davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX CRA 'S PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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
Consumer complaint received 2023-05-10
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/2023, I sent {$400.00} worth of money to my brother in XXXX for his school fees via Money-gram online mobile wallet service. After I received the reference number, I sent it to my brother via XXXX. When I checked in with him if he received the money he replied, No and he had not received it yet. I was a bit confused because it was suppose to be instantaneous. 

I decided to call Money-gram customer service. They told me, give it 24 hours and if my brother, the receiver did not get it by then, call them back. 24 hour came and gone and still no money was in his mobile wallet. I called Money-gram customer service again, this time they told me, there is nothing they can do but give it 90 days to get some resolution. 

I contacted my brother to tell him the disappointed news and he wrote back a message via XXXX saying that the money was received by some other person which seems to have the same number as him, weirdly, however, the person contacted him to let him know they wanted to make sure the money get in to the right hands but my brother has to get in touch with the sender company to get the money properly transferred in to the correct account. All of this communication between my brother and the other person was screen shotted and later used to sent to the companys email. 

I was glad to get his information from my brother and shared it with Money-gram team, however, when I contacted money-gram via phone call to speak with their customer service rep and told them the good news, the rep told me to email the screen shot conversation. I did exactly what she said. I called back the next day to verify they got the email but was told that I have to continue waiting the duration of the 90 days before they can get to the resolution of the problem. 


I was extremely disappointed to hear its going to take 90 days in order to get some answers as to what happened to the money so I kept on calling them every week and it has now reached over 45 days and their response has been the same. My brother still havent gotten the money and currently can not attend school until he received the money. He is missing out on his college education and we still have no answers, besides wait until 90 days. 

I refuse to wait the entire 90 days for them to continue to tell me the same message ( That my brother recieved the money ) which I know its not true. I am extremely frustrated, mad, and confused on what I can do to get my money back. I would like to take them to small claims court but I know I have to try this step first before that. Can you all please help me get my money back.
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (VA)

Responding a job offer email, I interviewed with XXXX XXXX ( XXXX ) and was sent a job offer for XXXX XXXX XXXX as a XXXX XXXX employee. They even created an ID Badge for me. XXXX said they were creating at home work in the USA for the XXXX based company XXXX XXXX. They sent a check for {$3800.00} to be used to purchase company equipment & software for XXXX position. Besides asking I purchase a printer, they began to request XXXX payments sent to a Vendor at XXXX and requested XXXX Gift cars be purchased to allow them to purchase to computer tools. Bank held the deposit until XX/XX/21 and then put it through. 2 days later, my bank flagged the check they sent for {$3800.00} as a return deposit item, and is going to remove it from my account despite having approved it for deposit after a 72 hour period. Bank will not assist in preventing the funds from being withdrawn.
Consumer complaint received 2023-05-10
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. (NV)

After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. 

XXXX, XXXX, AND TRANSUNION ARE reporting late payments on FOR 69 MONTHS- and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave XXXX, XXXX OR TRANSUNION written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to Transunion violated my consumer rights by allowing these late payments/utilization to report to my consumer report! 

UNDER ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) XXXX, XXXX AND TRANSUNION ARE NOT AFILIATED WITH XXXX XXXX XXXX 

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-05-09
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. (NC)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. How can you close my complaint and say that it was already processed it earlier. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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 # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2023-05-09
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MARINER FINANCE, LLC (TX)

Hello, I owe a debt and I went to a debt settlement company ( XXXX XXXX ) to settle my debt. I have repeatedly asked Mariner Finance to stop calling me at work because I will lose my job. I asked them to call the debt settlement company to rectify the debt. They told me that I had to have XXXX XXXX call them. All I want is for the phone calls to my work to stop before I get fired. Please help.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TN)

i got a loan of {$20000.00} from you all and {$19000.00} was taken out of my account.I tried to screenshot it to save but the history vanished from the account and the money was taken off without saying so in the transaction history.It was as if there was some glitch in the system.I need help with this problem immediately.My email is XXXX.I would like to be reimbursed immediately ill send my checking account and routing number immediately.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

An old address appears on my Experian Credit Report that does not appear on my XXXX, or XXXX. I have disputed the error numerous of times and Experian refuses to remove it because it identifies with a couple collections account that I also am disputing that aren't mine. I have filed complaints with CFPB about this matter in the past and Experian is still aren't cooperating to remove the accounts and address that isn't mine. From my research Experian is in the mist of an Class A Action Lawsuit because of the same thing that I am submitting an complaint about today.
Consumer complaint received 2023-05-10
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. (NY)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are several inquiries on my credit report that I did not authorize and are not familiar to me : XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
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. (SC)

My name is XXXX XXXX XXXX On Report The Name ( XXXX XXXX XXXX ) should be removed from report. Fraudulent Name Please Remove From Report In accordance with the Fair Credit Reporting act. 15 USC 1681 The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX  : Account XXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX  : Account XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX : Account XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  : Account XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX  : Account # XXXX The Following Inquiries I Dont Recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These Accounts Are Not Accurate And Have Been Reported Causing Me Many Issues. 

Please Correct And Investigate The Following Accounts Within The 15day Or Less Time Frame. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Please Remove According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than 1000. 

Thanks
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( s ) : LATE PAYMENT DAY : XXXX  Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX  provide , in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ). 
Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (LA)

I had paid XXXX XXXX their installments on time. In XX/XX/XXXX, I submitted a XXXX claim to XXXX XXXX XXXX XXXX regarding a XXXX which left me XXXX. However, I was denied because I was already on a permanent XXXX from years ago. XXXX XXXX has charged me a XXXX premium since XXXX. They were aware I was on XXXX at the time of the enrollment. Since they denied my claim, I requested that I receive a credit for 8 years of premiums charged for XXXX coverage. XXXX XXXX issued a credit for only 5 months of premiums. They did not issue a credit for the remaining XXXX years of premiums AND interest that was charged/accrued during those 8 years on that account. I requested a new statement so I may review so I may pay the balance, if any, off. XXXX XXXX did not send a revised statement showing the deductions for the unauthorized billing. However, XXXX XXXX sold this account to LVNV and Resurgent Capital Services. I have attached letters requesting that LVNV send me an itemized statement of the balance and a copy of the contract which proves the XXXX XXXX sold them this disputed debt. LVNV violated the FDCPA Rule 809, validating the debt of {$2000.00}. After several phone calls and email, I told LVNV to explain why they added over {$1200.00} to the debt which had not been adjusted for the unauthorized premiums and interest. LVNV did not reply. Instead, LVNV reported to the Credit Reporting Agencies that I was delinquent on the debt. LVNV was not authorized to report anything to the Credit Reporting Agencies since it was a third party who did not validate the amount of the debt and that the debt was sold to them. LVNV has damaged my credit score since XX/XX/XXXX when they started reporting I was delinquent on the unauthorized debt, violating the FCRA. They continue to ignore the disputes I have filed with XXXX XXXX XXXX XXXX. It has been reported to CFPB regarding these XXXX coverages sold by third parties to Customers which compensated the person selling the coverage. The person who took my application knew I did not qualify and processed the application anyway. LVNV is a predatory debt collector who is operating a business that has defrauded me and my credit report. XXXX XXXX has stated that the debt was no longer on their books and did not try to collect it.
Consumer complaint received 2023-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. ()

~ XX/XX/2022, Chase bank closed my checking account, due to what they said was inactivity ( I was logging into online banking once a month ). I reside in XXXX. 

When contacted, the bank indicated the account was being closed and the remaining balance would be mailed by check to me. I received a letter from the bank indicating the account was closing, however ; did not receive a check. Chase indicated a check was produced and therefore, a stop check declaration was required. I completed this form and both faxed it twice and mailed the original. I have confirmation from the mail service that it was received and signed for. Chase claim they have not received the declaration. 

On several occasions over the 6 months, customer service tell me they will run a new check and to call back in 3-5 business days. When I do, the check has not been processed and I'm told I need to provide a stop payment declaration. This process goes around and around.
Consumer complaint received 2022-01-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (FL)

Since the Navient settlement has been announced I have called to get information because I should qualify. I have a predatory Tuition Answer Loan that I have struggled for years to pay. I asked them if I would be apart of the cancellation settlement and they said they dont know. I asked so I still need to make payments since I am currently sick with XXXX and they said yes Ive used my XXXX  time. This is exactly how they have treated me and others over the years and Im sick of them. I need them to ensure my loans are a part of this cancellation Ive not been able to buy a home or get married because of these loans holding me back & now Im sick and cant pay and they dont want to help and they dont care. They just want to steal your money even knowing these loans were predatory. Please help.