davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-22
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. (TX)

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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) 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 lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MO)

On XX/XX/XXXX I used MoneyGram to transfer money to a bank account. The transaction was processed under reference number XXXX. I received a text that the Transaction was completed and money was sent about XXXX on XX/XX/XXXX. Checked the receivers bank account and money was not available. Their site says it would be available in the account within hours. Next couple days go by and no money but they did take my money and could not tell me where it was {$950.00} which was needed for a mortgage payment that the receiver is now behind on because of this company. Contact MoneyGram, they verified the recievers account information with me and told me everything was correct but still could not tell me where my money was said that they could not cancel the transaction because it was already completed but they would open up an investigation but it would take up to 90 days I said this matter can not wait 90 days as its for a mortgage payment they claim they would escalate it. Called the receivers bank and they showed no record of an incoming transfer, asked MoneyGram for the fed reference number so that the bank could investigate and they would not provide it to me and it was not on the receipt for the transfer. XX/XX/XXXX ( today ) I reached back out to MoneyGram to let them know the money still is not there in the account, the rep today now tells me the funds were rejected by the bank because account information was incorrect ( it was not incorrect I had already previously verified this with them before ) I also pointed out I noticed on my transaction details on their site it says I processed transaction on XX/XX/XXXX which was correct but it was saying completion date XX/XX/XXXX how is that even Possible? Its like it was a fake receipt or something and they just took my money. After pointing that out the rep just abruptly canceled my transaction saying it will be refunded to me within 10 days and then closed the chat on me. I see nothing but hundreds of complaints online about them saying people will receive refunds and they dont get them in the 10 days as promised I want this noted because I want my money back this is not a game and has caused someone to be behind on their mortgage. Their playing with peoples money. I look at the email I got today about the transaction being canceled and it isnt even correct it says that the Transaction is canceled and will be refunded but listed the receive method as cash pickup and it was not a cash pickup it was an attempt to transfer to a bank account how can you even get that wrong? Seems like they are fraudulent and taking peoples money and holding it for whatever reason but it needs to be investigated and I want my money returned to me in the promised time frame. Literally all the complaints online sad similar to mine I dont know how this company is still able to conduct business and deal with peoples money this is so unacceptable.
Consumer complaint received 2023-05-22
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-05-22
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXXBalance : {$13000.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$100.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion is currently allowing companies to show on my credit report negatively. In addition there is a credit freeze that Im unable to lift through their website. This catastrophic issue caused me to disqualify for a home this summer. Now Im facing a rent increase that will bankrupt me.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (TX)

My Cash App account was tied to my debit card with XXXX. During the end of XXXX and through XXXX both my XXXX and my Cash App were hacked and fraudulent checks were deposited to my XXXX account and Cash App withdrawals were immediately used to pull the money out. The total amount of fraudulent checks deposited to XXXX were {$17000.00}. The total Cash App fraudulent withdrawals totaled {$10000.00}. When the fraud was discovered I immediately deleted my Cash App account to prevent more fraud. XXXX provided me copies of the checks that were found to be altered/fictitious and not my responsibility, they reversed those checks out of my account. The Cash App transactions were not reversed and XXXX is refusing to accept responsibility and is now turning me over to a collection agency. I've tried many times to get in touch with Cash App and the only way possible is by Chat through the app. They are telling me that because I deleted my account, my account data was wiped and no longer available. They will not provide me with a way to report the fraud for investigation. While my Cash App was active I would always get an email of my transactions and I never received any emails of the transactions that were fraud.
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (NJ)

I have been receiving text messages, email and phone calls from True Accord. I spoke with someone in that company once and requested that correspondence to me should be written and mailed to my address. I like to have physical document rather than call and email. .I have no recollection of any loan with this company or whoever they are representing. I demand a written letter and validating evidences from the company.. I do not want email or text messages from this company henceforth
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (NC)

I appreciate your time to correct some of the erroneous items in my credit file ; however there are still many items that need to be corrected and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

A few months ago, I closed my USAA insurance accounts because they claimed on several occasions that they did not receive my payments. Unfortunately for me every time they claimed to have not received a payment, I was charged a {$15.00} late fee. So, after several years of USAA losing my payments, I decided to change insurance companies to one who could properly process my payments without losing payments. After closing my accounts, USAA claimed that I owed them {$15.00}. The next month they claimed that I owed them {$30.00}. Enough is enough, I want them to stop contacting me and go away. I do not owe them anything. They can pay their own {$15.00} late fees from here on out. 

On XX/XX/2023 they sent me another harassing email regarding a debt collection for an account that I closed a long time ago.
Consumer complaint received 2018-10-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (AZ)

Ditech is the company that services my loan. I make regular payments to be applied directly to the principal in addition to the regular payment. They do not credit the additional payments in a timely manner, which affects the amount of accrued interest which inflates the loan amount and does not accurately reflect the accurate principal amount. Now, Ditech has not applied any of the additional payments that they have received since XXXX. I had so many issues with them not applying the amounts in addition to not taking the automatic payments that I signed up for. I was forced to make the payments myself and I even sent the extra principal payment in a separate check. Their records document that they received all payments but did not apply them. I have contacted them numerous times regarding this. They still have not addressed this. I have been told that my only recourse is to continue to call them. 
Escrow : Ditech sent my hazard insurance payment in the wrong amount and with a wrong account number to my insurance company. The payment was returned ; This started a chain of errors, with them making double payments ( 2 on the same day ) leaving my escrow account underfunded. They notified me that my monthly payment would increase by {$200.00}. They made an escrow advance, which I was charged for to make the payments. They refused to work with my insurance company to resolve this after numerous attempts by the insurance company to rectify this. They flat refused to even contact the insurance company and would not take my company 's telephone calls. I was hung up on, passed around, and generally mistreated. No one could ever find any record of me contacting them. Finally I had to make the premium payment myself directly to the insurance company because they said that they canceled my policy. Luckily for me, my agent was able to reinstate it since there was no history of any late payments. He got a 2 month extension. The money for the premium is in my escrow account and there has been no action since XX/XX/XXXX. Each time I submit an inquiry they keep informing me that I would be contacted ... yet they have not done so. In my last 2 communications I asked to be reimbursed for the payment that I made. The money is there. In addition, I informed them that I would assume responsibility for making all insurance payments myself, and want the amount of the escrow payment to decrease. I made it clear that my escrow payment be recalculated to reflect that they no longer will collect money from me for insurance payments. I have made numerous attempts to resolve this. On most attempts to submit my concerns, I receive a message that they were experiencing technical difficulties and the message was not sent. I can not retrieve the message. They have also informed me that they would probably send me some form to give them permission to investigate my complaints. I have received nothing. 

I charge that Ditech is subjecting me to deceptive fraudulent practices.
Consumer complaint received 2023-05-22
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)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX 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 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have requested copies of my credit report from the three credit bureaus. One of them, TransUnion has lowered my score since my first request three months ago. Additionally, some of my accounts have not been properly adjusted since they have been paid off.

My ability to obtain a house has been severly hampered as a result of the inaccurate rate placed on my file.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Subject : Request for Removal of Inaccurate Addresses from Credit Report To whom it may concern, I am writing to request your assistance in correcting inaccurate information that is being reported on my credit report. Specifically, I have noticed that there are erroneous addresses listed on my credit report that do not belong to me. I believe these inaccuracies are negatively impacting my creditworthiness. 

I have carefully reviewed my credit report from Transunion and have identified the following inaccurate addresses/phone numbers : 1. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. XXXX XXXX XXXX XXXX, VA XXXX 3. XXXX XXXX XXXX XXXX XXXX, VA XXXX 4. SAFETY DEPT FPO, AP XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, PA XXXX 6. XXXX XXXX XXXX  XXXX, XXXX  XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX, PA XXXX 9. XXXX XXXX XXXXXXXX XXXX NV XXXX 10. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX 11. XXXX XXXX XXXX  XXXX NV XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX  XXXX 13. XXXX XXXX XXXX XXXX XXXX, FL XXXX 14. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 15. XXXX  XXXX XXXX  XXXX XXXX, XXXX  XXXX 16. XXXX XXXX XXXX XXXX, FL XXXX 17. XXXX XXXX XXXX XXXX XXXX, FL XXXX 18. XXXX XXXX XXXX XXXX XXXX, VA XXXX 19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX 20. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 7. ( XXXX ) XXXX 8. ( XXXX ) XXXX 9. ( XXXX ) XXXX 10. ( XXXX ) XXXX 11. ( XXXX ) XXXX 12. ( XXXX ) XXXX 13. ( XXXX ) XXXX 14. ( XXXX ) XXXX 15. ( XXXX ) XXXX 16. ( XXXX ) XXXX 17. ( XXXX ) XXXX 18. ( XXXX ) XXXX I can confirm that I have never resided/no longer associated with/or conducted any business at the above-mentioned addresses. Therefore, I kindly request that you investigate this matter and remove these inaccurate addresses from my credit report. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates credit reporting agencies to maintain accurate and up-to-date information on consumer credit reports. Inaccurate reporting can have a significant impact on credit decisions and may result in unfair disadvantages for consumers.

I kindly request that you initiate an investigation into these inaccuracies and take appropriate action to remove the erroneous addresses from my credit report. I also request that you provide me with confirmation of the investigation results and the subsequent corrections made to my credit report. 

I appreciate your attention to this matter and your assistance in resolving this issue promptly. Should you require any additional information or documentation from me, please do not hesitate to contact me at XXXX or XXXX.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX I am writing to request the removal of the unauthorized credit inquiries on my credit report listed below. My latest credit report shows a number of hard inquiries that I did not authorize. This information is inaccurate and needs to be removed 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
Consumer complaint received 2024-10-19
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. (IL)

I recently checked my credit report and found pursuant to consumer law, specifically UCC 9-506, a repossession entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately.
Consumer complaint received 2023-05-21
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: AMERICAN EXPRESS COMPANY (NY)

Dear Sir/Madam, I am writing to dispute a charge on my AMEX account XXXX 
Despite the fact that I have forwarded all the communications to dispute department it seems that AMEX dispute dept are just ignoring it. Below I will try to explain briefly. 
The transaction in question is listed on my account as XXXX XXXX XXXX XXXX of companies ( when googled you can see it as a scam company ) Contract which was signed by me XXXX XXXX, on XX/XX/2023 contains incorrect names that do not match the names of the parties involved in the agreement. 
Specifically my name XXXX XXXX is listed as XXXX XXXX. Since the names listed on contract are incorrect it is NOT LEGALLY BINDING, therefore I am requesting AMEX that the contract to be voided and charges reversed. 
I am requesting that this charge be removed from my account and any associated fees or interest be waived. I have attached a copy of merchants communications for your reference. 
Thank you for your prompt attention in this matter regards, XXXX XXXX