davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

The credit agencies have been reporting inaccurate information on my credit report. 

15 U.S.C. STATES 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

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. 

ALSo THE CREDIT BUREAUS TOOK MORE THAN 30 DAYS TO COMPLETE MY INVESTIGATION. HERE IS MY CERIFIED MAIL TRACKING NUMBERS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've sent letters to credit bureaus on XXXX XXXX. I have yet to have received a investigation nor received any results in my mail. I've contacted furnisher for updates also.
Consumer complaint received 2022-08-17
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)

CFPB, XXXX, XXXX, Equifax, This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (RI)

I opened a secured card with Discover XXXXo help build credit. I was asked to put {$500.00} down as a security deposit to be re-payed after demonstrating healthy credit management. I received an email stating that I had indeed demonstrated healthy credit management and that I should receive a check returning my security within XXXX business days. I never received the check. I reached out to a customer service rep and they said I had to wait XXXX  days to see if it was delivered. I was told I could receive the payment via ACH if I have a verified bank account. It has now been over a month since the check was " issued '' ( XXXX ) and I still have not received it. After reaching out again to check on the status of this check and ask for a ACH I was told that they have to recut a check ( XXXX days ) f then resend it and that I can not receive the payment via ACH. I am not interested in Discover earning interest for XXXX months on the money that should have been in my bank account over a month ago. Please advise.
Consumer complaint received 2024-09-10
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. (NY)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX  XX/XX/2023
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED BANKSHARES, INC. (VA)

Per our conversation, I am filing a formal complaint, regarding my wire that was not sent out. 

I went into the XXXX XXXX, XXXX, VA branch on XX/XX/XXXX. I signed a form for a wire transfer to go out in the amount of {$6200.00} from United Bank XXXX XXXXXXXX XXXX. I was informed by XXXX XXXX, branch manager, that it would go out that day. The transfer was to an estate account to pay Federal and State taxes. 

On XX/XX/XXXX, I was balancing my account, when I noticed the wire was never deducted from my account. I checked the other account and the wire was never received and the two government payments I sent were returned. 

I called XXXX and she said she would check on it. She called back and stated it was her fault, her system froze while processing and she put it in her pending and never went back to send it. I told her I wanted my return check fees paid as well as any penalties due to the checks being returned and not paid. 

She stated she would have to get permission from her Regional Manager and would get back to me and in the meantime, do I want her to sent the wire out. I said yes. 

The following morning, she called me again to ask me if I wanted the wire to go out. I stated I told her yesterday that I did. She said yes she knows but the wire was to old to sent out. At that point, I again stated to send the wire out and that I want her Regional Manager to call me directly.

The Regional Manager, XXXX XXXX, called me at XXXX pm. I missed the call, returned it at XXXX pm and left a message. I called back at XXXX pm. She returned my call at XXXX pm. 

XXXX XXXX, first question was, I understand there was a problem with your wire? I asked her if she had spoken with XXXX XXXX yet? 
She stated she had, but to provide her with the details. So I told her all of the above. She asked me if I had received the penalties as of yet. 
I stated not yet, but they are taxes for government agencies, so they are coming. I asked for a letter from the bank, stating they were the ones that did not send the wire and that is reason there were no funds in my account. She said when I receive notices from the agencies to let her know and she will send it to legal to see if I can obtain a letter. She did refund the overdraft fees from the other bank. 

I want the penalties reimbursed when I receive the amounts. I also want a letter from the Bank, stating : 1. I submitted the correct form for a wire on XX/XX/XXXX in the amount of {$6200.00} 2. The Wire was never sent out due to bank error, not due to any error by me I understand waiting for the penalty amounts to come in to be reimbursed, which I should be. However, I should not have to wait for a letter from the bank stating their error.
Consumer complaint received 2021-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (VA)

I transferred {$2400.00} to Robinhood Markets from my XXXX XXXX account. I did not purchase any investments with this cash. Robinhood has restricted my account without explanation and is asking to verify my identity before letting me withdraw funds. They are asking for a picture of my social security card, drivers license, and bank statement. I have a drivers license and bank statement, but I do not have access to my social security card. I am attempting to get a new social security card from XXXX but it has been challenging because all offices are closed due to covid. 

Robinhood is not responding to my requests to verify my identity in other ways, including providing a picture of my passport, copy of w-2, title to my home, proof of insurance, etc. They have not been responsive.
Consumer complaint received 2022-08-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (NM)

Today on XX/XX/22 mortgage servicer The Money Source provided me with a " goodbye letter '' notifying me that they will transfer servicing of my loan effective XX/XX/22. This is in violation of my rights under regulation 1024.33 Mortgage servicing transfers, in which a mortgage services is to provide me with 15 days notice about the transfer of servicing. XX/XX/22 is only 10 days from today, not 15, and I am afraid that I will not have enough time to set up payments with the new loan servicer prior to when my payment is due, XX/XX/22. 

In fact, The Money Source did not provide me with the goodbye letter at all, except that I had called their customer service line regarding an unrelated matter and they informed me that they could not help me due to transferring the servicing of my loan, when I asked for the information of who they were transferring to, they said to " XXXX it, '' and only after I called back 3 separate times to speak to a supervisor would they even send me the official " goodbye '' letter with the information of the new loan servicer. 

Regardless, The Money Source is still violating my rights in not providing me with the information of my new loan services 15 days in advance, as required under federal law. This violation of my rights is harming me as it causes undue stress and jeopardizes my ability to make on time payments for my mortgage, due to not having the information of the new mortgage loan services to make payments to. The Money Source should not be allowed to operate outside of federal laws and regulations.
Consumer complaint received 2021-03-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

When we closed the account I asked by total balance to be paid. I did pay them the total amount. Later, they come back with a new balance due. I told them that I already had talked to someone else about it and paid them. I gave them the name of the people who I spoke with and asked them to check their notes. Then, they said that they will remove the new charges. Months later, I got a letter from a collection company. I had to pay them again the same debt so they could report it to the credit report.
Consumer complaint received 2022-08-17
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. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX : {$74000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} FA XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$68000.00}
Consumer complaint received 2022-08-17
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: BANK OF THE WEST (AZ)

There is an entry into my experian credit report from Bank of the West showing a charge off and a balance owed of XXXX which is completely wrong. When I called the bank they agreed that I had paid this account in full and owe them nothing which I have a confirmed letter stating the same however I have not been able to get corrected on the XXXX credit report and it is lowering my credit score. This has been going on for XXXX months now and it is still not fixed.
Consumer complaint received 2022-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, and all documentary material purusant to 15 USC 57b-1 ( a ) ( 5 ) - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and all documentary material purusant to 15 USC 57b-1 ( a ) ( 5 ) ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Dear Sir/Madam, URGENT REQUEST FOR REMOVAL OF INACCURATE EVICTION ATTEMPTS I am writing to urgently dispute and demand the removal of eviction attempts from XXXX XXXX XXXX XXXX XXXX that are inaccurately reported on my credit file. I have never been evicted from any property, and these entries are entirely false. 

These erroneous eviction attempts are putting me at immediate risk of not being able to secure housing and are causing undue emotional distress. Landlords are reviewing this incorrect information and making decisions based on false records, severely hindering my ability to find a new home. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to have only accurate and verifiable information on my credit report. Section 611 of the FCRA mandates that credit reporting agencies investigate disputed information and delete any unverifiable, inaccurate, or incomplete entries within 30 days. However, due to the urgency of my housing situation, I am demanding that you correct these false eviction attempts within 3 days. 

Additionally, under the Fair Housing Act ( 42 U.S.C. 3601 et seq. ), landlords and property managers may deny housing based on incorrect eviction information, which constitutes a barrier to fair housing access. This misinformation is subjecting me to housing discrimination, violating my rights under federal law. 

Moreover, I bring your attention to the penalties outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations. Failure to promptly address inaccurate information can result in civil liability for willful noncompliance, as per 15 U.S.C. 1681n, and negligent noncompliance, under 15 U.S.C. 1681o. You are required by law to maintain accurate information, and continued reporting of these false eviction attempts is both a breach of your legal obligations and a serious detriment to my rights. 

Below are the specific details of the inaccuracies : Property 1 : XXXX XXXX XXXX 2 : XXXX XXXX Dates of Alleged Eviction Attempts : [ Insert date or date range, if known ] I have attached documentation confirming that I have never been evicted. 
I request that these inaccurate eviction attempts be removed from my credit report within 3 days of receipt of this letter. Failure to do so may leave me with no option but to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action under the FCRA. 

Upon completion of your investigation and removal of these erroneous entries, please send me a copy of my updated credit report showing these corrections. 

Thank you for your immediate attention to this critical matter. I expect your prompt response and resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Associates of Maui, LTD (HI)

Credit associates of Hawaii sent me a collection of {$380.00} for Hawaii XXXX XXXX. They sent a collection letter naming myself and my emergency contact from my storage application. I called Credit associates of Hawaii demanding that my emergency contact be removed from correspondence, and that they furnish proof of the debt, as I had already received a letter from the storage facility claiming that my ( empty ) storage units were being auctioned off. I have never received any proof of the debt, invoices, or any such information from Credit associates of Hawaii. The only thing that I received from them was an additional collection letter for {$960.00}. There are now 2 collections on my credit report, and I have yet to receive proof of debt or any sort of invoice indicating the amounts that they claim I owe.
Consumer complaint received 2022-08-16
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

I sent a letter convergent asking for : Validation of the debtthat is, the actual accounting.

Verification of a signed invoice.

A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered XXXX, Transunion, & XXXX have violated my rights numerous times. I demand the accounts listed below be remove becauause According to 15 USC 1692e, 15 USC 1692d, 15 USC 1692B, 15 USC 1681, Not use any language or symbol on any envelope or in the contents of any communication affected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

Also according to 15 USC 1681 : I have the right to privacy and I did not give XXXX, XXXX, or Transunion written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX ( Original Creditor XXXX ) Account # XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) Account # XXXX Additional Financial Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2022-08-16
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: Bread Financial Holdings, Inc. (NJ)

On XXXX received a text message from Comenity Bank Fraud Department asking if I would verify a transaction on my XXXX account of {$84.00} for XXXX XXXX . I replied I did not authorize this. They replied in a text message that they would call me to conform my account activity. I missed the call but tried to call back on the phone no. XXXX. I tried calling backbut keep getting a recorded message that they were getting many calls and to stay on the line which could be a XXXX wait. I have tried numerous times trying to get through to talk to a representative. I then checked my credit card account statement online and noticed another charge that I did not make of {$98.00} on my XXXX XXXX XXXX account to XXXX XXXX # XXXX which was made from XXXX which took place on XX/XX/22. I contacted the XXXX XXXX XXXX on XX/XX/22 to notify them that I did not make that purchase. I also contacted my local Police Department ( XXXX XXXX XXXX  XXXX. in XXXX XXXX ) on XX/XX/22 about this matter and filed a police report. According to my online credit card statement Comenity Bank 's system wouldn't be back on until XX/XX/22. On XX/XX/22 I emailed a message to the Fraud Department of Comenity Bank because I couldn't get through on the phone. I received a reply saying " Please accept our apologies for any inconvenience you've experienced. Please call XXXX at your earliest convenience. '' I have tried many times tryng to get through but keep getting the same recorded message and no one answers. Unfortunately I ended up paying my bill. I also put a lock on my credit card. I also asked them to call me back in an email message. I also asked for a paper statement to be mailed to me. As of today no one has called. On XX/XX/22 I sent a letter to them by certified mail about this matter.
Consumer complaint received 2022-08-16
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. (NV)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you