davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

Im a regular customer of WesternUnion. On XX/XX/2018 I sent two separate transactions overseas. The reasons I did two transactions was the auto fill from previous transactions. 

I sent {$70.00} and then {$30.00} to the same person. However, WesternUnion cancelled the transaction for the {$70.00} and the {$30.00} available.

I wasnt notified by WesternUnion that they canceled the transaction. I didnt know whats going until the receiver went to WesternUnion XX/XX/XXXX after going for consecutive days. WesternUnion overseas told I took the money back. On XX/XX/2018 I called WesternUnion and was told by two different representatives that they cant access the transfer, but I should call back in 15-20 minutes two times. Finally, I was told that they canceled my transaction because I sent separate transactions. Nobody seems to know whats the real problem. I called back WesternUnion representative again and asked if I send another transaction on XX/XX/XXXX if the person would be able to get the money. I was reassured by the representative yes. I was taken aback when WesternUnion again canceled-suspended the transaction again. I had to asked for a refund. 
After numerous calls I called back XX/XX/XXXX and asked for the department that placed restrictions on my transactions and was give this email XXXX for help. I sent an email and I havent received an email or phone call from WesternUnion about this inconvenience. I must say this situation was handled unprofessional and without regards or thoughtfulness of all party involved. Im very disappointed with WesternUnion.
Consumer complaint received 2023-06-12
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. (MI)

This debt was included in a XXXX XXXX that was field on XX/XX/23. The creditor did NOT show to the meeting or the creditors and was notified of the filing by the XXXX XXXX Bankruptcy Court of Michigan. The debt was discharged on XX/XX/23 and the creditor was notified by the court and I also emailed proof that the debt was discharged. However, the creditor then reported that this debt is over a 120 days past due when it was was discharged in XXXX XXXX bankruptcy which is illegal. I am asking that this be removed due to legally they CAN NOT collect on this debt. I am trying to rebuild my credit and this caused my score to drop XXXX points when legally they should not have been allowed to report this debt because they can not college on the debt. This was discharged in bankruptcy, legally I dont owe then a dime. It is not past due because it was discharged. I have also called and emailed this company several times and received no response.
Consumer complaint received 2023-06-12
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. (CO)

In accordance with, and under the protection of the ( fcra ) FAIR CREDIT REPORTING ACT. I ask for the complete investigation, verification, and subsequent removal of any and all inaccurate, incomplete, and or unverifiable accounts being reported by credit bureaus. These laws sited insist privacy, permission, accuracy, fairness, and complete investigation before reporting any information and alleged accounts. 15 U.S.C 1681sec 602a, 604a sec 2, 1681i ( f ) ( 3 ) ,1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These are the inquiries in. question. ( 1 ) XXXX XXXX XXXX XXXX XXXX. ( 2 ) XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX. ( 4 ) XXXX. ( 5 ) XXXX XXXX. ( 6 ) XXXX. ( 7 ) XXXX  XXXX XXXX. ( 8 ) XXXX XXXX XXXX ( 9 ) XXXX  XXXX. ( 10 ) XXXX  XXXX  XXXX. ( 11 ) XXXX XXXX XXXX. ( 12 ) XXXX  XXXX. ( 13 ) XXXX  XXXX. ( 14 ) XXXX  XXXX XXXX XXXX. ( 15 ) XXXX XXXX XXXX XXXX  XXXX. ( 16 ) XXXX XXXX XXXX. ( 17 ) XXXX XXXX XXXX XXXX ( 18 ) XXXX XXXX XXXX ( 19 ) XXXX XXXX. ( 20 ) XXXX XXXX. ( 21 ) XXXX XXXX XXXX. ( 22 ) XXXX XXXX. ( 23 ) XXXX XXXX  XXXX XXXX. ( 24 ) XXXX XXXX XXXX
Consumer complaint received 2018-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Accounts XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CO)

I signed up for a checking account from Citibank with promo code XXXX. The terms were to deposit $ XXXX and keep it in the account for 60 days, then they had 90 days to pay out the {$400.00} bonus. The 90 days are up and I am not confident in this bank following through with the bonus. 

I opened the account XX/XX/XXXX and deposited {$30.00} as soon as I was able to I deposited {$15000.00} on XX/XX/XXXX and took $ XXXX out on XX/XX/XXXX. The 90 days has expired to pay the bonus, I have chatted 3 times online and it appears they just tell me to check back. The last time they gave me a number to call and fill a bonus resolution, which is where this is right now. I don't have confidence they will follow through as I have looked online and they have a history of these bad business practices.
Consumer complaint received 2023-06-12
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. (AL)

XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.
Consumer complaint received 2021-02-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AR)

I've recently reached out to XXXX, Equifax, and XXXX  in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. I have been waiting since XXXX. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Consumer complaint received 2018-11-30
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. (TN)

Accounts XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, were never past due, i never made a late payment to this company ever. I wrote dispute letters to the credit bureaus but they could not even help me, they wont even tell me why they wont reverse the late payments
Consumer complaint received 2018-11-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (NV)

I opened my own bank account and Navy Federal credit union changed my statements to my ex husband mailing address. Nobody could tell me why this error was made? I went into the bank and spoke to a manger and he told me he had no explanation on why bank staments had my ex husband mailing address, he then looked deeper and my ex husband changed his account to his new mailing address so Navy Federal changed my own personal account to his mailing address. They felt they did no wrong and if I wanted to withdraw my funds they would immediately give me my funds and conversation over.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Neon Newco Corporation (FL)

I have called emailed them and filled a few disputes because as I explained to them my phone with access to all my cards and access to every account I had was stolen when I was in the process of becoming homeless and I did get 2 of my disputes to go thru but they denied the rest even though they were from the same day as the one that went thru and same kind of transactions and they even closed my account and are treating me like a criminal me and my XXXX son lost everything we had this year starting with our home and because of XXXX and netspend became homeless please help me correct this injustice and make them correct their ridiculous actions and the card was reported and the dates are all the same they have been bullshitting denying disputes that happened on the same days have not provided the PC and even blocked my emails instead of helping me in the hardest time of my life they just made it more of a nightmare to where I cant even call them or speak to a supervisor or anyone other than who answers the phone
Consumer complaint received 2023-06-12
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. (MI)

Around XXXX or XXXX of XXXX  I was removed as an authorized user from the following company Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX On my credit report it's showing as a {$0.00} balance as it should, because I'm no longer responsible for this card, the original owner is. Today on XX/XX/2023 I was checking my XXXX XXXX account and my score decreased over XXXX points because the person responsible for the account is no longer making their payments on time. I shouldn't be held responsible for an account I'm not an authorized user on. I submitted a dispute, I have yet to hear back from the company. I'm in the process of purchasing a house and they have ruined those chances because of this ERROR! XXXX should be held responsible for this error, it's not fair to me, a consumer to suffer the down fall of someone else 's mistakes/actions.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2018 I made a transaction for {$2800.00} through my Wells Fargo Checking Account for an online purchase. Unfortunately, it was a scam and I never received anything. I have been suffering from severe XXXX because of this and Wells Fargo has done nothing to resolve the issue. I wanted them to go after whoever this so called merchant is and get back my money.
Consumer complaint received 2018-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (TX)

On XX/XX/2018 I disputed and requested validation from Diversified Consultants, Account # :XXXX  via certified mail that they received on XX/XX/2018. I received a response letter from Diversified Consultants dated XX/XX/2018 with a photocopy of a bill. A copy of a bill is not validation of a debt. Is it possible to validate a debt in two days? On XX/XX/2018 I sent another letter via certified mail ( received XX/XX/2018 ) requesting validation of this account and the procedure used to determine the accuracy and completeness of the information. As of XX/XX/2018 I have failed to receive validation. These are violations of the FDCPA including but not limited to Section 807 ( 8 ) and FCRA including but not limited to Section 623 ( b ). This needs to be deleted immediately.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2023-08-09
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2019-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (MN)

basically the identy theft people who took over all my accounts took over my credit karma  account and other identity theft accounts i have no accesses to and are in my credit score stuff i need all of it locked down they got my imformation and credit card number
Consumer complaint received 2018-11-30
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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (IA)

I made a {$51.00} dollar purchase at XXXX XXXX XX/XX/18- I used my XXXX/XXXX  charge card for the points rewards. After the purchase I wanted to pay the balance in the store but they would not accept my bank card to pay off the credit. 

I pay ALL my charges off in full at the time of purchase or receive the first statement. In this case I was not mailed a statement. I received a text message in XX/XX/XXXX from the creditor saying I had a past due balance. After talking with them my bill had incurred {$62.00} in late charges and fees. I tried to dispute the charges as that was the first contact I had with the creditor. While the did waive {$38.00} they reported my account late which affected my credit score. It is the only late payment I have on my report. I sent a letter to the company explaining that I had not been mailed a statement and paid the balance in full plus fees as soon as I was made aware. I requested credit repair and they replied back that they were unable. 

XXXX perks are a trap for consumers to use their cards that would normally pay with cash. This company profits from late charges and fees by not sending bills out timely. They also have multiple complaints due to damaging their consumers credit reports.
Consumer complaint received 2023-06-12
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. (HI)

Since XXXX of 2023 I have sent out a 4 different sets of letters to the credit bureaus disputing late payments that are on my report. For some reason they are ignoring my disputes. I have asked for proof of late payment with a bank statement showing that I was ever late and they have not provided any information to prove I had any late payments. I attached the last letter I sent to the Credit B. Law clearly states that transactions should not be included on my credit report. 15 US code 1681a title definitions Rules of construction paragraph 2 of this title is titled exclusions of sub paragraph A Subsection I states that transactions are not included in the consumer report. These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MI)

Wayfair/ ( Comenity Bank XXXXBread Financial ) reported 30 days late on XX/XX/XXXX on all three credit reports which was incorrect. The item is inaccurate because payment was made on XX/XX/XXXX, 18 days later than the due date of XX/XX/XXXX Per the U.S. Code 15 1666b - Timing of payments - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The credit card company had not uploaded statements to my online account or sent them to my email or mailed to my home address since XX/XX/XXXX ( See attached screen print ), which is a violation of US code 15-1666b. Due to the non-mailing of statements the late payment reported in XX/XX/XXXX should be removed. I sent the company a certified letter by U.S. Postal mail on XX/XX/XXXX, however I never received a response. Federal law late payments should be reported on consumers report only if they are past due 30 days or more.
Consumer complaint received 2024-08-21
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

hi i tried disputing a collection account on my report with Experian and can't get it resolved name on account is- XXXX XXXX XXXX account number XXXX they keep reporting it as a Collection this account is been paid since XXXX  they haven't deleted it i keep getting denied when i apply for any new accounts cause it comes out as collection don't know why is still on my report i tried disputing it and don't know were there getting there information from it shows the lack of respect they have for law abiden citizen all they doing is hurting me more i ask you get them to remove it since i tried plenty of times i truly ask for ya help in this matter
Consumer complaint received 2019-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MO)

On XX/XX/XXXX we received notification from XXXX XXXX XXXX that our mortgage was being transferred to XXXX XXXX. In XX/XX/XXXX we sold our home. I have been trying to obtain my 1098 from XXXX XXXX to submit my taxes. The amount in question is one month of interest When I tried to contact them I was redirected to a company called Mr. Cooper. I contacted Mr. Cooper on XX/XX/XXXX but was told by the representatives there that they could not find my account. I faxed them the notification letter and the my escrow disclosure statement hoping it would help them locate the information. When I did not hear back from them, I followed up today but was told that they did not have access to my account information. I asked if they received the information I faxed earlier in the week and was told they could not access the account information. They suggested that I should contact XXXX XXXX  which I did, but was told that they only had information from the point of the transfer. I have received my 1098 from XXXX XXXX. 

XXXX XXXX suggested I notify you to see if you can assist in any way. Please advise.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"