davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am unaware of all these inquiries, I have called all the companies and credit bureaus and have sent letters for the past 6 months to no avail.
Consumer complaint received 2022-06-01
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. (TX)

In accordance of the Fair Credit Reporting Act the companies below has violated my rights XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  # XXXX XXXX & XXXX # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

A few days ago I started to receive mail from TD Bank and once I opened in it stated I had an account opened in my name. Now the problem is I never opened an account at TD Bank. When I called TD Bank they advise me the account was open on XXXX XXXX, 2022, they perceived to lock the account and advise that I report it.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MA)

Our mortgage was transferred to Truist on XX/XX/2022, with our first mortgage payment being due on XX/XX/2022. At the time our mortgage transferred, we had money in our escrow account to cover the quarterly property tax bill, due XX/XX/2022. Before our first mortgage payment, we called Truist to ensure that the tax bill would be paid out of our escrow account on or before its due date ( XX/XX/2022 ) and we were assured that it would be paid. It was never paid. 

On XX/XX/2022, we received a demand notice from our city for our now delinquent property tax payment due XX/XX/2022, with interest accruing daily and a late fee. We called Truist immediately on XX/XX/XXXX to sort it out, spoke with no fewer than 5 different people and 3 different wholly inoperative machines who were incapable of giving us a direct answer. To be specific, the machines were unable to accept any input, i.e., it would repeatedly ask to enter the account number and then would be unable to read the account number input on the keyboard -- this resulted in hearing a continuous unhelpful loop with no potential to speak with a person or even machine that could help. Further, there were two instances where they transferred us to completely wrong numbers. In other words, they were trying to push us off the phone as they were unable to give us a straight answer or any answer at all. 

We have the money in our escrow account to cover the property tax bill and they told us after we were finally able to speak with someone who knew what was going on that ( 1 ) they did not know taxes were due quarterly in our state, ( 2 ) they would open an investigation as to why they failed to pay them and ( 3 ) to call back on XX/XX/XXXX -- 10 days after the demand bill is due and a month and a half after it was supposed to be paid -- to see if they are able to pay it, but that we could also call next week to speak with someone in their tax department. We then called on XX/XX/2022, and they again provided no information. They said they were unsure what happened and would investigate but not that they would pay our taxes out of our escrow account by the due date. Finally, they communicated to us that their mortgage department and tax department are separate and that while they have the information about our loan in their system, they never took the steps to set up the tax payment that they were required to. Our money to pay these taxes is sitting in their wallets and they will not allocate it to our property tax bill. We are now facing the city putting a tax lien on our property and a mortgage servicer who does not even understand the basics of our mortgage. Truist has effectively stolen our money.
Consumer complaint received 2022-06-01
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NRA Group, LLC (MS)

A third party " XXXX XXXX '' rep XXXX XXXX keeps calling previous employer even thought Ive asked him to stop that I do not work at that office. He called again and told the XXXX he has papers to serve me for debt collections and needed to reach me. The XXXX sent call to me and I told him again to stop calling that office he still argued and would not listen. I then called National Recovery Agency and he also said he wasnt going to tell them to stop calling the employer and wouldnt give me any information on the debt and was laughing
Consumer complaint received 2022-06-01
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On XX/XX/2022 sent {$100.00} using Western Union. The receivers bank in XXXX declined the money. It has been more than a month and WU is not refunding my money. About two weeks ago WU escalated the issue but still no refund and when I emailed them they did not respond. They issued me a reference number via the email they sent me 11 days ago XXXX. 

Here is the information from WU website. It shows refunded but no refund was issued. 

XX/XX/2022 XXXX XXXX Refunded XXXX XXXX  : XXXX XXXX XXXX Track Hide details Edit & resend Payment ________________________________________ Checking ending in XXXX Delivery XXXX XXXX XXXX ending in XXXX Money available : 0-4 Business days
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (CA)

I paid off Speedycash.com and requested ( 2 times this far ) they remove the debt collection by Ad Astra from my credit report. 

Although Speedy Cash assured me the collection would be removed ( in person at their store ) nothing has happened. Its been over a year and Ive not heard from them.
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX  XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX  XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXXXXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XXXX XXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XXXX XXXX # XXXX 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 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I have previously requested from all three credit bureaus : XXXX, XXXX, and EXPERIAN the complete removal and deletion of the Public Records and Inquries listed in my credit file. All three credit bureaus are stating they have verified the information. 

The credit agency has not verified any records as they have stated. They have stated they have verified these records with XXXX XXXX which is a third party verifier. My records with XXXX XXXX have been frozen and suppressed before filing the complaint with the credit agency. In addition I have sent a letter to the aU.S. Bankruptcy court and their response was they DO NOT verify any PUBLIC RECORDS with any credit bureau. ( See attached letter ) In addition I have attached the a publication from XXXX regarding the Law that took effect XXXX. If a bankruptcy is listed in a credit report it must contain the full name, Date of Birth,  and Social Security Number XXXX please see attached publication. 
In addition per law I have requested a copy of documents from the credit agency that they used to verify the Bankruptcy and INQUIRIES listed on my credit report by law they must provide this documentation to the consumer if requested. 

Under the FAair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your files at the time of request comcerning the accounts thaty you are reporting in my credit report. Please do n't respond to my request saying that these accounts have been verified. Send me copies of the documents that you have in your filesthat were used to verify them. If you dont have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under SECTION 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccuracte and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with verifiable proof that yiu have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. Please also delete all non-account holding inquires over 30 days old. I demand the following accounts be promptly verified or removed immediately. 

The credit agency has refused to follow the law and therefore must delete and permanently removed the disputed information from my credit file Sincerely, XXXX XXXX
Consumer complaint received 2021-03-07
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. (AL)

I WENT THROUGH MY CREDIT PROFILE AND I NOTICED AN ACCOUNT THAT DOES NOT BELONG TO ME, I HAVE NEVER HEARD OF THIS COMPANY. I HAVE NO IDEA HOW THEY WERE ABLE TO OPEN UP THESE FRAUDULENT ACCOUNTS IN MY NAME. MY IDENTITY HAS BEEN COMPROMISED, AND THIS IS A VIOLATION OF MY RIGHTS. ITS BEING REPORTED ON MY CREDIT AS IF IT BELNGS TO ME. I DONT KNOW HOW THIS COMPANY DOES THEIR LOANS, BUT THEY ARE IN VIOLATION BY LETTING SOMEONE USE MY INFO.THERE ARE ALSO A LOT OF UNAUTHORIZED INQUIRIES.DELETE THIS FRAUDULENT ACCNT IMMEDIATELY There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''
Consumer complaint received 2022-06-01
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, the following creditors and reporting agencies has violated my rights. 

-- XXXX XXXX XXXX # XXXX -- XX/XX/XXXX XXXX # XXXX -- XXXX XXXX XXXX XXXX XXXX -- XX/XX/XXXX # XXXX -- XXXX XXXX XXXX # XXXX -- XX/XX/XXXXXXXX # XXXX -- No acct name # XXXX -- No acct name # XXXX -- No acct name # XXXX -- XX/XX/XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (CA)

I have provied them 5 times the proof of insurance but still bank when a hed and they fet there insurance and bill me for the paymaent i did paid 2 payment but still bamk has reported in my credit report as a Delinquent account.

Can you please HELP me with probalm.
Consumer complaint received 2022-06-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (FL)

This company has been scamming multiple people, all you have to do is XXXX Consumer Adjustment Co and read the reviews. They have made my first time home buying process a nightmare with their scamming lies. They are claiming that I owe the thousands of dollars that are identical to one another that appeared out of thin air. I need them to be held accountable to what they are doing to hard working people.
Consumer complaint received 2022-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (MD)

On XX/XX/2022 got notification that account was frozen after I transferred {$4000.00} to account from within the banks money transfer system. They pulled the money from my other bank that was linked. I tried calling the number they told me to call but it never actually directs you to a customer service representative it just gives option to leave voicemail. They never respond back or told me reason for freeze.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I paid off my capital one card after my automatic payments because they did not pay the full balance. Then they restricted my card for fraud and my credit score is dropping because of it. My balance is XXXX and they still restrict it with no help.
Consumer complaint received 2022-06-01
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. (MS)

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. 

1. XXXX XXXXXXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # XXXX
Consumer complaint received 2022-06-01
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. (GA)

In accordance with the Fair Credit Reporting act the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX  Acct # : XXXX Account name : XXXX XXXX XXXX  XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

-- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
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 the following have violated my rights : Account name : XXXX XXXX XXXX Acct # : XXXX, Account name : XXXX XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXX XXXX. Acct # : XXXX Account name : XXXX Acct # XXXX XXXX Account name : XXXX XXXX Acct # : XXXX, XXXX, XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX Acct # : XXXX Account name : XXXX XXXX XXXXXXXX Acct # : XXXX Account name : XXXX XXXX XXXX Acct XXXX XXXX XXXX Account name : XXXX XXXX XXXX Acct XXXX : XXXX -- 15 U.S.C 1681 section 602 A. States I have the right to privacy.

-- 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-06-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (AL)

I, XXXX XXXX, have owned XXXX XXXX  accounts with {$10000.00} each one at Discover Bank ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) for many years. Money was withdrawn from accounts ending in XXXX, XXXX and XXXX without my consent. After weeks of calling different departments, and sending them a Declaration of Loss, the money was restored to my accounts. 
Due to the fact that money was withdrawn from my accounts without my consent, not sent to me, as they claim, and I do not consider it safe at that bank anymore, I requested for them to close my accounts and send me either 7 checks for {$10000.00} or one for {$70000.00}. They say that because the money is in XXXX, I have to pay the penalty. 
Even when the penalty after the interest, is low, I do not think I should pay more than what the interest is at this time, or not interest at all. 
Please, help me solve the problem. I do not think I have to pay for somebody misbehavior, since I do not consider it an error. 
Thanks ahead of time for your attention. 
XXXX XXXX XXXX.
Consumer complaint received 2022-06-01
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. (IL)

My credit report seems to show fraudulent activity My name is XXXX XXXX XXXX XXXX. 
social security number is XXXX address : XXXX XXXX XXXX XXXX Illinois XXXX The collections are XXXX {$57.00} XXXX XXXX  XXXX XXXX {$60.00} XXXX {$67.00} XXXX XXXX {$88.00} XXXX XXXX {$170.00} XXXX XXXX XXXX  XXXX {$200.00} XXXX {$650.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX