davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (GA)

On XX/XX/2020, I tried to send money to my brother who lives in XXXX XXXX, through Remitly. I wanted to send him more than {$100.00} but before using the Remitly application for the first time I tried with {$10.00} the minimum, the number of the transfer is XXXX XXXX XXXX XXXX so since yesterday I've been waiting and I've been sending all day a message trying to get my money back, and I know it's only {$10.00} but I think it's a mode of operation, to steal and not return small amounts. 

I made my complaint and they told me that they are going to contact me, and I asked the person who attends me through the chat a case number, and she let me know that she can not give me, because you can not disclose that information, which is why I present my complaint to you, you have to sit a presedent against these companies that act badly.
Consumer complaint received 2018-02-23
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NJ)

Bayview Loan Servicing , LLC has stolen my identity they are stating that I have a mortgage loan out with them since XX/XX/XXXX. They have not submitted a collateral accounting as I requested and they have not replied to a QWR that I have submitted to them certified mail XX/XX/XXXX. They are fraudulently trying to debt collect on a purported mortgage loan. They need to remove themselves from my credit report ASAP and they need to STOP sending me fraudulent paperwork. I expect you THE CFPB to handle this as they are still harassing me with fraudulent paperwork. I will be filing a complaint with the SEC .GOV as  well! This purported debt was rescinded and closed out by XXXX  XXXX XXXX a/k/a XXXX.
Consumer complaint received 2022-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (IL)

Took a loan from deferred compensation company, XXXX and mobile deposited that check to US Bank in XXXX, Illinois on XX/XX/22. On XX/XX/22 the deposit still was not showing on my account, called above local branch bank and was instructed to come in and deposit it in person as it may have been too large to do as a mobile deposit. Did as instructed and on XX/XX/22 the bank revoked the transaction and removed the funds from my checking account. On XX/XX/22 they again debited my account for the same amount so it was a double debit. I received a letter and a copy of the check and the letter stated the bank was delaying availability of the funds because it had reason to believe the check may not be paid.I called and went in to the bank and was to again attempt to deposit the copy of the check on XX/XX/22, which I did. On XX/XX/22 the bank again debited that money from my account and I was told that I needed to contact XXXX as the bank had returned the check to them. I contacted XXXX on or about XXXX and was told that they were seeing the check as having been cashed and could not do anything else. Over the course of these last weeks I have called or gone into the local bank, spoken to the branch manager, called the banks XXXX hotline, called XXXX and XXXXXXXX XXXX as they issued the check, multiple times, and all of these efforts have led me nowhere as they each say it is not their issue. I have not received this money and today the first repayment for the loan was debited from my checking account. If you cant assist me do you have any other contacts you could suggest for me? Thank you
Consumer complaint received 2024-03-05
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. (CA)

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g. CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile byTransUnion for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-06-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC (MO)

I have repeated been in contact with the company : NCA - National Credit Adjustors NCA # :  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX I have reponded to all phone calls and correspondence by this company to explain that this debt has been settled with the original creditor. They continue to harass, report negatively on credit, and attempt to collect a fraudulent amount. 

They are purchased this debit in hopes of gain
Consumer complaint received 2016-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (GA)

Please be advised I had a VOLUNTARY judgement with XXXX in GA Phone number XXXX! Part of the agreement was XXXX agreed not to place the Judgement on my credit report! Months later after it was inserted I called the XXXX County Courthouse where the Judgement was filed and the County Clerk advised me that they do not give the credit bureau any information! Apparently, they went seeking the Judgment not knowing the agreement XXXX and I had! I in turn called XXXX and they did acknowledge that they agreed to not report me! I immediately wrote all three bureaus and advised them to call XXXX at XXXX to verify the agreement! Apparently, Experian did their due diligence and called and verified and removed the Judgement but has recently re-inserted the judgment. I do not know who Experian they verified it with because if it was XXXX they would have advised them it was not to report per our agreement! Please see the tradeline below! 
SMALL CLAIMS JUDGMENT Filing Date XXXX XXXX, 2014 Amount {$3600.00} Reference Number XXXX Court XXXX co magist crt Plaintiff XXXX
Consumer complaint received 2017-05-28
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 have disputed an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
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The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

on XX/XX/2022 I sent a letter to National Credit System INC, asking them to verify the debt, by sending me paperwork, and verfication of the debt, To day, now 90 days later, they have failed to do so, and have failed to remove the debt. The Credit Bureaus have also failed to remove the debt or provide their verifcation method. I want this debt REMOVED NOW. 

I have also contacted NCS via email and they fail to respond with information. I have gone on their website, they have no record of any debt for me, any account numbers, and no $ listed.
Consumer complaint received 2023-06-13
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. (NJ)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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. (FL)

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

XXXX  has incorrect information on my credit report, I notified navy federal credit union about this they said XXXX  reported the information incorrect, I am not disputing anything on my credit report on my navy federal credit union credit card, please update this information, someone submitted a dispute with out my authorization and I didnt submit anything so want this information and dispute corrected, I am not disputing any high credit on my credit card period and it needs to be corrected, it says Im disputing a high credit balance on my account, Im filing this with the consumer financial protection bureau to get this straightened out this has brought my credit score down, I am I repeat I did not put no dispute in with navy federal credit union about my credit card please fix this
Consumer complaint received 2023-03-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also 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 purpose.
Consumer complaint received 2020-11-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX  XXXX  XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
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Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/2019 I received a letter from chase containing the following text : " We can't locate the transaction information you requested. 
If you have additional information, please contact us as soon as possible. We'll open a new request and try to locate the transaction with that information. '' When I informed Chase that its letter was vague and has not identified any specific requests from me. Chase 's response was equally vague : " The letters you received from us were the result of questions raised in the online secure message center that we were not able to address with the information provided " My current question to Chase 's response is he following : Which question or questions raised in the online message center that Chase 's referring to in its response were the results of the letters being sent to me, I would like to know the date, time, and the completed text of the secured message that Chase is referring to.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-11-10
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX  XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$43000.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX  FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. 
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Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (FL)

XXXX XXXX originally advertised {$150.00} for the services I needed, only to come back to charge an additional XXXX dollars that made my credit card go over its limit, and now its reported as a negative derogatory on my credit report. 
XXXX XXXX falsely advertised the cost for its services. 
Amount : {$260.00} Please help me remove this false claim against my credit Best regards,
Consumer complaint received 2020-11-10
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. (MI)

I AM A RECOVERING VICTIM OF IDENTITY THEFT, MY IDENTITY WAS USED TO OPEN MULTIPLE FRAUDULENT ACCOUNTS, AND A BANKRUPTCY. I HAVE FILED A FEDERAL IDENTITY THEFT REPORT FOR FRAUDULENT BANKRUPTCY REPORTING ON MY CREDIT PROFILE, I HAVE TRIED MULTPLE TIMES TO RESOLVE THIS PROBLEM WITH TRANSUNION, AN INFORMING THEM THAT THIS MAY BE A MIX UP OF INFORMATION, ASKIN THEM TO POINT ME IN THE DIRECTION OF THE THIRD PARTY VENDOR, THEY HAVE NOT SUPPLIED ME WITH ANY INFORMATION, DENYING MY REQUEST, I HAVE ALSO SUPPLIED THE XXXX XXXX XXXX XXXX WITH THIS INFORMATION AND A COPY OF MY FEDERAL IDENTITY THEFT REPORT, AND THEY HAVE ASSURED ME IN WRITING THAT THEY HAVE RECEIVED MY DOCUMENTS AND HAVE ARE NOT REPORTING THIS FRAUDULENT INFORMATION TO TRANSUNION OR ANY OTHER THIRD PARTY VENDORS, OR CREDIT REPORTING AGENCIES. TRANSUNION HAS REFUSED TO REMOVE THIS FRAUDULENT INFORMATION FROM MY PROFILE AND HAVE REFUSED TO SUPPLY ANY SUPPORT OF THERE CLAIMS THAT THIS ITEM IS INDEED ACCURATE. I HAVE ATTACHED A PHOTO COPY OF MY DRIVERS LICENSE AND MY SOCIAL SECURITY TO VALIDATE MY IDENTITY, I ALSO HAVE INCLUDED MY FEDERAL IDENTITY THEFT AFFIDAVID TO SUPPORT MY CLAIMS OF THE FRAUD, AND THE FRAUDULENT BANKRUPTCY
Consumer complaint received 2020-02-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (MD)

I wish to complain about the mortgage loan with TD Bank USA, which was obtained XX/XX/XXXX and paid on consistently until XX/XX/XXXX at which time I met a hardship due to unemployment. I have made efforts at bringing the loan current and getting a modification. I was able to get the lender to agree to a modification trial period however the issue is the principle balance increased by XXXX XXXX dollars and the home was never in default nor did the loan ever reach 90 days late. Furthermore, the payment process was severely hinder by denying online access and combined with phone payments not being applied to my loan and requiring multiple attempts to get the XX/XX/XXXX payment applied to my loan. I seek relief from the disruptive and oppressive practices the banking processes with TD Bank USA mortgage department. 
I have not received a written explanation of the reason for the increase of mortgage principle and the verbal explanation was the lender did not want to confuse me or the numbers were being processed and i would be notified when the modification was finalized.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.