davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
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: Experian Information Solutions Inc. (NJ)

I pulled my consumer report and there was a charge off from XXXX XXXX. 

Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a Consumer Report This account is in violation of any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in the transaction.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-11-12
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2023-01-24
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 (NC)

My direct deposit came into my account as well as a withdrawal hold fees from the NC Tax was attached I asked bank to remove the fees but never did instead i accessed fees to my account in which turned into a collection matter I was harrassed by the bank to pay fees while my account was on hold the hold was released and the bank still held my funds.
Consumer complaint received 2015-10-15
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

I initiated an online money transfer with MoneyGram Online services on XXXX. The money was deducted from my bank account on XXXX. But the transaction was never processed by them. The normal time to process a transaction with MoneyGram is 1 to 3 days so I called on XXXX to inquire and was passed to XXXX different people. Finally I was transferred to " MoneyGram Escalated '' department. The young lady named XXXX refused to give me her title. She told me the problem was with my financial institution. When I said there was no problem there then she said she could n't tell me. She did offer a refund in 3-10 days which I found unacceptable since they had already had my money for 13 days. When I asked for a manager they told me there was n't one. When I asked what federal agency regulated them they told me they could n't tell me. I am mostly reporting this because I find it irregular and suspicious behavior and should be noted by consumers and the regulators.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-24
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. (GA)

I have an account reporting incorrect information on my credit report. They have 3 different balances showing on each report. According to the law all accounts reporting must be accurate or it has to be deleted. 
XXXX XXXX account XXXX
Consumer complaint received 2023-01-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, XXXX Bank # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (ME)

In XXXX of 2022 I made a monthly Payment to my PayPal world Mastercard ( Synchrony Bank ). They Payment was in the Amount of $ XXXX The Payment did not go threw due to insuffent funds in the account. when I became aware of the problem I transfered the money from my other checking account into the correct account. 
I then resubmitted my monthly Payment to Paypal World Mastercard. The Payment was Made for the full monthly statement and Paid Ontime. 
I have then been receiving letters from XXXX Bank stating that They received the Payment that day but the Payment was Returned to my Bank. XXXX XXXX XXXX XXXX XXXX ) And I Still owe the $ XXXX I have contacted PayPal multiple times reguarding the problem. They say the Payment went through fine. 
I Have contacted my Bank Multiple times reguarding the problem, They say the Payment went through fine and was NOT Returned like Synchrony Bank is Saying. I have had the Bank Provide me with emails/ Letters Showing the Succesfull Payment with all information needed and requested From Sychrony Bank to Locate the Payment and I still end up with another Letter from XXXX stating that they have not got the Payment. 
I have Contacted Synchrony Bank countless times On the Phone ( 16+ HRS ), Mail, Their Online Chat Center, and Message center on the PayPal website which keeps track of the Messages. I have opened many Cases with them to resolve the issue And I am Getting no where with them. 
This has been Going on for 11 Months. I do Not miss any Payments and I hold an XXXX Credit Score. I am at my whits end so I finally contacted a Laywer friend for advice and Was refered to The AG office. 
PLEASE PLEASE Help me out with this if you can. 

The Business 's customer service responded multiple times on the phone that their was a Problem on their end and they could see all the Information I had Provided was correct and I was all set and squared away. they said it may take a few days or a week to show on my online statement the corrections.

As time went by I had to contact them again because the Problem still existed and was informed over again that I had not made my Payment. 
I received a letter after every case I have opened with them stating the same thing.
Consumer complaint received 2015-10-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My husband and I purchased a home XX/XX/XXXX. We made payments until we experienced financial hardship. We contacted the bank and sought a modification. The bank gave us a trial modification requiring that we make three payments in the amount of approximately {$2000.00}. We felt that this amount was a take it or leave it agreement and was setting us up for failure. This amount was more than we could afford, nevertheless, we made two payments under the trial modification. However, before the third payment, my husband passed in XX/XX/XXXX. I then sought to may arrangements with the bank, based on his death and further change in my financial circumstances. Despite my efforts the bank refuses to work with me. They will not talk to me. Instead, they filed a foreclosure case against me on XX/XX/XXXX in the XXXX county courts. I am XXXX years old. I am on a fixed income, and do not want to lose my home. Now it seems like they have transferred my loan to XXXX XXXX XXXX. Please help
Consumer complaint received 2023-03-01
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. (NJ)

I reviewed my Consumer Reports and noticed that I had two late pavments on an account Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
XXXXXXXX XXXX XXXX : # XXXX .15 U.S. Code 1681a - Definitions ; rules of construction Exclusions ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; late payments are transactions & experiences. 

XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-01-24
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. (OH)

XXXX XXXX XXXX {$230.00} XXXX XXXX In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: Experian Information Solutions Inc. (OR)

I really do not know the contact info as it just appeared on my credit report. Who is XXXX XXXX? I applied for a position but was told after I arrived from Arizona that I would not be hired as a volunteer. So left as had no where to go.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am writing to file a complaint against XXXX ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with XXXX for a payment deferment on my car loan. However, despite this agreement, XXXX has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), XXXX is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, XXXX is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that XXXX be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC (MO)

Westlake is in a act of fraud asking for a {$20000.00} down payment and a false & inaccurate finance charge under truth & lending in participation in a consumer Credit transaction, Pursuant 15 U.S. Code 1605 Determination of a finance charge is the sum of all charges in connection with any consumer credit transaction,
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (FL)

I submitted Case number : XXXX but it was not sent to Citibank but rather to XXXX for resolution. Since the Patriot Act, banks are required to obtain ID before opening an account so I want to know how was a CRIMINAL allow to open an account and receive wire transfers. Also how did Citibank allow their database to be hacked and all correct information on a credit card was stolen and used to pay for my services. And now I am told I have to write-off all my expensesI wire transferred {$3200.00} to what I thought was a legitimate customer of Citibank who turned out to be a scam. The following information is all documented via emails. 
On XXXX/XXXX/2014 we received a request for quote via email from XXXX XXXX from XXXX and Sons to print XXXX flyers. 
On XXXX/XXXX/2014 we received an email with the information on the Mastercard we used to pay for the XXXX and Printing of the material of {$5800.00}. On XXXX/XXXX/2014 the funds from the credit card were deposited into our bank account and that is when we started the printing the material On XXXX/XXXX/2014 he asked us via email for the status of the printing job and asked us to contact the XXXX XXXX to schedule the pick-up by the XXXX XXXX. On this date, he also called the shop to talk about the status. We schedule pick up of the XXXX XXXX at our shop on XXXX/XXXX/2014 and paid the XXXX company the {$3200.00} they requested for the shipment. I was provided a routing number and account number and name. 
On XXXX/XXXX/2014, in reconciling our bank account we noticed that the {$5800.00} was chargeback to our bank account and hence the reason I am writing this information. In the meantime, the XXXX XXXX flyers have been printed and we are waiting for the XXXX Company to pick them up
Consumer complaint received 2023-01-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months.

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer.

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Consumer complaint received 2023-01-24
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: WELLS FARGO & COMPANY (NC)

I was in the process of selling my home and buying a new home. A very stressful and highly agitated time in my life, eating away at my time, life and energy. I needed to find a mover. Most movers at the time weren't available due to the summer season. I came across an ad on the internet about a moving company, I called the number and spoke to what I believed was an actual moving company. They told me that they could move me when all the well known movers couldn't, I was desperately needing to move due to my house closing at the end XXXX, when I contacted them at the end of XXXX. The move date was over a month in advance. Most of my transaction conversations were done on the phone. I was trying to juggle working at my job while this was all happening and fielding a lot of calls from work, realtors and now this moving company, which the moving brokers kept calling. Long story short, I believed them to be movers, I gave them my credit card number as a down payment of {$5300.00}, but they were not movers, they were brokers. I only found out because I was too busy to read the contract due to my limited time, they had told me some one was going to reach out to me in 3 to 4 days to solidify the move, when they did not, I got concerned I was scammed, and went to look at their contract to see, yes, I was scammed, and no one called me, therefore mitigating their UNCONSCIONABLE Contract. I was shock to find out they weren't movers, more shocked to find they had when I believe to be a highly unethical contract, and researched on XXXX and the XXXX XXXX XXXX showed me that this is a very dirty business doing this to hundreds to thousands of people. I went about cancelling this move with these scammers, thieves, and went directly to my bank to cancel and dispute the transaction because I wasn't going to be utilizing them. This contract is UNCONSCIONABLE- All this is what I went through with these movers : Undue influence ; XXXX ; Unequal bargaining power ; Unfair surprise ; or Limiting warranty. 
My Bank, Wells Fargo, had took over 6 months to give me an answer for the dispute. They claim because I signed this contract that I am stuck with the {$5300.00}, even though this horrible moving brokers did NOTHING for me! They did not find me any movers, I found my own. They did nothing for that {$5300.00} that they STOLE from me, and my bank Wells Fargo has allowed these scammers to do this. 
NO SERVICES WERE RENDERED! NONE!!!
Consumer complaint received 2023-01-24
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. (FL)

Willfully FCRA Violations by Experian, XXXX and XXXX for Facially False Data and Lack of Controls This complaint is based on recently discovered correspondence of XX/XX/XXXX to me from XXXX XXXX Senior Vice President, XXXX XXXX, and credit reports of XX/XX/XXXX and prior from Experian, XXXX and XXXX, which document that XXXX XXXX SrVP wants my account marked CLOSED since XX/XX/XXXX but my account has been inconsistently and impossibly changed to OPEN after XX/XX/XXXX despite monthly reporting as CLOSED from XX/XX/XXXX to XX/XX/XXXX. This Complaint must be referred to XXXX XXXX  SrVP XXXX XXXX  who is the person with the most knowledge of the facts to demand and insist that every CRA report my XXXX  account as CLOSED and never again report it as OPEN. I attach extensive additional facts and documentation which is realleged by reference as if specially set forth at length herein.
Consumer complaint received 2023-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.