davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (GA)

Georgia Unemployment department issued people these Way2Go Cards back in XX/XX/2020 when COVID19 started. 

I did not receive my card until late XXXX early XXXX, because I did not know my job was filing unemployment on my behalf. So when I received the card it was like {$9000.00} on there. Now its still the beginning of COVID and no one is really traveling, plus I just moved so I had mad bills I'm behind on due to the lose of my part time job. 
Prior transactions I had tried to withdraw money from the card but was not allowed to get more than {$300.00} at one time, from a bank listed associated with the card. Nor does the card give you the option to transfer money from the card to an account or different card. 

XX/XX/XXXX was the last time I used my card stopping at {$5000.00} so that I manage the remaining of the money for the rest of the year. XXXX the XXXX maybe the XXXX I checked my card to see that someone in Florida had withdraw {$2500.00} and change from the account as ATM withdraws. Two transactions where {$500.00}, {$400.00} and $ XXXX withdrawls. Now i'm confused because I have had my card the whole time no one even knew of the funds I had receive, nor did I even know anyone around me who has even been to Florida in the middle of COVID19. 

I called to put in a dispute XX/XX/XXXX or XXXX without a police report and was denied. Company stated after calling for over a month and hearing nothing that my dispute was denied for Conflict of Information. Which did not made no sense. All my transactions where made in Georgia so why would I go to Florida to make ATM withdrawals. Also I used the card regularly so why were those the only transactions made all the way in Florida. My last transaction was at XXXX in XXXX XXXX Ga XX/XX/2020. The first fraud transaction was made that same day in Florida. now how could I have made that transaction in the same day in two different states? If you check the transaction time frames you would see that is not possible. 

So I reached out to my lawyer and was advised to make a police report, report my identity stolen and resubmit the claim dispute. I did all this and was denied again. I have called and have been hung up on after waiting over an hour for an agent. Since XXXX I've called more than 10 times waiting over an hour every time to receive no information. I have been told I would receive a call back from the investigating offers and never received and call back. My lawyer has sent two letters to the company asking for my money back but we haven't heard any response from them. 

I have been calling them since XXXX and no one has told me why my claim was really denied. Conflict of information does not cut it what was the conflict of information?
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I have my pin from when I froze my Experian credit 3.5 years ago. 

I attempted to lift the credit freeze online, using their form, with my pin. The website stated they could not lift the freeze and requested I call them. 

I called Experian at their provided number XXXX XXXX XXXX, went through all the automated prompts, included entering my SSN and pin. It got all the way to the end, asked the dates I wanted the report lifted, and then stated I would have to mail in my documents to have the freeze temporarily lifted. 

I have lived at the same address for 8 years, and have no other complicating factors in my history that would cause this to be an issue. 

In doing research this appears to be commonplace with Experian. Many others have had similar situations. Apparently, if you sign up for their XXXXmonth " tracking '' service, you magically can unfreeze your credit no problem This seems unethical and downright fraudulent. You are apparently screwed if you don't freeze your credit, since these bureaus seem to be perpetually under cyber attack and risk of identity theft, and also screwed if you do freeze your credit, as it is irreversible.
Consumer complaint received 2023-07-05
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)

In accordance with the Fair Credit Reporting act 11 XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have a right to my 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 2021-01-12
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Synovus Bank (NC)

I, properly initiated a payment to my XXXX XXXX XXXX  credit card ; Through XXXX  XXXX XXXX Bill Pay with a confirmation # that says it was supposed to go to XXXX XXXX XXXX credit card payment. 
XXXX XXXX XXXX improperly and without your authorization sent those funds to an account at the XXXX XXXX XXXX XXXX. The XXXX XXXX  XXXX XXXX improperly deposited the money to a random account that was not even on the check or a payee name on the check. The account number on the check was our credit card number not even a legitimate account for the bank. The XXXX XXXXXXXX XXXX XXXX is owned by XXXX XXXX. Affidavit paperwork was filled out sent to XXXX XXXX and received by XXXX XXXX via certified USPS mail on XX/XX/XXXX at XXXX. 
In recent calls to XXXX XXXX, they state they can not help me because I do not have an account with their bank. Even though funds were transferred into an account of theirs. 
Our {$6100.00} needs to be returned. 
Synovu 's Bank XXXX was the check deposit info on the back of the check Check # XXXX Deposit # XXXX
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

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 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 2024-03-01
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: Experian Information Solutions Inc. (FL)

I am writing to dispute the following information that appears on my XXXX /Experian and XXXX consumer report : My credit report shows Hard inquiries that I never agreed to which need to be removed immediately without proof of my knowledge and agreeance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-01
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: Experian Information Solutions Inc. (VA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I bought my home in XXXX of XXXX and financed with XXXX XXXX XXXX who subsequently sold the loan to NEWREZ.In XXXX of XXXX I began the process of refinancing my 4.375 % loan to a 2.875 loan with XXXX XXXX XXXX when the problem began with NEWREZ.My loan was set to close and NEWREZ wanted {$2500.00} more monies than they were due for forced placed insurance that i didnt need and escrow shortage that didnt exist.I have a condominium with a master policy and they had the policy and we resent it again and again. 

They refused to adjust the pay off and sent an escrow analysis increasing my monthly payment by {$540.00} to cover insurance that doesnt exist and an inflated tax escrow, so i couldnt refinance and I cant afford the higher payments. 
Either I or my XXXX XXXX XXXX or the closing attorney called, emailed, faxed numerous times in XXXX, XXXX and XXXX to rectify this to no avail. 
Conversations were had with XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX # XXXX and XXXX XXXX.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (AZ)

My tenant is having trouble paying her rent do to loss of job. She has been paying me in money orders. It hasn't been a problem until today, I went to cash two money orders from her. I used the same store that she purchased them from. 

They cashed the first one, but the second one they denied. They gave me a number to call, and it appears they are denying me because of my credit file. What's weird about that is, the money order was purchase with cash. It's prepaid, and I have nearly perfect credit, with a credit score exceeding XXXX. 

What the heck is going on? I don't have a lot of knowledge of this company or cashing money orders, but it appears this company is a scam, unethical, unprofessional, or all three.
Consumer complaint received 2023-10-07
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 filed a complaint over a month ago for a fraud inquiry. They said they would remove it yes didnt so I disputed again online. The inquiry was fraud with the wrong name XX/XX/2023 XXXX XXXX XXXX See response giving to you. Now I cant even call Equifax says my information is incorrect and hangs up on me. This is really frustrating! My name is XXXX XXXX XXXX and I have provided them twice by email ID and Social Security card. This needs to be escalated to someone who is competent! I am seeking monetary compensation as well.
Consumer complaint received 2021-01-12
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: TRANSWORLD SYSTEMS INC (SC)

I obtained my credit report and I have noticed that XXXX XXXX XXXX have tried to share private information without my consent which is a HIPPA Violation. The 3 major credit bureaus or Transworld Systems Incorporated refuse to provide actual documentation of me giving them permission to share my personal records with their collection company.
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I have an account at Coinbase ( coinbase.com ) that I used to buy Bitcoin. I want to liquidate my account. I had trouble logging on to my account and eventually Coinbase locked the account and will not reactivate the account or respond to any of my requests for help. I have had two people familiar with online accounts try to help me. I hired a lawyer to write a letter to them. I have called them and tried to contact their help desk, but they do not answer or help. I am XXXX, retired and would like to sell the Bitcoin so I can use that money.
Consumer complaint received 2021-01-12
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. (CO)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX0, XXXX XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2021-01-12
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On XX/XX/2021, I disputed an unauthorized charge of {$1100.00}, prior to this charge my card balance was $ XXXX.with a {$750.00} limit and my credit score was XXXX The very next day on XX/XX/21, XXXX XXXX through XXXX XXXX  XXXX wrongly reported my card balance at {$1400.00}, placing me over the limit a few days later my credit score dropped to XXXX. What is also suspicious to note. This account is always reported on the XX/XX/XXXX of each month, why would XXXX XXXX report almost 2 weeks early? 

I contacted XXXX on XX/XX/21 and was told the {$1100.00} unauthorized charge is still being investigated and no one could answer why it was reported to the credit bureaus and why reported early. 

This is a reckless violation of the FCBA, the FCRA and numerous State of Michigan consumer protection laws. Further, I believe XXXX deliberately reported the inaccurate balance I applied for a PPP loan through the Relief bill for {$170000.00} to save XXXX XXXX XXXX and received a call today that I was denied in large part due to the most recent negative furnishing. The loan officer said I needed a score above XXXX and the over limit that was recently reported was significant. I will now likely have to dissolve that XXXX.
Consumer complaint received 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Wealthfront Corporation (NY)

Problem : Wealthfront Cash Account locked after reporting fraud transaction due to verification issue, followed up immediately with verification documents but no updates from the bank whatsoever, contacted multiple times and resent documents. More than 5 business days now without access to checking account funds. Unacceptable service. 

Background : - Never ordered a physical debit card - Have a digital debit card in my XXXX wallet thats locked - On XX/XX/XXXX, noticed a unknown transaction of {$100.00} from XXXX made in XXXX XXXX, XXXX - I have never been there in my entire life - Immediately reported the transaction for fraud, customer service initially accused me of having a physical debit card, but after minutes of explaining I dont have one, he proceeded to put in an investigation for me- Forced to me to replace my card ( rightfully so ) and will be giving me a physical one, but required me to go through some verification questions- Ended up receiving an email saying that my account will be deactivated/locked until documents are provided for verification - Followed up XXXX minutes later with my drivers license on XX/XX/XXXX - Called Wealthfront customer service multiple times since then on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, only to be reassured that this will be looked into and asked to wait two more business days each time - Wealthfront also does not provide contact to XXXX XXXX who services their banking, which is completely unacceptable because verification is through them - I found out a contact to XXXX XXXX corporate resolutions and was able to reach the department on XX/XX/XXXX - Informed me to wait another XXXX hours Im honestly so frustrated at this entire experience. I dont think its acceptable to first accuse me of having a physical debit card when I didnt have one in the first place, then proceed to lock my account and ask me to verification, and not provide an update for many business days after Ive already provided documentation via email multiple times. Furthermore, Wealthfront makes it impossible to reach their verification department and refuse to provide any contact information for resolution. For anyone who uses their bank to deposit their money and make payments, being in this situation sucks especially when Im not the one at fault. Instead, I get penalized for reporting a fraud transaction and left with no access to my account that I use to make payments to my bills. Additionally, false promises of having this case looked into every time I call customer support has prompted me to proceed with filing this complaint. 

I hope you can help me with this case.
Consumer complaint received 2021-01-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I started my dispute process on XX/XX/XXXX. It is now XX/XX/XXXX and I have no response from the bureaus. I am requesting this inaccurate information that the bureaus were unable to verify be removed from my credit report. By law it has been well over 60 days and I have no response which constitutes removal being that bureaus did not verify my. information. I have attached my letters that were sent to the bureau, a copy of an utility and my license to prove my identity
Consumer complaint received 2024-03-01
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: Experian Information Solutions Inc. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-27
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. (FL)

In accordance wit the Fair Credit Reporting Act the following have violated my rights Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number:XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account NumberXXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account XXXX 15 U.S.C1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Trakk, LLC (PA)

I have been getting almost daily calls from Auto Trakk , LLC for someone who is not me. The calls started when I got a new number approximately XXXX of XXXX. After a few calls and speaking to a supervisor, I stopped receiving calls XX/XX/XXXX ; however, the calls have started again. I received phone calls on XX/XX/XXXX and XX/XX/XXXX. I returned the call on XX/XX/XXXX leaving a voicemail notifying them again that they had the wrong person and I was not who they were trying to contact. 
I received another call on XXXX where I spoke to an employee and told them I was not the person they were looking for and to please stop calling. Employee stated they would not call again. 
I received another call on XXXX, where again I notified them I was not the correct person and to stop calling my number. Employee again apologized and stated they would not call. 
I received another call on XXXX, where I asked to speak to a Supervisor. This supervisor stated he would make sure the calls stopped. 
Since speaking to a Supervisor, I have received calls on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX  XXXX Balance Owed : {$0.00} - This account has the wrong balance. Please remove this account because inaccurate information is being report XXXX XXXX XXXX Balance Owed : {$280.00} - The Open Date on the account has been changed. It is a Violation to Re-aged the open, Please Deleted Immediately XXXX XXXX XXXX Balance Owed : {$83.00} - Your records are revealing conflicting and incorrect information compared to other bureaus XXXX  XXXX  XXXX Balance Owed : {$1700.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX  XXXX Balance Owed : {$71.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.