davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

Under 15 U.S Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( I ) 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. 

Please remove the following items from my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX has re-aged an old debt, which is illegal according to FRCA. I disputed the information was disputed with the credit bureaus and the information came back as verified. I have disputed the information several times over the last ( 2 ) yrs and it still has not been addressed.
Consumer complaint received 2023-07-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (IN)

1. Funds transferred in 2 tranches via Western Union app to transfer funds from XXXX XXXX XXXX Account in XXXX but the money was not received by the mentioned recipient for 10 months and WU is not responding lately. 
2. 1st tranche was of {$5000.00} made on XX/XX/2022, XXXX XXXX XXXX 
3. 2nd tranche was of {$4500.00} made on XX/XX/2022, XXXX XXXX 4. Called Western Union customer care between XXXX - XXXX to check the status of transfer but they only claimed the the amount is transferred to XXXXXXXX XXXX  in XXXX but did not receive conformation of the amount credit to the mentioned recipient. 
5. Western Union Customer service rep provided RRN 's which are no good to trace funds within XXXX. 
6. Filed a complaint to aroc.errorresolution@westernunion.com and received CASE numbers XXXX & XXXX for both the transactions respectively. 
7. After 10 days of follow up with Western union customer care, I get to know the amount is credited to beneficiary other than what I mentioned while filling the details in WU app due to 1 digit entered incorrectly.

8. I requested for refund to WU to which they mentioned wait time is 35 working days. The Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX mentioned the amount is credited to the beneficiary account whereas the mentioned recipient did not receive the funds. 
9. I've been writing emails and making calls to WU but WU says the case is closed and not responding anymore to my emails. 
This is my family 's hard earned money and because of Western Union 's fault I am a loss of money, time and peace for last 10 months. 
** Primary reason I noticed while using WU app is when you mention the beneficiary details the entire account number gets masked and you are not able to review the account information you've entered except the last 4 digits.
Consumer complaint received 2018-03-30
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (CT)

I have a copy of my checking account through federal clearing house that showed my account number was an in-correct number as entered. My account had sufficient monies in it but payments were refused according to PayPal Smart Connect & XXXX XXXX for months through my account. Damage has been done to my credit so I am being refused credit. 
This action took place by the both named above in XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. Despite numerous called to them I could not get any understanding to listen to my story until I was able to receive copy from XXXX XXXX XXXX in XX/XX/XXXX. The Connecticut Banking Commission gave me your address. 
The XXXX XXXX Financial name ( which ever one would choose to use ) is now being used in my other accounts, accounts controlled by them, & may be a way to frighten me? 
These other controlled accounts are not nor should be of concern is the way I see it for them. 
I want PayPal account paid in full with corrections made to credit reporting agencies.
Consumer complaint received 2023-07-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (NJ)

The septic inspection was conducted on Friday, XX/XX/2022. Please review the report summary ( three ( 3 ) pages ) below, as this report describes the current condition of the system. Based on the preliminary information that was provided and the information obtained from the field inspection, the whole system Unsatisfactory This condition observed can cause a backup into the home being served. The condition of this system should be corrected immediat
Consumer complaint received 2018-11-27
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: Rocket Mortgage, LLC (NY)

I created an online account with Quicken Loans / Rocket Mortgage. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with Quicken Loans and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by Quicken Loans twice explicitly without my consent.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (GA)

2017 I filed for Bankruptcy chapter XXXX not including my house or car. I continued to make monthly car payments. The bank was aware of the bankruptcy and advised me to make sure the affidavit were filled out and faxed to the bankruptcy department and they will continue to report it to the credit bureau. A year later and they refuse to report my car loan. I was told that's there policy. The car was not included, I'm making monthly payments that are not getting reported or I can turn it in back to the bank.
Consumer complaint received 2018-11-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (CA)

i Purchased a {$60.00} Toy on my ( HHGreg ) Credit Card in XX/XX/XXXX and i returned in 2 weeks, Store Customer Service ( Returned item Cashier ) made mistake and returned {$60.00} to my Different Credit Card instead returning Back on ( HHGreg ) Same Card i realised in XXXX some time then i started Calling to Store and Credit Card Bank ( SYNCB ) and amount became XXXX HHGreg they Shut Down all their stores, and ( SYNCB ) don't want to Cooperate. i have tried with XXXX and XXXX Customer Service referred me to XXXX now please i request help from you guys i should not be penalized for something i did not do. i always wanted to pay original amount but no body listened to me. 
please help : :
Consumer complaint received 2023-07-11
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. (NC)

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting. 

agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-07-11
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. (NJ)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XXXX XXXX, My balance on the Fifth-Third acct XXXX was {$1000.00} after a {$75.00} was taken out illegally. the balance before this was {$1100.00}. Someone from Fifth-Third Bank in XXXX, Fl. called me claiming that there was fraud going o in my accts. They said I needed to move ALL my money, from two savings accts. to my checking acct. The total of ALL my accts was {$9.00}. On XX/XX/XXXX the bank had refunded only XXXX. I am missing XXXX. I have tried to talk with the bank several times about this and they say I am fully refunded. Please help me get my money back XXXX XXXX XXXX
Consumer complaint received 2017-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (VA)

To whom it may concern, I mailed the Multiple Inquiry Removal Letter on    XXXX   XXXX   XXXX     by certified mail in order to dispute the information, in regards to  XXXX  hard inquires that were being reported on my credit report. They received the received the letter on   XXXX   XXXX   XXXX     and completed the request on   XXXX   XXXX   XXXX    . The request that I submitted included the  XXXX  hard inquires were not factual and I received the same response of a general letter from Equifax for ALL inquiries stating that inquiries contain information about companies that have requested and/or viewed your credit report information typically within the last  two years. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ), it states that any information can be disputed and Must be investigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my   certified letter, clearly is a sign that no investigation was taken to look into my dispute. I am in the process of trying to purchase a home and the hard inquiries on my credit report will have a bearing in this endeavor. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that do not belong to me. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2024-10-20
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. (MO)

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681. The accounts listed below have egregiously violated my right to privacy and the accuracy of reporting :. Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX  . Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX My Credit Report was updated in XX/XX/year> to which the Credit Bureau knowingly furnished inaccurate and incomplete information.

15 U.S.C. 1681 Sec. 602 ( A ) States I have the right to privacy.

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.

Under 15 USC 1681 ( e ) ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy in their reports. This has clearly not been done in my case, and the errors remain unaddressed.

Under 15 USC 1681i ( 5 ), it is the agencys responsibility to promptly delete or correct any information found to be inaccurate and incomplete during a dispute. Despite this legal requirement, the inaccuracies continue to persist on my report, causing unnecessary hardship.

Under 15 USC 1681s-2 explicitly states that furnishers must not report information they know, or have reasonable cause to believe, is inaccurate. These accounts have been reported in violation of this law.

Thank you for your prompt attention to this matter. 

XXXX XXXX
Consumer complaint received 2023-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Im delinquent on my mortgage payment since XX/XX/XXXXXXXX  but that same month I tried my very best to pay in the amount of {$6200.00} hoping I could keep my house. Then on XX/XX/XXXX, I sent another {$4800.00} to mitigate the delinquent amount. My financial situation is in deeply affected due the following reasons : 1. COVID-19. 
XXXXXXXX XXXX XXXX in my family-a brother that eventually died last XX/XX/XXXX. My financial for hospitalizations was necessary for his treatment prior to his death. 

XXXX. Some car and home central A/C system expenses that triggers also the increases of utility bills. 

I have so many outstanding debts due to above reasons. 

XXXX Loan Portfolio rejected my appeal give us another/extend of repayment period to the delinquent amount
Consumer complaint received 2018-03-26
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. (NJ)

I have unauthorized inquiries reporting on my Equifax report. I have contacted the XXXX XXXX and XXXX as well as Equifax for the six inquiries and still no results. 
1. XXXX XXXX 2. XXXX 3.XXXX XXXX 4.XXXX XXXX 5. XXXX XXXX 6.XXXX
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc. (SC)

I had a past due amount of XXXX owed to XXXX XXXX when I switched to a different carrier. XXXX XXXX shared my information to a debt collection agency ( Amsher collection services ) without my written consent or knowledge. This is aggravated identity theft.
Consumer complaint received 2023-07-08
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : Account name : XXXX XXXX XXXX  Account number : 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.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (MI)

My name is XXXX XXXX and I would like to report an online scam involving the scammer 's account with the Bank of the west I had posted an advertisement on my college XXXX page '' University XXXX XXXX  XXXX XXXX '' that I was looking for a room mate for my apartment and I was scammed by a person who said that they would like to send me a deposit. Instead of depositing the XXXX dollars that was agreed upon, the person would send me XXXX dollars by mistake and ask to send it back. 

When none of it is true it is a common Scam that they target XXXX students, Day 1 : The scammer by the name XXXX ( Phone number XXXX ) offers to send you money of XXXX dollars, They insisted on XXXX XXXX  XXXX as they are unable to send from Bank of the West , I give my friend 's XXXX XXXX   XXXX account number to receive the money, in this case my friend Mr XXXX XXXX XXXX account was given to receive money as I only have a XXXX bank account. 

The scammer deposits XXXX dollars instead of XXXX and calls me to ask me to send it back, now the scammer mentions that her brother Mr.XXXX has a XXXX account and I can also send it to them through the app called " XXXX '' by the email XXXX. I go ahead and send the money from my XXXX account to the scammers account through XXXX. Meanwhile my friend confirms that the money is received in his account and I send it. 

What has happened in the background is that the scammer has called XXXX XXXX XXXX and lied as if it was my friend mr XXXX and that someone is trying to deposit money into his account and to stop it. The bank sends a code to my friends account number and we think that it is a confirmation number for the bank to authorize the money to be received. 

This is where the XXXX  XXXX XXXX 's loophole made things worse. The actual money is stopped by the scammer before it gets to my friend 's account, but the bank releases a temporary credit and the money shows in his account as received. 

Day 2 : We do not suspect anything, but the scammer continues to call us saying that the money was accidentally deposited twice and requested we should send it back. 

I do send the money XXXX dollars again from my XXXX XXXX when my friend saw the increased balance in his account due to XXXX XXXX XXXX 's temporary credit deposited again. 

The scammer stops responding now and has received two XXXX dollars and we know that the scammer has the account 's phone number tied to the Bank of the West and XXXX XXXX. 

I have complained to the police : case number XXXX ( XXXX XXXX police, XXXX XXXX, Michigan ) My friend 's account now stands closed as the scammer might have access. 


I complained to my XXXX XXXX, XXXX customer care and received no support. 

Phone numbers used by the scammer : XXXX, XXXX emails : XXXX, XXXX XXXX