department because it is all occurring online. The credit bureau that has been impossible to get a hold of is XXXX  there website states I can put in a 5 year opt out request over the phone but they never answer the phone. On XX/XX/2021 the same information, my old address that I haven't lived in an 4 years in other city and my personal information for a repeat id theft. This companies are not doing enough to protect information especially when it does not match and I have an Fraud alert. I need help clearing my reports and they want us to mail to a po box and they are not acting fast enough to protect the consumer especially when the application provide does not match current information.
Consumer complaint received 2020-08-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I first was told my {$750.00} pre-paid debit card from XXXX, through Bank of America was sent to my old address, but never received. Once I complained about that, I did get a new one issued through Bank of America. Card number XXXX with an expiration date of XX/XX/20. 

Once Covid-19 hit I forgot about the card and quite frankly the expiration date. I went to try to use it this week and was told it had expired. I called Bank of America and was told it indeed has expired and that the money was forfeited. I asked where the money was and if it went back to XXXX or to Bank of American and I was again told it was simply forfeited. 

I see my part in this as I did not know it truly expired. However, between not receiving the original card and Covid-19, I believe I should receive the {$750.00} or at least know which company " profits '' my {$750.00} so I know not to do business with them any longer.