davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-31
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. (NC)

I have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2021-04-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MN)

I did money transfer through XXXX. When my receiver want to receive the money, XXXX agent told my receiver that the money is not ready. I called XXXX Customer Service and I was told to have my receiver go to the same agent location again to go receive it. When my receiver went for the second time, they wrote on the Receiver Form attached that the money is still not ready. So my receiver called me as she was still at the agent location and I called XXXX Customer Service again. This time, XXXX Customer Service started a claim with XXXX XXXX # - XXXX, and told me to follow up in XXXX business days which fell on today XX/XX/21. When I called today, the XXXX Customer Service agent treated me very disrespectful and refused to help me get my money back. So please I need your help to get my money back, it is for urgent need. 
Please see the attached documents for review. 
Thank you.
Consumer complaint received 2022-10-31
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. (VA)

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).

I have attached a consumer report as evidence.
Consumer complaint received 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc (TX)

PayPal has allowed erroneous charges to be negotiated against my account. Some are unauthorized some are duplicates. They refuse to resolve this issue. Duplicated payments are paid in days of succession of the authorization with the original charge deleted in transaction history, yet the amount still remains deducted. The merchant will then be allowed again to debit the account once more for the same transaction thus giving a duplicate payment. Paypal will intermittently block transaction from service industry merchants in particular hotels. When I inquired with them the reason for this, they explained that this was done due to wide spread fraud that were detecting with their accounts. Well the charges I am speaking of specifically are dealing with hotels. It's has happened at least three separate times that I've noticed. Either they're being breached or are complicit in this fraudulent activity in either case they are not protecting me as a consumer
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (MD)

Convergent XXXX Started receiving calls from them end of a XX/XX/2021. They call approximately 2-4 times day. No voicemail is ever left. Some calls show as missed others show as incoming 4-6 seconds.. odd. I have no business with Convergent nor any credit report items found. Unknown contact
Consumer complaint received 2021-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (RI)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my recent statement, dated XX/XX/2024, I observed inaccuracies that require immediate attention. 

Statement Closing Date : XX/XX/2024 On XX/XX/2024, the previous balance was noted as {$1300.00}. Subsequently, I made a payment of {$1300.00}, effectively reducing the balance to {$20.00}. However, despite this payment, the credit bureau was informed that the balance remained at {$1300.00}, which does not reflect the accurate status of my account. 

Additionally, I noticed an interest fee of {$20.00} was charged, despite the payment being made prior to the statement closing date. This discrepancy is alarming and requires urgent investigation. 

I hereby formally request a thorough review and correction of this discrepancy. It is imperative that the balance reported to the credit bureaus accurately reflects the true balance as of the Statement Closing Date : XX/XX/2024. 

I expect prompt action on this matter and request that you provide me with a detailed explanation of the discrepancy and the steps taken to rectify it. Please ensure that my account records are updated accordingly and that any erroneous information provided to the credit bureaus is corrected. 

Thank you for your attention to this matter.
Consumer complaint received 2021-04-28
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX & XXXX of 2020, someone tried to purchase a vehicle from multiple car companies. I notified these companies stating that I did not AUTHORIZE these INQUIRIES, nor was I applying for any auto loans do to the fact that I was just released from prison in XX/XX/2020. They stated that the inquiries would be removed. In addition, during that time XXXX was closed due to the Pandemic ( COVID ), so there was no way for me to obtain a License or State ID.
Consumer complaint received 2021-04-28
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. (PA)

As stated before, all documents sent have been notarized showing you I am indeed who I say I am. On XX/XX/2021 I sent this company a letter disputing unknown, misleading, unverifiable information. Again I sent them a letter on XX/XX/2021 because I NEVER received a response from them. XX/XX/2021 I filed a complaint with the CFPB. I see today XX/XX/2021 that the company responded that there is a unauthorized party on XX/XX/2021 which is a lie the dispute is coming from me XXXX XXXX. I called today XX/XX/2021 at XXXX to TransUnion and spoke to the Customer Service Rep XXXX and she stated " the account is currently being investigated ''. It has now been WELL OVER 60 DAYS! I'm frustrated your company is breaking the law! it should not take over 60 days to complete an investigation, in fact being that your company has took over the amount of time granted under THE LAW the accounts in question must be REMOVED!!
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-02-28
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. (MS)

I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a XXXX form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX XXXX {$200.00} open XXXX, XXXX acct XXXX {$6000.00} open XXXX, XXXX XXXX XXXX {$150.00} open XXXX I wish to highlight that I have not signed any XXXX XXXX, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in XXXX days I have also attached my documents
Consumer complaint received 2022-10-31
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. (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.

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or 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 2021-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (IL)

On XX/XX/XXXX I received a check for XXXX from a business I thought was a scam. Since my research of the company ( via XXXX ) on the check came back the business was legit I held onto the check for about a week. On XX/XX/XXXX I took the check to my bank ( BMO Harris Bank ) and asked if I deposited it and it bounced am I out the bounce fee of {$12.00}. The rep said yes. Because of this I pulled over and called the bank that the check was from. They confirmed that yes there were sufficient funds to cover the check. I then went back to the bank and deposited it. I waited another week to make sure the check didn't bounce. At this point I texted back the issuer of the check who told me to send them {$1400.00} back and keep the rest. Seeing as though I've heard of this to be a scam, I called my bank who would not allow me to send the money. They identified it as fraudulent and froze my account. I was then told by the bank rep I would have to go to a local branch to remove the freeze. I did this near the XXXX. Thinking this was the end of the issue I payed no attention to my account. Then near the XXXX I realized my credit cards weren't getting paid .Then my paycheck didn't get deposited on the XXXX. I FINALLY got through to the fraud specialist who said my accounts still frozen and she doesn't know till when. I am now without any financial means. My three credit cards and checking account is shut down and I have not received my paycheck. 
I explained I did my due diligence to confirm the check was good. The bank put the money in my account, I didn't spend any, thinking it was fraud, I brought to their attention and told them the crooks have no link to my account or any financials, they froze my account because of what " I '' brought to their attention. Now after having this account at this bank for at least 20 years the fraud specialist says I need to open a new account, my funds are frozen. She also went on to mock me that I " c'mon your a grown man you should know better '' Also '' YOU sir are the one that started this problem ''. She then went on to give me a list of transactions on my account " you don't know about '' due to the register reading different amounts from her screen to mine.According to my register I should have at least {$500.00} in my account. She says its about - {$500.00} and at the end of the investigation if there is any left they'll send me a check ... .and BYE.
Consumer complaint received 2023-02-21
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2023-02-21
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. (TX)

N accordance with the Fair Credit Reporting Act 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 account without my written instruction.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TX)

I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX reaches out for validation they respond that all information is correct and continue to update the account on my report.
Consumer complaint received 2023-01-17
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. (SC)

In Accordance with the Fair Credit Reporting and XXXX Bankruptcy court account number # XXXX, and XXXX XXXX XXXX as XXXX account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furish a account without my written instructions
Consumer complaint received 2021-04-28
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: Experian Information Solutions Inc. (FL)

My rights as a consumer has been violated multiple times over and over and over again by these credit bureaus and corporations. They violated my right under the FDCPA, FCRA and XXXX XXXX XXXX. Failure to investigate these items within XXXX  days gives a reason to immediately remove the items I pointed out in my letters that I sent over XXXX  days ago. Every account I disputed should be deleted if the instructions says to delete them and all late payments should be reflecting " paid on time '' per instructions. I demand everything I stated in my letter to be handled appropriately per instructions or I will file for litigation due to the continuing stress your causing me. My information also was also impacted by the XXXX data breach. please. Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law XXXX, title XXXX, XXXX Stat. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA XXXX XXXX XXXX. XXXX ( FCRA ) I also stated each law you violated on my consumer report inside my letters also. Compensate me for each violation that has been committed under XXXX XXXX XXXX and XXXX XXXX XXXX. Invoice will be attached!!!
Consumer complaint received 2021-04-28
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: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-21
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-31
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AZ)

As of XX/XX/21. I have no mortgage credit score per XXXX XXXX. Experion. Reports no score. Called over and over says its ok. But never is