davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/2022 I sent {$100.00} to my aunt in XXXX XXXX and she went pick it up but her last name was spelt wrong so I called western union to change it and they did the next day I told her she can go and pick it up so on XX/XX/2022 someone from wu called me asking have I ever sent money to that person and do I know her I said no this is the first time Im sending money to her and she is my aunt so he was like ok the funds is ready so she went and there and no transaction was found then I called wu and they said I had cancel my transaction I said I never did so they gave me a new MTCN and I went to pick it up across the street from my house and no transaction found so I called them back they say the money is there I said no its not so I kept calling and calling then that Saturday night early Sunday morning I called them and they said that I picked up my money at XXXX XXXX XXXX  XXXX XXXX i said no I didnt I live in XXXX XXXX they said ur name was used to pick up the money I said how and I was never there and they hung up on me.
Consumer complaint received 2019-03-26
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: SYNCHRONY FINANCIAL (TX)

I have never agreed to open a credit card named " SYNCB/XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX  XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.
Consumer complaint received 2021-10-24
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. (MS)

On XX/XX/2021, I begin disputing an erroneous Bankruptcy that is on my Trans Union credit report with CFPB. Compliant # XXXX. After detailing that there should not be a bankruptcy on my report as noted by XXXX XXXX, Trans Union, responded on XX/XX/2021 to CFPB that the information had been verified and mailed me a copy noting that the Bankruptcy had been verified as well. There was no mentioned named of the entity that they used to verify the information. However, attached is a statement detailing that Tans Union does use XXXX XXXX as their verification source. Nonetheless, as you see with the attached XXXX XXXX report, there is no Bankruptcy reported on me. Therefore I ask that Trans Union immediately and permanently delete the Bankruptcy from my credit report as well as all attached accounts that they report to have been included in order to clear my credit as well as my name.
Consumer complaint received 2019-03-26
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. (TN)

I HAVE DISPUTED VARIOUS ACCOUNTS AND THE MAJOR CRA 'S HAVE FAILED TO PROVIDE VALIDATION AS REQUIRE BY ( FDCPA ) SUB SECTION 809, WHICH REQUIRES THEM TO SEND A VALIDATION LETTER AND DOCUMENTATION TO SUPPORT THEIR CLAIM, ORIGINAL CREDITORS NAME, ADDRESS, AMOUNT CLAIM TO BE OWED AND SIGNED DOCUMENT, OR AGREEMENT, OR CONTRACT, I SEND THIS COMPLAINT WITH ATTACHED LETTER AS AGAIN ANOTHER DIRECT DISPUTE AND FINAL DISPUTE BEFORE FILLING SUIT.
Consumer complaint received 2022-06-15
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: Neon Newco Corporation (FL)

I wanted to file a dispute with Netspend about a transaction back in XX/XX/2022. I was given a faulty product and was not given a refund. I spoke with someone overseas I could barely understand what she was saying and she refused to allow me to dispute a transaction and threatened to cancel my debit card.
Consumer complaint received 2019-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

The Seterus, Inc. company, which is currently being sued for mortgage fraud in the New York Supreme Court, as previously filed before this agency in a complaint ( XXXX aboutd SETERUS, INC ), has taken more illegitimate actions in conjunction With the board of directors of XXXX XXXX XXXX, an illegitimate board said by a Supreme Court Judge, XXXX XXXX, ( Annex A ), the dismissal is currently being disputed as other current shareholders in the same Cooperative have expressed their willingness to participate in the 2018 Board Challenge. The same board of directors also faces a Breach of Fiduciary Duty and fraud charges in a pending action to which a class will soon join of refiled if necessary, in an effort to try to recover more than XXXX XXXX dollars in defrauded real estate from XXXX XXXX XXXX XXXX ( the same cooperative sponsor and managing agent ) and board members who voluntarily participated in the fraud for personal gain. The lawyers who fabricated the claims on the eviction of Ms. XXXX, which includes XXXX XXXX, XXXX XXXX and XXXX XXXX, are under investigation for conspiracy, harassment and fraudulent evidence before a court of law, and the board faces perjury charges. 

Seterus, INC., Under its parent company, has auctioned the property of XXXX XXXX XXXX, with the cooperation and assistance of the people mentioned above and in violation of the New York Law.
Consumer complaint received 2021-10-24
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: EQUIFAX, INC. (GA)

To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the you used to allegedly verify this item was invalid. 

Item in question : Chapter XXXX bankruptcy Case XXXX I have previously sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I am filing a formal complaint with CFPB against you and your company since this bankruptcy has not been deleted from my credit report IMMEDIATELY! 

Additionally, XXXX has publish documentation on their website confirming that they indeed provide your company, Equifax, with bankruptcy case information and you use them to verify information regarding bankruptcy cases. XXXX XXXX has not been able to verify the accuracy of the bankruptcy and has removed the item from my file. 

Finally, the U.S. Bankruptcy court does not verify or furnish data to credit bureaus. You have been reporting inaccurate and unverified information within my credit file several years and after multiple disputes allegedly verifying inaccurate information as accurate.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CT)

I paid off a personal loan in cash on XX/XX/18 at the XXXX CT branch on XXXX XXXX. This was in the amount of about {$240.00}. Since this date the bank has admitted that there was a bank error " caused their system '' to REVERSE a cash payment, and my payment has been sitting in a " reject '' bin. 

They have reopened the account without my permission, kept my money, and never once notified me of the issue in writing, or by phone. Instead they let the account sit and collect interest and fees. I found out of the negative report of 30 days late on my credit report via an e-mail from XX/XX/XXXX. 

In the meantime I have of course received SEVERAL e-mails and letters soliciting me to open a new line of credit, loan or credit card with XX/XX/XXXX. 

Since then I have visited the branch once, and been in contact with the personal bankers, branch managers, and regional managers to attempt to correct this issue. At first I was told 3 business days, then 10, and since then nobody will return my calls or even make an attempt to correct the issue. I have demanded a letter form the bank stating that this is a banking error. I have legal recording of the regional manager admitting this was a banking error and promising to make this right - whatever that means. 

Per XXXX XXXX request I have opened disputes with the credit reporting agency and last night I received an e-mail from Experian stating that they have DENIED the update to the credit report! 

This is beyond unbelievable and the worst part is that this has ruined my personal credit, business credit AND XXXX loan of XXXX that was supposed to close 3 weeks ago.
Consumer complaint received 2023-04-08
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. (NV)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX & XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX  Account name : XXXX XXXXXXXX XXXX Account name : XXXXXXXX XXXX violates 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.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 2022-06-15
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE ACCOUNTS : - XXXX Account # XXXX - XXXX  Account # XXXX - XXXX XXXX XXXX Account # : XXXX - XXXX XXXX  Account # XXXX - US DEPT ED Account # XXXX 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 an account without my written instructions.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

the credit bureaus are reporting my XXXX XXXX financial account as being late on XXXX, XXXX, XXXX, XXXX as being late. these payments were late due to covid pandemic, and it should have been reported as such
Consumer complaint received 2023-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Because of your non compliance to properly investigate and inability to do what is fair and equitable by deleting the identified items of inaccurate information even though there were discrepancies among agencies SEE ATTACHED PROOFS, my information is being traffic
Consumer complaint received 2021-10-24
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: SYNCHRONY FINANCIAL (VA)

This was a card that was not authorized to be opened by me. I saw it on my credit report back in 2019 and called Synchrony bank to report it as fraud. I requested information on the card which they denied giving me the requested information. They updated my mailing address and now is saying they are denying it being fraud because it has been opened for more then 12 months and statements have been mailed to me. Statements were not originally being mailed to me until I called and reported it as Fraud and they updated my mailing address to send me the paperwork to report it back in 2019.
Consumer complaint received 2020-07-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MS SERVICES LLC (CO)

I had disputed with this company several times. I first asked for validation of the debt and they sent me the debt information from XXXX XXXX XXXX XXXX for the amount of {$200.00}. I was a former customer with XXXX XXXX XXXX XXXX. I then sent them a certified mail for pay for delete to dispute the debt and they completely ignored me!! This debt does really hurt on my credit report!! I need them to help me dispute this them and not being rude.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I filed a complaint with the Consumer Financial Protection Bureau ( XX/XX/2021 ), complaint # XXXX against Bank of America XXXX 

I had been communicating with Bank of America 's Escalation Department for the months of XXXX 2021 ( in regards to the Deed of my property being incorrect ). 

After I filed my complaint with the Consumer Financial Protection Bureau, my ability ( XX/XX/2021 ) to pay my mortgage ( online ) was blocked by Bank of America. 

I recieved an email, after speaking with several representatives from Bank of America, telling me that my account ( to pay my mortgage online ) was blocked because I am currently in an adversarial proceeding with Bank of America, such as active litigation, mediation, or arbitration & that all further communication will be from Bank of Americas counsel.

This seems unethical and illegal to block my ability to pay my mortgage as a result of my filing a complaint against Bank of America.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In 2019, I provided to XXXX XXXX XXXX 's office proof of payment from Medicare and my supplemental insurance provider. His Office Manager stated they had made a billing error and would correct it. She also stated she would fix the debt collection letter. Four years later, I am finding this of my Credit Report. The {$46.00} is not owed to them by me and I took care of it with them at the time. I want this removed from my Credit Report as it is incorrect. 

XXXX XXXX
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/2019 I closed my bank and credit card accounts I had with Suntrust. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with Suntrust. I submitted a dispute through XXXX and Suntrust claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents Suntrust provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XX/XX/XXXX I can validate all of this information with documents that suntrust provided to my XXXX account.
Consumer complaint received 2021-10-11
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. (TX)

I was NOT late. 
XXXX XXXX XXXX Account Number XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was NOT late.
Consumer complaint received 2018-10-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ASG Solutions LLC (OH)

I am filing a complaint about a debt that was paid with a collections company under a settlement agreement, This account was settled in Full for {$430.00}. I have the letter that was sent from ASG Solutions LLC. I believe my file was mismanaged and the fund were applied to another XXXX XXXX XXXX XXXX {$740.00}. I recently pulled my credit report from all three credit bureaus, XXXX, XXXX  and XXXX   and to my amazement, saw that ASG Solutions LLC have never updated the account. I immediately disputed this by phone, as I had not even received a statement from you. All these bureaus verified the update. I tried numerous times to get my statements from you, but never received them. Finally, I was able to get someone on the phone and paid the balance. You assured me everything was fine and reported properly. What happened? I settled this account! I have my cell phone statements to verify my numerous requests for my statements.
Consumer complaint received 2018-07-17
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. (CA)

Over 30 days ago I sent Equifax a letter disputing that the information they have reporting on a car loan by XXXX XXXX is showing inaccurate. In fact there was never a late payment on this loan. As I did more research Equifax is showing the wrong open date of XX/XX/2017, the wrong high balance of {$89000.00} and is not showing the paid off amount of {$86000.00}. XXXX  is showing the account as paid but all three bureaus are showing different balances and open dates. Since Equifax seems that they are not in any hurry to fix this problem I reach out to the Finance Company that I paid the loan off with which is XXXX XXXX XXXX XXXX, and ask them to provide me prove of payment and all data of the transaction of payment with my signature attached.
Consumer complaint received 2017-09-20
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. (CO)

Equifax had a major security breach and I want to be sure to have them investigated. 
Thank you on behalf of the 143 million Americans affected by this blatant attempt at hiding the truth from the very consumers it holds hostage. 
They should be out of business. There are no do-overs here. They need to pay every single American and put the executives in prison.
Consumer complaint received 2023-07-27
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: Nelnet, Inc. (CA)

My Dept of Ed/Nelnet student loan account has been paid in full since XX/XX/2023. I uploaded documentation to Consumer protection bureau site. XXXX is REFUSING to show my nelnet student loans as showing paid in full even with the proof provided. They have 5 days to show all of these accounts with XXXX balance paid in full and close. Or I am seeking legal action.