davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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. (NY)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-06-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo intimidated me into refinancing my mortgage by threat of Foreclosure. I came home to find a " Foreclosure '' notice on my front door one day. I contacted WF right away and they told me that I had not made payments to them in 2 years. I was young and unfamiliar with my rights as a homeowner and they exploited that by threatening to take my home from me. 

My biggest question to them was where have all the payments that I made gone? They told me I didn't make payments. I have bank statements showing all of my payments. They told me they weren't applied to my account because they were for the wrong amount. Apparently for 2 years I was paying the wrong amount and instead of addressing it with me after the first " missed '' payment they waited 2 years and tried to force me into foreclosure. 

I have been fighting this for nearly 10 years with no cooperation from WF. They state that I went delinquent but they wont tell me when. They provided me with statements showing my payments with " unapplied '' written next to them, totally proving my case, but still claim that I never paid. The unapplied payments total about {$22000.00}. When they intimidated me into a new mortgage, they added that amount on top of my supposed mortgage balance. This means that I am now responsible for {$22000.00} more dollars and still have no credit for the {$22000.00} I already paid. I took out my mortgage for {$150000.00} in 2007, my current balance on my mortgage is {$170000.00} after 14 years of consistent payments. I need someone to explain that to me. 

I have tried hundreds of times to work this out with WF but they won't listen to me. I filed with the XXXX  and WF still denies liability and will not speak with me professionally about this. Just today they screamed and yelled with me and told me " You can keep filing XXXX  claims, but you will never win. '' They said I had to do a new mortgage because I was delinquent, I asked him to tell me when that started and to look at the paperwork they sent me so we can go over it and he refused. He also told me that I waited all these years to do something so I am out of luck. I told him to check his customer service records because I called at least a dozen times a year for the past 10 years. Even if I didn't, I have every right to my money that they basically stole from me. He also said there was no chance I was getting anything back from them because I signed the refi so I don't have a leg to stand on. THIS is why they are shady. They tricked me into a refi under false pretense and now I have no rights????? That is soooo calculated. From what I have researched recently and all of the class actions suits out there against WF this is just par for the course with them. Multiple lawyers have reached out to me to get information about my claim with XXXX  but unfortunately my circumstances don't match any of the current class action suits, but I find it hard to believe that I am the only person they did this to.
Consumer complaint received 2021-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (CT)

I initiated a {$10000.00} withdrawal in early XXXX. Nothing happened, so i emailed support. They responded that they have deactivated my account! I have exchanged multiple emails with them and submitted an " appeal '' per their instructions Nothing happens. 

They have my money and I'm beginning to think this has become a fraud. 

I need that money. And they will not respond and return my funds.
Consumer complaint received 2023-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the account. It was opened without my knowledge, authority or consent. 

XXXX XXXX
Consumer complaint received 2021-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TN)

Paypal has put a 180 day hold on about XXXX dollars in my available funds with little to nap explanation. I desperately need my money. I have waited about 4 months at this point, but with covid and recent bills it is critical the funds are released.
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (NV)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they suspect I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are accounts in my report that are fraudulent and outdated. I wanted them removed so I sent out letters disputing them. It has been more than XXXX days, but I did not receive any response from the bureaus.
Consumer complaint received 2022-11-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I SENT ALL XXXX CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. TRANS UNION, XXXX, AND XXXX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED : XXXX XXXX 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 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NH)

We were travelling from XXXX to XXXX to XXXX. All bookings were done with Chase Sapphire XXXX credit card. The card covers purchase protection. Our flight from XXXX to XXXX was delayed due to bad weather conditions due to which we missed our flight from XXXX to XXXX. We had to book another flight from XXXX to XXXX to make sure we reach XXXX on time to get onto our flight from XXXX to XXXX. However, we missed the flight. 
We had to book a new flight with XXXX for my XXXX and myself from the XXXX which costed us a lot of money. Because of this delay, we had to also land in XXXX XXXX  since there weren o flights available to XXXX, and rent a car to drive back to XXXX from XXXX XXXX. Chase team confirmed over the call that weather conditions are covered under purchase protection and all of these events unfolded due to the first delay of flight which occurred in XXXX. However, we've filed the claim with them since XXXX and there has no decision yet. I've provided all the required documents and they keep asking for repetitive documents again and again. Thousands of dollars are at stake, and they're only delaying the process after providing all the documents. 
I've contacted all airlines and no refunds or compensation were provided. Proof of the same in writing is also provided to Chase. 

I've filed a claim to reimburse all associated costs of flights and car rental that were caused due to the flight delayed due to weather conditions. After repeated calls and requests, they've been only requesting all documents XXXX after the other, sometimes repeatedly asking the same documents, but no response is granted after that. 

Ticket Details : XXXX to XXXX - XXXX XXXX : Booking for XX/XX/2022 = {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Booking for XX/XX/2022 = {$870.00} USD New bookings due to delayed flight from XXXX to XXXX : XXXX to XXXX - XXXX : XX/XX/2022 = {$410.00} XXXX XXXX to XXXX - XXXX : Booking for XX/XX/2022 = {$1200.00} XXXX XXXX ( XXXX ) to XXXX - XXXX Car Rental - XXXX = {$160.00} USD
Consumer complaint received 2017-09-08
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. (TX)

Affected by XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XXXX 2017.
Consumer complaint received 2023-01-04
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. (TX)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (AL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be removed because, according to 15 USC 1681 I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (TX)

The XXXX XXXX from this situation is XXXX, affecting my sleep quality and leaving me unsettled. The XXXX XXXXeels difficult to reconcile with my consistent payment history.
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (SC)

American Financial In accordance with the Fair Credit Reporting act XXXXt Account # 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 2022-11-01
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. (PA)

On XX/XX/22 I settled a collection account for less, the company agreed to delete it from credit report. The account has not been deleted, they only updated to paid less in settlement. I disputed this account with Experian and provided the proof, Experian refuses to delete settled collection account. If an account is paid with a XXXX balance why is it still showing on my credit report in collections.
Consumer complaint received 2022-11-01
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: CCS Financial Services, Inc. (PA)

On XX/XX/22 I settled a collection account for less, the company agreed to delete it from credit report. The account has not been deleted, they only updated to paid less in settlement. I disputed this account with XXXX and provided the proof, XXXX refuses to delete settled collection account. If an account is paid with a XXXX balance why is it still showing on my credit report in collections.
Consumer complaint received 2023-07-24
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. (IL)

In accordance with fair credit reporting act XXXX accounts # 1 and # 2 listed below violated my rights. 

Account XXXX XXXXXXXX XXXX XXXX XXXX account XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXXXXXX 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.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2023-05-19
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. (MI)

Unauthorized Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$1100.00} XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

Equifax Information Services LLC is furnishing an account on my consumer report that is unfair, inaccurate and fraudulent. Due to this inaccuracy my right to extend credit was damaged to a great extent this has caused my family harm. I submitted a certified letter to this organization on XX/XX/XXXX and requested evidence that this item has been properly investigated. The company never complied and is still furnishing this unfair information on my consumer report. This is a clear violation on 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This company has violated my right to privacy. This company has failed to provide me with my ( investigative consumer report ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information ). I just want to be treated fairly and this company has violated my rights. This company is ruining my reputation with lenders and my livelihood has been adversely affected.
Consumer complaint received 2023-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.