davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

I HAVE WIRED AMOUNT OF XXXX US DOLLARS TO A PERSON VIA MONEYGRAM FOR THE PURPOSE OF BUYING A LAPTOP FROM HIM. 
HE RECEIVED THE MONEY FROM THE MONEYGRAM, AND WHEN ASKED HIM TO SHIP ME THE LAPTOP, HE STARTED MANIPULATING ME AND DECEIVING BY ASKING FOR MORE MONEY. 

I REALISED THAT HE IS MAKING A FRAUD, SO I CONTACTED THE COMPANY ( MONEYGRAM ) AND ASKED THEM TO FILE A COMPLAINT, AGAINST THEIR CLIENT ( BLACKLIST HIM OR TRACE HIM OR TRACK HIS TRANSACTIONS OR RLAY THESE INFORMATIONS TO THE CONCERNED AUTHORITY ). 

I REALISED THAT THEY WILL NOT DO ANY SERIOUS ACTIONS TO HELP AUTHORITIES CATCH THESE POEPLE AND PROTECT INNOCENT POEPLE FROM BEING TRAPPED BY THEM BEING MANIPULATED AND LOSE THEIR MONEY.. 

I ALSO MADE A COMPLAIN IN THE FBI SECTION AND I WILL INFORM THE LOCAL STATE FEDERAL AGENTS.
Consumer complaint received 2020-12-05
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. (AL)

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Consumer complaint received 2022-07-18
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. (GA)

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Medical Management, Inc. (PA)

On XX/XX/XXXX I pull my credit report and found that FINANCIAL RECOVERIES ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ACCOUNT # XXXX ALL THESE ACCOUNTS. 
I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The FINANCIAL RECOVERIES has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX  from XXXX  fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report.7 ) Collection Company fail to report a disputed debt to the credit bureaus. Protection afforded by the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00}. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Consumer complaint received 2023-04-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I attempted to rent a home from a property management company. They misrepresented the property, we never took possession of it and were told we weren't financially responsible. I have a letter and receipt saying there is a {$0.00} balance. They offered us a different property, then withdrew it. 
We filed a complaint with XXXX  over the whole situation after they tried to bill for rent after the fact. The case is still open and we have communicated with Hunter Warfield aggressively, going as far as to continually send the updates from XXXX as we received them. The case is pending and the balance in question is part of the direct complaint. This is also being handled at the Attorney Generals office. 

They have ignored anything we have shared and wrongly placed this on my credit.
Consumer complaint received 2023-04-21
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: Bread Financial Holdings, Inc. (CA)

I was a victim of identity theft. The thief/thieves were able to take out credit cards in my name as well as open bank accounts and obtain personal loans without my knowledge. I have been writing to the commenity bank, XXXX XXXX XXXXXXXX  as well as XXXX XXXX and XXXX regarding this issue on and off for about two years. 
Victorias secret is reporting a charged off account of {$0.00} on my credit report, XXXX {$6500.00} charged off account, XXXX XXXX {$0.00} charged off account, XXXX XXXX  {$0.00} charged off account. I have requested multiple times for validation and verification to be sent to me from these creditors showing proof that these accounts were in fact opened by me, since they have been reporting these on my credit report for the past few years hurting me financially. I have let them know that there were multiple names and addresses that did not belong to me, which most of them the bureaus have removed, but there is still a variation of my name that i have never been associated with that remains. I have also been in touch with the 3 bureaus begging them to investigate and request proof of these accounts with no luck, seems that my rights as a consumer are being violated, hence the reason I am reaching out to the CFPB for help in this matter.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NJ)

I had two checks that were mailed that did not reach their destination and were intercepted and endorsed/cashed fraudulently. The checks were written in XX/XX/XXXX & XX/XX/XXXX, however, I didn't realize that they were forged until XX/XX/XXXX. 

I initially filed a claim with my bank, CHASE, on XX/XX/XXXX, and have made a follow-up phone call every two weeks since then. I have documentation of those phone calls. Today, I spoke with CHASE and they informed me that they sent a follow-up letter to XXXX XXXX XXXX XXXX where the checks were cashed, today. I was told that they have 90 days to respond to the initial letter that was mailed in XXXX. Today marks 90 days and I was told that I might not hear until XX/XX/XXXX. 

This is unacceptable because the total amounts are almost {$5000.00} and I am on a fixed income. My XXXX check was for a tax bill which now I'm being charged interest which I am liable for. 

I am hoping that you can resolve this matter as I am getting nowhere with my financial institution. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I'm seeking your help to address the incorrect account reflected in my credit report. This concern has affected my personal reputation, and I need your cooperation in resolving it. The mishandling of my credit has devastated my reputation, and the inaccurate information must be removed immediately.
Consumer complaint received 2022-08-21
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. (PA)

I received a email about a inquiry on my credit report so I checked my report and found several false inquiries on my report which includes XXXX 3 times, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Consumer complaint received 2021-09-19
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. (NJ)

Transunion has repeatedly reported the balance on my student loans as increasing by thousands of dollars causing my score to decrease. My student loans have been in forbearance due to the COVID-19 emergency relief since the beginning of the pandemic, therefore no interest is being charged and the balance is not increasing. On XX/XX/21 after noticing that my credit score decreased by almost 50 points because of a false reporting of the student loan balance, I contacted my loan provider ( XXXX ). They informed me that many consumers have had the same complaint and that they have not reported an increase in the balance to Tranunion. They recommended that I file a dispute. I filed a dispute that same day and received the results dated XX/XX/21. Nothing was corrected.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP (NC)

On XX/XX/2019, a " Notice of Delinquent XXXX  Account '' letter was sent to me by Linebarger, Goggan, Blair & Sampson, LLC, claiming that I owe {$79.00} to the New York State XXXX XXXX. On XX/XX/2019, I sent a letter to the above named firm disputing the debt and requesting that they provide me with verification documents. 
I moved out of NY state in XX/XX/XXXX, so I have substantial reason to question the validity of the claim made. 
The firm did not reply to my request for verification. Instead, they send on XX/XX/2019, a " Second Notice ''. Both Federal and State ( NY ) law require that the collection activity stop once a request for verification has been submitted and remain in abeyance until such verification has been provided. This firm has violated those statutes and has not provided any such verification in reply to my request and is continuing the collection process.
Consumer complaint received 2023-04-05
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. (TN)

I am requesting a proper re-investigation of the following accounts that have been reported back to my credit profile as verified. XXXX XXXX, XXXX, and XXXX. There are STILL accounts that are closed but open on another reporting agency. There are STILL accounts with 100 % payment history that have been confirmed to be true in favor of the collection company. My FCRA rights as a U.S citizen are STILL being blatantly violated and I am requesting that you do due diligence this time around. There was NO real investigation done, only a half-done one in which the reporting agency sided with the collector because of their business transactions I am assuming. Attached to my documents are excerpts from the FCRA bill that explains how and why I am entitled to a fair investigation and why items should be removed if they are not properly investigated and found to be 100 % accurate. 


[ 15 U.S.C. 1681 ] states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; [ 15 U.S.C. 1681 ] states Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-05-17
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 Account XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. 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 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 2024-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (FL)

XX/XX/year> Charges were made at various stores in TX on my Debit card totaling {$630.00} Noticed charges notified Regions immediately. 
Went to home office, told them, got new debit card ( me ) they were going to keep eye on account XX/XX/year> Charges made on new Debit card to the tune {$2000.00} ( {$500.00} XXXX ) This time in NY. 
Canceled my card totally, then noticed someone had changed my home address to XXXX TX. Fixed that. Put a password on account so no one could do anything else. 
Closed original checking and savings for insurance of no more activity there. 
Filed police report with XXXX XXXX Sheriff Office, Investigator could get no further than me without further cooperation from Regions. 
Regions said that I authorized all transactions, even though there is proof that I was in my home town and both dates. 
XXXX XXXX Close all accounts at Regions.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

The alleged original debt was from XXXX for XXXX of services on an account that had been closed prior. The debt was assigned to XXXX XXXX XXXX XXXX XXXX in 2022. I immediately contacted XXXX XXXX XXXX, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer ( XXXX ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, XXXX did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with XXXX. I did not receive a response. Now, it seems as though XXXX has assigned the item to Southwest Credit. Southwest Credit has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Im reporting USAA for bad business practices. 

I had a credit card with usaa that ended up becoming delinquent and added to my credit report. 

In a effort to get my credit report cleared and in good standing I contacted usaa and requested a settlement for the credit card. 

They originally offered a settlement of {$500.00} but now they are only accepting {$990.00}. 

Once I accepted the amount they offered they informed me that the payment would be posted once received ( which could only be mailed in, they would not allow me to pay over the phone ) Then I would have to wait 15 days to get a letter stating the debt was paid. 

I certified mailed the payment on the XXXX of XXXX and they received the payment the XXXX of XXXX. 

I called to make sure it was received and to get confirmation the situation was being handled as discussed previously. 

It was confirmed the payment was received XX/XX/XXXX via a phone call XX/XX/XXXX. I was then informed that I would have to wait until the XXXX for them to apply the money to my account. 

I asked why would they hold my money for 8 days and not just apply the money now. According to USAA because the account is delinquent. 

That makes no sense to hold the money at the bank 8 days after receiving to then apply it. To then say I have to wait 15 after that to receive something saying the debt was taken care of. 

The letter they sent pertaining to this process doesnt even clarify any of the terms they are telling me over the phone. ( See Attachment ) This is bad banking practices and I want USAA HELD ACCOUNTABLE. I also want this situation resolved on my credit report ASAP.
Consumer complaint received 2019-09-09
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: AC AutoPay LLC, Denver, CO Branch (AL)

I was told that my application to refinance my car was only going to be sent to one company by Autopay and their company did not shotgun your credit. The application took almost weeks because their employees was not doing there job. I called Autopay to check on my application because I had not been contacted. I was told by XXXX XXXX Grant that it was not submitted. I got upset and told him to stop the application process. I received a deny letter in the mail from XXXX XXXX XXXX because verification documents was not sent. I didnt not give permission to send my application off. Also they requested {$2000.00} more than the amount I put on my application. After receiving the letter, I noticed that I had two inquiries for XXXX XXXX XXXX and XXXX XXXX. I called Autopay on XX/XX/2019 and voiced my concerns and the purchase manager, XXXX XXXX apologized and said that it was their mistake but they couldnt do anything about it.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a Chase account and everything was fine and then I get a letter that they were closing my account stating that its from Information that they have because of my association with a chase credit card deposit on vestment count that was previously closed. Several years ago I opened up an account for my boyfriends construction company but it was in my name because he was too busy working to go into the bank and he just doesnt do paperwork computers or anything like that so I open the account in my name and owner. Had properties in the XXXX XXXX, XXXX XXXX area, but he lives back east in Ohio somewhere he was depositing money for payroll and for construction materials that we needed to complete the remodel of the apartment complex I get a notice from Chase that they are closing my account, they accused me doing illegal Things in so many words, they insinuated I was laundering money or something like that. Thats the impression that I got I was absolutely mortified abhorred at the insinuated allegations. Fast forward to XXXX I open a Chase account because Im not happy with XXXX XXXX because XXXX XXXX close my account installed one of my savings bonds my father had purchased for me. Anyway, so Chase close the second Chase account but I turned around and opened up another Chase account and they allowed me to the system didnt catch it and then XX/XX/XXXX. I receive a letter that states after careful consideration we decided to close your account because of your association with the Chase credit card deposit investment count that was previously closed. Heres what you need to do blah blah blah. Ive tried to talk to people reached out to people tell me this is a mistake Im not sure because XXXX XXXX put me on early warning system When they close my account and stole my bond money which thats another case that XXXX reported about thats being resolved actually so it could be that early warning system thing or could be this old account for mini years ago. I think it was maybe XXXX XXXX I had my other Chase account its been so long.
Consumer complaint received 2023-04-25
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. (IL)

TransUnion and XXXX Credit Bureaus have reported a charge off from XXXX XXXX  with inaccurate dates of last reporting and last date active : TRANSUNION XXXX last reported date XX/XX/XXXX XX/XX/XXXX date last active XX/XX/XXXX XX/XX/XXXX This is only to re date my report so the negative information can stay on longer. Please have them delete this account as this is a violation of 15 US CODE 1681. This is my 3rd attempt and last before I will have to go to small claims court.