davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Credit Karma (MA)

I opened a credit karma spend account through XXXX XXXX as a way to get my tax refund quickly. I had about {$700.00} left in the account when on XX/XX/XXXX I noticed a " XXXX XXXX '' transaction alert come through the credit karma app. It appeared my account was hacked so I froze my card, called and immediately changed my password. I received my new card and still ( as of today XX/XX/24 ) have not activated it. The XX/XX/XXXX amount was for {$89.00}. I put in to dispute it and thought everything was fine. On XX/XX/XXXX there was an attempt to transfer {$5000.00} from my bank account to the credit karma card, which was declined by my bank. On XX/XX/XXXX there were three fraudulant transactions- a XXXX XXXX transfer for {$190.00}, another XXXX XXXX transfer for {$280.00} and a XXXX XXXX XXXX XXXX for {$100.00}. On XX/XX/XXXX I called credit karma and asked to file a dispute and spoke with a representative. I couldn't figure out how money was being transferred as the new card had not been activated. It wasn't until we got into the conversation that I realized that the MOBILE CARD hadn't been changed and it appeared whoever had hacked my account still had access to it. I also asked to unlink my bank account at that time as I couldn't have a potential threat to my actual bank account. The representative assured me it would be taken care of and helped me through the dispute process. On XX/XX/XXXX I received a notice that all of my disputes were denied and that " no error occurred. '' This is not the case as the mobile card should have been changed when I Called in the first time stating my account was compromised. How can I dispute this further?
Consumer complaint received 2023-12-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services (CA)

Account number XXXX Im writing regarding my mercedes account that displays online that i can not make the payment online i contacted them multiple times i emailed them to open the account to i can pay for my car. They gave me number of their fraud department that i tried to reach 11 times but no luck on XX/XX/XXXX i have a payment to make and they didnt send me paper bill and not letting me to pay the payment online either
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND NOTICED XXXX  XXXX REPORTING INACCURATE LATE PAYMENTS/ PAYMENT HISTORY TO MY XXXX, XX/XX/24, XX/XX/24. I HAVE NEVER BEEN LATE. 
I CONTACTED XXXX  XXXX AND THE CREDIT REPORTING AGENCIES REQUESTING VALID PROOF INCLUDING TRANSACTIONS OF ME BEING LATE. XXXX XXXX AND THE CREDIT REPORTING AGENCIES FAILED TO FURNISH ANY VALID PROOF OF ME BEING LATE. 

INACCURATE LATE PAYMENTS BEING FURNISHED DUE TO COMPUTATION AND NOT BEING CORRECTED IS IN VIOLATION OF 15 USC 1666B ACCORDING TO 15 USC 1681 ( 2 ) AI EXCLUSIONS- A CONSUMERS EXPERIENCES AND TRANSACTIONS CAN NOT BE FURNISHED TO THE CONSUMERS PROFILE. 

IM AWARE OF XXXX  XXXX FURNISHING INNACURATE INFORMATION TO CONSUMER 'S PROFILE THAT HAS RESULTED IN LEGAL ACTION. AFTER RESEARCH I HAVE BEEN AFFECTED BY THIS COMPANY 'S BAD PRACTICES.
Consumer complaint received 2024-08-26
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. (GA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-19
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. (GA)

I have reviewed my credit report and I see several issues.. it's reporting open and reporting a balance. and also it's fraudulent. I am a XXXX vet that's trying to obtain credit. im not sure if they got it mixed up with my twin our info is very similar. social security is only one number different. not sure what happen. but I never received proof that this is accurate or the original contract from this company
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-10-10
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (CT)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2018-04-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

My husband used my name to send money to my cousin through Money Gram, but money gram block it. this the control numbers XXXX and it is XXXX dollar. Either the transaction go through or refund the money back to our back account.
Consumer complaint received 2022-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

EXPERIAN REFUSES TO INVESTIGATE MY PUBLIC RECORD XXXX XXXX AND XXXX HAVE NO RECORDS OF ME EVER HAVING A COURT FILED XXXX XXXX THIS FILING WAS MADE IN ERROR AND WITHDRAWN CASE NUMBER XXXX
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (TX)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments. I did not incur any late fees, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Consumer complaint received 2024-04-19
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. (NJ)

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureaus are not reporting this fraudulent information.
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (FL)

I ORDERED A FUNDS TRANSFER ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ) ON XXXX XXXX RECEIVED THE FUNDS FROM OUR XXXX XXXX  CHECKING ACCOUNT, BUT THE RECIPIENT STILL HAD NOT RECEIVED THE MONEY. I CALLED TO FIND OUT WHY. THE XXXX XXXX GAVE ME AN APOLOGY AND A WORD SALAD EXPLANATION THAT MADE NO SENSE. SHE SEEMED TO SAY XXXX ( PAYPAL!!! ) ISN'T CONNECT TO BANKS. I EXPLAINED THAT IF THE MONEY WAS OUT OF OUR ACCOUNT THEN IT IS IN XXXX 'S ACCOUNT! THE MONEY DOESN'T FLOAT AROUND IN CYBERSPACE FOR SEVERAL DAY - IT LEAVES XXXX ACCOUNT AND GOES TO ANOTHER. SO NOW THEY WILL SIT ON MY FUNDS UNTIL XX/XX/year> - AN ENTIRE WEEK 'S USE OF CUSTOMER FUNDS. IT SEEMS PRETTY CLEAR THAT THEIR PATTERN AND PRACTICE OF BUSINESS IS TO MAKE MONEY ( EARNING INTEREST ) OFF OF CUSTOMER FUNDS WITH UNREASONABLE DISBURSEMENT DELAYS. NO OTHER MONEY EXCHANGE DOES THIS! HERE IS THE EXPLANATION I RECEIVED FROM THEM BY EMAIL : Dear XXXX XXXX, Thank you so much for contacting us. We reviewed your concern regarding the completion time of your transaction. In some cases, XXXX must wait for payment processing to complete from your payment source before sending the money to your recipient. This typically takes between XXXX to XXXX business days, but the funds will be delivered by the stated date available, as listed on your receipt. We sincerely apologize for any inconvenience this may have caused. 

This claim has been denied and the case is now closed. If you'd like to request a copy of the documents that we relied on in making this decision, please contact us. You can also mail your request to : XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX In your request, include your name, the email address on your XXXX account, and the Case or Transaction Number provided. 

Sincerely, XXXX Customer Service
Consumer complaint received 2024-04-19
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-09
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. (LA)

The bureaus violated the FCRA and have not removed the fraudulently accounts FCRA 605B ( 15 U.S.C. 1681c-2 ) a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days They received a police report, a theft affidavit and supporting documents to identify myself.
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Shellpoint Partners, LLC (TX)

On before XX/XX/year> my house was foreclosed on by Shellpoint Mortgage Servicing. Which was illegal I have asked Shellpoint Mortgage servicing to show me the notes and endorsement which they can't do so because chain of title has been broken also they can't prove my home was seecutrized and foreclosure was illegal per ucc XXXX ( XXXX ) bank must prove the note
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-10-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Between XXXX and XXXX of this year, I identified an unauthorized charge of {$1200.00} on my Macy 's account. Despite reporting the issue to Macy 's customer service, the subsequent investigation concluded that there was insufficient evidence to support my claim, holding me responsible for the charge linked to the used name " XXXX XXXX. '' I have changed my name since XXXX  and I have never used the Macy 's card or visited a cigarette store nor smoked. All the transaction from that period of time I do not recognize. I would appreciate your assistance in relaying this summary to Macy 's for their attention and resolution of this dispute.
Consumer complaint received 2023-12-15
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. (DE)

I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (IL)

In XXXX of this I was giving a Vanilla Visa Gift Card for {$250.00}, In XXXX of this year I place an order for {$210.00}. The order was not processed so on XX/XX/2021, I log in to check my balance and found a fraudulent XXXX change for {$32.00} on my card. I called the phone number I found online for Vanilla Visa Gift card ( XXXX ) and filed a disputed ticket case id # XXXX. I received a dispute packet, filled out the 2 forms and sent them back to XXXX as requested on XX/XX/2021 at XXXX XXXX. I received another email a week later asking for the same forms again, which I sent that day. This morning I called the phone number to find out the status and was told it could take up to 90 days for an answer. So, I ask what about my {$210.00} and was told I could get a check for the remainder in 7 to 10 days, but I forfeit the reminding {$32.00} if this put when my way.
Consumer complaint received 2024-08-25
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)

This account was opened on the following deta : XX/XX/XXXX there are no on time payment from XX/XX/XXXX to XX/XX/XXXX. This is inaccurate payment history reporting. I should have active payment XX/XX/XXXX to XX/XX/XXXX this inaccurate obtain credit transunion failed to investigate this account properly after I repeated ask to have the accound update your neglect has once again violated my consumer rights. I am demanding a delete of the following account : 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  - TRANSUNION By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX payments for those accounts.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have consistently maintained XXXX payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my XXXX  payments for those accounts.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (GA)

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (NY)

Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account Number : 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
Consumer complaint received 2023-06-02
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. (MA)

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.