davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2021-05-11
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. (FL)

I kindly ask you to clarify the situation and help me to understand why I have these strange unknow accounts in my credit report. I do not recognize these accounts and feel that its misleading information. I want you to ask to apply investigation and remove these unknown accounts. Thank you for your help and support
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (OR)

Hello, I had a demand draft issues by the HSBC XXXX XXXX XXXX branch in XXXX, XXXX on XX/XX/XXXX of 2021. The demand draft was issued in the amount of XXXX USD to HSBC Bank USA, N.A. New York. I deposited the draft in my XXXX XXXX checking account, but it was returned due to lack of funds via HSBC NY. 

HSBC XXXX informed me that the money was correctly sent to HSBC NY. HSBC NY informed me that they were unable to assist me as I only have an account with HSBC XXXX. I am unable to get a customer service representative 's help. My money appears to have disappeared within HSBC 's system and no one will tell me why.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2022-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-05-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AZ)

Date : XX/XX/2021 Time:XXXX ( Mountain Standard Time ) Amount : {$200.00} destination : XXXX. 
I was sending these funds to my brother for a funeral. I received an email confirmation that the transaction had been sent successfully. 
Date : XX/XX/2021 Time : XXXX ( Mountain Standard Time ) Email notification from Moneygram : Transaction had been canceled.

I called Moneygram and they said that the receiver had rejected the funds. 
I called my brother and he stated that he did not receive any notification of the funds I was trying to send. 
Complaint : 1. Funds were removed from my account immediately.

2. The transaction was canceled by Moneygram 3. Why are the funds not returned to me immediately? Why do I have to wait for 3 to 10 business days to receive my funds when Moneygram is responsible for intercepting and canceling the transaction? 

My personal thoughts on this : My brother is a banker in XXXX. He informed me that there are people in IT who intercept transactions to trade ( Bitcoin/cryptocurrency trend ) and make profits before returning funds to the consumer. This is wrong if this is what happened here. I request that this be investigated because if you look at complaints that have been sent to XXXX and other platforms, more and more people are coming forward to say, something is wrong with Moneygram.
Consumer complaint received 2021-05-11
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)

I kindly ask you to clarify the situation and help me to understand why I have these strange unknow accounts in my credit report. I do not recognize these accounts and feel that its misleading information. I want you to ask to apply investigation and remove these unknown accounts. Thank you for your help and support
Consumer complaint received 2023-08-08
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. (NE)

I want to file this formal complaint to EQUIFAX. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 instruction.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

ON XX/XX/XXXX I HAVE USED AFTER HOUR DEPOSIT BOX IN CAPITALONE BANK LOCATED AT XXXX XXXX XXXX XXXX XXXX USING KEY ASSIGNED BY BANK. I HAVE SUBMITTED CASH BAG TOTAL {$920.00} IN A BOX UNDER RECEIPT NUMBER XXXX. ON CHECKING UPON MY ACCOUNT CAME TO KNOW BANK HAVEN'T DEPOSIT THAT MONEY IN MY ACCOUNT. I IMMEDEIALTY CALL BANK AND SPOKE TO THEM ABOUT IT. THEY HAVE ISSUED ME CASE # XXXX AND TOLD ME TO WAIT FOR 5-7 BUSINESS DAY ALSO HAVE CONTACTED FRAUD DEPT @ XXXX. THEY TOLD ME TO WAIT FOR 7 DAYS, I CALLED AFTER 7 DAYS THEY TOLD ME TO WAIT FOR ANOTHER 7 DAYS NOW TODAY IS XX/XX/XXXX XXXX HAVEN'T RECEIVED ANY RESPONSE. ITS ALMOST MONTH AND NO BODY IS HELPING ME OUT. FOR ANY QUESTION I CAN BE REACHED AT XXXX.
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute and they did nothing but gave me an excuse why they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX and XXXX CARD. Please help me get my credit report to show the correct information and delete these things.
Consumer complaint received 2021-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I noticed there was money taken out of my account without my consent. On XX/XX/2021 someone was able to withdrawal {$1000.00} out of my account without having to use my BOA debit card. Then the person did it again on XX/XX/2021 with the amount of {$780.00}. I couldn't believe what I was seeing. So I contacted Bank Of America with the number provided on the back the Debit Card and spoke with them about this situation. The person I spoke to said they will send me a replacement card and they will do a investigation. I just would like some help to resolve this issue because money was stolen out of my account. I never give the pin to the card to anyone, but myself. I really need that to buy food and pay bills. I am really stressed out. Please help me
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (NY)

Citibank NA. unauthorized, has taken my personal information : Name, Address, Social Security Number.

D.O.B.

Drivers License info and opened 68 fraudulent checking and debit card accounts.

I am not a Citibank customer.

I had reached out to the Citibank Executive Response Unit on XX/XX/18 and have a case number. 
I have filed O.C.C. complaint and have a complaint number. 
I filed a Federal Trade Commission complaint and have a complaint number. 
I have filed a complaint to Postal Inspection because these were mailed to my home. 
I currently have all Debit Cards, Check Books, and PIN envelopes that were mailed to me via first class mail from Citibank. Can you help me with this? I would like to know how my social security number was used to open these accounts online. 

Thanks in advance. 
Frustrated, XXXX XXXX XXXX XXXX XXXX cell
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synovus Bank (GA)

First Progress Credit Card. This account is closed and paid in full. I disputed the account through XXXX asking them to remove the account from my credit report because it is having and adverse affect on my credit scores. I received a message saying they verified the information was accurate. I was not disputing any inaccuracies I simply wanted the account removed because its old and closed and I have no desire to ever open another credit account with them therefore I would have liked for them to remove this information from my account.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I sent a cease and desist letter. I have ask for an itemized statement of what they say I owe. No response and they keep harassing me. 
I have sent an invoice of the amount they owe me due to violations. They have sent numerous letters, emails, text messages, and phone calls using threatening language ( 15 USC 1681 ) that my account will be charged off etc. Because of their reporting they have also ruined my reputation by reporting to the credit bureau without my consent.
Consumer complaint received 2021-05-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I was a victim of identity theft and I sent a letter to the 3 credit bureaus with the police report and ID theft affidavit to have the unauthorized accounts and inquiries removed from my consumer report. This was done XX/XX/2021. XXXX XXXX completed the removal of the unauthorized accounts, however XXXX  and Equifax still has the items on my reports. The results of the investigation by those bureaus was sent to me as verified. I have reached out to them to provide physical proof and provide the method of validation and they still havent responded. I need these erroneous and unauthorized accounts to be removed.
Consumer complaint received 2021-05-11
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. (MA)

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. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-05-11
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. (CA)

Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from Experian on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD
Consumer complaint received 2021-05-11
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 (TX)

Ive used PayPal since XX/XX/XXXX. I received an email from PayPal on XX/XX/XXXX saying my account has been permanently limited and funds are frozen for 180 days. They accused me of gambling, fantasy sports playing, lottery contest and a few other things. But all of my transactions have been with personal friends who have either loaned me money or Ive loaned them monies using PayPal. I also pay many bills and use my PayPal account often in my daily life so this is very disruptive. Ive received a lot of financial help from friends using PayPal, especially since COVID-19. Im not aware of any policy that forbids friends from helping each other out. I dont use PayPal for any of the activities theyve accused me of. When I spoke to the customer service representative on the phone today XX/XX/XXXX he said and I quote you know what youve done I immediately asked for his supervisor which he responded by saying hes the highest level at the company Im able to speak with. Then when I asked for a email address so I can write directly to management he declined and would not give me one. saying theres no email option for this situation and hung up the phone
Consumer complaint received 2021-05-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONGRESS COLLECTION CORP (MI)

We tried for years to get the medical  debt straightened out with XXXX XXXX. We never owed this as it was a clerical error from the doctors office. Our insurance covered the procedure per our policy. Charge was from 8 years ago. They would tell us it was all set as it was 100 % covered by insurance, then contact us a year later to collect again. This went back and forth for a few years with my husband making several phone calls. We then no longer heard anything for years. We assumed they finally got it coded correctly until we found it on our credit. We contacted the collection company who said we had to pay it or face bad credit. We asked to talk to the doctors office but they stated they wouldnt talk to us since it was in collections. We paid it in full just to get rid of it. Our credit was affected anyway.
Consumer complaint received 2021-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Drew Eckl & Farnham, LLP (GA)

I have asked XXXX to give me a payoff amount for a HELOC. XXXX has not given me credit for payments that I have made since XX/XX/2020. I have made payments every month since XX/XX/2020
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

when covid hit i was approved for mortgage forbearance from XX/XX/XXXX to XXXX XXXX i started making payment in XX/XX/XXXX, and was approved for the balance due on my loan to be put on the end of the loan. I started the process in XX/XX/XXXX and was approved in XX/XX/XXXX. I was at that time told it would take 4 to 6 weeks to process my paper work. it is now XX/XX/XXXX and every time i call Citizens One, which is my mortgage company they tell me it is in process and should only take a week or so, it is now 5 months later. every time i call is sounds like the clerk is reading from a script and nothing is being done to process my loan as they have told me was going to be done. i have asked to speak with a supervisor and they will not transfer me. i want to refinance my loan and i can not because Citizens is showing me past due.