davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed. 
Name of the account : US Dept of Education XXXX ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Advance America, Cash Advance Centers, Inc. (LA)

No actions were taken by these companies. 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 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 1681 s-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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-05
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO. (CA)

My money two orders were stolen and the person that stole it deposited it at a local chase bank. The {$1000.00} Money order number XXXX & {$140.00} Money order number XXXX, were stolen, cashed at the local JP Morgan/Chase bank. I went to the chase bank and they won't reissue my money and told me to go to XXXX. I then went to XXXX and they said its the bank 's responsibility and won't reissue me another money order or refund me my money. Both JP Morgan/Chase and XXXX tell me to go to the other to collect. I just want my money, since the money order should not have been cashed, which is the bank 's risk when cashing money orders.
Consumer complaint received 2023-10-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd ()

I opened a Wise account on XXXX XXXX and everything worked fine until XXXX XXXX when Wise deactivated my account for no reason. 
So I appealed and followed the instructions to make a request. 
My account was blocked from that date and no money came in. However, I still have money in my account. 
After making several calls, sending a complaint directly to Wise and calling customer service several times, I still have no answer. 
After several calls, they haven't been able to tell me the reasons for closing my account, and that with the appeal form I was at least going to be able to transfer the money from this account to another account. 
To date I've had no news, no way of transferring my money and they've given me no solution. 
i'm desperate and don't know what to do, i need this money for my business. 
Normally they have to give a reply within 14 days, and I've still got nothing.
Consumer complaint received 2024-03-21
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I affirm that the presence of incorrectly recorded late payment remarks on my account. Every payment tied to these accounts has been punctually executed, and any departure from this precise reporting is unfair and against the law.
Consumer complaint received 2024-03-21
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (TN)

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 statesI have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an a open and consumer credit plan as late for any purpose.

I kindly request the removal of unauthorized inquiries on my credit report 15 USC 1681b ( Permissible Purpose )
Consumer complaint received 2023-03-04
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. (NJ)

I submitted a complaint on XX/XX/2023 to Equifax regarding items on my credit file. I notified Equifax that the items they are reporting are a result of Identity theft. I provided Equifax with an identity theft report an appropriate proof of identity. The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax is not complying with federal regulations pursuant to 15 USC 1681n - non compliance. If the company fails to do what is fair and equitable to me as a consumer by blocking the identified information, i will not hesitate to seek legal counsel and file a complaint with the Attorney General.
Consumer complaint received 2023-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (GA)

Account reported to my credit report as charge off. DISCOVER representative did not give me an option to settle nor dispute the inaccuracies and should be removed and or updated as I did not have an option to correct it before it affected my credit report greatly.
Consumer complaint received 2023-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (MT)

My husband was the holder of the loan for our mortgage at Wells Fargo he passed away XX/XX/XXXX I became successor I got paperwork for it nobody will get back to me on how to handle this they're talking me to do a short sale for less than what I owe on the property I've lived in this property for XXXX  years I'm not willing to give it up I'm current on all payments but when I gave them my last payment it was not put towards the payment I tried paying XXXX and XXXX 's payment back in XXXX and they refuse payment because I was not on the account or the loan and they are charging me late fees. I need help so that I don't lose my home
Consumer complaint received 2021-03-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/XXXX, I called the bank told the teller that someone was taking money out of my account and I did not want it, please dont allow it, she said I c it, its still pining, I said ok stop it dont give it to them, she said as long as its pining I cant do anything, it has to complete, I said but I dont want them to have my money, once it completes they will have my money, she said once its completed u can put in a dispute, I did, 9 days later they put my money back, after 3 months, i go in my account and they had took all my money and said I was overdraft, {$4900.00} was the amount that had been taken at first, they denied my dispute, {$2100.00} was taken by the bank cause thats all I had and they called it a overdraft for the balance, they r saying I overdraft the money, thats not what happened, now saying I have XXXX more in overdraft, thats not what happened
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XXXX XXXX XXXX XXXX XXXX  wrong billing dispute unauthorized charges were not recovered closed account due to improper investigations refusing to fix XXXX XXXX .and payments fees etcs bad deceptive business practices
Consumer complaint received 2023-03-05
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights by reporting late payments to my consumer report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give written instructions to furnish this account on my credit report. Furthmore, 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due and this incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as to remove these lates however, I have not been successful.
Consumer complaint received 2021-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I want to make a complaint with Capital one credit card platinum. I have repeatedly asked about decreasing my interest rate. They have also charged me interest fees for cash advances that they stated had made cash advances of a total of {$220.00}, one of the advances was for {$13.00}, and the interest fee was {$8.00} on XX/XX/2019, at XXXX  XXXX XXXX XXXX I have never been to any credit union name XXXX  XXXX  when I have my bank accounts. I am tired of them .. I want the charges removed and my interest rate to decrease. I pay them on time. They had the nerve to increase my minimum payment to XXXX. XXXX
Consumer complaint received 2022-11-01
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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Consumer complaint received 2020-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (CA)

I went into the unemployment office because i had a change of address, i filed for unemployment a month before coming into the office. I wasnt recieving any mail for any notice of my unemployment filing and have no idea where the benifits are, or if they ere even recieved. Im not getting any help. I revieved a phone number from the offic to call and i was put on hold for 23mins.
Consumer complaint received 2023-10-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Activehours (IL)

I use an application called EarnIn. Earning is designed to send you up to {$750.00} dollars and you have to pay it back the day you get paid from your job. I have used it before and it really helps when you are in a bind between checks and are in an emergency. 

This company has a new feature where you can pay it back early. I selected the option to see if I can be able to make partial payments or the entire payment. Well, I wasnt given the option and was told after selecting the option to pay it back that it was scheduled for the next business day. I immediately reached out the company through their help desk to cancel. 

I first spoke with XXXX XXXX regarding the issue. She asked me if I wanted to use the remaining amount left to withdraw and I said yes. I was then told that the issue was resolved and the payment scheduled for XX/XX/2023 was canceled and to contact them on XX/XX/2023 before XXXX XXXX EST to reschedule the payment. I had confirmed with what I was told and she said it was correct. 

On XX/XX/2023, I woke up to a text from my bank saying that my account is negative {$400.00}. I immediately contacted this company back and spoke with the same person again. She was not fast to answer as this was a serious matter. She then responds by saying it can be rescheduled but you wanted to use the remaking amount left. I told her that she didnt clarify what she meant by using the remaining left over and I thought she was referring to what was already there, not what was gon na be there the next day. I was then told the process was not canceled because of that. 

I next spoke with XXXX XXXX. They were told the whole issue again and also included screenshots of the chat. He then said we can not reverse the funds but we will help you with bank fees if there are any. I explained to him I was told and double confirmed that the request was reversed and now I was being mislead. He was sending passive aggressive comments back and was not really taking care of the issue. I was told that when they brought out the feature, they did not create an override function for situations like this. Once I brought up that they have created a UDAAP issue, thats when everyone started caring more and watching what they are saying.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Dear XXXX, Transunion and XXXX I am writing to dispute the following information in my credit report file. 

The information on the XXXX XXXX XXXX XXXX for {$17000.00} was charged off as bad debt and is inaccurately reporting because it was included in my bankruptcy. 

I am requesting that the item be removed immediately as Section 809 of the Fair Debt Collection Practices Act speaks about statute of limitations for tradelines to appear on credit reports. 

Please reinvestigate this matter and delete the disputed item as soon as possible.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

I had a lot of unauthorized transactions and they closed my account without me knowing and things were never taken care of and my account sometimes was missing money so I'm asking to see if they owe me a refund they owe me a refund on my account and I think my data I think my information on compromise as well as I think we'll follow have part in it I think they owe me refunds
Consumer complaint received 2021-03-03
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc (OH)

I have received repeated phone calls on a debt that I have already paid. I make the agreed upon monthly payments and have not missed a payment. However, I keep getting harassed to set up automatic payments. I have explained that I prefer to make the payments on my own and was told on multiple occasions that I would continue to receive phone calls until I set automatic payments up. They have also noted things that I have not greed upon. For example, the person I spoke with today said that I agreed to pay more money once I received my taxes. I have never stated such and explained that I am only going to make the minimum payment.
Consumer complaint received 2021-03-03
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: ALLY FINANCIAL INC. (TX)

In 2016 I got divorced, and my ex-husband was awarded our XXXX XXXX. I have the signed, notarized paper showing he was responsible for it. He quit making payments on this XXXX, and the dealership came to pick it up. It then went on my credit report as a repo even though he was responsible for it after the divorce, not me. I got a letter from a debt collection agency saying I owed for it. Since it was on my credit report and hurting me, I called the debt collector and Ally Financial to try and get it all resolved so it would be removed from my credit report. I was told If I paid the settlement amount, then the whole account would be closed in full, and Ally Financial would do a paid and delete. I have paid the settlement amount, but Ally has not removed it from my credit. After several phone calls speaking with XXXX XXXX and emails with no responses, I am reaching out to you. My credit is XXXX clear except for this problem thats not even my fault or my responsibility, but Ive taken care of it. I just want it deleted off of my credit report as Ally Financial promised.