davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (SC)

Last year I had a total of 4 cases of fraud! One being an accident, and the rest out of my control! The accident was an incident reported as fraud when it shouldve been reported as a dispute where a store wrongly charged me. It was never settled since I wasnt able to find the receipt. Thats fine. Another charge of XXXX $ happened when I lost my debit card ( only lost it once! ) I then had to wait a few days to dispute what I had noticed because it HAD TO POST before any dispute! There was an {$80.00} and another charge of a price Im unsure of, from Cash App, where My account was hacked while my debit card was still linked! Sent proof in of that and also how the account was closed. However they decided to disable my debit card for a year! After I was disrespected by NAVY FEDERAL CREDIT UNION. Supervisors have hung up on me, fed me false information, disrespected me, and refused to answer specific questions! Even had a supervisor named XXXX that kept muting my call along with loud children screaming in the background! I have another navy federal member that will be making a report. I was informed by that member that he also once experienced large amounts of fraud! HOWEVER, he NEVER lost his card privileges! Now that is discrimination. I got penalized because someone stole from me, but when it happened to someone else they were taken care of. This is just one of many reports!
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (LA)

Midland Credit Management XXXX : Consumer Support Services XXXX XXXX Big XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX, I have recently received a notice that Midland was zeroing out the account in their office that was falsely reporting to my consumer report. Since XX/XX/2021 I have written proof of Midland refusing to remove this inaccurate information or stop trying to collect on the alleged debt as they stated they had proof I owed anything to Midland. I also requested Midlands contract directly with XXXX XXXX Bank as I know that this company purchased that debt thats already been written off and was attempting to collect it from me illegitimately. 

I have not now, nor have I ever done business with Midland Funding. For them to park this inaccuracy and lie about investigating it and refusing to remove it is willful noncompliance with the FCRA laws. I have already reached an agreement with the XXXX XXXX XXXX XXXX for their roles in allowing you to furnish this information without my written consent and against my continued efforts to remove this account. 

Now that it is removed, I demand that Midland pay me what is owed to me according to law. I have actual damages and there are {$1000.00} violations attached to each time is was reported. Each month is a separate violation, and I am giving this company one opportunity to cure this situation, or we shall allow a federal judge to look at all these deceptive forms that have been mailed to me over the past year in support of your wrongdoing. It all stems from the false misrepresentation of Midland on my consumer report. I am due justice, and you owe me Civil Liability for every month it reported on my consumer report. I am willing to settle for XXXX and you do not have to pay attorney fees, or we can add my consumer lawyer to the situation and under the FCRA you will pay him as well. Your choice. 
I have dealt with this harassment for long enough. For far too long my character has been defamed by the comments left by Midland on my reports against my efforts to resolve the situation outside of XXXX court. I expect a settlement offer within XXXX  days of this notice or further legal action will be initiated. 
I have enclosed XXXX pieces of evidence that proves just how long I have been fighting and the type of response and willful non-compliance I was getting from Midland in response to my disputes. You should be ashamed of yourself XXXX. Talk Soon.
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

On XXXX I mailed a notarized affidavit to PORTFOLIO RECOVERY ASSOCIATES , LLC asking them to provide verification, validation and authenticated accounting information for an alleged debt listed on my consumer report. So that I may study all evidence regarding the alleged debt. As of today 's date, I have not received the requested information or any correspondence. PORTFOLIO RECOVERY ASSOCIATES , LLC is refusing to terminate enforcement and collection of the alleged debt or provide proof. On XXXX PORTFOLIO RECOVERY ASSOCIATES , LLC were mailed a notarized notice of default Affidavit for noncompliance. They are in default and I will be filing a court claim in one week. I am reporting them for violating my rights as a consumer, FDCPA and UCC.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY (CA)

I applied for a line of credit and the reason for the denial they said they couldn't verify my business. They didn't reach out but just sent a email. I asked a manager and ask can I submit my business license to verify he said no
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2022-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding Unauthorized Inquiry on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal. This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.
Consumer complaint received 2017-09-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

Hello, I am filing a complain against Moneygram money transfer services. I have used Moneygram in the past using a live agent to transfer money, and never had any issue. On XX/XX/XXXX I tried sending money using Moneygram online service but the transaction was declined. I had called the customer service for help, and they asked to try again, and again it was declined. On XX/XX/XXXX, I decided to go to an agent to send the money, but could n't do so - the transaction was declined there as well. I then called the Moneygram customer service, and they told me that I can no longer use Moneygram to send money, and I should use other service - they did not provide me with any reasoning on why I can not use Moneygram service. And the customer service representative was extremely rude on the phone and not willing to answer any of my questions.
On XX/XX/XXXX, I checked my bank statement, and noticed that {$2500.00} was deducted from my checking account by Moneygram. I called Moneygram right away to find out why the money was taken out of my account, first, they denied it. I then sent them with a screenshot of my bank statement as a proof that money was taken out of my account. They would n't talk to me on the phone. They are extremely rude over emails. They take money out of my account without my knowledge - this is unacceptable! Also, when I call the customer service to find out when I can get my money back into my account, they said within 72 hours. But, when I emailed XXXX XXXX, they told me it could take 10-12 days to get my refund. I am hearing two different things from the same company. And the customer service and support teams are extremely rude over emails and phone.
At this point, I will no longer be using Moneygram for transferring money, but I need my money back into my account. I am getting very frustrated dealing with Moneygram. I have been emailing them since XX/XX/XXXX and they are not responding well to any of my inquiries. I have never experienced this before. I work for a XXXX XXXX XXXX XXXXy, and I know how important it is to hold your reputation and your consumers trust. I am really disappointed to say that Moneygram does n't hold any of these values. They do n't respect their customer and do n't care to provide them with a valid reasoning as to why someone can not use their service. I still do n't know why I can no longer use Moneygram service I need your help to get my money back from Moneygram. {$2500.00} is a lot of money and I need this money back into my account as soon as possible.
Please help.
Regards, XXXX XXXX
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Cuzco Capital Investment Management, LLC (FL)

The company called my job and embarrassed me by not being professional. They called my phone and would not identify themselves then threatened me with law suits and hung up in my face repeatedly. They laughed and mocked me and wouldnt let me speak. They wouldnt verify the debt after I asked them several times. They caused me great XXXX  distress
Consumer complaint received 2022-02-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

In XX/XX/2021 I paid XXXX installment loan payments online via the companies mobile app. I made both payments and on XX/XX/2021 I went onto the pay to pay XXXX payment. I noticed that after getting charges for the banks paid premium checking account that I having issues with funds being moved into the checking and savings account causing late payments and multiple over draft fees. I attempted multiple times resolve with the branch and was able to recreate the issues multiple times for the online support and in a branch but the bank refuses to remove the error of the incorrect reporting. The bank via the app does not provide any confirmation numbers
Consumer complaint received 2023-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC (FL)

FIRSTSOURCE ADVANTAGE LLC They spelled my name as XXXX XXXX ( means dead person ) the STRAWMAN. I Sent them ucc codes for the bill which is a check. I asked for a confirmation of debt. The only only only legal confirmation of debt is wet signatures. This company said my debt was confirmed. I asked by who, what company, name of person, title and how was it confirmed by which method. As of today the question still is not answered. These credit card companies write the debt off XXXX percent and then they sell it and get paid again. Am I lost this is double billing. More fraud. The privacy act of XXXX states I must give my authorization or permission to publish my personal information and I did not. I sent a affadavid of all debts are prepaid. This fake credit swap needs to be zeroed out. What you call a bill is really a check. I am willing to go to court and represent myself. If a lawyer represents me it means I am a dead person. I am going to file a XXXX tax form as a whistle blower. You are all billing the bond and saying please send check or money order. You then cash the volcher and my second payment. This is double billing and illegal.
Consumer complaint received 2023-02-08
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. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

Hello my name is XXXX XXXX and I have new and updated information on Experian. I recently submitted a complaint about not being able to obtain my consumer report from Experian where I provided proof of social and proof identity yet Experian continues to noncomply by reporting inaccurate and unverified personal information. The inaccurate and unverified personal information is attached a combination of misspelled names, unverifiable address and employments. I am not sure why Experian asks for verification but do not delete the inaccurate information. 

Please see attached exhibits of inaccurate and unverifiable personal information after I have provided actual proof of identity and social with the correct spelling and provided the most updated address. Experian has ruined my reputation and caused me emotional distress. I have not been able to receive communications because of their constant inaccurate reporting of unverified addresses.
Consumer complaint received 2023-12-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (ID)

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX XXXX XXXX XXXX XXXXXXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-02-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting my XXXX XXXX XXXXXXXX XXXX closed account incorrectly as settled, potentially negative with late payments. This account was opened in XXXX and was closed due to the store closure and the balance on the account was paid as agreed and never late. After I settled the balance with XXXX XXXX  making all payments on time as agreed I was notified by Experian my credit score had dropped XXXX points and when I checked my Experian credit report it reported the account as closed, settled, potentially negative with late payments. I opened a dispute with Experian in XX/XX/XXXX and was told the reporting is correct and I was referred to the merchant. In XX/XX/XXXX I received a letter from XXXX XXXX stating the account was being reported incorrectly, the account was settled with an XXXX XXXX, and a request was sent to the credit bureaus to remove the past due history. I have made several attempts to have the incorrect reporting changed, even after sending a mail in dispute with the letter from XXXX XXXX to Experian via certified mail.
Consumer complaint received 2022-10-29
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$80.00}
Consumer complaint received 2024-03-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments
Consumer complaint received 2022-10-29
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX