davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

DIVISION OF CHILD SUPPORT : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (NJ)

This company is horrible. They disconnected my banking information for no reason and has not allowed me to change it. 
This has resulted in late fees and charges that could have been avoided. I try calling and emailing and get no response! It's like they DON 'T want you to be able to change your info to get your balance paid. They refuse to allow me to change it to get this paid and it has become adverse on my credit reports. This has been going on for MONTHS. Can someone from this company PLEASE CALL ME. I simply want to pay my balance, PLEASE.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (PA)

I am filing a complaint about AXOS Bank. I had made 2 check deposits via a mobile device. I had to photograph 2 checks. I had received emails that confirmed my deposits went through and everything was OK. 3 days later, XXXX of the deposits in the amount of {$88.00} did not go through because of the photograph, and there was a negative in my account because of this. AXOS Bank sent me an email through my account telling me to mail the check to them. I mailed the check to them on XXXX. It was almost 2 weeks and I still never heard the status. I called the bank numerous times for updates and I was told they never received the check back. Somebody dropped the ball because they did receive the check. 
On Monday XXXX, AXOS Bank sent me back the check in the amount of {$88.00}, and a letter telling me the check was negotiated and I will receive the funds in my account in a couple of days. Then I receive a message in my account telling me to mail the check back to AXOS Bank again so they can make the deposit. This is unacceptable. I am out of work and I need this money ASAP. This is poor money management from a bank and poor customer service. I called the company that sent me this check, to reissue it to me again. I am finding a better bank. I also have a dispute for a charge that I never got the service for. 
Axos Bank sent me an email on XX/XX/2024 stating that if I do not bring my account to positive standing, they will be closing my account and will report this to the credit bureau. This is not right. This is Axos Bank responsibility to deposit the customers check into their account. They are playing games with my money. 
I demanded numerous times to speak to a manager or CEO. Every time I called, I was told nobody is available. Unacceptable!! This bank needs to be investigated.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BMO Bank, N.A. (CA)

Since XX/XX/2021 I have been trying to close my IRA account and they keep saying they will close my account and send me a packet to fill out and they havent. It has been a month now and they wont release my money or send me my packet. Please help thank you.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Balance : {$320.00} ; XXXX XXXX XXXX : {$510.00} ; XXXX XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1500.00} ; XXXX  XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX/XXXX  XX/XX/XXXX.
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OR)

Hello, My discover account was abruptly closed without prior notice.Discover gave me reason as ''they were unable to verify personal information on your account. ' I provided them all the info and also signed sign Consent Form 4506-C .It will effect my credit history because of their abrupt closure.Please help me in this.
Consumer complaint received 2021-06-16
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. (NV)

There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my XXXX that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies (TX)

I called Prestige FML regarding this error as you have an email stating that the late payments is due to a system error and you want this to be updated and corrected if not I want to be compensated by Prestige FML for damages on my good credit preventing me from getting a new home. Because all three credit bureaus for the Months of XXXX & XX/XX/202XXXX XXXX
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX 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
Consumer complaint received 2021-06-16
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: BCA Financial Services, Inc. (FL)

In XXXX, XXXX I pulled my three main credit bureau reports. I noticed a collection for a BCA Financial Services , INC . I have never heard of them before. I sent them a letter on XX/XX/XXXX requesting information regarding this debt and proof that it was mine. They sent me a copy of a bill for XXXX XXXX from XXXX. Just had my name, my old address, and an address that I have never seen or lived at before. I did not vacation with XXXX in XXXX so I knew right away this was not my bill. I sent another letter ( XX/XX/XXXX ) asking for more detailed information. I asked for a signed contract, a photo of my ID that I may have given, or even more detailed information. Again, they responded with the same bill. 

Upon my research, there are MANY, MANY people with my name around the USA. So, giving it another shot, I wrote them a third time ( XXXX XXXX ) giving them one more chance to provide actual proof this debt belonged to me. As of XX/XX/XXXX, I have not received a response from BCA of any kind. 

Each time, I asked they remove this erroneous account from my credit. This does not belong to me and it is affecting my credit rating which I have worked so hard to improve and maintain. If they can not provide more proof than a general bill, then this case should be closed. They are violating the FCRA for reporting incorrect information, and now for not responding within 30 days. 

I simply ask this to be removed from all bureaus immediately so we can lay this to rest. I don't want to seek further action. BCA has not done their due diligence in regards to this matter. They have not responded properly to my requests. They have not provided valid proof of this debt belonging to me. Since they have failed to do all of these things, they are required to remove this from my Credit reports.
Consumer complaint received 2024-04-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MI)

I sent an initial wire transfer into XXXX for {$130.00} to test on XX/XX/year>. These funds went through and were accessible immediately, I then initiated another transfer of {$170.00} on XX/XX/year>. The {$170.00} transfer didn't show in XXXX although it was charged from my checking account. I've since contacted XXXX and they stated, " there's no transfer showing on their side ''. So, this brings me to CFPB as a hopeful alternative.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

WorldRemit facilitates identity theft and condones theft on a grand scale, which is precisely why someone operating criminally would be attracted to this company, which declares itself " required by law to verify all of [ its ] customers. '' There is no reason that I should believe that my experience with WorldRemit is unique if the complaints posted on the XXXX XXXX XXXX  website are a representative sample. Laying bare the lie of the company 's claim is the fact that WorldRemit does not bother to verify whether a debit card bearer 's name and identity match the name and identity of the sender of funds. On Monday, XX/XX/2021, two identical online transactions of {$160.00} each were made using stolen information from my debit card between XXXX XXXX to send money to an unknown recipient, seemingly to XXXX. I do not have an account with WorldRemit and have no reason to use their services. 

The line item description on the transaction record with my credit union read " WORLDREMIT XXXX CO XXXX ''. Calling the 888 number goes nowhere since the line is disconnected and XXXX does not correspond to any zip code in the United States. Visiting the website leads nowhere - if you are not a registered user with a login, there are no live links to the chat option and no way to email anyone, which is disabled as a means of contact as of the date of this complaint. Calling the XXXX number, XXXX, leads to an automated message that leads circularly back to the website ; at no point is it an option to speak with anyone with a pulse and a quasi-functioning mind. The absence of responsive accountability communicates that WorldRemit willfully turns a blind eye to theft and illegal transfers of monies abroad.
Consumer complaint received 2021-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

the day I turned XXXX I pulled my credit wanted to see what my credit was showing. when i logged in i saw a collection for a collection company linked toXX/XX/XXXX i filled a dispute and i was removed within a few days. well I got a phone call from another collection company this past week trying to collect again, we told them the account was not mine and that you just turned XXXX and your not responsible well the collection company said i was still responsible. how can i be responsible for something that was opened in my name without my knowledge and prior to me being XXXX this is tied to an address i do not live at. 

please remove this is hurting me
Consumer complaint received 2021-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I received money back from Carnival about a cruise I had purchased that was canceled. I requested on XX/XX/XXXX for my refund to be cashed out and my monies mailed back to me. On XX/XX/XXXX they filled my request per my statement. On XX/XX/XXXX I contacted them via online chat and they created a case number CBR! XXXX XXXX XXXX XXXX XXXX XXXX, about my check being mailed out and assured me that a new check would be issued since I had not received it. They informed me in the chat that it would be 7 to 10 business days and also to check with my local post office about not getting mail. Contacted again on XX/XX/XXXX about still not receiving a refund check and to wait and they told me that 7-10 business days had not occurred and to wait. Contacted on XX/XX/XXXX about still not receiving my refund. They created a new case number, XXXX, and said in 7-10 days they will send out a new refund check and to wait after that another 7-10 days. I asked them to escalate my refund, that as a credit card this would not be acceptable for them, why should I accept it. They said they can not, I do not believe that is is good business practices in returning my money. Money that was refunded to me in XXXX I will not receiving until XXXX, just seems ridiculous. 

I have verified my address with Barclay twice when I have complained. I have verified my account information, I have checked with my post office and carrier. I don't know what else to do.
Consumer complaint received 2021-06-16
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)

This complaint comes forth as I have reached out to Transunion as a victim of Identity Theft, yet to no avail. I am extremely disappointed in their failure to process this dispute as I am victim already of fraudulent acts and currently feel as if I am shouting in the dark.
Consumer complaint received 2024-04-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

Purchased an item in XXXX and never received a bill. They stated we requested paperless. That was not the case. We never received a paper bill or a bill to my email account. They removed some fees but not the high interest charge. The also closed my account for delinquency. Again, I never received a paper or paperless bill. I received a paper notice that I was delinquent. That was my first knowledge of the open bill. After multiple phone calls they wound not remove the interest charges. To resolve the issue I paid {$89.00} for a {$48.00} item. I was then told I may owe accrued interest even after I just paid them. 

A sweater was purchased at Banana Republic in XXXX for {$48.00}. We spoke with Barclay credit card company on XX/XX/2024.
Consumer complaint received 2023-03-31
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update them immediately in my report : XXXX XXXX XXXX  Date Opened XX/XX/2017 Balance {$7900.00}
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX and Citibank froze my checking account randomly for no reason, and I cant do anything with my funds. I demand them to unfreeze my account, I call customer service and they just rudely hang up on me with no solution.
Consumer complaint received 2024-04-24
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MI)

In XXXX, I received a postcard from Navient regarding consolidating my Federal Student loans. I had just had my baby and was not working at the time. My husband was my sole source of income. At the time I had Federal Subsidized and Unsubsidized loans. Navient was my servicer. The postcard made it seem that I was just consolidating my federal loans. I had no idea I was turning them into private loans. I thought I was helping my family. I was struggling with XXXX XXXX and was not in a state to make such decisions. The amount consolidated was XXXX. Although, I am current in my payments, however this has left me in a situation were I am completely dependent upon my husband. There misleading advertisements has left me in a terrible position.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX account # has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. in XXXX XXXX XXXX, a XXXX XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$4800.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.