davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (FL)

On XX/XX/XXXX, I paid XXXX {$3300.00} plus fees to send {$3300.00} to my relatives who are XXXX XXXX  living in XXXX, to be paid out to my nephew, XXXX XXXX. When he arrived at his usual bank in XXXX XXXX XXXXXXXX to receive the money on XX/XX/XXXX, he was told that it had been received on XX/XX/XXXX. I filed a complaint with Moneygram and they opened an investigation - Case XXXX. On XXXX, they concluded that the money had indeed been picked up by XXXX. I requested that they send me copies of the signed receipt, the identity document, and photo or video of the individual receiving the remittance. They only sent me a receipt, signed by " XXXX. '' I replied that XXXX speakers always sign by surname only, so it should have read " XXXX '' and been in the XXXX alphabet. At the very least, it should have read " XXXX. '' I also translated parts of the receipt and discovered that the money was disbursed in a suburb of XXXX on the XXXX side, over XXXX miles by plane. I pointed out that this cash infusion was urgently needed since they were out of money for food and needed most of the money to renew their residency and family medical insurance in advance of an impending deadline, so XXXX certainly did not have money to travel to and from XXXX in one day. XXXX also does not speak XXXX so he lacks the ability to travel independently. Moneygram has not replied since then, nor have they supplied the rest of the evidence that they must have assembled in order to reach a conclusion on this case. This leads me to suspect that a Moneygram agent hacked into their system and obtained the transaction information and used it to receive the money himself or herself. Otherwise, Moneygram would have sent me the evidence by now.
Consumer complaint received 2023-10-11
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. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-08
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. (IL)

I am writing in relation to the response received on XX/XX/2023 concerning my dispute. The lack of detailed information in your summary is concerning and necessitates further elucidation.

Account Updates Detail : The vague term updated does not provide clarity. I request a detailed breakdown of all modifications made to the accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, pursuant to the Truth in Lending Act ( TILA ). 
Verification Documentation : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I request copies of all documentation used to verify the accuracy of the information reported by the aforementioned creditors, along with the name and contact information of the furnishers who verified the information. 
Receipt of Investigation Results : While awaiting the mailed copy of the Investigation Results, I urge XXXX to ensure the document encapsulates all necessary details, with clear delineation of all updates and modifications made to my credit file. 
The absence of transparency and detailed information in the summary is causing significant financial uncertainty and distress. I look forward to your thorough and detailed response within the stipulated XXXX period as outlined in the FCRA. 

Yours sincerely, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (AZ)

Hello, On the date of XX/XX/2023, I received a call from a XXXX XXXX from XXXX XXXX XXXX. He stated I had a debt that was from an overdraft fee from Wells Fargo from over 10 years ago which is an absolute lie because I closed my account with them with no outstanding balances. Wells Fargo actually sent me a check about a few years ago for unclaimed money that belonged to me. I tried to explain that to him and he eventually became more aggressive after I was telling him that this is an odd claim. He then tried cutting me off saying " Okay, I'll just take this as a refusal to pay '' and hung up on me. I called back to inquire for more information. He picked up surprisingly considering he was quite rude and aggressive. He then tried confirming my personal information that he had of mine and I unwittingly confirmed my social security number which is now giving me XXXX because I'm not sure if he was real or a scammer. He still sounded aggressive with me after I tried disputing the claim and before I could get any more questions in, he hung up on me again. I tried calling back and now he's not answering. Of course, right after the calls, I ended up doing research on these types of situations and come to find out he violated the law with how he conducted himself on the phone and there's other complaints online about this specific XXXX XXXX and XXXX XXXX XXXX. This has now become another unnecessary burden knowing this potential crook has my personal information.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-19
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: EQUIFAX, INC. (NV)

I Have contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Consumer complaint received 2021-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

Capital One handles the credit card processing for Menards. 

Until XX/XX/2021, our payment for the full amount of the credit card bill would be processed in 2 business days through our bank. 

Starting in XX/XX/2021, our payment now takes five full business days to process through to Capital One/Menards. This change means that the money leaves our account on XXXX XXXX but is not " received '' until XXXX XXXX, the due date for this coming month. 

I believe that the credit card company is making it as inconvenient as possible for us to pay directly from our bank so that we will use autopay through the credit card company, which would entail our giving them our bank routing and bank account number, adding a layer of additional risk to our banking account.
Consumer complaint received 2023-10-11
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV INC. (CA)

I receive my payroll from XXXX on a XXXX XXXX. On XXXX, my paycheck of approximately {$600.00} was deposited into my account and when I went to withdrawal the money to put into my personal bank account, it stated insufficient funds. I immediately contacted XXXX to notify them of what happened. They asked me several questions, such as how many cards were issued, answer 1, does anyone have access to my card, answer no, does anyone have my personal information, answer no, do I have the card in my possession, answer yes. XXXX said they would mailing me a Dispute form, which I was to complete and return. Before I could complete and return the form, I received a letter from XXXX denying my claim of {$580.00}. This is the 3rd time in the last year that this has happened to me and each time XXXX denies my claim and I have to file complaints against them.

I would cancel my card except my employer deposits my paychecks into this account. 
I believe that a XXXX  employee is taking my money because I had the only card issued and a XXXX employee would be able to get a duplicate card and would have access to my personal information. 

I need your assistance getting this money back. I only bring home {$1400.00} a month, so having {$580.00} taken from me is devistating. 

thank you for your help.
Consumer complaint received 2023-09-25
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. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (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 XXXXXXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Today XX/XX/12 I checked my TransUnion credit report and saw a notification that my score dropped XXXX points due to an inaccurate reporting. The account is XXXX XXXX - XXXX XXXX The account was closed and have been reporting closed for over 1 year as a charged off account ( with a balance still reporting ). Now on XX/XX/12 after checking it shows the account as opened ( see attached ) with 229 % utilization on an already closed account. This inaccurate information not only dropped my score but puts more distrust in these CRA and banking systems more than ever.
Consumer complaint received 2023-10-11
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)

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.
Consumer complaint received 2023-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (KS)

This is a random company that says I owe them money and have never had any business with them. They called one time and I told them it's not me. They have since kept hurting my credit with the false claim and haven't removed it. I do not owe them and they need to remove themselves from my credit.
Consumer complaint received 2023-10-11
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)

Identity theft is a serious issue that has not only jeopardized my financial stability but has also caused significant emotional distress. I want to reiterate that I have followed every proper legal procedure and requirement diligently to address this matter. It is important to note that, as a consumer who has diligently adhered to the proper legal procedures, the rejection of my identity theft claims contradicts the very principles of justice and protection that these procedures are designed to uphold. I strongly urge your bureau to recognize the gravity of this situation and the distress it has caused me. I insist that my identity theft claims are thoroughly reviewed in accordance with the law, and I expect the prompt resolution of this matter in a manner that reflects the seriousness of my situation. This is the account that was a result of ID-Theft : XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX Please delete this account ASAP.
Consumer complaint received 2023-10-11
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. (IN)

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. The letters are stated with items and issues. 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. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX 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 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.
Consumer complaint received 2023-10-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (TN)

I had a XXXX at XXXX XXXX in XX/XX/XXXXXXXX  they are putting the debt on my credit report as of XXXX  and keep validating it as accurate even i have proof their dates and amount are wrong. My insurances took almost a year to pay it so at most it would have been XX/XX/XXXXXXXX  when the last payment was made. Also it violates HIPPA showing the name of the place i had XXXX and provides false info to insurance companies looking at my credit report and gives them health information about me on my credit report. I have filed multiple disputes over the last 3 years.
Consumer complaint received 2023-05-23
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. (FL)

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, 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 an 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 2023-10-11
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)

The unverified items indicated below continue reporting 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 them if they do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted/correct from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-22
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly 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
Consumer complaint received 2023-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize those employed by these companies to inquire and view my credit report. In addition, I did not give you ( Trans Union ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. XXXX XXXX XXXX