davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (VT)

I attempted to transfer funds from my Swiss bank account ( in the amount of XXXX Swiss Francs ( CHF ) ) to my XXXX bank account ( XXXX XXXX XXXX using the " Wise '' money transfer service on XX/XX/2022. However, Wise ( or its partner bank/intermediary bank in the USA, XXXX XXXX XXXX appears to have either lost or stolen my money. For over XXXX months now ( since XX/XX/2022 ), Wise has not been able to track my money nor to refund it, despite countless e-mails to their customer service department and hours spent on the phone with my bank ( XXXX XXXX ) in the USA, as well as with Wise. Wise customer service has been shockingly and unacceptably incompetent and unhelpful. Essentially, they have not been willing or able to find or return my money. I have even suspected possible fraud ( though I'm not sure ). Finally, on XX/XX/XXXX, Wise admitted they could not trace the funds and offered to initiate a recall of funds ( which i had previously requested but they ignored my request. ) I asked how long it would take for me to get my money back and what the process is and heard nothing back. So I desperately wrote again & pleaded for a response and was, unfortunately told by Wise that, " no estimation or timeline we can provide for re-call, as it's outside our control ''. 

This appalling situation and unprofessional, unethical practice on the part of Wise has caused my family and me undue, prolonged and extreme stress. I never want any other customer or human being to endure what I have suffered at the hands of Wise. I also believe Wise should not be allowed to operate as a money transfer company if they are going to lose people 's money and fail to provide adequate redress and customer service. 

Please see attached document for details of my correspondence with Wise. 

Thank you in advance for your guidance and support.
Consumer complaint received 2022-07-13
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. (NJ)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

XXXX XXXXXXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Consumer complaint received 2022-07-13
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PayActiv, Inc. (IL)

Payactiv card which is owned and operated by XXXX XXXX  XXXXXXXX XXXX in XXXX  XXXX Missouri is holding my money hostage and trying to take my money in double batches.. for example XXXX returned an amount of XXXX to my card and it was posted to my card only to be taken without consent or authorization by me .... The money is being held hostage on an unauthorized hold and will not be released until said company XXXX emails them a letterhead .... Also on XXXX an amount of XXXX was taken and they are trying to retake that SAME amount in different transaction amounts i.e XXXX on XX/XX/2022 i now have text messages to confirm they were trying to do this scandalous action... i would like my money back or else next step is filling with the f.b.i
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (NJ)

I had an account with XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ). I called and emailed them to cancel my account because they debited funds from my account on XXXX separate occasion without my permission. On XXXX, I cancelled my service with them and mysteriously the same amount that was debit from my account was sent to collections. On XXXX spoke to XXXX and was informed ( XXXX XXXX XXXX do not owe us anything you have a XXXX balance and your account is closed ). I also informed XXXX that I was receiving a collection notice and they appeared to not have any knowledge of anything being sent to collections. On XXXX informed the collection agency A.R.M. that I do not owe XXXX and that they were paid in full when I closed my account. The A.R.M. representative told me that I needed proof that I paid it. I stated my account was closed without and XXXX claims not to have any knowledge as to why I am receiving collection notices from your A.R.M. 

At this point I am feeling harassed and bulled by the attempts to collect on a debt that I do not owe in order to protect my credit. I to make these tactics made known to the public to prevent from being pressured and harassed into paying debits that you know you do not owe to save your credit rating. These companies should not have the ability to fraudulently say a consumer owes a debit that is not truly owed. 

Please help, by holding these XXXX companies accountable for falsely reporting my account to collection and then trying to repeating collect on a debt that is not owed.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-02
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. (NV)

On XX/XX/2023, I sent a letter to all XXXX credit agencies about a particular item on my consumer report. This item is an alleged debt from my old apartment that I am currently in a lawsuit against for having my family and I inhabitating a unit with black mold. I sent proof that this was retaliation against my family and I because we obtained an attorney. However that debt is still on my consumer report on all XXXX credit bureaus. On top of that I called in on XX/XX/2023 to each credit bureau XXXX, equifax, and XXXX  to dispute other items off of my consumer report that I was either unaware of or old charge offs however they are still there. It has come to my attention that my rights as a consumer have been violated on many levels. According to the USC 15 1681 ( a ) ( b ) and also USC 15 ( 94 ) I have the right to privacy and also consent which my privacy has been violated by having old addresses, phone numbers, and late payments ect.. Also I Did Not consent to any of these things on my credit report I control my report not the other around. All of these items that are on my consumer report from XXXX parties old debts and also the rental property has caused me and my family extreme hardship we are forced to live in an area that is not conducive to our lifestyle I can't get certain credit cards so that I can accommodate my family 's lifestyle. Constant phone calls from XXXX-party companies anxiety and stress I am very upset and frustrated this grave omission has undermined my confidence in these bureaus I know longer want personal information on my report as well. I will be taking this as far as I need to take it until all XXXX bureaus have done right by my consumer report and myself. Thank you for your time I will be looking out for a response.
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (GA)

I have hard inquiries on my credit report from all 3 bureaus Experian XXXX XXXX and XXXX. 
I have tried to reach out to all parties involved and yet they are on all my reports.
Consumer complaint received 2023-03-25
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: Experian Information Solutions Inc. (LA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-03-30
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)

Experian is reporting a bankruptcy that is not listed on any other credit reports, XXXX doesnt have it listed nor XXXX have this account listed! by law they are supposed to do a actual investigation, they keep reporting they received this information from XXXX XXXX, I contacted XXXX XXXX, on XX/XX/2023 the representative stated their werent any request from any credit reporting agencies for my file to receive this information for a dispute, I also contacted the Clerk of Courts received a letter from The Clerks office that stated they do not provide any info to be reported in my name nor do they provide any information ever for anyones credit report. Experian has violated the law so they need to delete THIS INACCURATE bankruptcy ACCOUNT ASAP!. Have them furnish the request with the specified date of every investigation & when XXXX XXXX gave them information that they actually did an investigation or reinvestigation. Experian is violating my rights as a consumer under the FCRA and this account needs to be deleted ASAP
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Why do you provide wrong information to consumers by saying carrying a small balance on credit card help score is a myth? Ive tested this theory 3 times in the last 3 months and found youre once again lying to consumers. On XX/XX/XXXX My credit utilization on total card was at 1 %, I paid off the small balance of {$10.00} and brought my utilization to 0 % my score dropped by XXXX points! I tested this again by keeping a small balance, my credit score goes right back up to XXXX points. Today, XX/XX/XXXX my utilization updated to 0 % after I paid off my small balance just for me to see the score dropped of XXXX points. CLEARLY your algorithm negatively impacts peoples scores for having 0 % utilization, why are publicizing on your website that this is a myth?
Consumer complaint received 2023-06-27
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Associates, Ltd. (OK)

On XX/XX/XXXX I had XXXX and provider ordered sequential compression stockings to be worn at home for 2 weeks XXXX XXXX. Claim was submitted to XXXX XXXX XXXX XXXX XXXX for the amount of {$5900.00} by XXXX XXXX XXXX. Id not heard anything from the company or debt being owed until this past week, XX/XX/XXXX. A collection company called Collection Associates in Wisconsin sent a collections letter. I called and asked what it pertained to. They stated it had to do with sequential compression stockings. I wasnt sure which ones they may have been talking about since I wore some while in the XXXX, XXXX XXXX XXXX in XXXX, after XXXX and ones that I was ordered to wear by my provider once I was XXXX. I called the Providers office by whom they had been ordered. They stated they didnt show me owing anything at their facility and to try XXXX XXXX I called XXXX and they stated I owed nothing there and they would contact the XXXX XXXX XXXX representative. The representative called me and stated he showed me not owing anything and that the debt was most likely written off. I told him Id never received a bill. He stated that a 3rd party must have bought the debt and trying to collect. I called XXXX XXXX XXXX to see what the claim status was. I was told they could not give me a copy of the XXXX  but that it was denied because the company did not provide documentation showing that I wore the sequential compression stockings. The XXXX XXXX XXXX didnt respond to them or resubmit the claim. I was not aware that this was an issue. There would be no documentation since I took them home to wear. I do not know where to go from here. I do not feel that I owe this full amount since it was not submitted to my insurance company correctly or my insurance should have covered it. It was not resubmitted and I was not called nor mailed regarding that I owed anything. Please help.