davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MN)

I received a series of text messages notifying me of the use of my bank card throughout the United States while I was in Minnesota. Soon after, someone claiming to be from XXXX XXXX XXXX called me to inform me of the suspicious activity on my account and offered to help me set up a new account by transferring my money to a " safe '' account via Zelle. Unfortunately, I fell prey to the scam, transferring a total of {$2800.00} in XXXX separate transactions of {$2300.00} and {$500.00}. 

I have attempted to retrieve my money, as I have read that other victims of fraud have been successful in doing so. However, the process requires a payment ID, which I have been unable to obtain from XXXX XXXX  XXXX despite spending more than 8 hours trying. The Zelle website suggests calling XXXX XXXXXXXX XXXX 's customer service number, but I have found them to be equally unhelpful. 

It seems that XXXX XXXX  XXXX, which owns Zelle, will continue to hold onto my hard-earned money until I am able to take legal action.
Consumer complaint received 2024-02-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

I never did any business with Porfokio Recovery Accociates.I dont have a valid contract with this company! They dont have receipts or records of me applying for credit with company.I never paid a dollar to this company.
Consumer complaint received 2023-05-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

I have a mortgage through Newrez LLC which I obtained as a VA homeloan in XX/XX/XXXX. Newrez bought my mortgage from the previous servicer, XXXX XXXX XXXX, and started servicing my mortgage in XX/XX/XXXX. On XXXX XX/XX/XXXX, Newrez sent me a form letter, which I did not receive until XXXX XXXX, claiming they did not have a condominium policy on file and threatening to apply one to my account at my own expense. On XXXX XXXX, my condo property managers faxed the certificate of liability insurance ( CoLI ) for my condo building to the fax number provided on the form letter, which was for Newrezs Insurance Dept - PROCTOR LOAN PROTECTOR ; XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX ; Proctorlp.com. My condo property manager also provided me a copy of the XXXX, which I submitted myself to the online portal also listed in the form letter. I followed up with the Insurance Dept at Newrez the day after submitting the documents and told I needed to wait at least two additional business days before they were processed. On XXXX XXXX, I sent a message to Newrez using their websites contact us feature requesting confirmation that the XXXX had been processed. The only response I received was a generic letter saying additional information was being gathered about my inquiry. I called the Insurance Dept at Newrez on XXXX XXXX requesting confirmation that the XXXX had been processed. A proctor loan protector agent, XXXX XXXX, claimed that the XXXX had never been received. He provided an email address for me to submit the XXXX to, XXXX, and informed me a confirmation email would follow submittal. I submitted the CoLI to that email and I sent three follow up emails requesting confirmation to XXXX later that day on the XXXX, on the XXXX, and the XXXX, and received no responses. On XXXX XXXX, Newrez sent me another form letter threatening to add an insurance plan at my expense to my account. I received that letter on XXXX XXXX. On XXXX XXXX, I called Newrez Insurance Dept again and was told they never received the CoLI, this time by XXXX XXXX. XXXX provided the same email contact information as before, XXXX, and I submitted the XXXX again via email. XXXX told me I would receive a follow-up confirmation email within XXXX hours that the XXXX had been placed on my account. I never received that confirmation email despite sending reply requests for it to XXXX on XXXX XXXX. On XXXX XXXX I called the Newrez Insurance Dept again and was told the XXXX had been processed.
Consumer complaint received 2023-05-01
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. (CT)

CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Consumer complaint received 2024-05-01
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. (TX)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable a item that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurate. 

Credit Bureau is TransUnion the account is : XXXX XXXX XXXX I filed a dispute XXXX XXXX I asked for information proving the information was accurate I received no response they actually stated it was accurate
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to dispute the fraudulent accounts currently appearing on my credit report. Despite sending the required documentation to the Federal Trade Commission ( FTC ) as per your requirements, these accounts are still being reported on my credit report. I have contacted the companies associated with these accounts, and they have acknowledged the fraudulent nature of these accounts. They have assured me that the accounts will be removed. I have also provided the creditors with all necessary documentation to support my claim. Additionally, the credit bureaus XXXX and XXXX have already removed them so I expect you will do the same thing. 



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 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (CA)

I put in a dispute with Citibanks credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised Citibank that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from Citibank to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why Citibank can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (NY)

On XX/XX/2024, Wise closed both my business checking and personal checking accounts. I received a payment for about {$23000.00} this same day, most a few hours before my Wise account was closed. I contacted them for this money, and they say it was never received. However, the platform which sent me the payment indicates the money was sent to this account.
Consumer complaint received 2024-02-05
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Possible Financial Inc (CA)

I was approved for a loan ( {$110.00} - {$100.00} + fee {$17.00} ) I paid back within a weeks time {$100.00}, the following day the company withdrew 4 payments of XXXX. Which cause the account to be overdrawn and incurred overdraft fees. I wrote multiple emails to only be replied once with they would review in 2-4 days.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC. (MA)

XXXX I was charged for services that were never fulfilled which afterwards I contacted the merchant to receive a resolution where I was informed that a chargeback is against their policies. So I couldnt receive my money back from the merchant and every time I tried to dispute the charge, the merchant denied the dispute and claimed it was a case of friendly fraud to my card provider.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NH)

Sent a letter to the credit reporting agency on XX/XX/23. They notified me that they won't look into my disputes because I didn't send it, which is untrue. They are reporting information to an incorrect name on my credit profile, and anything attached to that name is to be removed.
Consumer complaint received 2023-08-01
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-01
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)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CBC Companies, Inc. (OH)

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( 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 instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kimball, Tirey & St. John LLP (CA)

Subject : Urgent Action Required : Unlawful Credit Reporting Violations - Reference to California FCRA and Identity Theft Laws Dear KIMBALLTIREY, I hope this message finds you well. I am reaching out to address a concerning matter related to the unauthorized reporting of information to my credit report, a clear violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as California identity theft laws, specifically Penal Code Section 530.5. 

It has recently come to my attention that KIMBALLTIREY has engaged in the unauthorized reporting of information to my credit report without obtaining my explicit consent. The FCRA explicitly outlines the consumer 's right to grant consent for such reporting activities under Section 1681b ( a ) ( 2 ), and it is imperative to adhere to these federal regulations. 

In addition to federal law, California state laws, especially Penal Code Section 530.5, highlight the serious nature of unauthorized access and misuse of personal information, emphasizing the need for explicit consent in credit reporting. 

I want to make it unequivocally clear that I have not provided consent for KIMBALLTIREY to report any information to my credit report. This lack of explicit permission constitutes a direct violation of my rights, with the potential to harm my creditworthiness and a blatant disregard for federal and state laws. 

I insist that KIMBALLTIREY immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Penal Code Section 530.5. Failure to comply within the specified 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including identity theft laws. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not open for negotiation ; it is a demand for compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I urge you to give immediate attention to this matter, and I expect that KIMBALLTIREY will promptly rectify these violations, respecting my rights under federal and state laws. 

Thank you for your prompt action in resolving this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I disputed a collection acct that was placed in my credit file on XXXX XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on XXXX XXXX XXXX XXXX  they told me I must pay the account for them to delete it. The original creditor XXXX cable owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait XXXX months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a XXXX store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited $ XXXX a payment that was not due to be paid, XXXX cleared XXXX bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with transunion via XXXX XXXX XXXX Transunion still has fraudulent debt listed in my file even though XXXX and XXXX deleted it, lowering my score from XXXX to XXXX currently, a violation of my credit rights, for listing innacurate information, I never owed this debt it was paid i. Full in XXXX They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.
Consumer complaint received 2024-02-05
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (VA)

I received a {$100.00} gift card from my company as a bonus on XX/XX/24 and I activated the card on XX/XX/24 about XXXX and I went to XXXX XXXX to use the card a couple of hours later and the card declined for a {$41.00} purchase. I called the customer service number on the back of the card, and they stated there was a {$100.00} purchase at XXXX XXXX on XX/XX/24. I let them know I have no clue as to where that is, and I had never used it until I went to the grocery store. They told me I have to call back after XX/XX/24 to file a dispute, so I called them today XX/XX/24 at XXXX am and they asked for my name, date of birth, mailing address and email address. They said I would receive a dispute packet via email within the next XXXX minutes It is now XXXX pm and have yet to receive an email. I have called them back and no answer. I have done my research on this card/company, and they have a class action claims filed on them from a consumer who has had the same issues among multiple other consumers. This company is a fraud and I want my money returned back to me and I want some type of legal/criminal action filed on them as well.
Consumer complaint received 2023-08-11
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)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant XXXX and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-05-01
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. (IA)

On XX/XX/XXXX I entered into the Biden Harris FRESH START INITIATIVE which put ALL of my student loans into CURRENT and Good Standing. I pulled all three of my credit reports yesterday on XX/XX/XXXX and see that TRANSUNION is showing TWO different or duplicate account from XXXX XXXX XXXX as being DELINQUENT and in DEFAULT for more than 120 days. Yet BOTH XXXX and XXXX show ABSOLUTELY NO INFO or an account PERIOD with XXXX as it was transferred over to COLLEGE ASSIST quite some time ago. In fact at the end of each XXXX  account statement from TRANSUNION it statesACCOUNT CLOSED DUE TO TRANSFER. 
So not only are my rights being violated under 15 US C 1681s-2 ( A ) ( 1 ) which states that any information relating to the consumer by a REPORTING AGENCY CAN NOT be INACCURATE, but my rights are ALSO being violated under the Biden Harris FRESH START INITIATIVE which states Under The Biden Fresh Start Initiative in accordance with the Education Department states ( 3 ) The negative mark of default on borrowers credit reports will be removed. 


( 5 ) Credit Reporting Changes.Starting in XX/XX/XXXX, defaulted loans held by XXXX are reported as current rather than in collections to credit bureaus. For loans held by a guaranty agency, this shift begins in XX/XX/XXXX.
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I purchased a XXXX XXXX XXXX and financed it through Credit Acceptance in XX/XX/XXXX. I was involved in a car accident XX/XX/XXXX in which the insurance adjuster reported my car was a total loss. After payments from XXXX and Credit Acceptance GAP insurance were made to Credit Acceptance, my file with Credit Acceptance reported a {$0.00} balance on XX/XX/XXXX. 
Three months later, Credit Acceptance contacted me to indicate I owed a balance for months I no longer had procession of the car as it had been paid off due to a car accident causing a total loss of the vehicle. They said I was still responsible for payments event though I no longer had the vehicle and the insurance had been paid out and I was not informed of this and was negatively reported on my credit. 
Because of this oversight, they have damaged my credit thus causing hardship as I continue to heal from this accident.
Consumer complaint received 2023-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OH)

Chime is once again holding on to their customer 's paychecks. I was supposed to get paid yesterday via direct deposit and no deposit has been added to my account. Upon looking on XXXX Chime hasn't given a lot of people their money that we all have worked hard for. I called Chime support and told them about not getting my money and they have given me no reason as to why my money isn't in my account. They are offering no solution either. The week before XXXX and they pull this. This is insane.