davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I tried to make an international transfer ( MTCN : XXXX and XXXX ). The recipient was unable to retrieve the money due to an issue with Western Union. Western Union returned the money, but kept the service fees, which are very high. 
Since the transfer was unable to be completed and it is not my fault or the recipients fault, they should return the fees. 
Below is the response from western union. 



On Wed, XX/XX/2021 at XXXXXXXX XXXX XXXX XXXX wrote : Dear XXXX, Thank you for contacting Western Union . 

Please accept our sincere apologies for the inconvenience you may have experienced in respect to the error which you have received in your money transfer. 

We carefully checked your transaction under MTCN : XXXX and XXXX and found out that the refund has been initiated on XXXX. We are sorry to inform you that we are unable to refund full amount as you need to cancel transaction within 30 minutes of initiating for full amount refund, Please be advised that your refund may take within 5-7 business days ( excluding Saturday and Sunday ) or depending on your bank 's processing time to deposit the funds into your account. 

Should you have inquiries, do not hesitate to contact us back. 

Finally, please remember to bookmark our Help Center page where you can always find the most current information on Western Union products and services. 

Sincerely, Western Union Customer Care ref : XXXX : ref
Consumer complaint received 2021-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

I had purchased an airplane ticket with XXXX XXXX using my Discover Credit Card to fly from XXXX XXXX, XXXX XXXX to XXXX XXXX, FL on XX/XX/2021. 
On the morning of XX/XX/2021 as I was preparing to go to the airport I received an email from XXXX XXXX telling me that the flight was cancelled. I had to buy another ticket at the last minute from XXXX XXXX and I was delayed a whole day before being able to depart. 
I contacted Discover Card and informed them that XXXX XXXX cancelled the flight and that I needed a refund. The Discover representative said it would be no problem to get the refund since XXXX is the one who initiated the cancellation. I uploaded screenshots of the email from XXXX XXXX showing that they had cancelled. 
Discover Card removed the charge of {$170.00} but yesterday they put it back on and when I call they keep me on hold without coming to the phone.
Consumer complaint received 2019-12-13
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. (OH)

I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2021-12-30
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. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00}, XXXX XXXX  XXXX XX/XX/XXXX {$380.00}, XXXX XXXX  XXXX XX/XX/XXXX {$220.00}, XXXX XXXX  XXXX XX/XX/XXXX {$270.00}. Inquiry : US SM BUS ADMIN XXXX XX/XX/XXXX.
Consumer complaint received 2021-12-30
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. (NJ)

XXXX XXXX XXXX XXXXXXXX XXXX ) Pulled a hard credit on me through the credit reporting agencies and lowered my credit score. They did not have any approval to do so. I have ( had ) a card with little to no balance that was good from XX/XX/XXXX through XX/XX/XXXX. 
My card ended in XXXX
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NC)

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. Im unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/2022 I canceled a recurring scheduled transfer in order to add a different account to transfer to ( new account to pay into for Landlord for rent ). Because I added this new account it was flagged by the Fraud Department and the transaction was canceled. I got in touch with the Fraud Department on XX/XX/2022 and they approved the new account to transfer into. 

At that time they told me to wait 24 Hours and set up a new transfer since they had canceled the original transfer set up on XX/XX/2022. 

I tried to set up the transfer on XX/XX/2022 but was unable to do so because the " canceled '' transfer was still in place and it would not let me set up a new transfer as it would go over the " daily limit '' for transfers. I was assured that on XX/XX/2022 the original transfer was cancelled and to wait 24 Hours. 

On XX/XX/2022 ( 24 Hours after the transfer ) I called back and spent ~1.5 hours on the phone with customer service, and they again assured me that the transaction was canceled and I should be able to create the transfer on XX/XX/2022. 

Today on XX/XX/2022 I am still unable to set up the new transfer. No one has been able to sufficiently take care of this issue, and its getting close to the time that rent is due. I also discussed that it seems the issue may be resolved if they could change the " transfer limit '' but they state that this is impossible without any more reasoning.
Consumer complaint received 2021-12-30
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)

I have tried to remove false debt collections that's reporting on my credit report. Both of these companies are showing inaccurate information on my credit report that I know nothing of. I will share documents below to show the letters I sent to the credit bureaus of the inaccurate information and its still reporting to this day. I also sent letters to XXXX XXXX XXXX and XXXX XXXX of proof of validation and haven't received an respond back on their part. These debt are negatively affecting my report which is affecting my life in many ways. I also provided screenshots of how its showing on my credit reports. All reporting different information. I am a victim of identity theft and I'm writing this to dispute information in my file resulting from the crime. Please remove these collections off my credit report for fraud and inaccurate reporting information as soon as possible. I reported the theft to the Federal Trade Commission and also attached the identity theft affidavit. 

- XXXX XXXX XXXX Account number- XXXX Date opened- XX/XX/XXXX Balance - {$6000.00} ( a month ago it was {$5900.00}. How is a balance still going up for an closed account? ) - XXXX XXXX Account Number- XXXX Date open- XX/XX/XXXX Balance- {$16000.00}
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY (CA)

I did some dispute on my XXXX prepaid card over the phone the guy was so unprofessional i was telling him each unauthorized charges and seems like he was ignoring me then he said ok thats it. And then he said ok u will receive an email of your dispute that was around XX/XX/XXXX until now nothing have I recieve in my email this is worst service ever even to get to someone it send u back and back or just hangs up aftet i try to talk to soemone this is ridiculous
Consumer complaint received 2021-12-30
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX DPT EDXXXX XXXX US DEPT ED XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX US DEPT ED XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX
Consumer complaint received 2021-12-30
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)

I disputed with XXXXXXXX XXXX XXXX about a unauthorized Hard Inquiry on my report. I have sent several dispute letters to TransUnion and this issue has still not been resolved. It has now a very stressful and frustrating situation. I sent dispute letters to Transunion and XXXX XXXX XXXX. The first letter to XXXX XXXX XXXX was dated XX/XX/XXXX and the another one dated XX/XX/XXXX. I also sent a dispute letter to XXXX XXXX XXXXXXXX dated on XX/XX/XXXX and received a response letter that was dated on XXXX and another letter on XX/XX/XXXX that stated " ACCORDING TO OUR RECORDS AND THE CREDIT REPORTING AGENCIES ' RECORDS, THERE ARE NO APPLICATION OR ACCOUNT-RELATED INQUIRIES BY US FOR THE DATES YOU HAVE REFERENCED IN YOUR LETTER ''. There is no record of any inquiry made but it is still being reported to the CRA 's. I need this inquiry deleted immediately.
Consumer complaint received 2021-12-30
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed bankruptcy on XXXX XXXX, and my mortgage loan with XXXX/XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

On XXXX we called USAA to report fraud on the account. After multiple days of waiting 3 or more hours for someone to help us, we get a denial letter stating that we were liable for these charges. This is after calling the police, filing fraud charges and telling USAA that the police were waiting for them to contact for an investigation. USAA would not let us talk to the fraud department, and they did not call the local police department to follow up, how did they do a through investigation? This company is a liar and I will make it my mission to deter all my fellow Vets for using this horrible company. They care NOTHING for Veterans
Consumer complaint received 2021-12-30
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. (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 Experian 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 Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (VA)

I just opened a checking account with Ally bank. Because they do not have a virtual debit card I used XXXX to transfer my money out of that account into another account. Thats is literally all I have done since opening this account. My debit card has not even arrived yet. I tried to log into my account and my account is locked. After calling Ally I learned that my account had been turned over to loss prevention. They refused to offer any information on why I have been denied access. I just have to wait. I cant imagine how it is ok for a person to have to be punished bc something looks like it could possibly be some time of XXXX  activity or assuming anything was done with bad intent. I think this is a bit drastic and not fair to the innocent people like me who need to have access to their accounts. I am a single mother and this is going to impact my day to day. I hear this is a common theme with Ally bank. Something needs to change because theyre getting some poor reviews.
Consumer complaint received 2021-12-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-Atlantic Finance Co., Inc. (TX)

Mid Atlantic Finance Company ( a debt buyer ) has indicated that it purchased an active contract from an original creditor which gives them the right to collect from me. 

I have repetitively requested that they provide evidence of the assignment of debt that they claim to have which provides them with the right to collect from me according to the Fair Debt Collection Practices Act. I have NO CONTRACT with this company. They assert that they purchased the debt but they have have not provided me with any documentation which provides them with the right to collect from me. I demand a copy of the assignment of debt or the bill of sale which assigns them the right to collect from me and continue to report this on my credit profile. 

Mid Atlantic Finance Company is in breach of the FDCPA 15USC1692c and 15USC1692d b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 

( d ) Consumer defined For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

15 USC 1692d I demand that this company cease all collection efforts until they have provided me a copy of a contract between me and them and a bill of sale which provides them the right to legally collect from me.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have reached out to all 3 credit bureau to update my personal information on my credit profile. I will attached documentation to prove the removal of incorrect information. I also just found out that several inquiries are also on my report that are fraudulent. According to the FCRA section 611 ( a ) ( 5 ) ( B ) it's a violation to insert deleted items back on to my credit.
Consumer complaint received 2021-12-30
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX