davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (TX)

XXXX, Equifax, XXXX, FRAUD Departments I receive documents that XXXX  sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up
Consumer complaint received 2022-08-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (KY)

I have had 2 other complaints XXXX and XXXX regarding this issue, both closed by the CFPB when moneygram stated that the refund was available at XXXX. I returned again for the second time to XXXX XX/XX/2022 after receiving Moneygram 's promise once again that the funds would be there.

The transaction again failed with the " please inform the customer the transaction can not be completed '' page.

Once again, I beg the CFPB to demand Moneygram issue me a check to my address on file immediately. Moneygram is obviously incapable of conducting business and should have their license revoked for being either incompetent or an ongoing criminal enterprise.
Consumer complaint received 2022-08-29
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-08-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

I opened a Wells Fargo checking account on XX/XX/2022, and today is XX/XX/2022. I just found out that this newly opened account has been closed WITHOUT any prior notification! 

Should the bank at least send a letter or an email before they close any account? Is this a violation of consumer rights? I believe there is a violation of law here. The account was closed for Loss Prevention, but it has unspecified details. Please note, I have called the phone number they provided, but they have no details to give me. I do have a right to know more specific details about the information they gathered about me in order to take action and prevention on my side. 

Im also writing this to prevent Wells Fargo Bank reporting me to XXXX since I have done nothing wrong, if they report me to XXXX, they will have a lawsuit.
Consumer complaint received 2022-08-29
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. (AZ)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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: EQUIFAX, 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. 


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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX has violated my rights I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (CA)

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for XXXX XXXX XXXX XXXX to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Please provide a breakdown of fees including any collection costs and medical charges - Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, and reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency. I will await your reply with the above requested proof. Per the standard, you have 30 days in which to respond to this request, or this debt will be considered invalid, and removal from the credit bureaus expected or damages will be sought after.
Consumer complaint received 2022-08-29
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)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXXXXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** 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 ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$260.00}
Consumer complaint received 2019-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

After receiving {$500.00} payment through an invoice, my account was permanently limited for no reason. The buyer was satisfied and confirmed that they have the product so the 21 day hold was released, after that I attempted to send an instant transfer into my bank account. The instant transfer was unable to be completed so I called PayPal and the rep explained that since my account is brand new the instant transfer takes 24 hours in order to validate the bank account they are transferring the funds to. After waiting 24 hours I looked into my account and saw that Paypal charged me {$0.00} and then gave the money back, but did not transfer the {$500.00}. I checked my Paypal account and saw a notification about a permanent limitation on my account in which I have to wait 180 days to receive my funds. After being on the phone with customer service all day, I was unable to get an explanation as to why my {$500.00} is being held for 6 months!! Customer service was terrible, rep answered the call and kept me on hold for 30 minutes, there is always a long hold period to speak to somebody that is unable to service this issue and resolve it. There is no issue between the buyer and seller, this issue is with PayPal.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX has violated my privacy 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  XXXX XXXX XXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXXXXXX - ACCT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 


***HARD INQUIRIES*** XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX. XXXX  XXXX. XXXX XXXX, XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***COLLECTION ACCOUNTS*** XXXX XXXX XXXX {$2600.00} XXXX. XXXX XXXX XXXX {$260.00}
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

We have been having a terrible experience with Fifth Third 's mortgage services. We were notified in the end of XXXX that we needed to increase our flood insurance on the property for which Fifth Third holds our mortgage. We contacted our insurance broker immediately and increased our coverage, and the insurance broker informed Fifth Third and sent proof of this coverage promptly. However, Fifth Third continued to overcharge us each month. Our insurance broker called the company multiple times to correct our escrow. In all, we were charged more than {$2000.00} over what we should have paid during this time. 

I called them on XX/XX/XXXX to resolve this issue on the phone. They agreed that our flood insurance did indeed meet their criteria and that we would be refunded the overage, and our monthly payments would go back to the normal amount. They did send us the money back and reduced our monthly payments. 

Then - once again- on XX/XX/XXXX we received yet another letter and escrow statement indicating that Fifth Third would be increasing our escrow again, due to a gap in our flood insurance. So I had to call the customer service line again. Their escrow department said that they didn't send that letter and that everything looked fine on their end, so they transferred me to the main customer service line. The customer service department said that we needed to provide proof of sufficient flood insurance and needed to pay the increase amount. When I said that they had all the documentation they needed - and in fact their escrow department had just told me that our coverage was sufficient- they transferred me back to the escrow department. That person had to go check with some other part of the organization on why the flood coverage wasn't sufficient. 

The escrow department then told me that under Federal regulations they had to escrow my flood insurance. I told them that this could not be true, that was illegal as far as I knew. So she sent me to her supervisor. When I asked what Federal Regulation required this, the supervisor said that she hadn't told me that and needed to do more research. So she put me back on hold. As I submit this, I am still on hold and this matter is still unresolved. 

Fifth Third is either doing this on purpose ( in order to make extra money on the cash ) or their systems are not functioning properly. Either way, it's not acceptable to continually ask us to pay a lot more money monthly than we should be paying, then make us sit on endless phone calls that go around and around in order to get it fixed. The addition of telling me that it was a Federal Regulation was very concerning. I have no idea how many other people they are doing this to, so I'm writing this to try to prevent this from happening to others.
Consumer complaint received 2022-08-29
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. (WI)

XXXX, Equifax XXXX XXXX reported a hard inquiry from Equifax XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX Bank authorization to run my credit a 2nd time for a home loan. XXXX Bank stated that the inquiry would be a soft inquiry because of a mistake made by XXXX Bank. 

A hard inquiry by XXXX Bank by Equifax XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX Bank stated the error was theirs. Still, XXXX Bank allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.
Consumer complaint received 2022-08-29
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: Consumer Portfolio Services, Inc. (NC)

Put a credit freeze on my credit report because i thought something was going on look at it and i see hard inquiries that i didnt make and i call them and ask where was they from and they said they cant verify or not so it stays on my report and thats not fair because i dont know any of those companies. Thats what happened when i got in contact with XXXX
Consumer complaint received 2022-08-29
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. (WI)

XXXX, XXXX XXXX Experian reported a hard inquiry from XXXX XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXXXXXX XXXX authorization to run my credit a 2nd time for a home loan. XXXX XXXX  stated that the inquiry would be a soft inquiry because of a mistake made by XXXX XXXX. 

A hard inquiry by XXXX XXXX  by XXXX XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX XXXX  stated the error was theirs. Still, XXXX XXXX  allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, XXXX, FRAUD Departments I receive documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up
Consumer complaint received 2024-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion violation Section 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the CFPB reports number XXXX Transunion was supposed to disputed a charge off for a credit card and XXXX  XXXX verified a auto loan this show that Transunion failed to conduct a investigation. Asking that the charges off for the credit card be removed since tranunion and XXXX XXXX failed to verify the charges off on mine credit report I will be contacting state office in this matter and seeking legal action in court.
Consumer complaint received 2024-10-30
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. (SC)

XX/XX/year> XXXX XXXX or XXXXXXXX XXXX XXXX requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from XXXXXXXX XXXX XXXX XXXXXXXX through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from XXXX companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : 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 2024-10-30
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. (SC)

I am writing to formally request the removal of certain accounts and inquiries from my credit report as I am a victim of a data breach. Under FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am requesting that you block and delete the following accounts : Accounts to be Deleted : XXXX & XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$590.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$600.00} Additionally, I request the removal of the following inquiries : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2022-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc. (AZ)

My father, Mother and myself were evicted on the date of XX/XX/2016 and just recently I noticed I was being garnished 25 % of my checks every two weeks and I was never informed I had moved and they sent it to the apartment complex even tho the XXXX I spoken with had the correct address then still decided to send it to where it showed I moved from and when I spoke with the miss again asking for a new copy I still havent received it. Then the miss proceeded to inform me that I owed roughly around XXXX dollars and once I pay that amount off I would have to go back to court and i would have to pay even more possible up to XXXX total and she kept telling me if I were to pay the amount of XXXX they would try and settle and after having lawyers and others look into my case and notifying me they correct amount it shows that I would is roughly about XXXX the company