davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Mezu, Inc (CA)

XX/XX/2023 I added XXXX to my XXXX XXXX XX/XX/2023 I wanted to transfer {$140.00} to my XXXX XXXX from XXXX and it was declined XX/XX/2023 I tried again with a different amount {$140.00} and it declined. 

XX/XX/2023 I Called the card services and they took the block off and said I could use it again to transfer. 

XX/XX/2023 I tried to transfer again to XXXX XXXX from XXXX and it declined XX/XX/2023 I call the card service again and now theyre telling me that my card has been deactivated!!!! 

I need my money now!!! Everything I tried to do is in my name so I dont know why I would have problems transferring any money to my accounts that have my name all over them!!!! Nobody has helped me with this and I just want and need my money. The card support service just tells me the same thing and thats to go on the website and email support so they can help. I dont have time for waiting anymore. Ive had trouble with this XXXX by XXXX XXXX XXXX the very first day I opened an account. Theyre horrible service an Ill never recommend them. Oh and this isnt the end of it, I cant get into the app now all of the sudden!!! XXXX this company XXXX!
Consumer complaint received 2019-02-08
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. (NY)

I HAD A HARD INQUIRY UNAUTHORIZED ON XX/XX/2018 BY XXXX XXXX SPOKE WITH THE COMPANY AND TRANSUNION BUT STILL HAS NOT BEEN REMOVED.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern and frustration regarding the repeated attempts I have made to remove fraudulent items from my credit file. Despite my persistent efforts and submission of supporting documentation, these fraudulent items persist, posing a significant threat to my financial reputation and well-being. 

As a responsible consumer, I have taken all necessary steps to dispute and remove these fraudulent items from my credit report. However, it is disheartening to see that my efforts have been met with little to no progress, leaving me vulnerable to potential financial harm and identity theft. 

I urge your immediate attention to this matter and request that you expedite the investigation and removal of these fraudulent items from my credit file. It is imperative that your organization takes swift and decisive action to rectify this situation to ensure the accuracy and integrity of my credit report. 

Furthermore, I request transparent communication and regular updates on the progress of this investigation until it is satisfactorily resolved. I also expect your organization to implement measures to prevent similar fraudulent activities from occurring in the future, thereby safeguarding the financial interests of consumers like myself. 

Failure to address this issue promptly and effectively will leave me with no choice but to seek assistance from regulatory authorities and consumer protection agencies. I trust that you will take this matter seriously and prioritize its resolution without further delay. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries Included in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I filed a claim with Bank of America Pre Paid Visa connected to my Maryland Unemployment Benefits and Pandemic Relief account in XX/XX/XXXX. The claim was for unauthorized charges due to the theft of my card. The claim was supported by a police report. I contacted customer service over 20 times and spent hours on hold just to be denied 2 months after the claim was made. 

It didn't make sense to me that after closing my account twice without notice " for my protection '' causing me to go months without my benefit funds, how Bank of America could deny my claim when ACTUAL FRAUD HAPPENED??? 

I just read an article about CFPB fined Bank of America XXXX XXXX for closing accounts for no reason and denying benefits to us for months. That's why I decided to make this complaint. 

Just recently, on XX/XX/XXXX I called BOA Pre Paid to reopen my claim. After doing so I was told someone reopened my claim XXXX XXXX XXXXXXXX. I don't know who did that but the agent named XXXX said that my claim had been reopened and HAS BEEN IN PENDING STATUS FOR ONE YEAR. 

I have email threads with many people about this incident. I can forward every piece correspondence to CFPB but I don't know where to attach or the correct email to forward this messages and emails. 

Please help me rectify this issue. BOA Prepaid claim number XXXX. XXXX XXXX. 

Again, they closed my account for fraud protection ( for my protectio ) but when actual fraud happens I get denied the money the was stolen. 

Thank you
Consumer complaint received 2022-08-18
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. (SC)

I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed because, according to 15 USC 1681 : I have a right to privacy and I did not give Equifax permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX {$24000.00} XXXXXXXX XXXX XXXXXXXX XXXX {$13000.00}
Consumer complaint received 2022-08-18
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: SYNCHRONY FINANCIAL (MI)

On XX/XX/2022 I reviewed a copy of my credit report and noticed the following information regarding inquiry below to be in error. Per the Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 

The following inquiry is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 

1. PAYPAL SYNCBPAYPAL I reached out to Paypal who was not of any assistance to address this issue and directed me to contact the credit bureau to delete this inquiry from my credit report. 

I contacted XXXX to investigate and provide evidence that Paypal says that they have pulled my credit report with my permission, then I exercise my legal right to ask for verification, including : 1 ) Name and title of the person who pulled my credit. 
2 ) Date they purport that I gave permission.

3 ) Method they purport that I gave permission. Please include documentation of said permission. 

XXXX sent a response explaining why the inquiry is on my credit report and didnt appear to investigate this matter at all.
Consumer complaint received 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

Rushmore along with XXXX XXXX XXXX is serving as trustee for XXXX XXXX XXXX XXXX XXXX XXXXXXXX is attempting foreclosure on my property with unclean hands and fraudulent assignments that dates by as from mid XXXX XXXX XXXX is well known XXXX XXXX notarize the assignment dating XXXX fraudulently conveyed the first assignment. The assignment was created after the cut off date of the first trust filed with United States securities exchange. The polling and service agreements section 201 clearly states that all mortgages had to conveyed 90 days prior to the cut off date. These assignments are aIl fraudulent and fraud cant be the basis for obtaining a deed. The notary XXXX XXXX XXXX was apart of both Federal and State Court cases. The Vice President that signed are not bank presidents. The are simply Robo signers.I sent a XXXX XX/XX/XXXX and they havent responded. I sent a notice of default and I havent received a response. I requested the XXXX accounting and they didnt even acknowledge my request. They are also guilty of violating Federal dual tracking laws. I requested assistance submitting all of the documents and while collecting loan modifications documents they referred my loan to XXXXXXXX XXXX XXXX XXXXXXXX. This was clearly Dual Tracking.
Consumer complaint received 2019-01-29
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

These creditors have pulled my credit without my consent! Im attaching the screenshot of the creditors that are pulling my creditor! 
Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX See attachments  all arent consented
Consumer complaint received 2019-02-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: LoanCare, LLC (SC)

Four phone calls and a faxed letter requesting the payoff amount on the loan. Attempted to payoff balance online but it was rejected because it exceeded their " limit ''. Attached is a letter that was faxed requesting for the payoff amount. As of XX/XX/2019, still haven't received a payoff amount from them ( XXXX bank / Loancare )
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a letter to XXXX, Transunion and XXXX on XX/XX/XXXX, How ever the credit beureas said the completed the investigation and everything was 100 % accurate. 

15 U.S. Code 1681a - Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to and ho it was completed
Consumer complaint received 2019-02-08
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

On XX/XX/2019, the request was made to apply for an auto loan with a specific lender with whom I've already had an established positive lending relationship, being XXXX XXXX XXXX. 

It had been made clear that a security freeze was in place on my credit for safety purposes and avoidance of abuse of process. 

In good faith, I temporarily lifted the credit-freeze for 24 hours with XXXX  for the dealers to contact the requested lender who approved the loan in the amount greater than what was requested. 

The dealers subsequently proceeded to create an additional 7 to 10 hard inquiries against my credit score by other lenders despite my choice lender already approving the loan for a greater amount than requested and without my knowledge or consent. Immediately following this action, the dealers demanded I unfreeze an additional credit profile with XXXX  where they posted additional hard inquiries against my score without reason. XXXX  was lifted for 24 hours at my request, however, upon leaving the dealership without my vehicle, I discovered that the XXXX  freeze had been held open against my request of 24 hours by the dealers who were intending additional postings against my score unnecessarily. 

The dealers refuse to release the vehicle me under the disclaimer of insurance until the hard inquiries had in fact been declared as posted to my account greatly reducing my score. 

The following action was not only unnecessary but heinous.
Consumer complaint received 2021-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

hello to whom this my concern I have tried taking care of this matter but customer service wouldn't take care of it so I'm reaching out to you guys I have these inquires on my credit report that I did not request and need you guys help to resolve this matter
Consumer complaint received 2022-08-18
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)

I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ) Account Name XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation
Consumer complaint received 2023-08-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (TX)

I have tried many different ways to pay this mortgage company Mr. Cooper or Right Path. I have written out a time line of sorts and made several attempts to pay them sometimes twice monthly. I receive text messages and inbox messages through the company telling me it has been paid. I can see at times they have taken the payment and then reversed the payment. I have paid my bank fees and fees with them. I have tried using my bank to pay them which my bank will not do anymore, tried auto pay, tried calling it in and scheduling payments. Nothing is working and now they are telling me I am delinquent. I have a feeling they are deliberately trying to get my house foreclosed on. I am filing this complaint as a first step and will be looking at getting an attorney next if I cant get the help I need. I have documentation of all correspondence.
Consumer complaint received 2022-09-06
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. (GA)

XXXX XXXX XXXXXXXX is reporting information on my credit report that is NOT permissible and inaccurate. They have violated my consumer rights under FCRA 15 USC 1692g, 15 USC 1681 ( 2 ) ( a ) ( i ), 15 USC 1681b. 

I have documented XXXX attempt for XXXX XXXX XXXXXXXX to cure the errors. However, they have been unwilling to fix these errors. 

See attached.
Consumer complaint received 2022-08-18
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. (IL)

Hi I am submitting this 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 XXXX has me at a score around XXXX. 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV INC. (OH)

A transaction for the amount of {$840.00} was made in cash at this location, threw a system called CheckFreePay. The following payments were for utility bills, both entities confirmed that these transactions were not found or made.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XXXX  continues to report my personal identifying information incorrectly and refuses to correct it, despite my repeated requests. More specifically, XXXX is reporting my social security number incorrectly. I have been trying to correct this error with XXXX  for more than a year, to no avail. I have sent XXXX  a copy of my birth certificate, social security card, proof of address, and drivers license to identify myself however XXXX  continues to send the same letter indicating that they will not correct the information due to reporting from Capital One. I then reached out to Capital One regarding the trade line they are reporting on my credit profiles. Capital One continues to indicate that they are not reporting the incorrect information that XXXX  alleges and they do not understand why XXXX is reporting the information incorrectly. XXXX is the only CRA reporting my social security number incorrectly. Both XXXX and XXXX have my social security number listed correctly ( see attached ). XXXX  is out of compliance with the law. Its willful noncompliance has been a major financial hardship in my life as I have been denied lines of credit, housing, insurance, and other consumer products due to the unmatched social security number. XXXX refuses to complete a real investigation and properly verify my personal information as required under FCRA. They have sent the same letter in response to my request for correction on two separate occasions ( first on XX/XX/XXXX and again on XX/XX/XXXX ). I have continued to call Capital One, to no avail. They report that they have not provided the incorrect social security number that XXXX  is reporting.
Consumer complaint received 2019-02-08
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. (OH)

I had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.