davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
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: National Credit Systems,Inc. (VA)

I sent a letter to National Credit Systems regarding a duplicate reporting error and asked for them to verify the debt with me. I sent this letter XX/XX/2021 by USPS. I have heard nothing from the company. They have made no attempt to contact me via mail, email, or telephone. Since it has been well over 30 days, I believe the account should be closed in order to avoid unfair credit reporting. The duplicate reporting of the same account adversely affected my scores for years and showed I owed more money in collections than I actually did. This cost me countless housing and vehicle financing opportunities.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX  IS STILL REPORTING 30 DAYS PAST DUE FROM XXXX THAT CAN NOT VERIFIED, JUST REPORTING A 30DAYS BECAUSE XXXX IS SAYING I WAS LATE BUT NO DOCUMENTS CAN SHOW OTHERWISE SECONG VIOLATION THE FIEST WAS DATA BREACH. THIS IS THE COMPANY YOU TRUST WITH YOUR INFORMATION!!!!!
Consumer complaint received 2022-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MN)

In American Express ' response to my previous CFPB complaint, CFPB Complaint ID # XXXX, the response dated XXXX XXXX, 2022, American Express writes that they have attached their .PDF file response to the CFPB Complaint Portal for review . Upon opening my complaint and reviewing their alleged resolution, the file attachment is unavailable -- it is grayed out and there is no option to download it or to view it. This is yet another example of American Express ' fraudulent, deceptive and unfair practices, and they have outright lied that they provided a response, when in fact no such response, in the form of a .PDF file, is available for my review. American Express is again engaging in unfair and deceptive practices when resolving consumer complaints, this time by either intentionally not making their resolution XXXXPDF file available for viewing ; not providing their response in another manner than a .PDF file that was not uploaded properly and made available for me to download their resolution of my CFPB complaint ; or someone at American Express is entirely incompetent and doesn't know how to properly upload documents to make certain they are available for viewing and download by the consumer. American Express has falsified and lied in their response to my CFPB Complaint ID XXXX by not providing the documentation they stated they would in order to close out my complaint.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

Experian XXXX and XXXX continues to allow prior lenders to incorrectly report on my credit report. 

I underwent a debt management program - the end of which was supposed to result in the removal of the following accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX is reporting the account as XXXX written off when it was only {$8000.00} XXXX is reporting the account as {$12000.00} written off when it was only {$8000.00} XXXX XXXX is reporting as if they wrote off {$1300.00} when they only wrote off {$800.00} XXXX is reporting they wrote off over {$4000.00} when they only wrote off XXXX XXXX XXXX XXXX is reporting they wrote off {$3300.00} when they only wrong off under {$1700.00} XXXXXXXX XXXX is reporting they wrote off {$4400.00} when they only wrote off {$2000.00} I have disputed this with each individual bureau and they refuse to update the records, yet they continue to allow each of these creditors to update my credit report to reflect additional late pays, delinquencies, and charge off codes that were not present when the accounts were settled.
Consumer complaint received 2023-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ARVEST BANK GROUP, INC. (MO)

XX/XX/XXXX, XXXX social security XXXX using ( 'XXXX  ' ) app. compromised our bank checking account using XXXX to transfer {$850.00} to an unknown recipient. Reported this same day and made police report when realized I had been scammed. XXXX XXXX was name used acting as XXXX  agent. They used Phone # XXXX
Consumer complaint received 2023-01-05
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. (SC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 creditbureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorizedto fail to validate this reporting account as unverified information without providing any proof within the periodallowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listedon my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-03
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. (FL)

I checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.
Consumer complaint received 2020-03-03
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 checked my credit report and noticed several accounts that I believe to be fraudulent. None of these have been solicited or used by me and now they are tarnishing my credit rating tremendously. This is crippling my ability to make the moves I need to for my family like a high paying position which I am more than qualified but this is the only thing that is stopping me. My information was probably stolen due to one of the data breaches but I am not sure and still trying to figure out. Please help my family and I get to the bottom of this so we can move forward from this already thank you in advance.
Consumer complaint received 2023-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (SC)

My complaint is with Trusit Bank. On XX/XX/XXXX I ordered parts from XXXX XXXX for same day delivery. The total was XXXX XXXX Parts were not delivered on the XXXX and were delivered on XXXX instead. I contacted XXXX XXXX to try and get a refund on the fee for same day delivery and instead they provided me with a full refund. Which is the amount of XXXX XXXX They stated that it may take 10 business ' days to post to my account. However, after 10 days I still had not received my money. I contacted XXXX XXXX  again and they stated that the refund had been processed and that it was on my financial institution to release the funds. I then opened a claim with Truist and this was middle of XXXX. Since then I have not received any confirmation about the status of my claim nor have I been given a refund. I have multiple emails and statements from XXXX XXXX detailing I was refunded the XXXX $ but I still have not received my money from Truist. At this pint I need to go above their head because they fail to do anything. Excuse my language but they are a XXXX bank.
Consumer complaint received 2024-03-17
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)

Ive made several attempts to all ( XXXX ) of these credit reporting agencies who has failed to respect and correct my request to correct and delete inaccurate information from the report they are furnishing. 
None of these account or creditors has provided with proper disclosure of 12 CFR 1016.7 - XXXX of opt out notice to consumers ; opt out methods. Therefore, there should never be any reporting of private information, transactions, or income on consumer reports per 15 U.S Code 1618 ( 2 ) ( i ). This company is reporting is my private business which has no permissible purpose per 15 U.S Code 1681b ( a ) ( 2 ). 

I request that my state ID reflect my only address that's reachable to me per United States XXXX XXXX. 

Furthermore, for the following violations listed below and as a result to not remove inaccurate information. XXXX is in violation of the following : XXXX. 15 usc 1681i ( 5 ) - Removal of Inaccurate Unverified Credit Information XXXX. 15 usc 1681e ( b ) - Compliance Procedures Maximum Possibility Accuracy XXXX. 15 usc 1692e - False or Misleading Representation XXXX. 15 usc 1692c - XXXX Theft XXXX. 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third party XXXX. 12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods XXXX. 15 usc 1635 - I always have the right to recission XXXX. 15 usc 1681b - inaccurate false reporting XXXX. 15 usc 1681e ( b ) - Collection must be 100 % accurate across all ( XXXX ) reporting agencies XXXX. 15 usc 1681b ( a ) ( 2 ) - Permissible purpose of consumer reports PLEASE SEE RECENT DISPUTES AND EXHIBITS WHERE VIOLATIONS AND INACCURUCCIES ARE FOUND. 

XXXX IS AN INITIAL CEASE & DESIST ON THE ACCOUNTS THAT'S MENTIONED, COLLECTIONS, CLOSED ACCOUNTS INQURIES.
Consumer complaint received 2023-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (TN)

1.I have never had an account with this company CREDIT COLLECTION SERVICES , REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDIT COLLECTION SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-03-03
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. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$3000.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. I have also attached a notification from XXXX  that this item is deleted from my credit report however, it is still being reported. ) I was searching for a place to live while I was in XXXX and I saw an advertisement for 2bed/2bath apartment. I spoke with Ms. XXXX over the telephone and she showed me the apartment unit on XXXX so I trusted she was showing me the apartment I agreed to rent. I sent her a deposit of {$2500.00} and signed the lease agreement. As it turned out, the apartment she actually wanted to rent to me was a 1bed/1bath unit. ( I have attached a copy of the add she sent me along with a copy of the text message from her. ) I told XXXX I have a family and required a 2bed/2bath unit and that I wanted the unit we had initially agreed upon which was the 2bed/2bath unit. She informed me that this unit was not available. I decided not to rent the place simply because ( 1 ) it was not large enough, and ( 2 ) I was completely misled. Ms. XXXX would not let me out of the original lease that was signed and she would not return my security deposit either. This is fraudulent advertising and Ms. XXXX willfully took money from me under false pretenses. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive. I have never heard of the place. I quickly suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX {$140.00} XXXX XXXX {$3800.00} XXXX  XXXX {$4400.00} XXXX XXXX {$4900.00}
Consumer complaint received 2020-03-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (NY)

I deposited XXXX dollars in Wells Fargo CD. When I tried to withdraw the money, they told us that account no longer exists. 

Therefore, there is no record of our account and they cant give us money back. Basically they lost our money. 

I tried to XXXX their answer and I see that they consistently involved in those practices - stealing money from people. 

And nobody makes them accountable for what they are doing. 



According to XXXXs article published on XX/XX/2018 they stole XXXX from Widow. Also another article from XXXX XXXX XXXX states that Wells Fargo again cant find XXXX dollars CD for another customer. 

https : XXXX I have attached our Certificate of deposit here as an evidence that we deposited XXXX dollars to their account. 

Please help us to get our money back and spread the word about this. I am also going to contact newspapers, news and other departments so that they can spread the word about the bank. This bank needs to be investigated!
Consumer complaint received 2023-01-05
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. (MD)

I called XXXX/Experian/XXXX  after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Account number XXXX Has violated my rights with a incorrect billing error of late payments that posted on XX/XX/2018 and XX/XX/2018 as a 30 day and 60 day late. My rights were violated under these sections these as well : 15 U.S.C 1681 section 602 A.. States I have the right privacy.

15 U.S.C 1681 section A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( A ) ( 5 ) Section state no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 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 responsible cause to believe that the information is Inaccurate.
Consumer complaint received 2020-03-03
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. (CA)

I was trying to trade my vehicle in for a newer model and I was told from my salesman that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on identity IQ and there are many unknown, suspicious items I am not familiar with and some inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report. I have already taken action to prevent anyone else to try and open anything under my social security number. 

XXXX XXXX XXXX {$11000.00}
Consumer complaint received 2023-01-05
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. (MO)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives 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 deleted immediately or I will file for litigation 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 2023-01-05
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: Experian Information Solutions Inc. (IL)

I contacted each number that was listed on the inquiry and they told me that they don have any application requarding my name or social. I also contacted each Credit Bureau Fraud department so they can investigate. They Told me I had to file a complaint with the CFPB in order to get the credit inquires deleted.
Consumer complaint received 2020-03-03
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT ED/XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$9100.00} DPT ED/XXXX XXXX {$3700.00} DPT ED/XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX  XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX   XXXX {$660.00}
Consumer complaint received 2022-01-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. ()

Good afternoon, I made a money order on XX/XX/XXXX for XXXX euros for the worldremit company, this money order was never received by the right person and after asking so much for the money to be returned without they do not. Call today to ask about this case and although on XX/XX/XXXX they said that they would return it to me, today they tell me that they still do not know what will happen with my money, please I need your collaboration. I pass all the money order data and captures of the conversations that I have had with worldremit by email and the conversations via chat with XXXX, the receiving company. thank you