davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (CT)

On XX/XX/XXXX, a transaction was made with REMITLY money transfer ( ref # XXXX ) to transfer $ XXXX to my account XXXX XXXX XXXX XX/XX/XXXXXXXX Acct XXXX XXXX. XXXX sent a confirmation stating that the money will be deposited by XX/XX/XXXX Appendix 1. 

On XX/XX/XXXX, REMITLY sent an email confirming the amount was transferred toXX/XX/XXXXXXXX. Appendix 2. 

I did not receive the funds on XX/XX/XXXX and still waiting for the funds to appear into my account. Appendix 3 ) My sister in-law ( the sender ) contacted REMITLY on XX/XX/XXXX reporting an issue, REMITLY opened a case and and requested my bank statement to demonstrate the funds have not been received. The bank statement was provided as proof that funds have not been received on XX/XX/XXXX. 

XXXX sent another email on XX/XX/XXXX with the reference number XXXX stating the money has been transferred and received. I check my XX/XX/XXXXXXXX account and the money has not been received. 

Checked for reviews and found REMITLY has been a repeat offender,XX/XX/XXXX website is filled with consumer complaints on REMITLY. Need your help in resolving this issue and more importantly holding REMITLY responsible for the actions. 

Find attached the reference documentation. 

I can be reached at XXXX for more details.
Consumer complaint received 2023-06-15
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 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
Consumer complaint received 2023-12-28
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. (FL)

IN ACCORDANCET WITH THE FAIR CREDITREPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS UNDER 15 USC 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNTUNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.MYXXXX XXXX XXXX  XXXX ACCOUNT IS REPORTING MULTIPLETIMEPLEASE REMOVE
Consumer complaint received 2023-11-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST PORTFOLIO SERVICING INC (FL)

Upon reviewing my XXXX consumer credit profile, I noticed a pre approved credit card offer. I took advantage and submitted an application only to be denied. That is false and misleading practices as well as denying a consumer access to their own credit. My application was submitted in good faith and under the impression that I was pre approved. It is my right to be extended credit and not to be discriminated against in any way in accordance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 

My SOCIAL SECURITY NUMBER was provided which means there is a consumer credit transaction because there is a consumer involved. Denying me access to my securities is securities fraud.
Consumer complaint received 2023-11-03
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. (AL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. 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 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 : {$670.00}.
Consumer complaint received 2024-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 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 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (GA)

On XX/XX/XXXX  my car was to be delivered by Carvana. I received an email stating the deadline timed out. This is the second time within a two week period Carvan has misled me. Carvana has violated as well as wasted time energy and my Money. I also purchased insurance for one vehicle and did not get the vehicle. 
Violations by Carvana 15 U.S. Code 1692e - False or misleading representations.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (VA)

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the XXXX XXXX XXXX XXXX and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from XXXX at XXXX XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by XXXX XXXX regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX  from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Consumer complaint received 2023-09-27
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. (MO)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$3300.00}.
Consumer complaint received 2023-09-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MO)

Deposits payroll checks savings of US bank. 1 month after receiving and it bounced. Took 30 days more redeposits paycheck protection acts did not protect accounts. Instead forced closed military accounts. XXXX XXXX has stated they paid wait time bouncing and checks. Really if so none be forced closed.
Consumer complaint received 2023-11-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (CA)

Paid off the loan ( Purchase of New Vehicle ) back in XXXX, XXXX. 

Waited for the tile but not received yet. 

Called the Customer Service to find out the issue of not releasing the title. 

They claimed they sent the mail but not received. 

One of the customers service rep. provided the paperwork to obtain the replacement title at DMV. 

Upon receipt, visited DMV but could not obtain the replacement title due to additional documents needed from Honda. 

Called the customer service again, and the person was able to look up for the detail. 

Apparently, title indicates XXXX XXXX instead of Honda Finance ( purchase ) and they had to open up the case to resolve this matter internally and report to California DMV. 

Asked to escalate this matter within, even asked for supervisor ( or higher ups ) to speak with but no luck as they seemed not care and told to just wait. 

It has been 3 months since, no response from Honda nor any progression feedback from Honda. 

It is very frustrating for not having the tile for six months that paid off fully new purchased vehicle, and not receiving official letters of its progression at all. 

Without the title, can not sell this vehicle or transfer names.
Consumer complaint received 2023-12-28
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. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2023-06-15
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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-04-24
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. (TX)

To whom it may concern, There is information on my consumer credit report that is a result of identity theft. 

I didn't provide written permission or instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 

My request to block is not being made in error : or is my request to block being made on the basis of a material or misrepresentation of fact by me relevant to the request to block the information related to any transaction by me the consumer. 

Please remove the following accounts/Inquiries listed in the FTC report . For convenience sake I have included proof of my identity.
Consumer complaint received 2019-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I have a Huntington checking account ending in XXXX. The account is tied to my credit card that is also with Huntington.

If my checking account has a negative balance, there is a " cash advance '' that takes place making my account go positive. My credit card has and had availability of {$180.00}. That could have easily paid for a {$16.00} payment and {$19.00} payment. However, they did not let this feature take the course for no apparent reason and I lost {$75.00} in two NSF fees.
Consumer complaint received 2023-09-06
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-04
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. (KS)

I checked my credit report and found that some of the data wereincorrect. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (FL)

I did a credit check using XXXX yesterday after I found out someone was attempting to fraudulently open a credit card in my name without my authorization, and when I did so I found that Credit Karma has being doing multiple soft inquires multiple times a month on a random basis for at least the last two years. According to XXXX there have been XXXX recent soft inquires which are done every few days. 
I have never subscribed to Credit Karmas service, nor does my Bank or my bank issued credit card XXXX XXXX  XXXX XXXX ) utilize Credit Karma, I do not have a loans nor has there been any reason for a credit check ; therefore, it is unclear why credit Karma would be doing a soft inquiry on my account and why there has a perpetual litany of checks. 
I have reported this issue to XXXX and the Federal Trade commission ( IdentityTheft.gov ) because its unclear if this represents a Credit Karma security breach or exactly what is going on because there is no method to contact a human at credit karma via phone and they fail to answer emails ( sent emails to XXXX, XXXX, XXXX, XXXX, and through website via XXXX even though I am not a member ) Below is a list of the most recent soft inquires Credit Karma has performed : CREDIT KARMA Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit Karma XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I would like these soft inquiries to stop
Consumer complaint received 2024-04-24
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. (CA)

This is my 3rd or 4th attempt to dispute these two items on my credit report. They are not my accounts, they do not belong to me. I have no knowledge of opening these accounts, and I do not have any legal binding contract with this company. I have asked for verification to show that this account belongs to me and I have not received it yet. TransUnion stated that the account was verified and reporting accurate which was not true. I disagree with these accounts listed below which is still showing and reporting inaccurate information on my credit report, even after re investigation. I used my consumer rights and ask to show me what method they used to verify these account and the names and address of the people used to verify these account and Trans Union have yet to respond with my requested information. They keep say verified but cant show me how or why. These accounts do not belong to me, I have filed a identity theft report as well stating these accounts are not mine and I may have been a victim of identify theft .These inaccuracies are highly affecting my credit score 1. XXXX XXXX XXXX Account # XXXX for the amount of {$810.00}. 2. XXXX XXXX XXXX Account # XXXX for the amount of {$1300.00}. Please delete these inaccurate accounts from my credit report, these are also fraudulent accounts that does not belong to me.
Consumer complaint received 2023-05-13
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. (TX)

Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.