davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (OR)

On XX/XX/XXXX I sent {$470.00} to XXXX XXXX using my Zelle mobile app. The transaction showed success and the amount was debited from my bank account at XXXX XXXX XXXX XXXX XXXX. However, on XX/XX/XXXX XXXX sent me a XXXX Zelle screenshot on her phone showing " We weren't able to send you money from XXXX XXXX ''. Since then I have been calling Zelle to find out why the transaction was cancelled and when I would get the funds refunded to my debit card. When I have called Zelle I have gotten various responses : talk to your bank, have XXXX talk to her bank ( XXXX ) ; Zelle settlement department will look into it and have your funds refunded. I have talked to my bank ( XXXX XXXX XXXX XXXX XXXX ) and XXXX has talked to her bank ( XXXX ) and we both received the same response from our banks that our banks have nothing to do with this cancellation. I have spoken to multiple Zelle customer service agents and they all seem to give me a different story. When I ask them to send me proof/email of our conversation, the customer service agent tells me that they do not have access to do so on their system but someone will get back to me in 24-48 hours. I have had to call back multiple times just to find out the status. Unfortunately, I always seem to be starting over with each call. Most recently I was given a case # XXXX by a supervisor. Prior to that the case # XXXX On XX/XX/2021 XXXX the Zelle agent said the refund will be released to my bank at XXXX same day. I didn't see the amount on my online bank, so I called Zelle back ( same case # ) and the agent told he will send another email to settlement team regarding why the payment has not posted. And this is will receive high priority. 
I did not receive the money in the account. So I called Zelle back. 

The Zelle agent said I was misinformed on the earliercall. He said XXXX will be the bank to issue the refund, not Zelle. XXXX hasinitiateda refund. XXXX Case number # XXXX via VISA.He said he was reading from the screen ... '' Feedback from XXXX. The payment was denied due to fraud risk action. '' He said I should check back in 24 hours since this item will receive high priority with the settlement team. 
XX/XX/2021 I called my bank, XXXX XXXX XXXX XXXX XXXX, and wastold there are no pending wire or deposit transactions intomy account. 
XX/XX/2021 I called Zelle and the agent indicated that the previous Zelle customer service agent misinformed me about the paymentto be posted on XX/XX/XXXX. The agent said he sent a message to the settlement team to prioritize my case number. I said to the rep that this is the same talking point I heard during my last 3 calls into Zelle. 
I stated to the rep that I will contact the CFPB if this is not resolved.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AR)

XXXX XXXX XXXX XXXX is reporting to Experian as a collection which is not, it is a paid to delete account which should be removed which was removed for the other two credit bureaus.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

MY NAME IS WRONG AND NEEDS TO BE CORRECTED ASAP AND THERE ARE 3 ALIAS NAMES THAT ARE NOT ME, I HAVE A LETTER ATTACHED
Consumer complaint received 2022-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion and XXXX violated my rights according 15 U.S.C 1681i ( A ) ( XXXX ) ( a ) and 15 U.S.C 1681i ( XXXX ) ( D ) they claim to have conducted a proper investigation into my dispute but how is that so if my credit report with both bureaus is still showing the same inaccuracies. I am disputing a charge off account XXXX XXXX XXXX the high credit limits are inaccurate, dates opened are inaccurate, dates last active are inaccurate. XXXX performed an investigation into my dispute and found the inaccuracies and promptly deleted the account off my credit report with their bureau. I asked both Transunion and XXXX what process was used to verify the account all it said was account updated. If they performed an automated investigation according to 15 U.S.C 1681i ( XXXX ) ( D ) they would have found the information about the inaccuracies processed by XXXX. I am also disputing inquiries put on my Transunion credit report. XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, Bank XXXX XXXX inquiry dates XX/XX/2022 and XX/XX/2022, XXXX CO XXXX XXXX XX/XX/2022 I was deceived by their pre-approval offer and was not aware hard inquiries would be put on my credit report. Also 15 U.S.C 1681 602 A : states i have the right privacy 15 U.S.C 1681 604 A section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-09-19
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. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-24
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)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-19
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. (GA)

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 XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 2018-12-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have been paying on my student loans for over eight years now. I started out with {$30000.00} of debt and still owe {$30000.00}. My payments were applied 100 % towards the interest and none towards the principal. When I figured out that was what Navient was doing I called and spoke with a customer service representative who told me I had to pay off all the interest first before anything would be applied to the principal. I asked why was I given a choice of how I wanted my payment applied when paying online and then applied differently and I was given the same answer. I told the customer service representative that I would never be able to pay my loans off if that was how they did it and I was told that it was Navients policy. I started off with nine student loans and have paid one off in full and still owe the same amount I did when I started paying ... .how is that even possible or fair??
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Yes, what I am trying to say is that the {$50.00} that I transferred this I transferred to a closed account that account no longer exists and the card does not exist either and I just realized that I had transferred it to that account when she is XXXX XXXX XXXX that does not They exist, so I would like to know how I can return that money to put it in another account that should be, but that account has been closed for 3 years and it was the
Consumer complaint received 2018-12-02
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: NAVY FEDERAL CREDIT UNION (NH)

I have been doing business with Navy Federal for multiple years. I fell behind two of my accounts and had to request a payment arrangement for 1 account. I made the arrangements prior to the account going 30 days past due. The personal finance department had me file a claim to show my financial status. I went through all the proper channels to prevent a late mark on my credit file. The representative on the phone assured me that it would not be reported late. I was told even if it was to call, and they would remove it. 

Since it has been reported and Ive been going back and forth with them for 8 months trying to fix this. Ive done everything that was asked of me. They told me to write statements, dispute with credit companies and that it would be removed. 8 months of phone calls l, 8 months of broken promises. Ive dealt with many customer service agent who asked me to do something to get this 1 mark removed and nothing has changed. Ive had 3 accounts with them and no other late marks. 

They are showing their true colors with the way I am being treated over this. False promises. As a veteran I went with this bank to handle finances thinking I could rely on them for fair treatment and great service. I am very disappointed in the service I have received.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (HI)

In XXXX of XXXX I moved to Hawaii where I live and work full time. I have made no trips outside of the state since I moved here. In the spring of XXXX someone in North Carolina fraudulently opened a citicard credit card account in my name. I became aware when I was notified of the card being locked via a text message, which I at the time assumed was spam and ignored. Months later I was notified by my credit reporting that there was an overdue account in my name and at this point I realized what had happened and called citicard to report the fraud. I received no contact back for a year and assumed it had been resolved until I received another warning from my credit reporting. I contacted citicard and learned that my claim had been rejected, though they had never discussed the case details with me. I appealed their decision and was able to speak with an investigator on the phone and provide documents to show that I lived in Hawaii at the time the account was opened and the charges were made in North Carolina. This time I was mailed a letter saying my claim had been rejected on the basis that the credit card had been mailed to my address ( which it hadn't ). Even if that was true, clearly it was used fraudulently ( ie not by me ) as I was in HI when the charges were made in NC.
Consumer complaint received 2021-10-06
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. (CA)

I am writing this complaint in response to complaint # XXXX. I spoke with a representative of the CFPB on XX/XX/2021 and was informed that Experian closed the complaint because they believed a third-party had submitted the complaint. I am confirmed with the representative of the CFPB that I, XXXX XXXX, am in fact submitting this complaint and Experian is continuing to dodge my complaint and violate my rights. I was informed that I would most likely have to take legal action for Experian to do anything. The XXXX XXXX Account is still on my consumer report. I demand compensation for these violation. The following is my original complaint : I, XXXX XXXX, a natural person spoke with XXXX at Experian on XX/XX/2021 at XXXX PST. He stated XXXX XXXX has verified all information on my credit report. I asked him if XXXX XXXX produced documents stating written permission to furnish this information to my consumer report. He stated Experian does not have this document and XXXX XXXX never produced the document. The Experian representative boldly stated they follow 15 U.S.C. 1681b - in regards to written instructions from the consumer to furnish a report. A clear violation because I never gave written permission to XXXX XXXX or Experian to furnish this account on my report. I demanded to invoke my right to privacy, Pursuant to 15 U.S.C. 1681 a ( 4 ). I never gave permission for this account to be furnished on my consumer credit report. Experian is not reporting accurately. Both XXXX and XXXX do not report this information. A clear violation for reporting inaccurately. Experian is using the excuse that " an unauthorized third party ''. They are refusing to fix this issue. Experian is ignoring my demands to fix this issue and it is causing me mental anguish, stress and injury to my reputation. 

I have attached an invoice for where my check can be mailed to. Thank you!
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$170.00} XXXX XXXX XXXX  Opened : XXXX XXXXXXXX XXXX  Balance : {$93.00}.
Consumer complaint received 2023-12-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: 1st Franklin Financial Corporation (GA)

I am writing to dispute the handling of my consumer information pursuant to the Gramm-Leach-Bliley Act, specifically 15 USC 6801, which mandates financial institutions to provide consumers with the option to opt-out of the disclosure of their nonpublic personal information to non-affiliated third parties. 

Upon reviewing my Credit File on ( XX/XX/2023 ), I have not received an opt-out notice as required by law. I request that you Delete and rectify this matter promptly. 

Furthermore, I would like to emphasize that XXXX, XXXX, and XXXX are not affiliated entities. The lack of affiliation underscores the necessity for strict adherence to privacy regulations and the provision of opt-out notices. I Wish not To have my Privacy Violated furthermore I am committed to safeguarding my financial privacy, and I trust that [ 1st Franklin financial corporation ] will promptly address and rectify these concerns in accordance with the law. 

Please provide written confirmation of the resolution of this dispute and any corrective actions taken. Thank you for your prompt attention to this matter. 

Notice to All Also I Wish for my Private Information to be Shared I am Opting out of all Sharing
Consumer complaint received 2021-06-24
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. (TN)

I am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (FL)

Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida
Consumer complaint received 2023-06-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. ()

On Thursday XX/XX/XXXX, my account was placed under review and I was relieved when it was released and returned to normal status XXXX days later on the following Sunday. 

Again that week, however, my account was once again 'held ' and under review. I know that the funds in my account may seem insignificant to a large company like Square, but for a small business, these funds are essential to pay the bills. This has caused repeated disruption to my business, leading to the delay of payroll last week. I pay a substantial amount for Square 's payment processing services and the system is great, yet this situation can not continue.

My account continues to be placed on hold, and then released over the past week, this is happening repeatedly, sometimes several times a day. I have been trying to sort this out with the Squares Account Services team but have been unable to reach a resolution as of today 's date. The manager I talked to in the Customer Success team mentioned that based on the behaviour it appeared that it was a 'bug ' in their system.

Therefore, I am asking for an immediate resolution from the Square team. If this is not resolved, I will be forced to take other action. In my conversation with a Square Account Services employee, I verified all the information as requested, and then was told it would be another 3-5 business days for me to even hear back from the investigation. How does Square expect a small business to operate when its account is constantly placed on hold?
Consumer complaint received 2023-03-27
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00}