davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-06
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. (CO)

I have sent numerous correspondence to the XXXX XXXX and Transunion in reference to items I believe to be erroneous on my credit reports. I have repeatedly asked for information that is my right to have in accordance to the FCRA. They have not provided me a copy of any original documentation XXXX a consumer contract with my signature on it XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I  have copies of all my correspondence that were notarized and sent certified mail. The following accounts remain on my credit reports : XXXX XXXX XXXX XXXX XXXX I have submitted a police report today and will forward a copy as soon as it is approved.
Consumer complaint received 2017-11-06
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. (FL)

There is an account showing with XXXX XXXX XXXX XXXX XXXX which listed a balance of XXXX that I settled out. I have attached proof I DO NOT OWE and have disputed this. It 's still listed that I owe and do NOT
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-11-06
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: TD BANK US HOLDING COMPANY (CA)

On XX/XX/XXXXXXXX, I sent a certified letter with return receipt to XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX MN XXXX as listed on my credit reports, disputing the entry ( see attached documentation ). I specifically requested that they investigate the account entry and provide me any and all documentation that reflects this account entry is 100 percent accurate including the charge-off date as well as the amount reported as owed. XXXXt received my dispute ( see attached return receipt ) on XXXX XXXX, XXXX. I received a letter from XXXX datedXX/XX/XXXX whereby they assured me that the information reported was accurate, but that they would also be sending additional documentation. To date, I have not received any correspondence and it 's been well over 45 days. It is almost at the 60 day mark and they are yet to respond. It appears to me that XXXX has no supporting documentation to substantiate this entry as 100 % accurate and verifiable and therefore, it should be deleted from my credit reports.
Consumer complaint received 2017-11-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

money transfered but not received at any location or desired location in XXXX XXXX XXXX XXXX XXXX I transfered {$760.00} to XXXX with tracking XXXX XXXX WITH WESTERN UNION but the money is not received .I have called western union and e-mailed several times but no response hence this complaint
Consumer complaint received 2018-08-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

I wrote Moneygram in XXXX, MN. on XX/XX/2018. This concerned check No. XXXX, which was from a closed account at XXXX XXXX XXXX. In various e-mails with Moneygram, an e-mail from the Auditor, Resolution Assurance Dept. of Moneygram International on XX/XX/2018 advised they were working on obtaining a new check for me. However, I have e-mailed several times since, and have not had a reply or check delivered. 
This was their case # XXXX. 
Please see if you can have Moneygram issue me a new check. Thank you.
Consumer complaint received 2024-11-05
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. (MI)

COERCION AND DECEIT NOTICE OF INTENT AND PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES FOR VIOLATIONS OF THE FAIR DEBT COLLECTIONS PRACTICES ACT OR FAIR CREDIT REPORTING ACT ] Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within10 days. A copy of this letter as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I demand that you delete all of the unverified accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. Encl : 1. Copy of Social Security Card 2. Drivers License
Consumer complaint received 2024-08-23
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)

This is the letter I wrote to them requesting remov

al of two accounts they were reporting. I am writing to dispute inaccurate information on my credit report. The
account in question has several errors that need immediate attention : Incorrect Date of Closure : The reported closure date is inaccurate. The account was paid off and closed years prior to the reported date.

Negative Reporting on a {$0.00} Balance : Despite a {$0.00} balance, the account is still being reported negatively. This is unjust and misleading. 

Expired Reporting Limitation : The account should have been removed from my credit report as it has exceeded the seven-year retention period.

I kindly request that you investigate and correct these discrepancies promptly. Accurate reporting is crucial for maintaining a fair credit history. Please provide written confirmation once the necessary corrections have been made. 

Thank you for your attention to this matter.
Consumer complaint received 2017-11-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (PA)

Was called at XXXX XXXX on XXXX-2017 from number XXXX. My telephone number is a business number. Person named 'XXXX ' said he was from EOS CCA - but refused to identify who the company was, or what the call was about. I had to look them up online to find out it was a supposed collection agency. Also, the call did not indicate whether it was being recorded ( calls usually are ) or provide the required 'call being recorded ' statement. As he would not identify the reason for the call - or who EOS CCA was - I declined to confirm who he was speaking with, and then he hung up on me.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

Pursuant to FDCPA Section 809 and FCRA Section 609 and Equal Credit Opportunity Act and 15 U.S. Code 1681b - Permissible purposes of consumer reports, you all being XXXX and Equifax and XXXX and all those you service/serve are ordered to delete each and every invalid inquiry and invalid account and inaccurate account and invalid missed payment and invalid account balances within five days of failure to validate the information as well as unequivocal record proof that each person reporting invalid balances was the absolute and very first issuer of the credit in extension from XXXX XXXX XXXX with each inquiry and account subject to 15 U.S.C. 1635 for lack of full disclosure and failure to disclose my right to rescind my signature
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (FL)

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ray Klein, Inc. (CA)

My son had  XXXX  in  XXXX  of  XXXX . He had  XXXX   ( Medical ) a nd the procedure was fully covered. The procedure was done through  XXXX   XXXX   XXXX . On  XX/XX/XXXX , I went on  XXXX   XXXX  to check my credit, and noticed a collection account in the amount of {$7300.00}. I was shocked. I immediately called  XXXX   XXXX  and they explained that the bill never got paid so they sent it to collection. I explained I never even received a bill. The lady then said well I 'll check  XXXX  's eligibility for the date if service rendered and she found the service was completely covered. She apologized profusely and stated the hospital biller had made an error and was billing the procedure in my name, so it kept getting denied.   My concern it that this is n't fair. This has apparently been affecting my credit for 7 months and it 's still on there due to  XXXX  's own incompetence. This is n't fair to me and would really appreciate some help or insight as to what action I can take at this point.
Consumer complaint received 2018-03-28
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: Experian Information Solutions Inc. (MN)

I am a victim of identity theft. The following accounts and credit hard inquiries listed on my XXXX, Experian and XXXX XXXX credit report are fraudulent, not mine and dont belong to me : XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$780.00}, XXXX XXXXXXXX XXXX, XX/XX/XXXX, {$520.00}, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening telephone calls of profane language, death threats, threats of legal action, being arrested and going to jail and prison from XXXX XXXXXXXX XXXX representatives for over 1 year for the fraudulent XXXX XXXXXXXX XXXX credit card accounts. XXXX XXXXXXXX XXXX  is in clear violation of The Fair Debt Collection Practices Act ( FDCPA ). The XXXX XXXXXXXX XXXXk credit card accounts and credit hard inquiries are all fraudulent, unauthorized and dont belong to me.
Consumer complaint received 2017-06-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I initiated an international wire transfer in the amount of {$300.00} through the Chase website. I have cancelled this transfer within 10 minutes of attempting it and received a confirmation on the screen that it was cancelled. However, when I later checked my bank statement, I realized that despite the transfer being cancelled the amount was still charged to my account and never refunded. Moreover, the intended addressee has not received the money either. When I first raised this issue by calling Customer Service, I had to be transferred 2-3 times, was kept on hold for over 40 minutes and finally disconnected. Before being disconnected, I was told that the transfer was indeed cancelled and the money should be returned to me, however, the only department that can do it " is very busy ''. When I called the second time ( on XX/XX/XXXX ), the same happened, whereby I had to speak to 2 different representatives ( the last one named XXXX ), who both confirmed that the bank has made a mistake and the money should be refunded, however, they stated ( after I was kept on hold for over 30 minutes ) that the only department that deals with it is closed at that time and I should call the next day. I requested the bank to handle this internally offline without my involvement and notify me when the refund is done since they already received and confirmed all the necessary information but was told that they are not able to do that unless I am on the phone. I consider this approach to issue resolution a " run-around '' tactic by the bank - the procedure seems to be deliberately structured in a way to inflict the most inconvenience and pain onto the customer without any justifiable reason. If initial information from me, as well as authorization to access my account info has been already provided several times, there should not be any reason for the bank not to resolve it. If it takes them more than 10 minutes to resolve the issue, they should have a process to complete the action offline without keeping the customer on hold for ridiculous stretches of time. The result is my money has been held by the bank for over 2  months now and after spending 1.5 hrs on the phone I have not yet received the refund. I do not have ability to call every day at specific times and stay on hold for a long time because of my work schedule. I request that the bank resolves this matter asap and notifies me when it 's done. Thank you for your help!
Consumer complaint received 2017-06-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OK)

I requested a credit report in  XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service   XXXX   XXXX   for Speedy Cash was listed on my report. I have lived in Oklahoma since   XXXX   and have NEVER used a payday loan service. I disputed the false addresses and   XXXX   XXXX   account. I did get the addresses removed, but have tried for several years to have the negative report from   XXXX   XXXX   removed.
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I have repeatedly disputed this information on my account and have never received any direct notification from   XXXX   XXXX   until  XX/XX/XXXX . This account does not belong to me.   XXXX   XXXX   has closed this account on my report, however  XXXX  has not done so after repeated disputes.
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I have tried to find an email contact for   XXXX   XXXX   to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from   XXXX   XXXX  .
Consumer complaint received 2017-11-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CT)

The bank I trusted with my money : Santander. On or around XXXX XXXX XXXX I had noticed strange unauthorized activity withdrawing money from my checking account. My card was charged {$92.00} plus an international charge of {$3.00} on XXXX/XXXX/XXXX. Another charge in the same amount was posted to my account only 14 days later. On XXXX/XXXX/XXXX my account was charged again in the amount of {$92.00} with an international charge of {$3.00}. I spoke with a branch employee reguarding the issue and we then set up a complaint and attempt to retrieve money back. My card was replaced at that time. Within about three business days one of the charges had been refunded. The amount refunded was {$92.00} plus the international charge of {$3.00} was refunded to my account on XXXX/XXXX/XXXX. I was still waiting for the remainder of the refund. The amount I was waiting on was {$92.00} plus {$3.00} international charge. On XXXX XXXX XXXX my account was over refunded two refunds in the amount of XXXX and an international charge of {$5.00}. My expected refund was only in the amount of {$96.00} total. The over payment was not my fault and was in the amount of {$96.00} plus {$5.00}. On XXXX XXXX XXXX I had noticed the overpayment was taken out of my account in the amount of {$92.00} and {$3.00} the international charge. Then on XXXX XXXX my card and account was debuted yet another {$92.00} with another {$3.00} international charge. It also caused my account to drop to a negative account balance. I have sat down with several bank representatives who have seen the wrongful amounts withdrawn from my account and they have told me they could not help me. Over the course of the rest of XXXX I refused to put money in my own account for fear they would allow wrongful withdrawals again. I asked them to close out the account and it had since aquired addition overdraft fees each being {$35.00}. And then once more a sustained overdraft fee of {$35.00}. A total of {$170.00} in overdraft fees. Im hoping that they can adjust the amount that I owe so I can once again open a bank account as I have not been able to because it has been reported against me. This situation is not fair to me and my time. Its been very stressful for me and as a mother of XXXX children I need a bank account to keep my money safe. I do refuse to pay money that I do not owe in the process of this reselution.