davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (VA)

My name is XXXX XXXX and I used Remitly to transfer a total of USD {$4000.00} to XXXX in XXXX. 

The amount was sent to my wife 's account in XXXX, in 2 transactions of USD {$2900.00} and USD {$1000.00} on XX/XX/XXXX and XX/XX/2021. Unfortunately, I did not check my XXXX account until XX/XX/XXXX, trusting that the money would have been deposited on time or Remitly would have notified us of any problems faced. 

After digging into the issue yesterday, we realized that the recipient 's account number had a typo with two digits switched, and we immediately called XXXX and learned that the incorrect account number was infact non-existent. XXXX advised us that when money is attempted to be deposited into an invalid account, the money bounces back to Remitly - the originator of the transaction. 


Up until now, Remitly has not returned our money nor has been there any communication from Remitly that money was returned. Kindly arrange for my money of {$4000.00} returned to me at the earliest. 

We have ofcourse called Remitly Customer service and we have a case opened for investigation. The case number XXXX ( original case # ). 


I would greatly appreciate that you kindly help me resolve this issue immediately. I hope Remitly is bound by ethics and will legitimately refund my money. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC (GA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate NCA {$310.00} NCA {$480.00} NCA {$370.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Thank you for your time and help in this matter.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (TX)

This company has reported this debt on my credit reports as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

yes i had already reported to experian that the adress i had given them was not my address at all, and that someone was using my information and i know this for a fact, i even submitted pictures of the residence who was tryna fraud me, they said they would fix it, i waited a very long time and they put the wrong address on the updated information they disputed for me, im very XXXX because these people already tried to open bank accounts and other XXXX in my name
Consumer complaint received 2023-08-21
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: BARCLAYS BANK DELAWARE (DC)

Letter below is what I sent to the merchant after waiting several months to this on going issue. I called countless times addressing this issue and was told to wait until the merger was final and I will see the credit on my acct. 

Barclays have done not tried to resolve this issue during any of my calls to address my concerns. They sent a letter on XX/XX/XXXX stating they received my docs for dispute and it would take 45days to investigate. Then I received another letter on XX/XX/XXXX as this case is closed due to 2 billing cycles has passed and nothing can be done about this issue. I have asked to speak with a manger many times only to be told we will have a manager call you in 48hrs. I never received this call. EVER. Letter below is what I sent to the merchant. 

Hello, I was told to fax this information because of a missing refund/credit dispute. 
I received a {$490.00} refund/credit to card ending # XXXX this card was when the acct was with Bank prior to the merger from XXXX XXXX  XXXX The refund/credit was processed by XXXX on XX/XX/XXXX from the original purchase on XX/XX/XXXX through XXXX for XXXX XXXX purchase on cc # XXXX. 
I need to dispute this for credit asap due to the inconsistent information I have received from customer service during countless calls.
Consumer complaint received 2021-06-11
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. (GA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX Systems I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2021-06-11
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. (GA)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account XXXX XXXX XXXX  I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Thank you for your time and help in this matter.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent an initial letter on XXXX this year and sent a follow up email last XXXX but received no response from XXXX  and TransUnion. I have sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure and negligence to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted punctually. I urge these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person. 

They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debts, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.
Consumer complaint received 2021-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MA)

In XXXX of XXXX I became aware that I was the victim of identity theft. I received an alert from XXXX that my credit score went significantly down. Around this time, I received two collection notices in the mail from National Credit Systems Inc. One was for an unpaid apartment rental in Michigan ( XXXX XXXX XXXX ) for {$4900.00} and the other was for a related security deposit company, Sure Deposit, for {$750.00}. After looking into it, I found out that someone had been renting an apartment using my personal information including name, date of birth, and social security number. Both of these collections appeared on my credit report. I later found out that my personal information was compromised as a result of the XXXX XXXX Data Breach. 

I originally tried twice to dispute the collections through XXXX and their fraud department, and each dispute was denied. I then placed a fraud alert on my credit. I have also frozen all of my credit profiles through XXXX, XXXX, and XXXX XXXX. I then filed an identity theft report with the FTC. The FTC provided me with a list of steps I needed to then take which I completed, including filing a police report. 

I filed the police report in XXXX of XXXX when I was told by National Credit Systems Inc. that I needed one. Also in XXXX I submitted the following documents to National Credit Systems Inc : my police report, FTC report, two years worth of leases proving my actual residency ( not in Michigan ), a picture of my drivers license, an affidavit packet and a Notice to Furnishers of Information. I followed up by calling them in XXXX and they said that they investigated the situation but my dispute was once again denied because my information matched the information that the false renter had provided on her rental application. I have contacted the collection agency and the apartment complex multiple times and neither have provided me with any options on how to move forward and resolve the issue. A few weeks ago, I gathered all my documentation and then mailed them to both XXXX and XXXX in order for them to reach out to National Credit Systems Inc. to resolve the issue and remove the collections from my credit report. This included a cover letter, police report, updated FTC report, copy of my drivers license, copies of the collection notices, and a copy of 605B of the Fair Credit Reporting Act. I recently received my dispute results from XXXX, and it has been denied once again, even though I have provided the proper documentation multiple times to both the credit bureaus and the collection agency. National Credit Systems Inc. has been very uncooperative in resolving this issue and I am requesting your assistance in helping to remedy this situation.
Consumer complaint received 2022-02-22
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: EQUIFAX, INC. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A XXXX LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2022-02-22
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. (TX)

I was taken advantage of due to mild practice of several laws were being broken under FCRA by your company this cause financial PROMBLEM DEFORMATION OF CHARACTER I CAN NOT GET A JOB AND APPLY FOR CREDIT I CANT EVEN GET A SBA LOAN DUE TO THE PANDEMIC .UNDER THIS CRISIS YOU HAVE HURT MY ABILITY TO APPLY FIR CREDIT I ALSO HAVE PROOF WITH TRACKING NUMBER THAT THE COMPANY HAVE GOT TA MY LETTERS
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

This loan was in a chapterXXXX bankruptcy the liens was released and the vehicles were salvaged. I request that the dept be discharged also i have a court order from the XXXX asking for forbearance untill XXXX.
Consumer complaint received 2021-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'VE NOTICED SEVERAL ERRORS REPORTING ON MY CREDIT REPORT AND NEED THE CREDIT BUREAUS TO PROCESS MY DISPUTE.
Consumer complaint received 2022-01-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (GA)

Since on or about XX/XX/2021, I have been trying to get this issue resolved with the AFFIRM company. They are a financing company. I used them to finance a 65 ' TV that was purchased from XXXX ( Not in the store ). The tv was purchased in XXXX XXXX. Unfortunately, I was in a major car wreck that almost took my life! Due to my recovery time and still attempting to recuperate from my car wreck, I was not able to unbox the tv until XXXX XXXX.At that time I discovered that the tv was broken! I called XXXX several days throughout the month and was repeatedly placed on hold for exuberant amounts of time 20 minutes and longer. At the same time, usually on the same day, I would contact Affirm to advise them of the situation concerning the broken tv.. Each time I would speak to someone in Customer Service XXXX XXXX they acted like they understood what I was talking about and then they would tell me what they " thought '' I said and it was not correct! I would call repeatedly and the same situation would occur. I was told by XXXX CSR that I would need to get a refund from Affirm and they the Affirm CSR would say I need to get a refund from XXXX. Affirm has been attempting to collect payment from me for a tv I received that was broken, yet due to the continual problems that I have experienced, I did not make the payments. For the past 3 months, Affirm has been sending me emails advising me to submit proof of purchase, proof of broken tv, etc. I submitted the requested information and they still continued to send these emails. Now they have CHARGED OFF the balance {$320.00}. This has severely effected my credit. I am unable to purchase a vehicle because of this erroneous situation that they are reporting. Even though they have charged off the account I am STILL getting HARASSED with emails from Affirm! Now, I am being harassed via email and text message from XXXX XXXX, I think that is the collection agency that purchased the account. This is absolutely ridiculous! Affirm is the worst finance company I have ever worked with. I need this situation resolved immediately! I need my credit corrected of all late payments and charge offs. I need to be fully refunded all of the money that I paid ( Totaling : {$250.00} )!
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mid-Atlantic Finance Co., Inc. (VA)

I received notification recently of a 30 day delinquent reporting on my credit which resulted from the company that I financed my vehicle through. I immediately contacted the company in efforts of resolving this matter as I knew I had not been delinquent on my car payment recently as I'm working towards rebuilding my credit after losing my mother and being in/out of work as her caretaker. I spoke with countless representatives who stated that my account was reported as delinquent because of a deferment granted back when my mom was living and the loan was not satisfied so the account was reported 30 days delinquent. I had no understanding of this scenerio provided and advised several associates that this was very deceptive as if this was the case I would have never agreed to the deferment to begin with. After speaking with several reps, I finally called back and spoke with with XXXX XXXX XXXX who appeared to be very understanding and stated that she saw the deferment and maturity date had nothing to do with the negative reporting and she saw that my account had been paid timely for the past year at least. She stated that she would research further and follow-up with me. She asked that I send her the reporting as received from the alerts set up to monitor my account. I quickly complied and after sending the documentation. XXXX responded and stated that all recent reporting was accurate and that the XX/XX/2021 payment was delinquent and sometimes the updates are delay. AFter providing XXXX with my payment history as shown on their website as well as confirming that my payments are due on the XXXX of each month and the XXXX payment was made on XX/XX/2021 using two debit cards and should not have been reported as 30 days delinquent. This adverse reporting has hindered myself and my family from being able to move forward in the marketing to purchase my first home and gather back the pieces of my life since the passing of my mom. I'm asking that this be assessed and updated immediately. I had emailed the company and XXXX but I'm being asked to file a formal dispute instead of making the adjustment to avoid this type fo escalation. I take pride in trying to regain my credit worthiness and would like a written response that this has been removed from my credit report and a formal apology from the company as this has taken me ten steps back in buying my first home. I feel that this is very deceptive to me as a consumer and I'm expected to accept their response without them trying to assist me as their borrower.
Consumer complaint received 2021-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX XX/XX/XXXX Equifax Information Services, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX or XXXX XXXX : Dispute missing information from XXXXEquifax. ( scanned and sent Certified mail ) Dear Sirs, Attached is myEquifax credit report SSN last four **** with missing information that can not be disputed online for unknown reasons. 
Included are my driver 's license so you can correct my date of birth to XX/XX/XXXX and my name from XXXX XXXX to XXXX XXXX XXXX XXXX My Social Security card is provided so you can match it to XXXX report with SSN last four **** included. 
I have provided my XX/XX/XXXX XXXX XXXX credit card statement so you can add my Apartment number # XXXX to myXXXX report. 
Please provide a copy of my corrected credit report within 14 days when you have corrected all three ( 3 ) my name, date of birth and address, as I have been denied credit recently. 

Sincerely, ================================== XX/XX/XXXX Dear CFPB, I send the Letter to Equifax on XXXX XX/XX/XXXX, certified mail XXXX XXXX XXXX XXXX XXXX, and Equifax received on XXXX XX/XX/XXXX because Equifax did not send a credit report on two previous requests XXXX 

I requested my credit report my mail and to have my name, date of birth, and apartment number corrected online, by mail since I can not get thru the phone line at XXXX or XXXX because after answering all the questions on their phone system it does not connect me with a person to check on my dispute. I included myXXXX report online with the missing and incorrect information to correct my name, date of birth, and missing apartment number from XXXXEquifax report online.