davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (DC)

On XX/XX/2020, this company added 2 accounts in collections to my credit report. I disputed both of the accounts since I had no idea what they were related to. One account was removed since it could not be verified by XXXX. The second account was deemed accurate. I just received notifications of the outcome from XXXX  today, XX/XX/2020. I proceed to call Aargon so that I can find out what this account is related to. The rep could not provide me with any information that I requested so he stated that he would have to request more information and that he would have to call me back. I told him that I would like a copy mailed to my address on file. He let me know that that was not going to happen since it is personal information. This is interesting that this account is attributed to me but no one can provide me a hard copy. He proceeded to get irritated. At this point, I asked to speak to a supervisor. I was placed on hold, a message came on stating that I need to leave a message and the phone disconnected. I am not sure how I am expected to be responsible for something that is allegedly related to me, but I can not receive information on it.
Consumer complaint received 2018-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was a victim of Hurricane Irma in XX/XX/XXXX. My mortgage was put into forbearance until XX/XX/XXXX. I had damage to my home and lost employment over the storm. Once my mortgage was taken out of forbearance in XX/XX/XXXX, I was reported late to the credit bureaus. I was also reported late during forbearance and was sent to dept collection agency during forbearance. I was told that I had to pay back all the past due in one lump sum or risk foreclosure on my home. I informed my mortgage servicer that I could not pay that and requested a loan modification. It took from XX/XX/XXXX- XX/XX/XXXX to get my loan mod complete, all in between I was reported late for 7 months on my credit reports. XXXX XXXX  owns my mortgage and I opened up a claim with them. After some time, I was told by XXXX XXXX that the way this mortgage serve handled my account was incorrect. XXXX XXXX contacted my mortgage servicer and informed them that per XXXX XXXX guideline, I should not of been reported late during any of this and that the negative reporting was to be removed from my credit. This is not the case. I have filed disputes directly with the credit bureaus, and my mortgage services keeps sending over false/incorrect information when I dispute it. My family has suffered financial hardship over this, my credit is now trashed. I also suspect that this servicer has falsified their service records as now my account seems to show different information according to the customer service reps that service the account when I contact them. I can prove that incorrect information was sent over to the credit agencies, and I can also prove that this servicer has broken RESPA  and XXXX XXXX guidelines. I am also aware of the on going lawsuit against this servicer which pertains to the unlawful practices ( RESPA/ Guideline Violations ) filed by former employees that were fired from the servicer around XX/XX/XXXX for whistle blowing. I find it very strange that this was around the time, XX/XX/XXXX when I starting having problems with them. I can prove that they have not followed guidelines with all the docs that I have. Please help, this is not right. 

Servicer Below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Kratochvil Law, P.C. (MI)

Out of the blue I found a packet taped to my door that was out of date saying that a car in my name had been repod and was totaled that they were having an auction or something of that nature that I would owe the rest of the balance
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax is not able to find my credit file and there is no problem pulling it from XXXX and Equifax. I have credit history of 8 years with mortgages, car loan, and 8 credit card. 
I have spent total of 150 min with them on phone with resolution except them saying you do not exist!. I am in process of buying a home and can't close until Equifax can provide me my credit report. 
Also, I use XXXX XXXX for personal use and they pull data for Equifax and its visible to me.
Consumer complaint received 2022-03-17
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: GOLDMAN SACHS BANK USA (WI)

Name of the Credit Card ( Apple Card ) Prior purchasing an XXXX from XXXX XXXX, Apple Card was contacted to inquire about their card cash back policy. I called, was informed that it is XXXX XXXX. I ordered my XXXX, using Apple Card, but suddenly I found the expected cash back XXXX XXXX. I called again, but they apologized, then decided to return back merchandise, expecting that would be the end of the transaction like any other credit card. 

But, surprised to find out that I was in debt of over {$40.00}. My credit report was affected, and I file a dispute with the XXXX XXXX XXXX " XXXX '' which they advised to call Apple Card. I have called Apple Card repeatedly, but got nothing to understand when listening to their explanation, except they not only the Apple Card by itself, but its derivatives like XXXX XXXX, Daily Cash,... etc. which I have nothing to do with all of that. 

Moreover, when I tried to pay my XXXX service charge of {$1.00} which should be paid by my XXXX XXXX XXXX XXXX Credit Card, it's automatically charged to Apple Card, which I have no clue about the monopoly of Apple Card to swallow any purchase transaction done by XXXX XXXX, as I have not agreed to any of these limitations. 

Please be advised that, finally Apple Card made an adjustment to XXXX Balance when I tried to get help from XXXX XXXX " that is what I thought ''. Few days later, I was also requested to make a last payment made by Apple Card of {$1.00} for XXXX charge which I did by sending a check to the Apple Card address. 
Unfortunately, this is followed by receiving repeated messages on my phone requesting payment of unknown earlier balance ( over {$40.00} ), which I repeatedly responded that this is unearned money I can't pay, and requested the termination of my card, as well as, stopping further harassment. but, they opt to continue. Naturally, my XXXX XXXX is negatively affected. 

As a XXXX XXXX XXXX senior citizen, your assistance in putting an effective end to these infractions directed to consumers is appreciated.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC (CA)

Good day, my Client Id : XXXX & XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX. I was to receive {$1700.00} from CELSIUS NETWORKS, LLC, I receive a email from XXXXcelsiusXXXX to withdraw funds and I did as instructed only to receive an error message, no funds were withdrawn. I replied to CELSIUS NETWORKS, LLC email and it returned undeliverable and I reached out to the helpdesk as stated in the email and it was an invalid link. The email ( see attached ) also states the withdrawal is only valid 24hours, but CELSIUS NETWORKS, LLC is not able to be contacted in case any issue with withdrawing funds. This is not right that CELSIUS NETWORKS, LLC does not give the customer a chance to withdraw funds or contact them in event of error. So CELSIUS NETWORKS, LLC is holding {$1700.00} funds. How can I get my funds withdrawn? Please help.
Consumer complaint received 2023-08-01
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. (TX)

TransUnion Consumer Relations XXXX XXXX XXXX  XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Dear TransUnion Consumer Relations, I hope this letter finds you well. I am writing to address a matter of utmost importance that requires immediate attention. I recently obtained a copy of my credit report from TransUnion and discovered several hard inquiries that are not associated with any accounts I have opened or authorized. I am deeply concerned about the potential financial harm these inquiries may cause me, and I kindly request that you remove them from my credit report.

As you are aware, my credit report plays a crucial role in determining my financial well-being and my ability to secure credit. It is essential that the information contained within it is accurate, up-to-date, and reflects my true creditworthiness. However, the presence of these unauthorized hard inquiries has a direct negative impact on my credit score, making it more difficult for me to obtain credit on favorable terms and potentially resulting in financial harm. 

I have thoroughly reviewed the terms and agreements provided by TransUnion, and nowhere do they indicate that you have the right to include unauthorized hard inquiries on my credit report. Therefore, I kindly request that you adhere to your own terms and agreements and remove these inquiries immediately. 

I understand that errors can occur, and I trust that TransUnion values the accuracy and integrity of its credit reporting services. Therefore, I kindly request a thorough investigation into this matter to determine the source and legitimacy of these unauthorized hard inquiries. I would appreciate being kept informed of the progress made in resolving this issue. 

Please provide me with written confirmation once the unauthorized hard inquiries have been removed from my credit report. Additionally, I request that you provide me with a free copy of my updated credit report after the removal has taken place, in order to verify that the corrections have been made accurately. 

I would like to take this opportunity to express my gratitude for your prompt attention to this matter. I firmly believe in TransUnion 's commitment to fairness and accuracy in credit reporting. I trust that you will investigate this issue diligently and rectify the situation accordingly. 

Thank you for your time and cooperation. I look forward to a swift resolution of this matter. 

Yours sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2020-09-23
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. (FL)

I continue sending mails and dispute to Experian regard these unverified and inaccurate accounts on my credit file. I've attached the items and the reason for the deletion
Consumer complaint received 2018-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I deposited a check into my checking account at my bank 's ( Bank of America ) ATM on XX/XX/XXXX. The bank put a hold on the check. They would not release ANY of the funds to me. I checked with the issuing bank for the deposited check and they deducted the funds from his bank on XX/XX/XXXX. I went into the branch where I deposited the funds and they said I have to call customer service, they have nothing to do with the ATM. It is BOA and they have nothing to do with the ATM at their branch! I have been calling the customer service number at BOA every day to ask them to release the funds and they keep giving me the run around that they have to verify the check, they don't have the funds from the issuing bank, the issuing bank has not informed them that the funds are available, the funds have to go through the Federal Reserve before it gets to them, they need to validate the funds from the paying bank, the check is still being verified, the funds have to be validated, etc. etc. etc. I have even spoken with several supervisors and they tell me the same thing. 

This is not the first time they have done this to me. I deposited a check from my mother to my account at a BOA ATM on or about XX/XX/XXXX ( I can get you exact dates if you need them ) and they deducted the funds from her account the next business day and they still did not release the funds to me until 10 days later.
Consumer complaint received 2018-12-23
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. (MA)

The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (GA)

I recently reviewed my credit report in the month of XX/XX/2023, and noticed a lot of mistakes with the information on my report. I reached out to the credit bureau, and they did nothing to correct the misinformation that was appearing on my credit report.
Consumer complaint received 2020-09-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AZ)

I received a bill for {$490.00} from XXXX XXXX XXXX, a collection agency They said I have a XXXX account balance thru Wells Fargo Bank The address on file was an old address of mine 4 years ago The email they have on file is : XXXX. I have never had this email or ever heard of it before I had a similar problem with XXXX and XXXX XXXX using this same address in XXXX of 2020. That went thru XXXX XXXX XXXX for the exact same amount .That issue was fraud and resolved in my favor. My credit score and account with XXXX  is locked and has not been breeched
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2018-12-23
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. (MA)

The attached post on my credit bureaus claims that a debt was purchased by a third party. At no time from my initial dispute was a debt validated. Under Federal Trade Commission guidelines, a debt must be proved, showing actual hard copy transfer. That does not mean a letter of transfer, but an actual transfer with signature backup. The debt purchase industry is the largest scam ongoing against the American consumer. Both the collection agency/debt purchaser are in violation of their subscriber agreement with every credit reporting agency. At no time was the debt validated, and the initial timeline from the original creditor has been cut off, and thus the debt is illegally being re-aged to benefit both the original creditor and the illegal debt collection process. Both the original trade line must be removed along with the invalid collection process. This problem will continue to exist since the XXXX XXXX XXXX XXXX XXXX Supreme Court decision of XX/XX/2017, whereas the third party purchase voids the individuals rights under the Fair Debt Collection Practices Act. Since there is no proof of true hard copy transfer and ownership, the collection is VOID and the collection process must cease and my file for both accounts must purge. These items must be deleted permanently and my files need to be purged.
Consumer complaint received 2018-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NY)

I reached out to MoneyGram because I could not log into my account which I have used DOZENS of times. He informed me that Money Gram closed my account for security purposes. I never received any notification. I was never informed and when I asked to speak with someone to clarify, I was told no such person exists. I expressed my concern about them now having all of my personal data and I have no way of accessing it again. I was told there was nothing they could do.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 For these months I have been disputing the same accounts with XXXX, XXXX and now Equifax for inaccurate information that they have not completed a proper investigation, instead keeping these inaccurate items on my report!! 

I have asked serval time to provide who have they spoke with, method of validation and proof that alleged debt is mine and still have not received anything but items are still on my report and duplicate accounts!! 


They also keep sending me stall letters stating its not me who is sending the letters! 

Also, an account that was inaccurate has been removed from Equifax previously and somehow reinserted back to my credit report! That is violation of my consumer rights!! 


Furthermore, same accounts that are on XXXX and XXXX are not on Equifax, which is also in violation of my consumer rights!! I was aware that everyone have rights to accurate credit reports and these agencies are not doing that!!
Consumer complaint received 2018-12-23
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: Experian Information Solutions Inc. (WI)

I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.
Consumer complaint received 2018-12-23
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. (WI)

I sent a certified letter to all three credit bureaus requesting they delete this Closed account from XXXX XXXX XXXX from XX/XX/XXXX and XX/XX/XXXX. It has been well over XXXX days and still no response at all. This violates the FCRA laws that state the credit bureaus have a responsibility to report accurate information within a timely manner. And this was not done. I have been denied credit and my credit score has decreased drastically.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2023-03-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX XXXX XXXXE ( Bank ) delete it from my credit report, XX/XX/2023 Hard Inquiry : XXXX XXXX ( Bank ) delete it from my credit report, XX/XX/2023 Hard Inquiry : XXXX XXXX  ( Bank ) delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.