davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
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. (TX)

On XX/XX/2020 a letter was sent to Equifax requesting the removal of fraudulent activity. Per 605B of the FCRA, I submitted my personal ID, police report, identity theft form, and a certified signed affidavit and sent these documents via USPS certified mail. These documents were received by Equifax on XX/XX/2020. 

I received no response from Equifax dated 5 days later of them saying that they would look into this matter. 

Per the FCRA, they had 4 days to block the account in question. I did not receive any response from Equifax until XX/XX/2020 that stated that they WILL NOT block these accounts. But instead do an investigation. 

This is a violation of my rights, and I intend to seek legal action IF this account is not blocked per the law. 

I am requesting the CFPB investigate into this matter as Equifax has had many data leaks and while as the consumer, I am seeking to have this fraudulent account removed per the law, this is my legal right. However Equifax has chosen NOT to follow the law. 

Equifax, willfully breaks the law after documented proof and I intend to seek damages as their actions are damaging my reputation. 

Equifax has said they will investigate, for 30 days on a letter that was datedXX/XX/2020. While per the FCRA, this letter should have been sent to me within 5 days after receiving my dispute on XX/XX/2020. 

I intend to hold Equifax, and all parties involved liable.
Consumer complaint received 2020-08-23
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. (GA)

I've tried for month to get my credit report corrected through equafax. Unlike some of the smaller credit more effecent reporting agencey make it more customer service friendly they do not on my credit report the other agenency are showing a credit score of XXXX and equafax is showing XXXX how can the cfpb allow a company like this get away with possibly ruining a person life because of a faulty report. A company that has been in business as long as they have should have a check and balance system in place to detect such errors immediately. But instead they are allowed to run a muck. Here are some reports that were filed with other agencies with no problems and my report was updated in a few weeks. XXXX,
Consumer complaint received 2020-05-08
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 was trying to buy my wife a necklace at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit to see if I qualified for their credit line, I was told that I was not approved because there were several negative accounts appearing on my credit report. I had no idea what accounts they were talking about because I have never missed any payments or had any of my accounts go to collections ; I looked through my credit report and there were 6 accounts and many inquiries that are not mine. I don't know who is responsible for opening these accounts in my name without my permission but I have already filed a police report. I did not gain anything from these accounts and I did not make any payments towards any of these accounts. I also do not have any written/verbal contract with any of these companies and I did not authorize them to run or access my credit.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. BANKRUPTCY XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they debt me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Consumer complaint received 2020-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (TX)

1. I made international money transfer transaction through https : //www.remitly.com/ 2. There was an error in Account number which did not match the recipient name. 
3. The recipient bank rejected the transaction & sent confirmation to recipient that the transaction was rejected. ( {$500.00} ) 4. Remitly showed transaction was completed. While recipient never got the money. 
5. Contacted customer care the voice service is just a Voice message box. 
6. chatted with customer service online. They said money is delivered correctly to recipient. 
7. After providing them all evidence that recipient bank rejected the transaction and no money was delivered. 
8. They told me their system ( remitly ) shows they have refunded me the money. 
9. I shared my bank statement, showing nothing was refunded to my bank. 
10. Since then they have blocked me from contacting customer service, not sure even if its legal to block a customer from contacting customer service. 
11. can't do anything, feel helpless 12. TERRIBLE CUSTOMER SERVICE.
Consumer complaint received 2020-03-28
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: CITIBANK, N.A. (FL)

Citibank Rewards Made a payment XX/XX/2020 through their automated phone in a timely manner as I have perfect credit. 
Payment did not post to my account. Did not get notice that payment went through. No email, no text XXXX choice of communication method, no mail ). 
I have 2 different credit monitors that show all my payments are on time. 
As of today my credit score dropped over 100 points. I sent my credit reports showing payment credit history, and a explanation that I paid on time and was not notified my payment went through. Citibank has caused me hardship as I almost had a 800 credit score. Been on the phone all day trying to resolve and twice today I was disconnected. 
I opened this account In XXXX as it is a no interest credit card as I needed the funds as I was having XXXX medical. Why should I have to go through this at a time when we are in a State of Emergency with this Corona. From Excellent high credit to a negative score.
Consumer complaint received 2024-01-27
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: EQUIFAX, INC. (TX)

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with my account with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. 

I look forward to your immediate attention to this matter and a swift resolution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX Balance : {$170000.00} ; XXXX  XXXX Balance : {$35000.00}.
Consumer complaint received 2020-08-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (NC)

I am a US citizen who is currently based in XXXX. On Friday XX/XX/XXXX two unauthorized transactions were made via my debit card number through TransferWise linked to my XXXX XXXX checking account. The illegally withdrawn funds appear to be sent to an American based account. 

I noticed the fraudulent charges on Saturday, XX/XX/XXXX. The transactions were for {$990.00} and {$1000.00}, totaling {$2000.00}. 

I immediately called XXXX XXXX XXXX Saturday XX/XX/XXXX ) to place a freeze on my card and to open a fraud claim. Because the bank 's fraud department does not operate over the weekend, I have to wait a few days before I hear back from the fraud investigation. The XXXX XXXX    XXXX supplied me with a fraud claim number and asked me to wait for further contact. 

I then tried to reach out via phone and TransferWise 's online message center to report fraud but received no response. On TransferWise 's website I read that all of their transfers are final and can not be reversed or stopped once started, and that I have to file a complaint though this website ( https : //complaint.consumerfinance.gov ). 

I then placed a freeze on my credit, placed a fraud alert, and reported the action to IdentityTheft.gov
Consumer complaint received 2020-11-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PINNACLE RECOVERY, INC. (CA)

I've owned a time share for over 20 years and always been on time on my payments, due to hardship I've fallen a bit behind on my payments ( 3 payments ) so my debt of {$470.00} was transferred to debt collector " Pinnacle Recovery, IncXXXX '' on XX/XX/2020. I called them to settle my account and they now tell me {$750.00} because they charge monthly collection fees of {$140.00}, so they charged me for XXXX and XXXX and they will continue to charge me every month till my debt is paid. 
According to federal law a debt collector should just collect what is owed originally and can't charge fees nor interest which is what I'm filing this complaint about, Pinnacle is unlawfully trying to scam me into paying them more than what I actually owe and is backed up by my time share agency XXXX XXXX XX/XX/XXXX) because they tell me that as long as I owe pinnacle my 20+ year old account with them is frozen, can't use it AND will continue to rack up monthly payments.
Consumer complaint received 2024-11-06
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. (HI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION reporting agency, block 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 accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX also notice the addresses and Names on the account also invalid and not recognized. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-06
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)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Report Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ) After reviewing my recent credit report, I have identified the following inquiries that I do to recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5- -1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within Four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WI)

In XX/XX/2020, I received a collection notice from ERC in the amount of {$1400.00} It identified a creditor a debt amount, I promptly sent them a letter advising them I did not now nor have I ever had an account as they described. 

I just received another letter from ERC for the same debt. I have drafted another letter and indicated it is my second written notice disputing the validity of that debt. 

They never responded to my first letter.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Paypal Holdings, Inc (CA)

I've been having a problem with paypal getting my irs e.i.p on my paypal direct deposit as well as hundreds of others people that got there eip through paypal direct deposit. Irs payment tool said my eip payment was direct deposited into my account with paypal on XX/XX/2020 and its now XX/XX/2020 and still have no eip on my account or showing pending or anything. Ive tried to call paypal directly but no ones in there customer service phone number cause of corona virus. Ive tried several times to use there automated online service for customers with out no help the last message said someone would get in contact with me but no one ever did. So I went to paypal community page to try and figure out whats going on and thats where I found out there are hundreds of people having the same problem as me. There was a story of one man I believe from tennessee who went to his towns news channel to go public with his story and paypal went a head and helped him get his eip payment.So if they knew there was a problem why havent they fixed this problem cause its hundreds of people with same problem.People like me need that money to support our familys and keep a roof and food in there families stomaches.Ive also tried calling wells fargo who paypal goes through for direct deposit and was told its a middle man for paypal once they get deposits it goes straight to paypal and only paypal can access information for costomers regaurding there direct deposits.So theres nothing they can do to help us.It has to be paypal who can tell us whats going on with our deposits. As far as I can see this problem has been happening with people having deposit dates from irs portal from XXXX and XX/XX/2020 that ive seen on paypal community page of tjhere website.If irs sent and gave us a deposit date then why hasnt paypal deposited it into our accounts? If you can help in anyway id greatly appriciate it very much.
Consumer complaint received 2024-01-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIBANK, N.A. (CA)

Citibank is not responding to my request for compensation of all of the money I lost due to unfair lending practices as well as my request for contact information and an address to send a certified demand letter. I am requesting compensation because the situation caused me to lose a substantial amount of money. This has prevented me from being able to try to purchase a home. On the last day of escrow on XX/XX/2023, Citibank Mortgage called me in the afternoon to tell me that I did not qualify for their Home Run Loan, which they had initially approved. This occurred at the end of a 45-day escrow and underwriting process. I was assured that I qualified for the loan. They then offered me two more expensive loans. I submitted a complaint in XXXX and Citibank refunded the {$800.00} application fee. However, I was unable to comfortably afford either of the two new loans offered. I was also unable to find a comparable loan to their program. As a result, I had to cancel the contract and I lost the money spent on the inspections, fees, and lost interest of {$1600.00}, as well as part of my earnest money deposit. The loan officer had assured my realtor and I that the loan was approved and would go through on XX/XX/XXXX, so the loan contingency was removed. The seller kept {$3800.00} of the XXXX. The total amount of money I lost due to this unfair lending practice was {$5400.00} in addition to a lot of emotional distress over the loss of that much money. I would not have spent any of this money if they had informed me when I first applied or after the first underwriting that I did not qualify for the Home Run loan program. Citibank responded to my first complaint, but I did not realize that I was able to comment on that response and I missed the window. I am still trying to recover the remainder of the money from Citibank that I lost due to their error or unfair practices. I have requested a name and address to send a certified letter to Citibank, but they have ignored my request emails and have not sent the information that I requested.
Consumer complaint received 2024-11-05
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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.