davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

On XX/XX/XXXX I made an online money transfer through Money Gram to XXXX XXXX. I sent the amount of {$2000.00} plus {$1.00} fee to the receiver. The amount was withdrawn from my bank account. Later on I was notified by Money Gram that the bank in XXXX XXXX had rejected the transaction and to contact them ( Money Gram ) to start the process of a refund, which would be refunded to the same bank account I had used. Once I contacted Money Gram, the agent said the refund had been issued and to wait 10 days for it to appear on my bank account. I gave it a couple of extra days for the refund to show on my statement but it never did, which prompted me to contact Money Gram once again to ask about the refund. The agent told me the refund had been completed and they couldn't do more for me. Instead, the agent said to get in contact with my bank because the bank needed to release the refund to the bank account. I then got in contact with my bank and they started a claim. The bank gave me a temporary credit on XX/XX/XXXX for the amount of {$2000.00} while they worked on the claim. Bank did two claims but Money Gram did not pay the refund and my bank was forced to remove the temporary credit on XX/XX/XXXX. I have since then called Money Gram on multiple occasions but I get the same answer every single time, that it's now up to the bank to release the refund. I have asked Money Gram for proof stating the refund was completed but they refuse to do so, stating that they don't access. I get transferred from " manager '' to manager who proceed to give the same answer and for some weird reason they can't provide me any proof of the refund. As of today, I have not received anything. The bank did what they could but the money has not shown up on my bank account.
Consumer complaint received 2024-07-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (MI)

I many times offered to transfer property Deed for the property located at XXXX XXXX XXXX XXXX Michigan XXXX to ANY alleged " Creditor '' in exchange of my original documents - original Promissory Note, original Mortgage, original Assignments [ if any ] and for release of all liens signed by an authorized employee of the Creditor without any responses or avail from the Creditor. This is my third demand via my third CFPB complaint to provide me a personal meeting with an authorized employee of the Creditor to transfer property Deed in exchange of my original documents and wet-ink signed releases of all liens.
Consumer complaint received 2024-01-10
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-10
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 2024-01-10
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-01
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. (LA)

I accordance with the Fair Credit reporting act, the following accounts listed below 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. 

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 2023-01-01
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. (CA)

In accordance with the fair credit reporting act XXXX  XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-03
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. (OK)

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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

1. The following accounts do not belong to me they are fraud. I am a victim of identity theft my info was on the dark web and other breaches. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them. 

Delete these fraudulent items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and illegal inquiries listed on the FTC I have provided.
Consumer complaint received 2024-01-09
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. (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. 

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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

Nissan infinity financial services is reporting an account that is open on my credit report that needs to be closed this account was included in the XXXX  XXXX bankruptcy whenever I call and spoke to a representative on the telephone the representative advised me that there is account that is open also my attorney has a called 3 way and they did the same thing we're going to take legal actions against Nissan financial and infiniti finance
Consumer complaint received 2024-01-09
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)

I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts to rectify the delayed opening of my account with Credit Bureaus. I have made several efforts to resolve this matter, but unfortunately, the issue remains unresolved. 

I initiated the process of opening an account with your institution. However, despite my timely submission of all required documentation and compliance with the stipulated procedures, the account opening process has been significantly delayed. 

Subsequently, I have contacted your customer service department on multiple occasions, providing the necessary information and documentation as requested. Despite these efforts, the issue persists, and my account remains unopened. The lack of responsiveness and failure to address this matter in a timely manner are causing me undue inconvenience and frustration. 

I have attached a comprehensive timeline of my interactions with your institution, including reference numbers and details of each attempt made to resolve this matter. I urge you to review this information thoroughly and take immediate action to expedite the opening of my account. 

I understand that unforeseen challenges may arise in the account opening process. However, the repeated failures to rectify the situation and the lack of communication have left me deeply dissatisfied with the level of service provided. 

As a valued customer seeking to establish a relationship with your institution, I expected a smoother and more efficient account opening process. I trust that you will address this matter promptly and provide a resolution to ensure a positive customer experience. 

If my concerns are not addressed within the specified timeframe from the date of this letter, I will be compelled to escalate this matter to relevant regulatory authorities and consider alternative options for my banking needs. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was charged a {$39.00} membership fee in XX/XX/XXXX. And {$39.00} membership fee in XX/XX/XXXX. I was told in both occasions I would be able to upgrade card to a non membership fee card. This has never happened. I'm now forced to close the account and lose credit age and also available credit. Card companies should not be able to lie customers and I was lied too.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion consumer reporting agency sent me a letter stating that they need more proof of my personal information to verify my claim. 

I am not the one needing to verify who I am, this is a delay tactic. 

TransUnion is to remove inaccurate reporting of my information. Reporting my personal usage, balances, delinquency, and or collection status is unfair practicing and illegal according to 15 USC 1681 section 602 A and 15 USC 1681 Section 604 A section 2 and A1. They are reporting on what congress defines as transactions and experiences which is not prohibited. Under 1681 N civil liability will hold them accountable for damages, denials of credit or rejections due to inaccurate, unlawful reporting. 

File numbers are XXXX and XXXX. 

XXXX and delete immediately
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (FL)

Barclaycard closed my account without notification or reason on XX/XX/XXXX. I had a XXXX balance and have been a customer of this bank for many years. 

When I called customer service I was transferred to a call center in the XXXX and no one could tell me why the card was closed. No letter was mailed nor did I receive any type of phone call. 

Closing accounts like this impacts credit scores ( sometimes negatively ). I find this be be an extremely poor and customer unfriendly business practice.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

On the XXXX of XXXX, XXXX in the evening, I deposited 6 checks into my Citizens bank account at the Citizens Bank ATM in XXXX XXXX, XXXX. Massachusetts. 

I deposited 1 similar check also that evening into my Citizens Bank Business Account. 
The checks were all put on hold but after the next day, the check i deposited in my Business Account was cleared, while the 6 checks in my personal Account was still on hold..after a week, I called the check owners to confirm if the checks have been cleared from their respective bank of which they confirmed it has, but my bank kept mine on hold. I called Citizens bank and was told the money will be available for use on the XXXX of XXXX, XXXX. 
I went into the bank on the XXXX of XXXX and was told that my money has been out on hold until the XXXX of XXXX, XXXX. 

I have never heard check be put on hold for 5 months. I called again and was told it will be released on the XXXX of XXXX. On the XXXX of XXXX, I asked to speak to the department which is the Fraud and Claims Department. They were so so rude, I have never encountered such rudeness in my life. She stated that they won't release the funds to me. That there is inconsistency in the checks..then I asked her to either verify with the bank whose check was issued or just refund the owners of the checks so I can get cash instead... she hung up on me. I have explained to them that I have mortgage payments that are due and like wise car loans etc. 

This funds from the checks are mine ... .every one of us contributes monthly and gives the full amount to whom it's due... so there is nothing fraud about it ... they could have easily verified from the owners ... but 5 months I can't take ... it's so distressing emotionally especially when I know I have important bills coming up and children school fees. I need my funds or they refund the owners asap..and I can get my cash from them ... or I will sue for damages. 

Thank you much
Consumer complaint received 2024-04-03
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)

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 2024-01-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

When I Filled out my Security Interest as an Investor I was met with resistance from the Computer algorithm. Under the Securities exchange Act of 1934 any consumer contracting for Credits can not be denied their own since the Issuer of the Security ( apllication ) is the Consumer for Personal Family and ( or ) household goods and Services. 

Know this Security as Issuer, Owner and Beneficiary have Federal Rights as the Consumer I am to be protected. 

From what I see is a XXXX tactic. 
XXXX Issuer the Security and Receive no Consideration or Compensation, thats a crime and can be reported to the Securities Exchange Commission for breach of the Securities Act 1934. Plus Civil Penalties under 15 USC 1681 ( n ) plus damages and injuries. 

15 USC 1681 : States you are not allowed to share my information except by written consent and you only have 30 days to send me n opt out letter the Privacy act of 1974 states those intentions very clearly.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have been contacting Equifax regarding my credit report.Previously I had several fraud accounts that has been resolved.Yet the Bureau erased many of my accounts.See my XXXX report.Those same account I marked on the side reports to all XXXX bureaus.Some odd reason Equifax removed my accounts and the creditor are trying to report them and cant... .I have tried numerous times resolving this issue and to no avail.Also when my credit bureau is pulled the creditors arent receiving the report.Its coming up empty no report.This has caued me irriatable harm over and over.I have not froze or asked for any freeze... Please have a supervisor over Consumer Affairs to call me.Everytime I ask for a supervisor the represenative stated he the highest supervisor ( representative namely XXXX ) I want a supervisor over Consumer Affairs. Everytime I attempt to do anything with XXXX.Im told to send my id and social.That a long process each time. Im giving 10 days this matter resolved ..... I have letters from creditors stating they reporting my accounts but they not appearing.I got letters showing my file is locked or frozen and cant be access.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report U S DEPT OF EDXXXX XXXX XXXX : {$200.00} US DEPARTMENT OF EDU XXXX Balance : {$200.00} US DEPT ED XXXX XXXX : {$200.00}
Consumer complaint received 2024-01-10
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX