davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 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 2022-10-21
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. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NC)

On XX/XX/XXXX I requested a refund with Aidvantage for the money I have paid from XX/XX/XXXX until now. I was initially told it would process in 6-8 weeks. Ive called multiple times, and gotten told that its taking longer to process and that my timeline was pushed from 6-8 weeks to 10-12 weeks. After that I called and was told 14-16 weeks. I called today ( again ) on XX/XX/XXXX, its now been over 18 weeks and I was told that they dont have a timeline because they dont have any control over the next steps and theyre waiting on it to be approved.
Consumer complaint received 2024-04-05
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed 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
Consumer complaint received 2022-10-21
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. (DC)

My father and I have the same name. My father settled the account of {$1200.00}, XXXX XXXX CREDIT CARD sent the confirmation to me on XX/XX/XXXX. I gave the information to Equifax and did a dispute. I supplied them with the confirmation of the payoff. The dispute was filed on XX/XX/XXXX. It was completed on XX/XX/XXXX. Equifax did not do anything. I want this removed from my credit report because it is causing me financial and mental harm. I am a XXXX veteran and this is very stressful.
Consumer complaint received 2023-01-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc. (SC)

I transferred cryptocurrency into a Blockchain.com account. Then I transferred the cryptocurrency into a new exchange wallet on XX/XX/2022. As of today, the transfer is still pending and I can not track it. I reached out to support and they said flagged for security check. I advised that I want them to proceed with the transaction and close my account after the transaction is complete which they are failing to do. They are withholding my currency for their own benefits. I asked for an ETA which they failed to provide.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found (SC)

My retirement check for {$3400.00} was deposited to my Found checking account on Friday, XX/XX/XXXX. Immediately, the bank froze my account for suspicious activity. I sent several emails about this, begging the bank to lift the freeze. This bank has no phone support on the weekend, which is ridiculous. Finally on Monday, XX/XX/XXXX, they lifted the freeze. Within a very short time of the freeze being lifted, transactions were made with my account to merchants in XXXX and XXXX. These transactions did not go through and were canceled or declined. However, several large transactions ( {$910.00} -- three of them ) occurred the next morning for a merchant in XXXX called XXXX. I immediately contacted the bank and disputed the charges. I asked why the charges for XXXX and XXXX were declined or canceled but the charges for XXXX went through. The rep stated that the system must have detected suspicious activity with them. 
After waiting the 10 days for a decision on my dispute, they simply emailed me and told me my dispute was being denied because I am responsible for keeping my account credentials safe. 

Upon doing further research online for this bank ( XXXX, XXXX, etc. ) I find that this is their standard operating procedure, to deny disputes and put the onus back on the account holder. I informed them that someone got into my account, unlocked my card, and made these fraudulent transactions. It did not seem to matter what I said, they just put the blame back on me. If a bank is FDIC insured, I don't understand how or why they can deny this dispute. I'm not in XXXX. I have no reason to purchase something from a merchant in XXXX, especially for such large amounts! I explained all this to them. 

For the reviews online, Found provides the same canned responses and blames the account holder for not keeping their account secure, so I am not the only one dealing with this type of matter. This is appalling and can destroy someone's life. 

I also don't understand why their system would deny the transactions for XXXX and XXXX but then allow the three to go through for XXXX. I think this is an error on their end.
Consumer complaint received 2022-10-21
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. (MI)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL ACCOUNTS AND INQUIRES REPORTING ON MY ACCOUNT THAT IS FRAUDULENT. PLEASE REMOVE INFORMATION FROM MY REPORT. IVE CALL CREDITORS MULTIPLE TIMES AND NO RESPONSES WAS MADE.
Consumer complaint received 2023-01-04
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. (OR)

In accordance with the fair credit Reporting act account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2017-09-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (MD)

I 'm making payments to bring my account current, I reviewed the my account on line to verify that there 's a XXXX balance on my account. I asked what this balance represented and it was explained that this was due to sending someone to verify that I live at my property? In awe I said excuse me! The person indicated that we tried to contact you unsuccessfully and we sent someone to make sure you lived at the address. I said and how did you do that when since I 've purchase this home no one has ever come here to verify that I live here so how did you do it? she placed me on hold and came back a few moments later and said it 's a maintenance fee? I said maintenance of what she said whenever your mortgage payment is late we send someone to ensure you live there, again how did you verify this? This is a not so clever way to charge me a late fee even after incurring a late fee for paying my payment late yet your calling it something else! I want this charge removed from my account and it should be reviewed as fraudulent practices because it was never verified that I did live here other than the fact that I submit my mortgage payments, and I speak or have spoken with someone in this company at least once a month.
Consumer complaint received 2022-12-07
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. (NY)

In accordance with the Fair credit Reporting act XXXX Accounts - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XX/XX/XXXX I DID A TRANSFER FROM MY XXXX  MERRILL EDGE ACCOUNT TO MY NEW EMPLOYER ACCOUNT - THERE WAS A TYPO ON THE NAME - TYPED INCORRECTLY ( XXXX  ) SHOULD HAVE BEEN ( XXXX  ). I WAS CHARGED BY MERRILL {$49.00} TO MAIL A CHECK.

XXXX  -

CALLED AFTER NOTICING THAT THE NAME WAS TYPED INCORRECTLY. I WAS ON HOLD FOR ABOUT
XXXX  MINUTES BEFORE SPEAKING TO SOMEONE AND THEN WAS TOLD TO CALL XXXX  FOR A LETTER OF REJECTION.

XXXX CALLED XXXX  - THEY HAD NOT RECEIVED THE CHECK SO THEY COULDN'T HELP. XXXX -THE HOLD TIME WAS XXXX HOURS TO FINALLY SPEAK WITH SOMEONE WHO COULD ASSIST ME - THEN TOLD ON CALLED XXXX  - AND THEY STATED THEY DIDN'T UNDERSTAND WHY THEY NEEDED TO GIVE ME A LETTER OF REJECTION IF THE NAME WAS INCORRECT, SO NOTHING HAPPENED THERE.

THE HOLD TIME FOR MERRILL EDGE IS AT LEAST XXXX HOUR AND THEN THEY DON'T HELP YOU THEY SEND BACK.

I FEEL THEY DIDN'T WANT TO ASSIST ME BECAUSE I TOOK MY MONEY FROM THEM TO GO TO ANOTHER TRUST COMPANY.

THEY DIDN'T CARE WHAT HAPPENED TO MY MONEY - IT WAS JUST SITTING OUT IN LIMBO - I DON'T WANT MY XXXX  JUST OUT THERE.

THEY WERE VERY INCONSIDERATE - ONCE I DID THE TRANSFER THE CURITIOUS HELP CHANGED TO WE DON'T CARE - REACH OUT TO XXXX THEN COME BACK TO US.

I EVEN SPOKE TO A MANAGER XXXX  - HE WAS RUDE
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The problem is they keep sending bank statements which dont exist because I dont have an account with them.This Is Capital one.Like they sent me statement from XX/XX/XXXX to XX/XX/2022. I dont have any credit card or acct with them. Tried to call the Capital o e bank and they want personal information and other datas which is not acceptable.We dont provide SS number or date of birth.This is Capital one pretending to you have bank statements and credit card with them whic I dont have.
Consumer complaint received 2023-01-04
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. (OR)

In accordance with the fair credit Reporting act account XXXX XXXX, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-04
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. (GA)

In accordance with the Fair Credit Reporting act XXXX 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 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX using my bank of America credit card I purchased from XXXX XXXX XXXX tickets totalling {$2800.00}. Due to pandemic the game scheduled in XX/XX/XXXX was canceled. For weeks I attempted to reach the company with no success. I submitted a claim with bank of America to recover my funds in XX/XX/XXXX, and was issued a temporary credit. Finally in XXXX XXXX XXXX decided to offer website credits for the amount of my purchase and I have until XXXX to use or lose my credit. During the transaction it was clearly posted on the website if the event was canceled I would be entitled to a full refund. I reached out to bank of America and was told because the merchant offered the credit voucher they would not support my claim. I would like the full amount of my purchase returned to my credit card as well as any interest charged.
Consumer complaint received 2022-10-21
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. (MI)

Transunion has and continues to violate my Federally Protected Rights under the FCRA that is put in place to protect consumers from false, inaccurate reporting due to the banking system depending on maximum accuracy. I have contacted Transunion via phone and Mail in hopes of getting these Unverifiable accounts removed but Transunion employees failed to resonably investigate the issue. You failed to do so giving me a reason to believe my information is being tampered with XXXXMy credit Report suppose to be fair and equitable to me instead you are using it for you and your Business Partner Beneficial purposes.. XXXX XXXX stated they sent you a removal of the unverifiable bankruptcy account in XX/XX/2022 and you willfully are furnishing I have been disputing these accounts the past year and Transunion still fails to provide substantial proof of there claim theyve received. I have made several attempts to get Transunion to comply with their obligations under the FCRA. It is very clear you are deliberately and willfully negligent in resolving my issues. According to 15 USC 1681 a-5 unverified information must be promptly deleted. I am demanding you Remove the accounts in attachment. This falsely reported/ unverifiable information has negatively impacted my livelihood as a result of denial of credit and etc
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0.00}
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VELO LAW OFFICE (MI)

Date XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX and velo law keeps harassing myself and my friends they keep hand delivering papers to my friends threatening them saying I'm lying I live at the address which I do not and have never .i 've called them to tell them I don't live there they keep harassing myself and people I know. I have messages and pics from my friends of the papers and all. I have started my chapter XXXX and told them and they continue to harass and disclose my personal information. That's against the law. they have been gone as far as to make my friends think they are the police this is ridiculous and has to stop.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (TN)

I received a letter from Comenity dated XX/XX/2022, stating that my XXXXXXXX XXXX XXXX credit card account issued by XXXX XXXX  XXXX would be closed as of XX/XX/2022, and that I'd receive a new card issued by Comenity. 
My complaint is that there was no way to opt-out of this change. 
I had the card with XXXX XXXX XXXXXXXX for 20 years, and had no desire to change banks. In addition, I had never heard of Comenity. Finally, I have security freezes with all three credit reporting agencies, and didn't think an organization would be able to open a new credit account in my name without my permission. 
I tried calling all three organizations involved before XX/XX/XXXX : XXXXXXXX XXXX  XXXX XXXX, and Comenity, and was not able to reach anyone who could stop the process. Once Comenity took over on XX/XX/2022, I tried calling to ask that the account be closed, but I have tried multiple phone numbers and have not been able to reach a human being. I get stuck in a loop with the automated call service, which results in the system hanging up on me. The last time I called, I did get a response when I said " Close account '' but was told the information would be faxed -- and I don't have a fax number. However, faxing was the only option given by the automated system. 
I'm concerned with the effect of having an open, but unused account on my credit score. The automated system of Comenity has no option to speak to a customer service representative.
Consumer complaint received 2023-07-25
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: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting ad. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX