davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-31
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

On XX/XX/2015 at XXXX EDT, I made a Moneygram transfer transaction at the Walmart location at XXXX XXXX XXXX XXXX, XXXX, reference code XXXX, in the sum of {$2000.00} with a fee of {$40.00}, to be delivered to a ex-officer friend in XXXX. Unfortunately, when the XXXX went to collect the money, he was told the money had already been received. I made a formal complaint to Moneygram on XXXX XXXX and i was told it would take upto 90 days for an investigation to be conducted. The complaint number is XXXX. Since then, I have tried several times to check on the status of the investigation, and each time i was either put on hold for several minutes and then disconnected, or told to wait for an email response.On XX/XX/2015, i got a voice message from a XXXX at XXXX XXXX stating that the investigation was still in progress and that they would send me email about the status within 2 weeks. More than 2 weeks went by but i did not receive any email. I followed up with XXXX but got no response and left several messages. I made several other attempts and finally somebody told me that the case was closed and that they had evidence that my friend collected the money. i asked for the documentation proof of the money collection transaction receipt to be mailed to me, but i never received them. In particular, i wanted to know where in XXXX the amount was disbursed, the name of the issuing agent, the receipt of the transaction showing the signature of the person who collected the money, and the form of ID used. I called again and again, many times running into dropped calls, and finally a person I talked to told me that i could only sue them ( Moneygram ) in order to get the information. i sent a final email and a hard copy mail to Moneygram XX/XX/XXXX and I was completely ignored. Moneygram fails to admit the fact that there have fraudsters working for them. There are many of such stories as mine. For several years, I have made several money transfers to this family friend of mine and i trust him well to know that he will never defraud me.
Consumer complaint received 2023-01-25
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)

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-08-14
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a business credit card account with Bank of America. The payment was late. They took money out of my personal checking account without my authorization. When I called Bank of America they refused to investigate the charge. If they had a judgement I can see how taking money out of my account would be fine, but they do n't. My personal checking account is not linked to the business account ( for a reason ) and there was n't enough in the business account for them to siphen money from, so they took it out of a personal account instead. When I called to dispute the charge I was told that I 'd have to dispute it with the credit card department. If it had been any other creditor I would be allowed to dispute it with my bank for an unauthorized charge ( listed as a debit card purchase ). The representative said that the checking account was linked to the business credit card which is completely false, but still I did not authorize that charge. There is no judgement that would give them access to my account. If I were having this dispute with any other credit card company they could n't just take money out of my account without my permission or a judgment and the judgment would be against the business as again this is not a personal account.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SANTANDER HOLDINGS USA, INC. (RI)

I received a text for a work from home opportunity on XXXX XXXX XXXX XXXX. I was told to email a guy named XXXX XXXX through XXXX to get the job process started. I downloaded the XXXX app and started messaging the guy named XXXX XXXX. He informed me about the company and the job responsibilities that I would be doing. He sent many interview questions for me to answer in order to determine if I was a proper fit for the position. I answered all the questions then he gave me a score of XXXX. I got offered the position as an XXXX XXXX XXXX. Fast forward, He said the company provides the equipment for the job but I would have to receive checks from him in order to send them to the vendor to receive the equipment. The first check was for {$2300.00}. He told me to print out the check he sent through XXXX and then deposit it to my account. I did that then he said send {$1000.00} to the vendor. I did that then he said send {$1200.00} to the same vendor. I also did that. Day later, the bank said the {$2300.00} check in fake. But before that, he sent me another check for the amount of {$2000.00}. I found out today that check is fake as well. Now I owe my bank for the first check. The amount is {$2200.00}. I don't have that to pay back the bank and also it is not my fault. The second check was caught before I was able to take any further action. Thank God! XXXX is not helping me at all. They say I have to go through the actual bank to settle this matter. Santander is giving me a difficult time and they told me it usually very hard to get money back when involving XXXX  Documents : I have much more evidence to provide but can't at this time.
Consumer complaint received 2023-02-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XXXX XXXX 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
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. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-02-28
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XXXX of XXXX BofA had a savings account offer for a {$100.00} bonus offer if you deposited {$1000.00} within thirty days of opening an account and maintained that account for a required period The account was opened on XX/XX/XXXX. I made a deposit on XX/XX/XXXX, the promotion required I maintain the account through XX/XX/XXXX ( I still have the account open and funded ). The confirmation stated I would receive a bonus by XX/XX/XXXX. As of this writing no offer was received. 

I contacted BofA in early XXXX and was told to wait until XX/XX/XXXX, XXXX As of XX/XX/XXXX I have not received the bonus offer. During a follow up call on XX/XX/XXXX the representative was unable to locate the offer and I would have to wait up to sixty days for an investigation to be complete. Unacceptable. I have already waited sixty days from the date BofA said funds would be deposited.

Included is a copy of the statement showing funds deposited as required, a current statement, and the confirmation I qualified for offer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Subject : Formal Dispute of Inaccurate Information on Credit Report Due to Equifax XXXX Breach I am writing to dispute certain inaccuracies on my Equifax credit report that I believe are the direct result of the widely publicized data breach that your company suffered. As you are undoubtedly aware, the breach compromised the personal information of millions of consumers, including myself, leading to potential unauthorized activity on credit files. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the legal right to dispute any information in my credit file that I believe to be inaccurate, incomplete, or the result of fraud. Under 15 U.S.C. 1681i, Equifax is required to investigate any disputes and, if the information can not be verified as accurate, it must be corrected or deleted from my credit report. 

The following accounts and/or entries on my credit report are erroneous and likely linked to fraudulent activity stemming from the breach : XXXX XXXX  A According to 15 U.S.C. 1681e ( b ), Equifax is obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The presence of these inaccurate entries indicates a failure to uphold this legal standard, which has caused undue harm to my creditworthiness. 

I formally request that Equifax conduct a comprehensive investigation into these disputed items. In accordance with 15 U.S.C. 1681i ( a ), you are required to complete this investigation within XXXX days and provide me with a detailed report of the findings. If any information is found to be unverifiable, erroneous, or the result of identity theft, I demand that it be immediately corrected or removed from my credit report. 

Furthermore, if this dispute results in any corrections to my credit report, please ensure that these corrections are communicated to all other credit reporting agencies to which the inaccurate data may have been furnished, as required by 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ). 

Thank you for your prompt attention to this matter. I look forward to your timely response and the necessary corrections to my credit report. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-03-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tebo Financial Services, Inc. (NY)

Previous Case Number XXXX I was told in the above mentioned case in XX/XX/2016 that this information would be deleted from my credit files and it remains. I have contacted XXXX with the AUD number and they still tell me there was never a request made to delete.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The credit bureaus have reported incorrect information on my credit report, specifically my name and address. Despite my legal name being XXXX XXXX and my correct address being XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, they continue to display incorrect variations. I have made multiple attempts to resolve this issue, but the inaccuracies remain. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information on credit reports. Specifically, Section 1681e ( b ) of the FCRA mandates that credit bureaus adopt reasonable procedures to guarantee accuracy. Case law supports this right to accurate reporting, such as in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX  ), where the court found that credit bureaus have a duty to take reasonable steps to verify disputed information.
Consumer complaint received 2023-02-28
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)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these inquiries and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-02-28
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. (LA)

I appreciate you making the effort to delete and repair some of the data on my credit report, but there are still some items that need to be removed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be discarded as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (CA)

I paid off my Kia Finance America car loan on XXXX. There was a refund supposed to be returned to me in the estimated amount of {$980.00}. I have still to receive my refund from them. I have called them about XXXX  times  and they keep telling me that they are processing it and never do. They legally have 30 days to refund me my money after the car has been paid off. It has now been over XXXX and XXXX XXXX  and still no refund.
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XXXX XXXX XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2023-02-28
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-02-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (NJ)

I had a car through regional acceptance bank. It was totaled in a car accident. The insurance paid the car off. They stated I owed them XXXX. I paid the balance. The never updated my credit report. That Debt is well over 7 years old. It needs to be removed from my credit.
Consumer complaint received 2023-02-28
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00}.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am filing a complaint here today in order to investigate some accounts in my credit report which I believe to be erroneous. These accounts must be validated immediately to prevent more harm to my credit file Here are the aforementioned accounts : XXXX XXXX Balance : {$7.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$580.00} I already sent the necessary documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov so please verify and investigate the accounts above
Consumer complaint received 2023-02-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Account Name : XXXX XXXX XXXX Account # XXXX & Account # XXXX Violation of 15U.S.C 1681 ( S ) 2 -This is inaccurate reporting Therefore delete account off my consumer report And Delete account due to Violating FCRA Rights I sent a dispute registered mail with return receipt to all three credit reporting agencies on XX/XX/XXXX. The credit reporting agencies did not do an adequate investigation within 30 days violating 15usc1681e ( b ) ; 15usc1681i ; 15usc1681c ; 15usc1681n ; 15usc1681a ( 3 ) it is now XX/XX/XXXX, and the dispute still has not been initiated nor finished NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL The attachment shows 35 different reasons why this account shouldve already been deleted over a year ago The account not being deleted over a year ago, proves I am owed monetary compensation for the violations of the fair credit reporting act
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Personal Information Employers : XXXX  Previous Address ( es ) : XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2024 Previous Address ( es ) XXXX XXXX XXXX XXXX, XXXX XXXX