davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Relay Financial (US), Corp. ()

Dear CFPB, I am writing to file a complaint against Relay Financial XXXX XXXX ( RelayFi ), a financial services company that provides bank accounts for businesses. XXXX XXXX ( Member FDIC ) is a bank partner of RelayFi. I have contacted XXXX customer support as well, but they too have not responded to me yet. 

On XX/XX/2023, RelayFi blocked my account and froze my {$9000.00} USD balance without any prior notice or explanation. I received an email from RelayFi stating that my account was blocked due to " concerns around documentation for the business, the nature of the business, or transactions in Relay that have raised flags with our compliance team. '' The email also stated that RelayFi had mailed a check to me and that I should receive it within 60 days. However, this is unacceptable to me, as I need access to my money now. That was all the money I had to run my business and make various business payments. 

I have tried to contact RelayFi customer support multiple times, but I have not received a response. I am particularly concerned because I live in XXXX and my company is registered in Delaware, USA. This means that it is impossible for me to redeem a US check issued under my company name. 

In Section 3.15 of the RelayFi Deposit Agreement ( https : //relayfi.com/deposit ), the company states that it will return any remaining funds in the Account by ACH transfer to another bank account or by paper check. I want to receive my remaining funds via ACH transfer, as I can not cash out the US check. 

I am requesting that the CFPB investigate this matter and help me to get my money back from RelayFi as soon as possible. 

Thank you for your time and attention to this matter.
Consumer complaint received 2022-07-15
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. (NJ)

I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( TransUnion, XXXX and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX  XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2022-07-16
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. (MO)

I submitted my Complaints # XXXX, XXXX, XXXX last XX/XX/22 and I discovered that you have closed my complaints on the same day. I am resubmitting my complaint to you today to inform you that I found out that there is UNVERIFIABLE account on my personal profile, I noticed that the account XXXX XXXX  XXXX Balance : {$770.00} is reporting inaccurately on my credit report. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe the credit bureaus have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).
Consumer complaint received 2024-09-25
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. (WI)

After I reviewed my credit report, I noticed that there were a few accounts listed that didn't belong to me. I've never given these companies reporting or anyone for that matter my personal information. Below are the accounts listed : XXXX XXXX XXXX Bal- {$0.00} Opened- XX/XX/XXXX XXXX- XXXX Bal- {$0.00} XXXX XX/XX/XXXX
Consumer complaint received 2022-07-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allegiant Capital Recovery LLC (MI)

This is not a duplicate Allegiant response lack what I asked for. This is also a Final Notice Allegiant responded to complaint # XXXX stating no monetary relief is due which is false according to 15 U.S.C 1692. The Fair debt Collection Act prohibits debt collectors from using abusive and deceptive practice when collecting on an alleged debt which Allegiant treated as an option. As stated before IN COMPLAINT # XXXX, On XX/XX/2022 XXXX ( Allegiant employee ) threatened to damage my credit, harm my physical reputation and used obscene and propane language violating 15 U.S.C. 1692D- ( 1 ) ( 2 ) and! 5 U.S.C . E ( 8 ). The call was recorded as you guys state before beginning the conversation, as well as I had visitors at my home the time of the conversation that witnessed the call as well as the frustration and anxiety I endured during the call. I called to get information on an email I received from your business without my consent and was told to receive more information on the alleged debt then the one statement they had, I had to pay for them so they can pay for more information which is vey deceptive. XXXX tried to coerce me into paying the alleged debt which an violation not only under the FDCPA but also an violation under Regulation F of the CFPB and the FTC also prohibit coercing in means of collect an alleged debt. You guys also used deceptive and misleading practice by providing a false contract also a blank contract. XXXX XXXX stated the debt was still being collected on until my call to Allegiance when the manager sent it over after the call, not before before as XXXX XXXX stated after talking to the manager there calls are also recorded and can be obtained and used as discovery. Please be advised, rather you sent the debt back is not the moral of the story my federally protected rights was violated while the alleged debt was in your possession from your abusive and unfair practice. This is the final notice with me acting in good faith trying to dispute this controversy, if we cant come to an settlement agreement for you guys violating my federally protected rights as stated on the invoice, then I will pursue with legal matters as this situation has caused me including but not limited to anxiety, frustration, mental anguish which Im entitled to actual and statutory damages.
Consumer complaint received 2023-06-10
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)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (WA)

I do not remember the last date I talked to them, but I told them that I would be catching up my account this month. Could not make a payment that day. They told me that the autodialer would keep calling me and they could not change the frequency. I receive 3-4 calls from them daily from Avant credit card from phone number XXXX. These calls interrupt me at work. 

I would have no problem if they called once a day, but the repeated calls is borderline harassment and I believe a violation of the Fair Debt Collections Protection Act.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX, XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

A transaction in the amount of {$800.00} was deducted from my acct using debit card. I disputed this transaction on XX/XX/23 as this was an unauthorized charge due to the loan never being received and canceled. I was informed by my bank that they were allowed an opportunity to appeal but I was never informed. Wells Fargo representatives told me that the decision making was up to XXXX and not them. I was told that I was not allowed to submit additional information even though the merchant/loan company was allowed to do so. I was not contacted until the claim was denied. I called several times and was transferred to several different departments with no answers to show for. I never received the loan as I canceled it before funds could be given to me. Wells Fargo representatives could not even find the amount on my account and just told me that I had no recourse with them and just had to pay the money no matter what. I explained that I could not afford to pay such a large sum and especially given its for something I did not receive. I need for the payment to be reversed.
Consumer complaint received 2023-02-17
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. (DE)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-09-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.
Consumer complaint received 2023-06-19
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. (FL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023.
Consumer complaint received 2023-06-19
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. (TX)

XXXX in the name of XXXX XXXX is doing nothing but running peoples credit by doing soft and hard inquires under names associated with XXXX XXXX or XXXXXXXX XXXX. Such as the following companies. 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 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 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 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 is making it a point to use these companies to run peoples credit scores down into the ground so they had to pay more credit when they authorize when they recommend them for credit, the consumer financial protection bureau need to take this kind of power away from the three credit bureaus all they should be there for is to oversee credit not strong thumb people into high outlandish interest rates because they have done excessive excessive excessive amounts of inquiries, hard and soft on their credit which drives a Credit score down their credit writing down there XXXX score down everything XXXX needs to be punished punished severely punished like XXXX with a Federal Trade Commission punish light blink with a Federal Trade Commission. They need to be punished for what they are doing.
Consumer complaint received 2023-06-19
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. (LA)

I am grateful for the actions taken by the Credit reporting Agencies in removing a portion of the disputed fraudulent accounts and information off of my Credit File. However, upon reviewing a copy of my updated Credit report, I am baffled to see that a lot of new fraudulent items have appeared and there are still a lot of previously disputed items that remained. In accordance with the Fair Credit Reporting Act section 605, I am submitting this CFPB Complaint to request that the Credit reporting Agencies remove the disputed fraudulent accounts and information off of my Credit and update my Credit File in order to report accurate information only. Please remove the following items off of my Credit File as soon as possible : 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 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 These items are unknown to me. Also, the information that some Credit Bureaus provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some accounts is a mystery to me.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX - Account Number : XXXX - BALANCE {$19000.00}
Consumer complaint received 2024-09-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim XXXX XXXX XXXX I'm filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card Accounts listed below. This request IS NOT MADE IN ERROR OF ANY KIND! PLEASE BLOCK AND DELETE THESE ACCOUNTS that will be listed in this complaint.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Money was removed ( XXXX ) on XX/XX/XXXX, from my bank account and sent to a merchant I no longer was doing business with and I discontinued recurring charges to my account from ALL the merchants I did business with through PayPal. The transaction was done through PayPal who refuses to take responsibility and blames the error on the merchant claiming it was basically business as usual. I filed a complaint on PayPal 's website and only got a lame bot response that nothing was wrong with the transaction ( despite the fact I talked to numerous customer service agents and indicated I did NOT authorize the transaction ). I submitted screenshot of the transaction as well as emailed correspondence to the merchant openly admitting that we no longer have a business relationship and despite that evidence, PayPal 's bot decided against me not to refund my money. One customer service rep admitted that merchants routinely take advantage of the loophole that allows them to reinstate recurring payments, without the customers knowledge, basically using PayPal to ROB consumers and leaves the entire process of getting the matter resolved up to the victim.
Consumer complaint received 2024-10-28
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: Experian Information Solutions Inc. (IN)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-06-23
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. (TX)

I have tried several times to contact TRANSUNION to temporarily lift a security freeze on my credit report. Every time I try, their website is not working, and when I call, I am placed on hold for over an hour. The other reporting bureaus make this a painless process, but TRANSUNION makes this a very difficult process. Please help.