davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (CO)

Regarding stolen money orders. 
from XXXX Retail Money Orders department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These were bought with cash at XXXX XXXX, stolen from the XXXX, doctored and returned to XXXX XXXX and were cashed at XXXX XXXX_ They should have a copy of the person on video. Federal Case # CA XXXX [ ref : XXXX : ref ] money orders # Money Orders XXXX & XXXX XX/XX/XXXX to XX/XX/XXXX I went back and forth about these money orders to get a replacement from Western Union. 
Western Union is passing this off to XXXX XXXX and XXXX XXXX is saying they can't do anything until Western Union closes their investigation. I have talked to XXXX from XXXX XXXX XXXX and she says they are closing case # XXXX because it is still in the hands of western union. But the following corespondence shows that Western Union has turned this over to XXXX XXXX. 

On Thursday, XX/XX/XXXX, XXXX XXXX MDT, Money Order - XXXX XXXX wrote : Dear XXXX , Please be advised that the Forgery claim for Money Orders XXXX & XXXX have been initiated on XX/XX/XXXX and both are currently pending at the XXXX  XXXX XXXX XXXX . Just a reminder that Western Union does not investigate this claim, but the bank does. Western Union acts in good faith assisting you in an attempt to collect the funds and provides this service free of charge. 
Thank you for contacting Western Union. 
Sincerely, XXXX XXXX Western Union Financial Services , Inc . 
My letters were stolen out of the mailbox on XX/XX/XXXX. I started this process with Western Union on XX/XX/XXXX when I learned that the MO never credited to my credit cards. They were brought back to XXXX XXXX store XXXX. District manager XXXX XXXX has tried to get them to move on this but says XXXX XXXX told him they have 100 days to look into this. There is no promise yet that they will pay. They have had all the info to prove I did not cash these altered money orders but still refuse to deal with me.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (CA)

hello my name is XXXX XXXX and i was put on XXXX XXXX on XX/XX/2016 the account number is XXXX and its being reported on my consumer report unlawfully because there were steps needed to be taken before i can even be put on child support. pursuant to title 15 usc 1681b 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ( SO YOU SEE PRIOR TO BEING ON CHILD SUPPORT THE AGENCY NEEDED TO SEE IF I HAD THE CAPACITY TO MAKE ANY PAYMENTS WHICH I DIDN'T ) now back to the law ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose NOW LETS TAKE A LOOK AT ( C ) IT SAYS THE PERSON WHICH MEANS AN INDIVIDUAL IN THIS CASE IT WOULD MEAN THE MOTHER OF MY CHILD SHE NEVER SENT A NOTICE CERTIFIED OR REGISTERED MAIL OF MY LAST KNOWN ADDRESS SO WITH THAT BEING SAID EXPERIAN FURNIED MY CONSUMER REPORT WITHOUT THE WRITTEN INSTRUCTIONS ON THE CONSUMER AS STATED IN 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I NEED EXPERIAN TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY
Consumer complaint received 2018-04-02
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: GOLDMAN SACHS BANK USA (MA)

Goldman Sach hard inquiry from XX/XX/17 that I did not authorize. 
Attempted to call, but reported that they had already completed inquiry so it could not be removed.
Consumer complaint received 2022-07-23
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: Affirm Holdings, Inc (NV)

Several disputes with XXXX reporting incorrect information regarding the XXXX XXXXXXXX account on consumer report. XXXX continues to say that the investigation results in a " verified '' account ; XXXX XXXX has sent me documentation which otherwise disproves this. First, XXXX XXXXXXXX and XXXX continue to report " COLLECTION '' on a monthly basis in the payment history. Second, it states that the account is in collection but still lists XXXX XXXX XXXXXXXX as the original creditor, but attached on this complaint, you will see that XXXX XXXX XXXXXXXX is using a third party collector in which I am to make payments. Having this incorrect information is FACTUALLY INCORRECT. Third : XXXX XXXX XXXXXXXX has sent correspondence ( attached ) to state that they would no longer contact me regarding this debt as it has been charged off ; but still have been contacting me. They further list a company by the name of XXXX to which I don't have any relationship as their third party collection agency, and who has not contacted me. Now, even though, through these disputes that I've done with XXXX, XXXX XXXX XXXXXXXX is contacting me and further sending me secure messages for me to obtain through their web. So, I've contacted the company to propose a settlement amount letter dated XX/XX/2022, ( attached ) to be rid of them and this scam of " BUY NOW PAY LATER ''. In this letter, I've asked them to contact me through US Mail ; not by email or telephone calls. Today, XX/XX/2022, is when I get this email for the secured message ( attached ). I feel that they are violation of debt collection practices, and FCRA reporting practices and would like this investigated further. Lastly, XXXX has my id verification ; so, I will not include it here for privacy.
Consumer complaint received 2015-11-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Regarding XXXX Credit Card accounts with XXXX. XX/XX/XXXX I was in contact with XXXX through a third party company to work on a settlement to pay the XXXX accounts. XX/XX/XXXX XXXX sent letters to me indicating they would : 1. No longer attempt to collect the unpaid debt on my accounts AND would be reporting the UNPAID Credit Card balances ( {$27000.00} and {$35000.00} ) XXXX for the XX/XX/XXXX tax year. 2. XXXX would be sending a XXXX to me in the near future of the principal balances. I received XXXX documents and filed with my XX/XX/XXXX tax returns taking the amounts as " income '' per XXXX guidelines. My CPA also confirmed the XXXX XXXX amounts on the XX/XX/XXXX tax year XXXX transcripts. XXXX is still reporting the all XXXX credit bureaus that the full balance is owed to XXXX on the XXXX credit cards. The result is my credit scores being affected and I am not able to complete a re-finance on my home. I am filing this formal complaint against XXXX as this seems very unfair. The XXXX documents sent to me by XXXX state at the top of the documents " Cancellation of Debt ''. I do not understand how XXXX can send a XXXX to cause me to file the amount on my taxes and PAY TAXES XXXX and turn around and continue to report these amounts to the XXXX credit bureaus as " Balance Past Due ''. Please help!
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

All three XXXX bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

My name is XXXX XXXX the daughter of XXXX XXXX XXXX XXXX I'm reaching out to you about my deceased father. About a week ago I received of my father 's probate court record and it stated My family received some money they excluded me. Before my father passed in 2009 he told me not to trust my mother and sister XXXX XXXX. He also stated he had some documents to give me. But he died two days later and his document were in a lock box and my sister XXXX said it was nothing in there. I know she is lying!! I was told he had accounts with bank of America. Please help me. My father girlfriend XXXX XXXX XXXX, Her son XXXX XXXX XXXX and grandson shares accounts. I believe XXXX and her son did fraudulent things to these accounts. I will send you a copy the unclaimed accounts. My father had a lot of alias. I will send you a list. Thank you for you time.
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX these accounts below Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX have violated my rights.

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.
Consumer complaint received 2018-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

( a ) Attempts to resolve this with XXXX XXXX are futile ... I was disconnected after requesting, then demanding a supervisor. 

( b ) Month after month, I have issues with XXXX having a friendly digital relationship with my XXXX  XXXX XXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. 

( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as
Consumer complaint received 2022-07-23
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)

I submitted request to Transunion regarding removing the below inaccurate items from my credit report. To date I have not received a response. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX. 
XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XXXX XX/XX/2020 ; XX/XX/2020 Please remove this fraudulent inquiry from my credit report. 

XXXX. This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/2020 Please remove this fraudulent inquiry from my credit report.
Consumer complaint received 2018-04-20
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: EQUIFAX, INC. (GA)

See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (FL)

On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.
Consumer complaint received 2022-07-22
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. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MD)

RE : Santander BankWithout notice to me, Santander Bank closed my account XX/XX/XXXX and tookthe balance for themselves without sending me a check. It was only for {$.00}, but thisbank has a reputation for bad bad customer service and corruption. When I went to use the debit card to close out the acct, it was rejected. 

I want the monies refunded, immediatelyXXXX XXXX
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

The annual fee of {$95.00} for the card was billed on XX/XX/XXXX. Chase decided to close my account on XX/XX/XXXX. The year for which the card is being billed was never used and, furthermore, if I cancelled the card by XX/XX/XXXX, Chase would have voluntarily ( they admit ) refunded the annual fee. However, because Chase decided to close the card, they insist that the fee can not be refunded and that I owe them for a year 's fee for a card that I don't have.
Consumer complaint received 2015-12-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

the creditor agreed to remove my liability on this account on " XXXX. '' account : XXXX XXXX XXXX XXXX XXXX. why they do is playing with my credit, removed the collection from one credit report company and put it back in another. 
I call it and they do n't answer the phone or return your messages, same with the emails. 
hope they do better services to the customers and stop trying to collect money from closed accounts. 
thanks
Consumer complaint received 2016-09-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

My husband and I had a home equity loan from Sovereign which was a second loan taken out on our home. The loan was taken out with Soverign and they became Santander. We went through a loss of our business and Chapter XXXX bankruptcy which has been released. Originally, we had made our monthly loan payments directly through our checking account with the bank because they required that it was done that way. After we went into bankruptcy the bank we were informed by our local branch that they would no longer allow us to make payments directly through our account. They did not give us any direction as to how and where we should continue to make these loan payments. So, we brought our monthly check payment to our local branch. After a year or so, the branch stated they could no longer take the monthly loan payments directly. We spoke with the branch manager at that time and we wanted to know why this was no longer allowed. He told us he would " look into it '' and later informed us that it was because of our bankruptcy but we could drop off the check at the branch and they would foward it to the appropriate office. Once we declared bankruptcy, we no longer received monthly loan apyment notices or other information on our existing loan, payments that we made, or loan balances. Since the bankruptcy was discharged in XXXX, we still have not received any information on our payments or loan balances. We do not even know how much we have left to pay or even what our account number is. All of our efforts to go through the numerous different branch managers to find out what was going on have failed. We continue to make payments through the local branch office but only get a handwritten receipt from the bank teller that acknowledges our check payment ( without any account number on it ). This has become so ridiculous but we can not get a straight answer about our loan! The other problem we are encountering is that when we leave our check with the local branch, we never know when it will be cashed. Some months it is in 3-4 days and other months ( like the last XXXX XXXX payment ) it was not cashed for weeks. This has caused us to get into an overdraw situation with our checking account ( from another Credit union ) and we end up paying expensive overdraw fees. We need to get the information on our loan, what we owe, where we should be sending payments, and when they are due and expected to be cashed ( not to mention an account number and documentation of payments received ). 
Please let us know if we can get help with this.
Consumer complaint received 2021-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (NE)

I discovered a collections account on my XXXX credit report and I didn't recognize it. The amount reported is {$3900.00} opened on XX/XX/2021. The reporting agency is shown as CENTRAL PORTFOLIO CONTROL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX My 1st response was disputing this account, as I've no knowledge of it and its not mine. The resolution was not in my favor so I further researched this agency and contacted on XX/XX/2021. 

I contacted via : Website communication XXXX XXXX XXXX  Personal email to XXXX A response was given to my correspondence via website but not to my communication attempt via personal email, which contained more verifying information than I provided on their website. 

Their response : Hello, We are more than happy to help you out, but we are restricted to share information via email without verifying some information and capturing your consent over the phone. For further assistance please contact our compliance department at XXXX or XXXX Thank you XXXX XXXX XXXX XXXX XXXX Central Portfolio Control Inc . 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX Direct : XXXX Toll Free : XXXX Fax : XXXX Email : XXXX I called both numbers provided and it went to a voice-mail that stated it's belonging to this XXXX XXXX XXXX I left a message and a return call was incoming within moments from a different number than that provided. As I'm unable to verify the validity of this agency and person from an inbound call our communication was limited.
Consumer complaint received 2015-06-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX
Consumer complaint received 2021-11-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (GA)

I.C. SYSTEMS PUT A {$1400.00} COLLECTION ON MY CREDIT REPORT SENDING IT DOWN 70 POINTS. 
THIS COLLECTION WAS FROM A SCAM MEDICAL FROM THE XXXX XXXX. 
I DO NOT OWE THIS AMOUNT AND IF I HAD MEDICAL WORK IT WAS PAID BY MY INSURANCE AND I DON'T GET {$1400.00} OUT OF POCKET BILLS.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

Equifax Confirmation # XXXX XX/XX/2018 Personal Identification Information : has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there is no such address. Equifax keeps putting address on my credit file that is not correct now this address just pop ups.

Equifax does nothing but create address for money so they can sell information.
Consumer complaint received 2018-04-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (GA)

I blocked XXXX (XXXX XXXX) from my phone and reported to XXXX, FTC, FCC, CFPB (CFPB Complaint #XXXX). I called XXXX to be put on XXXX XXXX's Do-Not-Call List but all they did was send my number to a different department, so that now it shows up on my phone as XXXX. I am still getting calls and voicemails from XXXX XXXX. PLEASE STOP THESE PEOPLE FROM HARRASSING ME.