davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

On XX/XX/2022 XXXX made a purchase from me on XXXX XXXX. Buyer used a fake email to represent Zelle ( XXXX ) sending me the money for order. Then sent email stating I needed to collect {$500.00} from buyer and refund it to make my Zelle account authorized for Marketplace transaction. Buyer sent email stating {$500.00} was pending and to refund {$500.00} and provide screenshot of of my {$500.00} refund. Money was never pending into my Zelle account and Zelle sent my {$500.00} to XXXX. Buyer got nasty with me once I called out his scam and I sent a request for my {$500.00}. I immediately called my bank, XXXX to report this. XXXX saw I sent {$500.00} in Zelle and didnt see any pending deposits for my account. He told me to call back next day to file dispute XXXX the {$500.00} showed as a posted Zelle deduction from my account. I also contacted Zelle, I was directed to deal with my bank. I called XXXX next day when the {$500.00} was posted as coming out of my account. Case opened at XXXX. Meanwhile I forwarded emails to Zelle customer service, they requested me to call them. I did, I explained what happened and was told unfortunately I need to file dispute with bank as I already did. I forwarded the fake zelle email to XXXX on XX/XX/2022, the zelle customer support was able to tell me the money I sent did go into a XXXX  XXXX XXXX account. 
On XX/XX/2022 XXXX denied my case and said this was an authorized Zelle transaction. 

I am out {$500.00} and no company is helping me. Zelle, XXXX XXXX XXXX or XXXX bank
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX, our vehicle was deferred for 2 months due to the covid pandemic and catching up on bills. We never received any 1. Paper bills. 2. Actual, live person calls ( they only used to send automated ), 3. Any email correspondence. Which is where my husband gets his bills. Nothing. They sent it to collections when a month wasnt paid. But when he logged into his account with the loan, it even showed his account in the " green '' meaning, he was all caught up, due to the deferral. No one tried to contact him or me. Apparently, due to his pay, he'd originally set up weekly payments to equal the total each month. ( He gets paid weekly ), EVEN THOUGH, once they sent this to collections, they finally tell us " oh we don't do weekly payments. Because the amount they set him up for, he was a bit short for the month. '' But it was THEIR REPRESENTATIVE who came up with the amount, approved it, and his loan was in covid-19 deferral. They also had incorrect phone numbers in their system ; and our old address from 6 months prior. Though, my husband had called to update. XXXX  supervisor XXXX, said they'd take care of it, and if we dispute it. It should come off. It didnt. They STILL refused to drop it though our account is paid up, and it was in deferral, no bills or late notices were sent to any contacts, and our contact info was wrong.
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. (NY)

In XX/XX/2021 I sent you a letter regarding inaccurate and unknown things on my credit report. This letter is in response to your response in my CFPB complaints with closed authorization needed, Is it not clear that I have attached my State ID and Utility bill to certify that is in fact me submitting the disputes. I wrote you to let you know that my credit report contains inaccurate and incorrect accounts that are ruining my credit scoring.
Consumer complaint received 2024-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX, a letter was sent to the credit bureaus to correct the derogatory reporting for XX/XX/XXXX. All of the charges on my card were fraudulent and XXXX has refunded me the money & refunded the late payment fee. The credit bureaus are still marking me as late XXXX  days in XXXX XXXX  XXXX, even after I was assured multiple times this would be fixed and I should not be marked late because of the Fraud. This incorrect reporting has prevented me from buying a house and a car. 

I have attached the credit report still showing XXXX  days late in XXXX XXXX  XXXX. I have also attached a statement showing that the entire balance was refunded to be as fraudulent charges, the late fee refunded, but still no correction to the credit bureau reporting.
Consumer complaint received 2022-02-20
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. (TX)

Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX  XXXX  XXXX  XXXX XXXX ) Acct # XXXX ( 09 XXXX  ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( 11 XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.
Consumer complaint received 2022-02-20
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. (TX)

Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have 3 fraud apartments on my report. ( XXXX XXXX ) Acct # XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Acct # XXXX ( XXXX LXXXX ) Acct # XXXX I have 2 Fraud Phone/ Mobile System on my report. ( XXXX XXXX XXXX ) Acct # XXXX ( XXXX ) Acct # XXXX I have 6 Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.
Consumer complaint received 2022-12-03
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. (TX)

I have written to all three credit reporting agencies XXXX, XXXX, and TransUnion about the inaccurate information on my report and explained to them that they are continuingly violating Title 15 US Code 1681 and 1692 by not removing those inaccurate items from my report and they continue to disregard my request with investigations that haven't been properly carried out! Because of this negligence they have caused me Damages and Hardships that I don't deserve causing me to go into poverty!
Consumer complaint received 2022-02-19
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: DISCOVER BANK (FL)

On approximately XX/XX/2022, I contacted XXXX to purchase an engine for {$3700.00}. I was told that the engine was available and once the payment was completed, I would be emailed a tracking number within 24 hours and the engine shipped. After not receiving the tracking number I called XXXX and was informed that they didn't have the engine and it would not be available until XXXX. After being informed of this I asked for an immediate refund being that the salesperson said she verified the engine was available and ready to ship within 24 hours. I then contacted Discover and initiated a dispute for fraud because the merchant told me that they had the engine ready to be shipped and the salesperson verified it to be ready and available. I tried to initiate a dispute at this time but was told that I could not dispute this at this time and had to give the merchant 10 days to return the money to my account. After 12 days I called into dispute the transaction and them aware the credit from XXXX still was not available or returned to me, so then the dispute was filed by Discover. During this time I was not able to view or verify my other transactions. After filing the dispute I called Discover and made them aware that my bill was incorrect and there were some discrepancies ( items that were charged missing ) on my bill. I was told that the bill was correct and that amount it showed was correct ( owe {$4.00} ). After a few days, the bill changed again ( owe {$590.00} ) After the disputes and the changing of the bill, there are some charges on my bill that I do not recognize. I have tried calling some of the merchants to verify if the charges are actually mine.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Hello, my name is XXXX XXXX and I have new information about Transunion. I recently exercised my right to dispute inaccurate information I found on my TransUnion consumer report. I have received recent updates with continued inaccurate reporting to ensure I receive the response I stated in my dispute : I am now exercising my rights to receive any correspondences regarding any dispute and my consumer file from Transunion electronically through the CFPB and no other form. 

This is regarding any dispute sent through mail that was received on XX/XX/2022. Please see attached green receipt as exhibit.
Consumer complaint received 2022-10-08
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: Experian Information Solutions Inc. (PA)

In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX TX, last 4 of account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section : It also says states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-09-25
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. (NY)

I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX I called the Mastercard account to inquire about my AWARDS and the MASTERCARD operated under SYNCHRONY BANK transferred me to a PAY PAL ( PP ) representative. The PP representative asked for a password for my email. I did not realize that they ( PP ) had opened a second PP account under another email I use. I still have the old PP account, but I gave the wrong password so I asked the PP agent to close the email used for the account they were operating with the MASTERCARD and use the other email but they misconstrued this and closed the PP account linked to the Mastercard. SYNCHRONY bank now tells me that action automatically forfeited all my over {$500.00} in AWARD and now SYNCHRONY tells me sorry there is no recourse! The PP agent never warned me about this.
Consumer complaint received 2022-01-30
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)

Attempts have been made to all three credit bureau to remove and block account due to several errors and inconsistency in reporting information. Transition, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. 

XXXX XXXX has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of XXXX violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Consumer complaint received 2022-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The debt collector XXXX XXXX XXXX, reports two collections as open, loan account types with the balances and past due amounts of {$2000.00} and {$2200.00}. I disputed the accounts online XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I disputed the inaccuracies with XXXX XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX XXXX by XXXX XXXX mail XX/XX/XXXX XX/XX/XXXX. I requested validation of the alleged loan they contacted my mother about. I responded I asked the debt collector to cease and desist because they could not validate the request for complete or accurate information after 45 days. XXXX XXXX XXXX continued to update all of my credit reports with the two loan balances beginning from XX/XX/XXXX to all credit reporting agencies saying the consumer disagreed. During the dispute the items were not removed. on XX/XX/XXXX, and every month the same inaccurate unverified information is updated. Each dispute I submit has came back verified. XXXX deleted the account approximately XX/XX/XXXX.
Consumer complaint received 2022-02-19
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: U.S. BANCORP (WA)

The last week of XX/XX/2022, I lost my credit card while traveling in XXXX and XXXX fraudulent transactions posted to my account. XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. I called XXXX Fraud department as soon as I realized my card was lost. They took my information and supposedly started my claim for the disputed charges. On that day I received an email from XXXX saying that they will be working on my claim and that they will be providing provisional credit of the XXXX fraudulent transactions within 10 days while they continue their investigation. Meanwhile, Provisional credit was never provided, nor there was any follow up nor documents sent to me. So, On XX/XX/XXXX, since I didn't receive any communication from XXXX nor the fraudulent charges taken off my card, I called back XXXX fraud department to find out what was going on. I was told by an agent named XXXX, that there were NO notes on my claim, NO follow up and NO provisional credit on my account, he said he had to escalate it to a supervisor, that it seemed that my claim wasn't looked at by any one. So he told me that I was going to receive a call from a supervisor. I received a call from a lady name XXXX from a phone number XXXX. I called back and told her that is NOT OK to be ignored, to report a claim to XXXX and to have this type of inaction and lack of help in resolving my claim. Meanwhile its almost a month. No follow up, the fraudulent charges are still on my account, no provisional credit was issued, my claim was ignored and XXXX inaction and lack of willingness to resolve my claim has caused me stress and in top of it, I have to be calling back and forth, almost every week trying to get their help in taking care of this issue. It is obvious that US Bank is trying to ignore my claim and to put the burden on me to collect interest and charges with fees on the fraudulent transactions. I do believe I've been ignored and treated with this horrible disparate treatment due to my XXXX Ethnicity.
Consumer complaint received 2021-07-24
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. (LA)

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. ( Copied from attached Affidavit ) *****
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Employees charged me {$5.00} for a replacement debit card that doesnt work. I came in today ( Saturday ) to get it fixed and employees refuse to help me. I have to work during the week XXXX to XXXX and this awful company ( Bank of America ) closes at XXXX. The replacement temporary card does not work and I use it for my second job at XXXX. I need access to my funds over the weekend. If this is happening to me, it is happening to others. I REFUSE to take off of work to get business done. THIS IS NOT MY PROBLEM. I DID NOTHING WRONG. THE BANK WILL NOT FIX THIS AND IT IS RENDERING ME UNABLE TO DO MY JOB. I am going to contact an attorney. This is what is going to happen : 1 ) Bank of America will pay for my lost wages from XXXX since I do not have access to my funds 2 ) Bank of America will pay me for the lost time from my regular job since I have to leave work to take care of this during my work hours 3 ) Bank of America will pay my attorney fees for the consultation and any retainer I need to pay to speak with said attorney Im losing around {$400.00} from XXXX because I can not access my money to pay for gas. This is on the low end as I can make well over {$500.00}. I can provide proof. 

Im losing around {$250.00} for having to leave my full time job during the week I have to take a half-day. That is company policy. 

The Bank of America branch that refuses to help me is in XXXX XXXX XXXX XXXX in XXXX VA . The person who refused to help me is XXXX. 

Please understand it is YOUR JOB to take care of your customers. Your bank is an absolute nightmare. Im sorry I started banking with you.
Consumer complaint received 2019-05-10
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. (TN)

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX AND XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 22 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.