davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).
Consumer complaint received 2020-11-25
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. (LA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2020-11-27
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. (FL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-11-24
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)

I am a victim of Identity Theft, I filed all the reports according to CFPB, Department of Consumer Affairs, the IRS and Police Departments. I sent the information to the Bureaus along with my ID, Credit and Police Reports, SS Card and other identifying information. I informed the Bureau of the Theft of Identify by mail and phone, I Disputed the Inquiries and requested they be removed immediately. I was impacted by the cyber breach and XXXX XXXX advised me some one was attempting to open an account & at XXXX they went into my checking acct. The Bureau has refused to delete information. I contacted the creditors and was advised, the Bureau is reporting the information NOT THEM, My job has become trying to block the thieves and fight the bureau to correct and update my information. To an end that now include my retaining an attorney. My occupation will not permit me to Freeze my account as Government and Private sectors must have access at any time. The Bureau has failed to safe guard my information and ignored all request.

Although soft inquiries may not impact my score, the point is I did not authorize the inquiries. Furthermore, I understand why the thieves are inquiring but not the reason for Equifax constant  inquiries on my file.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (FL)

I applied for a vehicule loan i was informed by the dealer that my credit would be shared with one credit company Unfortunately I never verified my credit score to realize that my credit was ran multiple time.
Consumer complaint received 2020-11-27
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)

1.When I check my credit report there was 2 late payment. 
In the case of XXXX XXXX XXXX, I never late over 6years. 
Actually, my mon XXXX XXXX because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.

But I found this late payment wasn't removed.

2.I found 1 late payment of XXXX account almost over 10 years ago.

In my opinion, any record over 7 years ago should be removed.

I paid off this account.

And these 2 accounts remain on my credit report as hard delinquency.

One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record.
Consumer complaint received 2024-08-24
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 writing to request the deletion of the following information from my file. The items I am requesting to be deleted are listed in the attached report. did not make the charges in question. 
I have reported and have enclosed copies of the Federal Trade Commission Identity Theft Affidavit for your reference. 
Please delete these items from my file as soon as possible. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-24
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXXXXXX - Balance {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AZ)

This matter occurred at Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. 
On XX/XX/2020 I attempted to withdraw {$1200.00} from an ATM within the branch.The money did not dispense.I called over a bank employee and told them what happened.They took me to another ATM and showed me that there was no transaction and assured me I didn't have to worry about the {$1200.00} as it was not dispensed.They directed me to use a different ATM which correctly dispensed the {$1200.00}. When I received my bank statement, it showed 2 x {$1200.00} withdrawals. I called Chase. They've conducted 3 investigations and continue to insist I received my money. I asked them to provide proof and to share camera footage. To me, the camera footage would clearly show that I did not get my money and that I reported the matter to a bank employee. They said they would only share camera footage if I file a police report. I tried to file a police report but the police department said this is not a criminal matter and would not take a report. I am at a loss as to how I can get my {$1200.00} back. The bank will not help me yet they have my money. It is unbelievable to me that a bank could do this to anyone.
Consumer complaint received 2020-11-24
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. (PA)

On XX/XX/2020, I disputed XXXX XXXX XXXX debt collection to Transunion credit bureau which resulted in deletion of XXXX XXXX XXXX debt from my credit report. However, Transunion failed to update and increase my credit score after error was deleted and removed.
Consumer complaint received 2024-08-23
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. (SC)

" Method of Verification Dispute Notice : Request to Reinvestigate & Delete Inaccurate personal infomation I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (GA)

I am XXXX XXXX my account was blocked on XX/XX/2020 and I have a balance of {$1300.00} with happen to be my rent money can I get my money back. Hence cant be allowed to use Cashapp anymore but I need my rent money back plz. My Cashapp they said is blocked but they dont want give my money back Account name : XXXX XXXX  Phone XXXX Email : XXXX XXXX
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

My information is was used for some sort of pet bill with XXXX XXXX XXXX that resulted in it going to Collections. I spoke with a representative regarding this account after I received a letter in the mail and called and told them I didn't recognize it she told me she would take care of it for me and apologized for the inconvenience it had caused me dealing with the idenity theft. Ive had an issue with false credit cards and inquiries on my credit that I was able to resolve with multiple issues other credit companies in the past, as well as a false XXXX account in my name with the XXXX XXXX XXXX XXXX which I can provide documentation for proving identity theft. I've attached a copy of my police report and a copy of my FTC  idenity theft report and my valid ID and social security card to verify my identity. I would like this resolved as it is a result of identity theft and it is dramatically impacting my credit and affecting my financial health in this pandemic.
Consumer complaint received 2020-11-25
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: ALLY FINANCIAL INC. (MA)

Ally 's customer service is terrible. In XX/XX/XXXX, I was charged with late fees because they started randomly charging me sales tax. After much miscommunication back and forth, I finally found out that I was charged because I moved to Massachusetts although I was fully charged for NJ sales tax when I purchased the vehicle. I never received communication from Ally to explain this change. My account has always been on automatic payments, so the total amount was being deducted but because the taxes weren't being deducted, it was reported to the credit bureau. I spent hours on the phone and was told this would be rectified and it never was. 

This year, I chose to defer payments for 90 days on the site due to Covid. I set this up in the month of XXXX. In XXXX, Ally reported my account past due 30 days. How is that possible?? 

Here are the payments I made : XX/XX/XXXX One-Time Payment Completed {$1200.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} XX/XX/XXXX One-Time Payment Completed {$650.00} Then on XX/XX/XXXX the payment showed completed. On XXXX XXXX the payment showed returned and my credit report was hit again! Why did it take so long to hit my bank?? Why didn't Ally make a simple call or send a text message. Why is the communication of this huge institution so awful. This is completely unacceptable!!! My credit report is terrible all because of Ally!!!! I am totally disgusted. The reps are not helpful at all.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX  debit card with Bank of America seems that was compromised. I never lost or have let anyone used my card. I used a Bank of America ATM machine on XX/XX/2020 and on XX/XX/2020 when I tried to withdrawal more cash I just couldn't get any cash. Immediately contacted them and open a claim for investigation. They told me to freeze my account because I didn't want anyone to take the only money left and for them to send me a new one. I destroyed my old card waiting for the new one and for them to resolve my situation. All I got was a letter stating that my money won't be refunded because of suspicious activities of fraud. That is ridiculous and offensive because If they check their cameras and their ATM machines systems, they will find out that my card was never used to withdrawal any money. I lost almost all my XXXX savings {$4900.00} dollars. No one helps me on the phone nor the bank. Because they claimed that bank of America is just an intermediary. I don't work, have no money or card and no hopes to get my money. I need help. I'm 100 % confident that it wasn't me or anyone taken my card. That is a lie.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently I had XXXX  dollars stolen from my bank of america account.there was two atm withdrawals of a XXXX dollars each on XX/XX/XXXX and XXXX that I did not do.i filed a claim with the bank and ordered a new card and was told to take out the rest of my money from their customer service representative.the bank closed my claim without investigating and is refusing to reinstate my money that was taken from their bank .I followed their instructions on how to handle the matter and now they are telling me that it was fraud and that my claim is dismissed without even following up with me.the bank is responsible of any unauthorized charges and I demand a refund.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (PR)

Dear Sirs : On XX/XX/2020, I purchased several items on XXXX for the amount of {$73.00}, using my Synchronic Bank credit card # XXXX XXXX XXXX XXXX. Since the items never arrived, I filed a complaint with the Bank requesting a credit for the total amount paid to XXXX ( {$73.00} ). As of today, XX/XX/2020, Synchronic Bank has NOT credited my account for the items never received. In view of Synchronic Bank 's refusal to credit my account, I contacted XXXX to request a refund of my money. XXXX also refused, claiming that this credit should be made by Synchronic Bank. It is very abusive on part of Synchronic Bank and XXXX that as of today, I DO NOT HAVE THE ITEMS FOR WHICH I PAY IN GOOD FAITH NOR THE CORRESPONDING CREDIT ON MY CREDIT CARD.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible XXXX XXXX XXXX XXXX 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 2024-08-24
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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.
Consumer complaint received 2020-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX I wanted to buy a nice meal for my family on XXXX  and contact this lady and she insists on using XXXX to pay her {$180.00} and said I am in front of the post office and will send you the tracking number for the shipment right away. I was hesitant but noticed it was available through WELLS FARGO WEBSITE, so I figured it must be a trusted app and that WELLS FARGO BANK would stand behind anything that is available right there in their WEBSITE! Right after I sent my payment, the seller stopped responding to me and would not answer any phone calls or texts, and the thanksgiving food as promised. 
I called well Fargo to stop the payment and refund me the money. they said we can not help you. As of the time of posting, WELLS FARGO BANK has not helped me get my money back. 
As I am reading now these are not isolated incidents. The banks are doing nothing to help victims of XXXX scams and seem to have no legal obligation to do so. Instead, theyre saying because the buyer authorized the transaction, theres nothing they can do to help recoup the stolen money. 
Scammers know people arent aware of this because XXXX is brand-new. They also know that people will choose to trust XXXX because its backed by their bank and because its a feature within their banks own website.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX 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 2020-11-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/2020 I submitted CFPB Complaint ID XXXX regarding the hold placed on my Paypal funds. On XX/XX/2020 XXXX XXXX from Executive Escalations at Paypal responded saying " We will make any remaining funds, less reversals, available to you for withdrawal on or before XX/XX/2020 ; and we will notify you of this via email. '' That date has now passed and I am unable to withdraw my funds, and no email has been sent to me indicating they are available for withdrawal.
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

Money was sent via online money transfer through MoneyGram ( Reference No. XXXX ) XX/XX/2020 XXXX CDT and it was supposed to take only few hours to 2 days maximum. The money has to been received by the receiver 25 days later and counting. 

I have contacted the Money gram 4 times already via phone and submitted online complaints ( Case # XXXX, XXXX # XXXX, XXXX # XXXX, happened. During last conversation a week ago they asked for receiver address, and dob which was provided but still no resolution. Only way I knew about the request for additional information is when I called -- no attempt were made by MoneyGram to contact me o the receiver despite having both of our phone and email information on file. 

Totally irresponsible.