davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (NJ)

Hello XXXX, I initiated a money transfer from XXXX to XXXX via western union for XXXX usd, XXXX # is XXXX it suppose to be transfer on XXXX XXXX, however they did not transferred the money and claim to be transferred in the XXXX bank XXXX XXXX XXXX I contacted them on XXXX and XXXX XXXX of XXXX  and they said it will be done today bit in fact it was never transferred. also their representative said that if the transfer docent goes they will refund me on XXXX XXXX. Today on XXXX XXXX when i contacted them they denied to do refund and they did not helped me. This is very urgent transfer and they are not doing any kind of transfer or any refund also please help me sir. I provided them a proof of money transfer where there is no money deposited in my receivers account. 

XXXX XXXX
Consumer complaint received 2022-07-09
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 XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCT # XXXX In accordance with the Fair Credit Reporting act XXXX  these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Consumer complaint received 2022-07-09
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: Experian Information Solutions Inc. (CA)

I went online to the Annual Credit Report website today, XX/XX/XXXX, check at least one of my credit reports. I attempted to access Experian, but there was a computer error so I went directly to the website. I noticed inaccurate personal information that I wanted to dispute along with hard inquiries that I did not recognize. I attempted to file the disputes online but the site information stated that I would have to dispute the information over the phone. During that time, ads popped up to check for preapproval of credit cards. I did what I thought was a pre approval then immediately after I received a hard inquiry alert for TWO credit cards. It turns out the information I completed was an actual application, despite what it says on Experian 's website. I contacted the credit card company, XXXX XXXX ( not XXXX XXXX ), to verify the information and have any applications and pending information cancelled. Experian is very misleading. Hard inquiries were performed without my knowledge. I also never received any follow-up information from the " pre approval '' credit card company. Hours later I received two additional notifications from two different companies ( XXXX XXXX and XXXX ) about my " inquiry from Experian. '' I did not authorize or complete any information to allow those companies to access my information.
Consumer complaint received 2022-07-25
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. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has 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 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The Creditor, XXXX XXXX emailed me to fix my account. We agreed to start payments over starting on XX/XX/XXXX of {$100.00} a month til paid off but I am still receiving late payment alerts in my email so I disputed and stated I made a plan with XXXX XXXX. And the dispute came back the same no change. 


XXXX XXXX XXXX To : XXXX Sat, XX/XX/XXXX at XXXX PM Visit XXXX  XXXX Congratulations! Your payment plan is now set up. 
Product Name : XXXX Account ending in XXXX Here 's your plan summary : Thank you for setting up your payment plan on XX/XX/XXXX. Your total to be paid is {$2400.00}. 

Installment breakdown : # Date Amount Status 1 XX/XX/XXXX {$100.00} Scheduled 2 XX/XX/XXXX {$100.00} Scheduled 3 XX/XX/XXXX {$100.00} Scheduled 4 XX/XX/XXXX {$100.00} Scheduled 5 XX/XX/XXXX {$100.00} Scheduled 6 XX/XX/XXXX {$100.00} Scheduled 7 XX/XX/XXXX {$100.00} Scheduled 8 XX/XX/XXXX {$100.00} Scheduled 9 XX/XX/XXXX {$100.00} Scheduled 10 XX/XX/XXXX {$100.00} Scheduled XXXX XX/XX/XXXX {$100.00} Scheduled 12 XX/XX/XXXX {$100.00} Scheduled 13 XX/XX/XXXX {$100.00} Scheduled 14 XX/XX/XXXX {$100.00} Scheduled 15 XX/XX/XXXX {$100.00} Scheduled 16 XX/XX/XXXX {$100.00} Scheduled 17 XX/XX/XXXX {$100.00} Scheduled 18 XX/XX/XXXX {$100.00} Scheduled 19 XX/XX/XXXX {$100.00} Scheduled 20 XX/XX/XXXX {$100.00} Scheduled 21 XX/XX/XXXX {$100.00} Scheduled 22 XX/XX/XXXX {$100.00} Scheduled 23 XX/XX/XXXX {$100.00} Scheduled 24 XX/XX/XXXX {$100.00} Scheduled 25 XX/XX/XXXX {$36.00} Scheduled You can view your payment plan details at any time. 

View Your Payment Plan Important Information from XXXX  XXXX If you are concerned about clicking links in this email, please call XXXX. 

Contact Us | Privacy | Help Prevent Fraud | Dispute this account | Learn more about this balance
Consumer complaint received 2022-07-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION (WA)

I already confirmed with the company that this account was closed and it shows as closed on my other credit reports. Just still showing on XXXX and when disputed was given the info that it will remain since the company verified it. I have a letter for proof of payoff even.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

Charged a " Security Fee '', when I signed up it never mentioned anything about a fee. It was a 6 month 0 % interest promotion. And it's not fair that I'm getting billed for something I never agreed to/wanted.
Consumer complaint received 2022-07-09
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. (NY)

I've sent numerous letters to remove personal information that i don't want on my consumer report. In accordance with the Fair Credit Reporting act 15 USC 1681. Experian has violated my federally protected consumer rights to privacy and confidentiality. Also According to the 15 U.S.C 6802. No financial institution is suppose to share my information to third party people. 

This address does not belong on my consumer report, XXXX XXXX XXXX XXXX NY, XXXX, Address ID # XXXX These names does not belong on my consumer report, XXXX XXXX  XXXX XXXX ID # XXXX and XXXX XXXX XXXX ID # XXXX These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-09
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: SYNCHRONY FINANCIAL (IL)

go back on XX/XX/2019 I sent my XX/XX/XXXX payment due of {$60.00} min due to be credited to my account ending in XXXX PayPal Credit is the Creditor. 
but Pay Paly Credit never applied my payment I called on XXXX of 2019 to make a dispute over the phone buy they did not help me they told me they need me to get proof of such payment so instead of they investigate my missed payment they asked me to me to do so,,,, so iI order a copy to XXXX I received proof of payment it was deposited into Pat pal checking business CORPORATION BANK account Iam attaching proof of my payment was never credited into my pay pal account they reported lates since then on XX/XX/2019 and more lates during the past 3 years I am having difficulties getting jobs positions since they damage my Credit becaiuse they reported lates in my 3 Credit bureaus
Consumer complaint received 2022-07-09
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. (WA)

So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. To remove personal information that I did not want on my credit report. 

According to the fair credit reporting act 15 U.S Code 1681. I have the right to privacy.

Also according to 15 U.S Code 6802. No financial institution is not suppose to share my information to third party people.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: D2 Management LLC (FL)

On XX/XX/18, I received a phone call asking to speak XXXX XXXX. That is my maiden name and has been changed for almost 14 years at this point, so that was the first thing that made me think this call was phony. The person on the phone said that there was some paperwork they are trying to get to me and asked me to confirm an old address. I figured the call was about old debt that is past the statute of limitations, I should have played XXXX  and got them to break more laws, but instead I asked them to provide me the address to send them a cease and desist. The fellow refused to provide the address and I requested to speak with the manager. XXXX then got on the phone and played bully. She refused to give me the address unless I confirmed my information which is illegal. I advised her I manage a XXXX XXXX and she then doubled down on her message. I asked repeatedly for the address and she flat out refused giving all the old school collection tactics I thought have been retired. 

I think the company is D2 Management LLC, the rep said D2M was the company name.
Consumer complaint received 2023-03-29
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. (PA)

I have disputed accounts with Experian several times over the last year alone and I get the same answer every time. They're verified as accurate. That is absolutely completely untrue, especially when I have called them, I have talked to the fraud department, I have sent them information identity theft reports to them as well as the creditors in question and I get nothing resolved. They refuse to do anything about it. I am about to call an attorney and file the lawsuit. This is absolutely ridiculous. They should not dictate what they will and will not do with information that is mine. Especially if it's wrong, I have the right to dispute it. In addition, I have a collection account on my credit report from Experian that is not mine. I have no idea where it came from. The creditor or collection agency in question. Never contacted me. Never sent me a letter and has XXXX information on me or this so-called account but yet Experian said it's accurate. It is absolutely not accurate and they won't dispute it again. This is again. Absolutely ridiculous. It needs to change. I want it resolved. I want it removed or I'm going to sue.
Consumer complaint received 2022-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

I sent a letter around XX/XX/XXXX stating that I do not owe this debt because I have never had an account with that place or visited that place, and they have me confused with a different person. I asked why do they believe I owe that debt. A copy of the invoice was sent and that person is not me. I sent another letter stating they have an address on the invoice and that address is in XXXX not in the USA. I have never lived in XXXX. I asked them to remove my name and information and all information regarding this debt and to not contact me again and to provide in writing that they have removed all information pertaining to me and to contact the correct person to pay this debt, I have recieved nothing.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I noticed inquires that were not authorized by me and seem to be fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NV)

Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Reference No. XXXX XX/XX/2022 Canceled put in a refund request told that I had to wait 10 business days I made 4 complaints to the company and heard nothing I want the refund plus {$500.00} Both complaints are refunds are over the 10 business day policy time frame
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (AZ)

Kickoff Credit has not complied with helping me with my account. This service is a straight scam. Ive contacted support but no one has helped me. My payments wont go thru because theres no bank account option for payment even though my account is connected and you dont take my card. I stated before that I need the missed payment off my credit report and I'm going to pay the balance off in full but no help. The missed payment was due to their companies lack of infrastructure for payments. My payments are still missed to this day because they won't accept my bank account or debit card. They will not help me with removing the missed payment which is diminishing my credit when they are supposed to be a credit building company. They stated they couldn't remove the payment but I know this is false. They just don't want to help people, they want to take your money and ruin peoples credit. I uploaded images showing that I am unable to pay with my bank account which is the only method they accept from me since when I try my debit card they say it's not accepted, I should not be held liable when customer service hasn't even responded to my email which is also attached because I was out of the country for over 2 months with barley any service and they would refuse to help me, what kind of credit building company doesn't help their customers when they need it the most and then they are negatively affecting my credit.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AVANTE (FL)

Avante Usa has a collection account that has appeared on my credit report on XX/XX/2021. I have sent priority mail a letter that the company failed to collect the letter I have sent. I want to verify that I owe this debt. I wanted the original contract with myself and the original owner. Also the warranty information. All verified documents that I need verify this debt. The amount {$1600.00} is the amount that is owed and I need verification of this debt. I do not believe I owe this debt because I had warranty and the original company would not honor that warranty and put me in a bind because my furniture were broken and I paid for warranty and no one fixed my furniture. I needed the information and no one would sent me what I needed to contest the warranty and the broken furniture.
Consumer complaint received 2022-07-25
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: LEXISNEXIS (TX)

XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-09
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Santander Consumer USA Holdings Inc. (OH)

On XX/XX/2022 I disputed information reported by Santander because it was inaccurate and the three Credit bureaus had different dates for payments and different dates closed and incomplete information, and missing information. I was asked to provide additional information by the credit bureaus so I contacted Santander and asked if they could email me the compy of whatever agreement that was signed stating I owed them. I also, asked the credit bureaus for debt validate. After contacting Santander to request this information. The representative I spoke to got angry and said he would not give me the information. Santander then reported this incorrect information XX/XX/XXXX, XXXX and XXXX of 2022 and opened the closed account reported that a payment was made when a payment was never made because this account had been charged off for 6+ years. This caused my credit score to drop significantly. I would like Santander removed from all 3 of the credit bureaus due to all of the information being different and inaccurate with each bureau. The disputes have been closed the the information is still inaccurate.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX Account # XXXX, has 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 2022-07-09
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. (TX)

According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also according to 15 USC 6802, No financial institution is suppose to share information to third party people.

These are clear violations of my federally protected rights.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX, Account Number XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX, Account Number XXXX has violated my rights.

15 U.S.C 1681 Section 602A. States I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.