davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Sigue Corp. (CA)

I purchased a Money Order from a local store that sells SIGUE money order on XX/XX/24. This money order was for my car payment of {$490.00}. I mailed it to my car payments bank. A week later or so, USPS sends back the money order all torn in half with half of the money order missing. So I went back to where i purchased it and they refused to refund me. They told me to contact SIGUE directly, which i did. I mailed a complaint yo SIGUE and i heard from them a month later and told me they can not refund me because they stopped selling money orders. They told me to contact my state banking commission. But I want my hard worked money back.
Consumer complaint received 2023-08-25
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: EQUIFAX, INC. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

i lost XXXX dollars total bank America let someone change my account info on line and put XXXX XXXX and gift cards on my account..i was getting XXXX dog at that time I have XXXX XXXX a XXXX XXXX i got notice on email. i called and said no they apologized and didi it any way. my email was changed and i had no idea so i could not get online and see what was going on my phone got hacked could not get text messages still is that has been for going on 4 years fbi DA state representatives At the time mayor XXXX and and local and state police did and continue to do notiing i get death threats been through 2 XXXX XXXX 9 XXXX  have 2 XXXX that firmware was eaten and have a forensic computer company that still trying to help me. this started on XX/XX/2019 till today been through 101 emails addresses 10 credit cards. my tv is hacked and my car. they steal my mail. i actually XXXX XXXX had a XXXX had no phone for help was found two days later on the floor my XXXX XXXX XXXX  in hospital 2 months.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Blackhawk Network Holdings Inc. (NY)

I am in possession of a {$25.00} XXXX XXXX XXXX XXXX. The Gift Card ends with " XXXX XXXX '' and says " Valid Thru XX/XX/30 ''. On the rear, it says " non-reloadable '', and " Distributed and Serviced by XXXX XXXX XXXX  XXXX XXXX '' This card has, apparently, {$0.00} or more left on it and I am unable to use it on XXXX and am told to contact the card issuer. However, I am patient of severe jaw joint degradation and can preferably only voice on the matter by typing it out. Therefore it appears I need a check of {$0.00}.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: DIGITAL FEDERAL CREDIT UNION (MO)

I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my creditworthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. $ 1681b ( Permissible Purpose ).
Consumer complaint received 2024-01-24
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: EQUIFAX, INC. (PA)

I reviewed a copy of my credit report and I noticed there were some fraudulent inquiries listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. 

Here are a few inquires that I found on my credit report : XXXX. XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2024-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (VA)

There is a {$77.00} dollar collection on all XXXX  credit bureaus and I have no idea what it is from, who sent it, or anything. 
They did the even put any kind of info as to who they are or anything else.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was XXXX  from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX. Upon my XXXX, I assumed I was coming out my money in my bank account that I had in it upon XXXX, upwards to {$24000.00}. Unfortunately, when I went to the bank to obtain my funds, I was informed that all the money had been transferred, withdrawn from my bank account, and forced CLOSED, due to a fake check that was deposited after all the funds were taken out by an individual that I dont know, personally, by the name of XXXX XXXX XXXX When XXXX XXXXXXXX  came to my apartment they XXXX XXXX XXXX XXXX XXXX it damaged and not fixed, witch I believe was the only way this person was to obtain my information and get into my account. The online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address, telephone number, and email for the checking account were changed from my personal information phone number And address And email all now were changed to that associate with this XXXX XXXX individual. When I contacted Bank of America they sent out a packet to what I believed to be my address, and then upon non-receival realized that my address had been changed to hers so she received the fraud instructions. When I contacted Bank of America they sent a packet out to what I believe to be my address, and then upon non-receivable realized that my address had been changed to hers, so she received the fraud instructions via USPS mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address was saved under that account.This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address was saved under that account. I have proof of everything that i was XXXX between the dates listed above and now i am in a terrible financial crisis and struggling at this moment, and still not able to open a bank account at the age of XXXX. I was told by a friend to file a CFPB complaint that this would help with my situation. I did file one 6 months ago and never got a responds. Bank of America called me 1 time, and told me that I would be receiving something in the mail. I never received anything and I have called every week to this date XX/XX/XXXX and still havent got an answer back. Please, I need someone to help clear my name and help me with this situation. Thank you so much I really hope to hear back soon. 
XXXX XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-01-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (MA)

I made a purchase with my Venmo Credit Card ( Synchony bank ) on XX/XX/ for a hot tub/spa from a company called XXXX out of New Jersey with a home office in the XXXX. The purchase price was {$590.00} and the promised delivery was 3-5 business days within the continental USA which I do reside. After a few weeks of checking up on the shipping only to get false shipping numbers, I contacted the company to request cancellation of the order and a full refund. As the product had not yet shipped they agreed to refund the full {$590.00}, they provided documentation to show $ refunded however this money never showed up in my Venmo credit account, Venmo account PayPal credit or PayPal account. The result of Venmo/Synchony banks investigation was that the company never replied and since 1year had now passed thats all they could do and my complaint was considered closed. I easily made contact with XXXX customer service who provided a document with a transaction number showing the money was refunded. As XXXX position is that the money left their account into Venmo/PayPal/Synchony banks account that I would need to recover the money from them. My second attempt to provide this information to Venmo just triggered another complaint/investigation. Im sending them all documents, screenshots etc. to both email, and XXXX XXXX to ensure they receive it. I dont know where the money went but Venmo/PayPal/Synchony together and separately can only confirm what I already knowthat its not in my account. Im sure an audit of their books would show a payment from XXXX for {$590.00} but no customer that was provided that refund.
Consumer complaint received 2024-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XX/XX/year>, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, TransUnion deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I called TransUnion customer service number and spoke to a representative who told me they could not assist me and that the dispute results were final.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Unauthorized hard inquiries were made on my Equifax, XXXX, and XXXX credit reports without my knowledge and consent. 

XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXF XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (SC)

On XX/XX/year> I call Venmo with problems about logging into my account. they told me to upload a picture government issued id, so I uploaded the id after that the very next day they froze my account with {$1200.00} of my money they said that I violated the policy by uploading my id I have {$1200.00} and they wont allow me to access It
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)

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. 

Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I owned a home at XXXX XXXX XXXX XXXX XXXX Wa XXXX from XXXX - XXXX and the loan was with XXXX XXXXXXXX XXXX. They put me on an illegal loan, interest only payments, and there was a huge class action lawsuit against them that I was a part of. We won hundreds of millions of dollars but I never recieved a XXXX from it. Since XXXX or so ive I tried contacting XXXX, and the attorney for the case but got no responses. XXXX was bought out by Bank of America after the lawsuit and they never returned my messages either. What recourse do I have to get my money?
Consumer complaint received 2024-08-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Complete Credit Solutions, Inc. (NM)

Company had a third-party attorney threaten to sue me in court and garnish wages, and would not provide any information about this debt, but wanted me to provide my personal information first. I was not able to get any information to even validate who actual owns this debt that is reporting this to all three credit agencies. 

I was told they wanted more personal information in order to provide me any information regarding the debt allegedly owed by me, but since they refuse and did not provide any information to me, I demanded this to be removed from all three credit reports immediately, since they can not prove it was actually my debt. 

I was hung up on and not given any information and its still on all three credit reports
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2023, I filed a dispute about reporting on my XXXX account. Experian did not properly review the disputed account or provide documentation or a report related to the results of the dispute. This is having a negative impact on my credit because the information is not accurate.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I have an account on my credit from PROCOLLECT # XXXX in the amount of {$130.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.
Consumer complaint received 2024-07-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC (DE)

i have a solar system on my roof an a contract, that can not tell me or the IRS what is the cost of the solar system or the cost of the roof to get credit this contract between XXXX XXXX and Goodleap LLC have a lot question and no answer? XXXX XXXX was pay? and i have a contract and documents full of hole?
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

On XX/XX/year>, I first tried to initiate an online transfer from my Discover Bank checking account to an external one. But eventually the transfer request failed to be processed with a message saying " We're unable to complete your request ''. After then, despite numerous attempts and seeking assistance from Discover Banks customer service, the problem remained unresolved, causing me significant inconvenience and financial distress.
Consumer complaint received 2023-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SC)

On XXXX I requested debt validation from Caine & Weiner debt collector refused to validate this debt on my credit profile when I asked the debt collector for the contract where I signed for the debt they stated they did not have those documents I have also disputed the debt with the credit bureaus but the account remains 15 U.S Code S 1692 g states that a debt must be validated 30 days as this time has passed and my rights are being violated as a citizen