davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Credit reporting 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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2021-09-01
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. (CA)

I recently filed a report with XXXX, XXXX  and Equifax of inaccurate items being reported on my credit reports. NONE OF THE THREE BUREAUS REMOVED THE INACCURACIES. Failure to delete items that were disputed as debts which resulted from identity theft is a violation of The Federal Fair Credit Reporting. I never received notification of the debts on my credit reports. This is a defamation of character and misrepresentation of my true credit worthiness. I recently applied for a loan and was denied due to inaccurate information being reported on my credit reports. I am exercising my right as a consumer who is a victim of identity theft. I ask that these accounts be deleted within 15 days of these receipts otherwise I will be forced to file a litigation explicitly stating your companys negligence to abide by The Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Consumer complaint received 2021-11-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Neon Newco Corporation (IL)

For the past 3 weeks Ive been trying to access my funds but this bank froze my account asking for verification of my id, social security and address. I sent pictures of my passport, social security card and my SSI award letter with my address. I am currently living with a family member since I am on XXXX and can not work so I have no bills or paystubs with my address. This bank wont accept my award letter and will not allow me to get my only money to live. They are discriminating against those that relay on family to live with. How can I show my address on a bill when I dont pay any. Im XXXX.
Consumer complaint received 2021-09-16
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. (AZ)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (RI)

To whom it may concern, XXXX My name is XXXX XXXX the above is my account number for XXXX XXXX through XXXX XXXX  I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make two payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by 24 points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit reran again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX
Consumer complaint received 2020-07-25
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. (NY)

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LOVE THEM TO BE REMOVED OFF MY CREDIT FILE
Consumer complaint received 2021-09-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (NJ)

I was scammed by a company on XXXX posing as a XXXX XXXX firm. I waited 30 days to dispute the charges after realizing they were a scam. They blocked me on XXXX. I reached out to Direct Express to file a dispute. They did. I received paperwork to sign and send in, which I did that following Tuesday. I kept calling and they claimed they didnt receive it. The last call they told me that the dispute was closed out. Were talking about {$790.00} in a scam charge and they refuse to even investigate it because THEY lost the paperwork. I record every call with Direct Express. The gentleman said I had to verify my account before opening the dispute again. I did. Instead of it taking 5 hours it took 7 days. In record every call - the email given to me by the rep was incorrect. They verified my account and I called back. A XXXX  rep spent 20 minutes on the phone giving me instructions on how to open back the claim to be investigated. She said because I stated they lost my paperwork and I refuse to say the post office lost it shes not allowing me to open my claim. I told her thats fine I recorded this entire conversation. This woman sounded XXXX XXXX, please listen to the recording. She slammed down the phone on me. I called back, this rep now tells me she doesnt know what Im talking about they dont have an email. I explained the situation and she looked over the account and said the claim is open but next to it there are 3 question marks and it says unassigned. What can I do about this company? The merchant are scammers. Professional scammers. XXXX them. Direct express wont even investigate it. This is a lot of money. What can I do as a consumer? I will be reaching out to the media with the voice XXXX recordings. Direct express refuses to investigate claims and their excuse is you didnt send the paperwork not to mention theyve been sued by federal courts for their financial abuse to XXXX individuals. I will not stop until I get every XXXX back.
Consumer complaint received 2019-06-28
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. (NV)

XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/XXXX I got custody of my 2 grandsons who lived in Alabama because their mother was in stage XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX  1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 
1. I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 
2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 
3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 

4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Consumer complaint received 2022-01-10
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. (FL)

There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX rXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

Citi bank put an add the if you open a new account and deposit money with them, you will be getting a sign on bonus. It is total fraud. They take money and then close the account, will tell you that they can't give your money back. It takes 2 hours to connect to an agent. After spending 10 hours talking to 5 different agents. I have still not got my money back. Forget about the bonus money.
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (GA)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax refuses to update my credit report and include my new credit card accounts with XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

I've had these accounts for 3 months now. 

We're in the process of filling a class action lawsuit against Equifax.
Consumer complaint received 2022-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (MD)

XXXX XXXX, This complaint is against USCB AMERICA, a collection agency located at XXXX XXXX, CA. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to. 

I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
I have complete records of all correspondences, certified receipts, etc. with this company. If you would like to review this documentation, please let me know. In the meantime, I thank you, in advance, for your immediate attention and response to this matter. 
XXXX
Consumer complaint received 2021-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

I sent money using the venmo app to have digital art made. I sent the person funds and never received the product I had ordered. I filed a dispute with venmo to attempt to mediate ( like a credit card does ) to work to get refunded or the goods delivered. 
Venmo did neither. I received a response within two hours of chatting with a venmo online chat rep. that read " For resolution, we ( venmo ) recommend that you reach out to the receipt of the payment, as we are not able to provide reimbursement or mediation in this instance. '' Moreover, " If you are unable to contact this person ( which I can not because they have blocked me on social media ) you may consider filing a report with your local law enforcement agency. Law enforcement can send a request for information to venmo. Once we've received this request we will be more than happy to assist the agency with their investigation. '' " I apologize that we are unable to assist further with this matter. '' So basically, venmo is allowing scammers to actively use their platform. Moreover, Venmo is falsely advertising that they offer the same benefits as a credit card for scam protection for the buyer, and/or seller.
Consumer complaint received 2023-01-14
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)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX 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/XXXX.
Consumer complaint received 2022-01-10
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. (OH)

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than XXXX. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX
Consumer complaint received 2021-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX 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-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-03-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Trans-Fast Remittance LLC (CA)

On XX/XX/2019 I contacted Transfast to transfer {$85.00} from the US to a bank account in XXXX XXXX to pay for maintenance work done on a property my family owns in that country ( Transaction Number : XXXX ). I spoke to a Transfast service representative about some difficulties I had with the website as a part of using their service. Neither the website or the person I spoke with gave me any indication of issues with transferring money to XXXX XXXX. Late in the day on XX/XX/XXXX I heard from the recipient of the money that the bank in XXXX XXXX would not release the money into the recipients account until they had received a laundry list of items including : A photo ID, A letter with an original signature that explained my relationship to the recipient and why I am sending that person money, and a legal document indicating the origin of the money such as a tax return. 
These would be difficult to accomplish if I was in XXXX XXXX, from the US it is pretty much impossible to do, especially in a timely manner. The morning of XX/XX/XXXX I received and email from Transfast letting me know that my transaction was complete. I immediately called the service number and explained the situation to a representative and asked if there was any way that they could reverse the transaction. He politely explained that they are not responsible for the rules that apply in the receiving country. and there was nothing that Transfast could do. Legally I am sure that is correct. However, morally and ethically I believe that Transfast, as a company that specializes in moving money had a responsibility to be aware that XXXX XXXX has special restrictions on the transfer of funds that would likely result in the funds not being available and to give customers a warning of those special restrictions before they proceed with a transaction. The result of this is that I have spent {$90.00} ( {$85.00} transferred + {$4.00} fees ) that I can not get back and the recipient can not access ; essentially the money is gone. Transfast has their service fee and they are done. To add insult to injury, the Transfast email alerting me that my transaction was complete included a link to a customer satisfaction survey. After I spoke to the customer service representative I clicked on the link and it took me to a page that said the survey had been closed. Although technically the money transfer is not complete because the funds have not been deposited into the recipients account and are now stuck in limbo I fully expect that this will be an expensive lesson learned. I can only hope that by sharing my story here that others will not make the same mistake.
Consumer complaint received 2022-04-23
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. (GA)

In accordance to the Fair Reporting Act XXXX Account - XXXXXXXX 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 an account without my written instructions.
Consumer complaint received 2022-04-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I got behind in XXXX when I fell and broke my hip. Started to pay as agreed and got behind again by 3 months and brother helped me in XXXX. In XXXX I took the Covid Relief and the loan is current right now. My husband passed in XXXX of XXXX and i've been struggling with this mortgage this entire time to do a modification. They said they would not work with me until I had provable income and I started getting social security in XXXX of XXXX. I continually struggle to get in contact with them and am consistently giving the runaround. I've emailed, I've called, and there is just no response. I was told to contact this person and he refuses to respond to any contact email or phone. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ext XXXX.