davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame. 
1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX XXXX XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2024-03-18
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. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-06-02
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-12-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (WA)

SERVE by American Express is a PREPAID card that I used with XXXX XXXX XXXX to deposit my paycheck on. This was the card that I had while at XXXX XXXX and would also use this card to depoist things like my IRS tax refund. What's odd is I had an incident where I believe that someone at XXXX XXXX was using a remote control feature to manipulate the ATM ( which was a legacy ATM ) to cause frustration or deny access to monies that were mine and as a result of my affliation with American Express this ATM was closed and changed out to a new ATM. This could be probable cause for me being targeted by either local Law Enforcement, Federal Law Enforcement, or XXXX XXXX as they used this point of access to gain intelligence on my bankings and financials. I have nothing to hide but this is a point of intrusion that is very disturbibng. 

I have not been able to regain access to this account, close the account due to the number that I had with this account being disconnected, and as such have had a difficult time in closing this account.
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I discovered on XX/XX/23 that my ~ $ XXXX in funds on Binance US is locked for no reason and with no warning, as a result I can not access the money that I desperately needed. I reach out to the company many many times over the past month to no avail- didn't even get a response from them whatsoever, and it's been A MONTH!!!
Consumer complaint received 2020-04-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (MD)

On XX/XX/2020, PNC Bank withdrew {$3400.00} from my checking account for an on line banking transaction to pay XXXX XXXX XXXX XXXX for my Credit Card bill. PNC sent the payment, a check, to in the incorrect address and XXXX XXXX, not XXXX XXXX XXXX XXXX, cashed the check. I called XXXX XXXX XXXX XXXX after I received an email from them stating that they had not received my Credit Card payment. I had to transfer {$3400.00} from my XXXX Savings Account to pay the bill. 
I then called PNC and they stated that there was nothing they could do and I had to submit a fraud complaint and they would investigate. 
I had to submit a complaint after I had it notorized and then called PNC a week later. 
PNC informed me that it could take up to 120 days to resolve this issue. 
PNC sent the payment to the incorrect address and I have to wait up to 5 months to get my money back? This is total XXXX.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-22
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. (CA)

I dont know where to start with this complaint and Im hoping you can help me. I have filed disputes with credit bureaus and I still havent got any response from them. What do I have to do to get an response from them? I thought they had 30 days to reply to my disputes and it has been over 30 days.
Consumer complaint received 2021-03-22
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: Experian Information Solutions Inc. (CA)

The complaint is about Experian. I have a credit freeze placed on each of the 3 credit reporting agencies, and in applying for credit I am removing the freeze from each of them temporarily. While XXXX and XXXX  have provided an efficient means of temporarily lifting the credit, Experian provides a non-functioning website with no means of addressing the problem with them directly. This issue has occurred today, and at this point my credit information with Experian is stuck as frozen. 

See the attached image that doesn't provide the consumer sufficient information for self-resolution.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be corrected from erroneous reporting in my file. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 36 DAYS. I FILLED A XXXX DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (UT)

On XX/XX/2019, I requested a " a single-use personal identification number '' from Experian to grant a creditor a one-time access to my credit report. I also made the same request for my wife 's credit report. I obtained a PIN for my credit report and my wife 's credit report. Gave these two PIN numbers to a loan officer at my credit union and he was only able to obtain my credit report but not my wife 's report. Tried the same procedure again, to get another PIN for my wife 's report and it gave me a message that I had to write a letter to get a PIN number. I tried calling Experian on the phone to see if I could talk to someone about the problems I was having it said I had to write a letter to request a PIN number. I had the same problem a year ago and ended the loan process because it was so frustrating. 
Experian seems to not be interested in talking to me and finding out how to solve the problem I'm having. There needs to be some way to talk to someone at Experian to find out what can be done besides writing a letter and waiting for several weeks to get an answer.
Consumer complaint received 2021-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CA)

This is a follow up to Complaint # XXXX which was opened on XX/XX/XXXX and closed on XX/XX/XXXX. 

I refinanced my loan and the balance with Amerihome was paid in full on XX/XX/XXXX. An escrow refund in the amount of {$4700.00} was owed to me at this time. 

After months of nearly weekly calls with customer service consisting of conflicting information and no resolution, I mailed a notification of error to Amerihome on XX/XX/XXXX. It was received at Amerihome 's XXXX XXXX XXXX XX/XX/XXXX. I never received a response to this notification of error. 

On XX/XX/XXXX, I placed my initial complaint with CFPB, Complaint # XXXX. 
On XX/XX/XXXX, I received check # XXXX from Amerihome that was dated XX/XX/XXXX, but postmarked XX/XX/XXXX. 
On XX/XX/XXXX, I signed and deposited this check with my financial institution, XXXX XXXX XXXX. 
On XX/XX/XXXX, I was informed by XXXX of a stop payment placed on check # XXXX, the balance with immediately rescinded from my account, and a stop payment fee was charged to me. 
On XX/XX/XXXX, Amerihome responded to my initial CFPB complaint referencing check # XXXX. 

As of today 's date, XX/XX/XXXX, I have not received any funds from Amerihome for the escrow refund associated with Loan # XXXX in the amount of {$4700.00}.
Consumer complaint received 2021-03-22
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. (NY)

I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-22
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. (IL)

This account was paid and closed in XXXX. The credit report updated on XX/XX/2021 to show that the balance of {$170.00} was closed and paid. Today on XX/XX/XXXX I received an alert and a credit score drop due to the account showing that I have a {$170.00} increase on my credit report for XXXX XXXX There should be no increase as this account was paid off and closed XXXX months ago. I have attached proof of documentation..
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

I had a Mortgage with XXXX in XX/XX/XXXX they sold the Loan to Bank of America, shortly after I had been with Bank of America, Bank of America send me a letter stating I was 10 months behind, I explained how can that be when I have not had my Mortgage with them for that Long, they explained that I had been behind with XXXX XXXX, I send them proof of my payment of the Months they stated I did not pay, I had made the payments thru XXXX XXXX, Bank of America send me another letter stating they wanted a letter from XXXX XXXX stating that they received the payments, XXXX XXXX send them the exact same thing I send them, Bank of America wanted more from XXXX XXXX, and XXXX XXXX said they have send them all that they can send that is proof of payment received and payment send. I could not get Bank of America to budge, I did not want to loose my Home so I applied for a Modification, Bank of America denied the Modification and I was forced to file Bankruptcy this was in XXXX my Bankruptcy discharged in XX/XX/XXXX. I applied for a Job with XXXX XXXX XXXX and they pulled my credit, XXXX XXXX showed up on my credit report they are showing I am late on the Mortgage XXXX and XXXX, XXXX I called XXXX XXXX and I explained I do not have a Mortgage with them, they told me they Purchased the Loan from Bank of America their Balance showing is {$140000.00}. I had a Balance with Bank of America for {$110000.00} please help me, this is hurting my credit and hurting me from getting a job with any Bank. I can be reached @ XXXX I will be happy to provide my Bankruptcy papers if you need them. 
Thank YouSincerelyXXXX XXXX
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION (NJ)

i have tried to transfer funds from a my XXXX bank account to my XXXX bank account, both registered in my name, and they stopped the transaction asking to provide a document i then provided my passport and the account was verified so i proceded with a fund transfer service from XXXX to XXXX to pay family expenses like, rent, food and similar i placed one by one and then had to cancel the following fund transfers XXXX {$520.00}, XXXX {$520.00}, XXXX {$1000.00}, XXXX {$420.00} since i was still waiting to know the exact amount from a relative of mine in the meantime i have placed another funds transfer this time from my own XXXX bank account to my own XXXX bank account with this transaction XXXX {$420.00} they " XXXX XXXX XXXX department stopped again the tranactio and asked to provide a financial document and they clearly indicated that bank statement must be the statement of the funding source used to place the transaction i have provided the bank statement twice but they know say that " they are not able to confirm my identity '' please note that xoom requested my passport and my bank statement only to say that they can not confirm my identity and that my xoom account will remain restricted they have received so many online complaints and class action, but i think that they need more xoom are a bunch of document collectors without a reason ( because they collect documents but they still they do not reactivate accounts ) so i wan na make sure that consumer finance knows that they have collected my passport and bank statement, with out any reason i will report them on the XXXX privacy law website also
Consumer complaint received 2021-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (NJ)

Credit Collection Services is inaccurately reporting this debt from XXXX XXXX on my credit report. I have asked the company to remove it, and they hae told me it will be removed in XXXX. I have paid the debt with XXXX XXXX directly
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I write in response to an issue with PayPal. I sold an antique bracelet on XXXX, and was provided with a shipping address to XXXX for the buyer. I shipped the bracelet via USPS with full insurance coverage, and after many weeks in customs in XXXX the bracelet was finally received by the buyer. Once she received it, she claimed the bracelet was damaged. I advised her that the bracelet was antique and had some cracks and chips as delineated in the XXXX ad, and further advised her that the bracelet was in customs and it was unknown to me whether or not it had been tampered with. 

Much to my dismay, PayPal debited my account for the full amount of the sale once the buyer opened a case, and left me with a negative balance. I am certainly eligible for Seller Protection through XXXX and PayPal, who are both jointly owned. Most disturbingly, however, is the fact that I never received the bracelet back from the buyer and it seems that her XXXX  account has disappeared. 

I am hereby demanding that PayPal issue a full and complete refund back to my PayPal account.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (CA)

I closed my Axos XXXX account on XX/XX/2021. I originally had my funds with them as my " new house '' fund. I have made an offer that was accepted on a property so now I am trying to withdraw my money. They told me, originally, that the ACH would go out by the XXXX, it did not. They then said it could take up to 10 business days which would make it the XXXX. It still has not been sent. Now they are telling me it will take 5 more business days. I am afraid that they will keep telling me " just a few more business days '' for a long time. And I need my money for my house, or I will lose it. There is definitely something suspicious going on here.
Consumer complaint received 2021-03-22
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. (MD)

I am writing to inform you of an account that is inaccurately reporting false information. The account in question are related to the creditor, XXXX XXXX. I have contacted the credit bureaus ( Transunion, XXXX, and XXXX  ) on numerous occasions along with contacting the creditor, XXXX XXXX. To date, I have yet to receive a response from the creditor, XXXX XXXX XXXX. Under the Fair Credit Reporting Act, the CRA has a certain amount of time -- - generally 30 days but up to 45 days in certain circumstances to resolve a dispute. If the item can not be verified by the creditor within the timeframe, it will be removed from the report. 

XXXX XXXX has yet to provide a response to my initial complaint. However, XXXX, XXXX, and Transunion continue to report these accounts as derogatory on my credit report due to late payments. I have provided all supporting documentation to Transunion, XXXX, and XXXX  requesting that these accounts be removed. These supporting documentations can be seen in the form of the following : ( XXXX ) Correspondence to the creditor XXXX XXXX XXXX XXXX.